BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-28
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
I attempted to contact Sam 's Club to get my payment reduced. However, Once it was being transferred to customer services i got a number code ( XXXX ) and the phone hunged up. I have been with Sam 's club for sometime now. In the past my payment history has been in great standings. However, I had a change in job where my income has decreased tremendously and I can not afford to keep up with the payments. I have been late frequently and Sam 's continue to add more late fees that causes the balance of my Sam 's club account to increase. I am being charged XXXX for late fees and XXXX for interest charge on purchases where I have not used my Sam 's card for over almost a year I 've been sending payments and my last payment was {$130.00}. I just can not get caught up. I am asking that Sam 's Club would lower my payments and interest rates as where so I can be able to pay them off..

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 2016-02-26
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Other

Complaint:
Sirs, this complaint is in accordance with your decision on XX/XX/XXXX-Court action taken against XXXX XXXX XXXX for selling bad debt ( CC debt ), about their engaging in unfair, deceptive, abusive acts and robo-signed affidavits to get a Judgement against consumers.. The exact scenario happened to me with American Express Centurian Bank first correspondence and ending XX/XX/XXXX, final judgment for Plantiff. The debt buyer ( Attorney ) claims he is representing American Express, when in fact, they have : # 1 - Lack of standing, the Chain of Custody has been broken, Florida law in assignment by the OC, American Express assisted third party debt buyers in deceptively collecting debts. This was a written off account refunded back to American Express, either by insurance or the IRS & deemed uncollectable. # 2. A robo-signed affidavit to sue me for unverified debts, .Their refusal of providing production, documents & proof of the custodians mire existence were met with denials, as my rights in the matter were unfair & illegal. I had prepared & studied this case before its hearing, and properly presented evidence. All of my suspicions have been proved by your decision and I thank you for invoking consumers rights Consent to publish the description of what happened?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXXXXXX XXXX XXXX offers a line of credit to purchase a XXXXXXXX XXXX XXXX. In which they do a credit check which affects your credit score. But also do it even if the item is sold out and then they will cancel the order. Still leaving your credit affected but with no item to show for it or a actual use for the credit they gave you because the items are sold out and can't just be repurchased.

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 2016-05-20
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
After applying to open an online savings account with GS Bank, they have been unresponsive to me after gathering my personal information. After applying for an account, they ask you to submit personally identifyable data to verify your identity. After submitting the data, an error message appeared saying the account could not be opened. When I called, they are refusing provide me with information as to why. Per the account agreement online, the only requirements are that individuals be US residents, XXXX yrs or older, and have a physical street address. There is no minimum account balance required. After calling them, they refused to provide more info and said I would get a letter in the mail, several weeks have passed and no letter. I feel that they are not treating me fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
COSTCO XXXX & OPM SECURITY FAILURE. As a federal employee affected in the Cybersecurity Incident XXXX XXXX XXXX notice I was supposed to have a lock on credit. In XXXX XXXX I closed my COSTCO XXXX XXXX account. I asked at the XXXX XXXX store and was assured they would not issue another card. 
I am in receipt of a Citi COSTCO VISA card valid to XX/XX/XXXX, credit limit {$9300.00}, ending in XXXX. 
How was my credit report available to Citi VISA? 
Did XXXX violate my privacy and give my closed AMEXP credit information to Citi XXXX? 
How did the OPM cyber watch dog program fail? 
Did the lock ( XXXX XXXX ) on the credit firms ( XXXX, XXXX, XXXX ) all fail? 
How can Citi VISA just issue a credit of {$9300.00} to me without my request or permission, or any security on that credit? 

Which firm, COSTCO, XXXX XXXX, Citi VISA, is responsible for issuing a line of credit to XXXX XXXX without her knowing, is n't that ID theft? 
Who is using the XXXX XXXX account that I closed? Who accessed that account and how did they access that account?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16
Company: ENCORE CAPITAL GROUP INC.
State: MD
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:
This account is time barred debt. I have written to Midland and contacted the credit bureaus several times to no avail. It is being reported on all XXXX credit bureaus. I have included how they are reported on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: ENCORE CAPITAL GROUP INC.
State: NJ
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 contacted Midland Funding on XXXX/XXXX/2015 to dispute an item they placed on my credit file. I sent them a dispute letter asking them to provide me with information on this debt with my signature agreeing to this debt. XXXX days went by, they sent nothing. According to federal law and the FDCPA they were suppose to remove this item. They did not. Since they did not remove the item within the XXXX days given by federal law, I then sent them a letter on XXXX/XXXX/2015 asking them to cease all communication with myself, XXXX, XXXX, and XXXX. They have failed to do that as well which violates The Fair Debt Collection Practices Act. If they contact myself or ANY of the XXXX Credit Bureaus regarding anything concerning me I will immediately contact CA Attorney General XXXX XXXX directly as well as file a complaint with the XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-09
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
my bank is in the habit of going back in time and retro actively changing the order in witch money moves in and out of my checking account, so that they can charge me an over draft fee i would like this false system of charging the customer to stop. And i want my {$36.00} put back in my account today!

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 2016-12-14
Company: INTEGRA SERVICING, LLC
State: NM
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Dear XXXX : On XXXX/XXXX/XXXX, I purchased a timeshare with the associated account # : XXXX. 
Due to a variety of factors related to misrepresentation, fraud and breach of contract I have chose to file a complaint through the Consumer Financial Protection Bureau. 
Please be advised that this matter is under investigation at the federal level through the complaint I filed with the Federal Trade Commission dated XXXX/XXXX/XXXX in order to resolve the issues pertaining to my sales experience with your company. My next course of action is to file complaints through the XXXX subjective to the state where the contract was signed, the state in which I reside, and the state in which your company operates. 
To resolve the problem, I am requesting general release from my timeshare ownership. Enclosed are copies of my records concerning this purchase. 
I am fully aware of the rescission period related to my contract ; fortunately that issuance within my contract is not relative to the fact my rights were violated at the point of sale. 
The following statements were issued to the Federal Trade Commission and now to the Consumer Financial Protection Bureau. Please be aware of each aspect of concern related to my cancellation request. 

1. The timeshare presentation was supposed to be 90 minutes ; I ended up being there for more than 5 hours. 
2. I was told that if I left the presentation that I would not get the same deal. 
3. I expressed multiple times to the sales rep that I could not afford the timeshare. 
4. I was told that I could sell the timeshare and sell it for a profit. 
5. The cancellation process of the timeshare was not explained to me. 
6. There was not a notary during the document signing ; the documents were taken to another room to be notarized. 
7. I was not aware of my rights for cancellation on this timeshare/contract. I never was explained the process and my rights to cancellation. 
8. They did not explain the documents that I was signing ; I was led to believe that I did not have to read the documents. The sales rep said " Do n't worry, just sign. '' I look forward to your reply and a resolution to my problem. Please contact me via direct mail at the above address.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Issue: Delinquent account

Complaint:
A few months back I received an offer from American Express to convert portions of my Gold Card charges to a pay over time feature which would allow me to pay any charges over {$100.00} over time instead of the total balance at the end of each billing cycle. I was informed, upon the receipt of my first bill, that the balance of my Gold Card, prior to signing up for the offer would not be transferred to the pay over time billing. Thus, I was now on the hook for over XXXX which I never expected and my account is delinquent. This was never disclosed or explained to me when I took the offer. It was my understanding, as per Amex 's disclosure to me, that the portion of the balance that included charges over {$100.00} would be transferred to the pay over time feature. In addition, I am now receiving nasty letters from American Express, a suspension of my account and a reduction in my credit score. I contacted Amex in an effort to resolve this and spent 80 minutes on the phone with XXXX different people. I told them it could easily be resolved by transferring the balance to the pay over time feature like I thought it was originally going to do and that I am in the current predicament because of their inadequate and vague disclosure relating to the pay over time offer. I spent 80 minutes on the phone, with XXXX or XXXX different people who ran me circles and pretty much told me that they could not help me and that there was no one who could. I have always had an outstanding record with Amex but at this point I am disgusted at the fact they can not resolve a situation I feel they caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On or about the second week of XX/XX/2021, I received a debit card from the Huntington National Bank in XXXX, OH. It was in my name but I had no knowledge of the account. I had not set one up. The debit card was followed about a week later by a letter from the same bank, welcoming me to their bank and the letter stated the account had been opened on XX/XX/2021. 

I did contact that bank and explained I had opened no such account and had it reported to their fraud department. it was them researched and closed per my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
It was on XX/XX/2021 when I was at the hair salon. I didnt know what happened but I know I had a transaction coming into my account on that day so I checked my account and realized that XXXX $ of unauthorized use is being sent out to someone call XXXX or XXXX XXXX. I did not know about this so I called my bank and told them while it was on the same day and pending. I realized that this was a transaction that my brother did to purchase a dog from somewhere call XXXX XXXX through email exchanges pretending to me since hes underage and wants a dog. Hes not an authorized usage of my bank so it shouldnt be accepted regardless. However the bank said they cant do anything about this fraud/scam cause we never received the dog that was promised. I also contacted the company after seeing the email exchanges and asked them to refund my money since it wasnt me that was talking to them and they ignored my emails. This is a not right and my bank refuses to refund my money unless I make a police report for it. I received my banks decision today on XX/XX/2021 and called the representative and this is what they told me. They said I would need a case # from the police for them to consider this as a fraud/scam. Thank 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 2017-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I received several credit alerts through credit monitoring that there was negative info being reported by XXXX. I called them and they said they were not reporting anything negative. After pulling the credit reports they show current status as " contact XXXX for status '' but with all payments through XX/XX/2017 paid as agreed. I also paid my XX/XX/2017 payment a week early. Creditors are considering this negative and I was declined by XXXX XXXX due to this as " too recent delinquency on existing auto loan ''. Why is this reporting that way? It also shows ( I believe ) there is a dispute by me? I 've never disputed this account. Please correct this and note the account is paid satisfactory.

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 2021-07-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I have received multiple letters from XXXX Inc. attempting to collect a medical debt from me. The phone number they provide on their letters goes to an automatic voice message stating that all representatives are busy and to leave my personal information. I have left a handful of voice messages with my name and contact information ; however I have not XXXX received a phone call back. This process has been ongoing for well over a month now and I can only imagine how much worse my credit score is being affected by this process. I am looking to pay my debt ; however can not reach anybody via phone and the website they provide also does not allow me to log in. I promptly get logged out to due an " error '' each time I attempt to log in. This is getting extremely frustrating and has caused me to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have called me back to back in the same day after me speaking with the rep named XXXX. I just talked to him at XXXX pm on XX/XX/2016 and he called me back on XX/XX/2016 at XXXX. He is harassing me and I advised him of that he still calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I ordered an XXXX XXXX XXXX XXXX XXXX  through XXXX, which took me to XXXX to complete the transaction. After a a credit approval from Citizens One, I got confirmation of the order and access to credit account. 

But by the promised XX/XX/XXXX, I hadn't received any information about shipping or anything else. XXXX XXXX ( the company offering the XXXX XXXX stopped responding to any questions via email on XX/XX/XXXX, and the numbers listed for support were for Citizens One, not XXXX XXXX. 

Finally on XX/XX/XXXX, I was notified via text from Citizens One that the product was not in stock, and my order could not be placed. Citizens One opened a line of credit for a product that was not available.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: ENCORE CAPITAL GROUP INC.
State: AZ
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:
My father called office of an attorney and spoke to a female. He said he called XXXX and just gave them acct number and she disclosed that there was a debt they were collecting with the amount and name of the company the debt was owed. They did not verify any information and my father told them is was fraud. They continued to collect on a debt after he had motioned it was fraud. They also stated call was recorded. I am filling a complaint since my information was given with out my consent. Who knows what information was disclosed. This is abuse. They also disclosed information to my bank and the letter that was sent to my bank who they assumed was my employer. My bank does not need to be involved in this matter and if they are attorneys they served the wrong company, ATTACHED IS THE LETTER THEY SERVED MY BANK AFTER THEY REALISED THEY HAVE MADE A MISTAKE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-17
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
A credit card was made out in my name and former company and mailed to my former address. A man claiming to be me knocked on my neighbor 's door and requested the credit card envelope. Simultaneously, all of my mail at my current address had been put on hold for two weeks by an unknown source.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I paid my XXXX taxes on line on XXXX/XXXX/XXXX through XXXX XXXX XXXX had to use my American Express Credit Card for payment. On XXXX XXXX, XXXX when I received my XXXX bill from American Express, there were XXXX pages of charges from XXXX for over XXXX I did not authorize these charges. I have been working with American Express Fraud Dept. to settle these charges Each time I call ( over 20 times now ) I get a different person to talk to & get disconnected multiple times. I wrote the XXXX letter on XXXX XXXX, XXXX documenting what has happened. On XXXX XXXX I receive an email notice saying that my account was past due almost {$4000.00}. On XXXX XXXX, XXXX, I filed a police report & faxed XXXX pages of documentation to American Express Fraud Dept. I called them on XXXX XXXX to make sure they had received the fax - they did. I heard nothing from them. I called American Express on XXXX XXXX, XXXX. Was disconnected 4 times in over an hour period of time. Talked with Supervisor & given new fraud case number XXXX. I printed out my credit reports from XXXX & XXXX. Found that American Express had reported that my account was 30-60 days delinquent at each Credit Bureau for {$6800.00}. All of that money is from the fraud charges! I called American Express Credit Bureau Unit. They immediately referred me to the Fraud Department. XXXX a Fraud representative said that she would investigate & get back to me this week. We shall see.

Company response to consumer: Closed with monetary relief