BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
i received repeatedly phone calls all with in the same day.from Bank of America XX/XX/XXXX  (XXXX)  XXXX XXXXXX/XX/XXXX   (XXXX)  XXXX XXXXXX/XX/XXXX   (XXXX)   XXXX XXXXXX/XX/XXXX    (XXXX)   XXXX XXXXXX/XX/XXXX     (XXXX)    XXXX XXXXXX/XX/XXXX    (XXXX)    XXXX XXXXXX/XX/XXXX    (XXXX)    XXXX XXXXXX/XX/XXXX  (XXXX)     XXXX XXXXXX/XX/XXXX   (XXXX) XXXXXXXX XXXXXX/XX/XXXX  (XXXXXXXX)  7XXXX XXXXXX/XX/XXXX   (XXXX)  XXXX XXXXXX/XX/XXXX   (XXXX)  XXXX XXXXXX/XX/XXXXXX/XX/XXXX     (XXXX)  XXXX XXXXXX/XX/XXXX      (XXXX)    XXXX XXXXXX/XX/XXXX      (XXXX)    XXXX XXXXXX/XX/XXXX   (XXXX)    XXXX XXXXXX/XX/XXXX     (XXXX)  XXXX XXXXXX/XX/XXXX     (XXXX)    XXXX XXXXXX/XX/XXXX      (XXXX)   XXXX XXXXXX/XX/XXXX     (XXXX)    XXXX XXXX  XX/XX/XXXX    (-XXXX)   XXXX XXXXXX/XX/XXXX    (XXXX)   XXXX XXXX XX/XX/XXXX  (XXXX)  left phone message

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 2021-01-22
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have recently been informed that there is negative information reported by Navy Federal Credit Union in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I owe {$3200.00} and {$4900.00}. NFCU has failed to validate this information and provide me with copies of any documentation associated with this account, bearing my signature. 
Please note as that sent XXXX letters to XXXX XXXX, and XXXX that they have 30 days to complete this investigation XXXX months prior to this complaint, as per the Fair Credit Reporting Act XXXX XXXX ( a ) ( XXXX ) ( A ), and I have kept a careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: Resurgent Capital Services L.P.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a certified letter to Resurgent Capital Services L.P., LVNV Funding, LLC and XXXX XXXX, XXXX on XX/XX/2019 asking for specific validation regarding an alleged debt. ( Letter enclosed ) On or about XX/XX/2019 I received a generic account summary report. ( Letter enclosed ) Prior to XX/XX/2019, I did not receive a dunning letter. I was also not given notice before/after of negative information being reported to all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Experian Information Solutions Inc.
State: AR
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:
Fictitious report of missed payment. Closed account for this reason.

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 2020-05-26
Company: CITIBANK, N.A.
State: MA
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:
I keep getting emails for increasing my rewards that can be used as a statement credit at least twice a month. I activate by clicking link. Sometimes I get message I am already activated. I have accumulated XXXX points according to my statement. Every statement had showed an increase in points. I try to redeem but there is no option for statement credit. So I also tried to redeem for store and then my point drop to XXXX cents. I thought maybe it's me that I am doing something wrong so I have tried multiple times. I used contact link and said how do I redeem. I got email saying to use the link on website the same one that I did and could not redeem. I have other credit cards and I have had no problems getting points redeemed. I am really bothered that they try to keep me using this card by their numerous emails to activate for statement credits. This is a shop your way rewards card. This is deceptive and fraudulent advertising. Small print says terms subject to change but why keep sending these emails if the terms are not statement credit if not to keep deceiving me into using their card.

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 2019-02-22
Company: Phoenix Financial Services LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I got an alert on from my XXXX  Credit Bureau stating that there was an account that went into collection on XX/XX/2019 {$450.00}. I reviewed my credit report and seen that it was Phoenix Financial Services I sent a Validation letter certified mail on XX/XX/2019. Debt Validation Letter was received via Certified Mail on XX/XX/2019. On XX/XX/2019 and XX/XX/2019, I received 2 more notifications from XXXX  that Phoenix Financial Services has flagged my account as Collections. On XX/XX/2019 I received a letter from Phoenix Financial Services which was a bill and not validation. Phoenix Financial Services has not sent me anything validating the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: I.C. System, Inc.
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: Information belongs to someone else

Complaint:
I am no longer responsible for this debt. This was already sold and I don't owe this debt anymore. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. This is clearly a violation of the FCRA section 602 ( a XXXX & FDCPA section 809 if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report IMMEDIATELY!

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 2017-09-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax had a security data breach on XXXX XXXX 2017.  Due to this incident my personal information was impacted by this breach. I am submitting a formal complaint. I believe that this security breach has highly impacted my personal information. After going to the site www.Equifaxsecurity2017.com it appeared that I was impacted with this security breach. I did not enroll into any thing because I do not want to waive my right to sue. I was notified via email to prove that I was impacted by this security breach,. I am putting in a complaint against Equifax for their negligence of handling my personal information. I am worried about my personal information and security.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: TMX Finance LLC
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Employees, at the XXXX TN location repeatedly use very aggressive and threating tactics to collect a debt by threating customers with with the repossession of there vehicle, not working with them and be little them in front of other customers and employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: CITIBANK, N.A.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I reached out to Macys regarding an attempt to collect debt. I settled the account XX/XX/2019. And asked them to send me something in writing that verifies I settled the account and do not have a balance. They refused and did not explain to me why they couldnt do it. I called several different times and got different answers every time. I needed this information so I can obtain a loan to purchase a home. I called repeatedly and asked if I can send a POA to have the credit bureaus call to obtain account information on XX/XX/2019 and Macys said yes and it had to be hand written. I hand wrote my authorization, called Macys to see if they received it on XX/XX/2019 and they said yes. On XX/XX/2019 I get a call from the loan office and they told me Macys would not answer to the credit bureaus. So this delayed my loan 5 days when Macys first told me they would answer to the credit bureaus as long as I hand wrote an authorization letter. I call Macys and ask to speak to a supervisor and the representative told me theres not much they can do and would not allow me to speak to a supervisor. I repeatedly told the representative of the miscommunication they provided me and really needed to talk to a supervisor and once again the representative stated the manager was going to tell me the same thing she told me. She placed me on a 15 minute hold, once I got a supervisor on the phone, she was not apologetic of the miscommunication that was provided, she showed no sympathy of my frustration, she did not offer to assist me in any way. I truly felt discriminated. I can not believe the unprofessionalism Macys has shown me. I felt disrespected. My time was wasted trying to get help.

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 2020-11-24
Company: ProCollect, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Pro collect is attempting to collect a debt that I do not owe. I have made several attempts to receive any information on the debt and I have received none. Also the debt is supposedly fees from a broken lease. However I had received orders from my commander ( was XXXX  XXXX XXXX to move back to the XXXX  immediately because of serious health issues I had going on. My commander gave me written orders/letters that I provided to the leasing company but they would not let me out of my lease. Even if they felt I owed them money for repairs or cleaning I was never given any type of letter about that or break down. I paid XXXX dollars in a security deposit upon moving in. I moved out and paid rent for 8 months of my 12 months term. My rent was XXXX a month and the apartment was filled very shortly after I left per a neighbor informing me of that. So if they had successfully mitigated damages per Tennessee law they arent able to demand the money for longer than that period of time. I have not ever received a break down of this debt or how it is so high after they were able to fill the apartment and kept my entire security deposit. This collection agency has not responded to any attempt I have made to send me any documentation about this debt. Given all of these circumstances I do not believe this is my debt or I owe this debt to them. Not only did my leasing company disregard my commanders letter for that I relocate back to the barracks but now this debt is severely impacting my ability to move forward in my life and I cant get any information about 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 2018-04-03
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/XXXX- Our company was notified of two different account closings as of XX/XX/XXXX and XX/XX/XXXX ( Debits to account amounted to {$14000.00} and {$16000.00} ) when our employee went into the branch to cash check. He was informed the bank had closed the accounts upon learning of account activity, and we would need to call the XXXX XXXX XXXX at XXXX to inquire. 

Our corporate office called the above number ( a bank call center ) 6 times in a 2-week span to inquire as to the location of funds and was told each time that they could not give us any additional information regarding the missing funds and that, in fact, there is no XXXX XXXX XXXX. We were then instructed to send a letter to the Customer Service location at XXXX XXXX XXXX XXXX XXXX XXXX, TX, which we have now done twice, on XX/XX/XXXX and again on XX/XX/XXXX 
As of XX/XX/XXXX, have not received these funds, or received any additional information from the bank regarding the status and location of our money.

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 2022-02-01
Company: EQUIFAX, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX {$1200.00} XXXX XXXXXXXX {$650.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
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

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 2019-02-22
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
XXXX XXXX claimed they would be able to help with my student loans, they claim that they could take over my student loan payments, saying that they could lower my payments, and make them as low as {$45.00} per month. This all took place in XX/XX/XXXX. They then told me until my file was reviewed I would have to make a monthly payment of {$130.00} that was going towards my student loans. Every month on the XXXX, this was taken out of my account by automatic withdraw. I continued to make these payments until XX/XX/XXXX, when I came to find out that my file was still not reviewed and was not going to be reviewed anytime soon. Upon calling and making a request as to why it was not taken care of, I was given the run around and no answer was given. They also withdrew the funds earlier than what was agreed upon. I even tried to cancel the service, but I was unable to because of the run around I would get and all the processes I would have to go through to get it taken care of. This would lead to promises that my file was under review but as the next month came around it was still in the same spot as last month, and my student load debt was not going down any. I was finally able to end services in XX/XX/XXXX, but I received a letter shortly after that, from Navient Student Loan Services, saying that they hadn't received a payment from me. When I called them and explained the situation they said they had no record of XXXX XXXX contacting them to set up any kind of arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: TCF NATIONAL BANK
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX is reporting negative information to my credit report as a debt collector. The debt they have reported is for {$300.00} from TCF NATIONAL BANK. I do not desire to work with a collection agency under any circumstances for this reported debt. The debt is with TCF NATIONAL BANK and I am able and willing to settle the debt with them. The reason the debt with TCF NATIONAL BANK was not been paid, is because I believe I was charged excessive fees for an overdrawn checking account. I've been in contact with TCF NATIONAL BANK multiple times regarding the debt but did come to an agreement for the settlement amount. I would like to settle this debt with TCF NATIONAL BANK directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: SYNCHRONY FINANCIAL
State: NY
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:
Synchrony bank has multiple accounts and some of the accounts are not mine. Also they reported that I have made little or no payments when I have records of every single payment I paid to them. They also claim that they refunded my account for late fees because they were auto debting prior to the due dates as well as charging late fees ( although I did see it reflected in my balance at all ).

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 2018-04-10
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
i have contacted them about reporting a debt of {$600.00} on my credit report and why and who are they and they state that i had account with them for a company named XXXX XXXX XXXX XXXX. i don't have a company call that nor do i own or run a company. i have sent all for there credit bureau numerous 609 letter to investigate this back in XXXX and they sent me back a paper stating it was a valid account i also sent them numerous 611 letters and still cant get anything showing that this account was indeed valid. i have been get threatened phone calls stating that i will be arrested and sued and there are going to continue damaging my credit report, they have humiliated me in every way possible by called my job and also my family letting them know about this situation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been with capital one, from XX/XX/XXXX, I used to get my statement in the mail, until I move to my new address last year, which is XX/XX/XXXX, They change the payment date from the XXXX of each month, to the XXXX of each month, I wasn't notified, I only saw it when i logged into my account online.. 
Now, the due date is the XXXX of each month, I logged into my account to pay my bill, mine you, I pay XX/XX/XXXX at XXXX pm, and Capital one still charging for late payment. This is Scamming on a different level, How can they charge for late payment, when I am paying on the due date.. Is this possible?? Let me know.

Company response to consumer: Closed with explanation