BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-17
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Midland Credit Management sent me a letter for a alleged debt in XX/XX/2021. I responded XX/XX/2021 via certified mail requesting validation of this alleged debt as per 15 usc 1692g. Midland Credit Management responded to my certified letter requesting a attorney information and not validating the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a debt against an old apartment lease. I left the apartment with the understanding all was paid. I recently started to monitor my credit and found this collection account that I was not aware of. I lived in XXXX  XXXX XXXX apartments from XX/XX/XXXX to XX/XX/XXXX. I now have this negative collection for a debt that I have never been contacted or received any type of bill. I have had perfect rental history for over 10 years. If there was an issue with this complex, I would have reached out to resolve it. Unfortunately while I lived there, I had an issue with one of the office personnel who was on XXXX and she knew that my kids and I were aware of the situation. I would like to get this resolved as soon as possible. It is hurting my chances to try to rent a new apartment. I was in the same home for 3 years. They had plenty of time to reach out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I signed up for a free trial for XXXX XXXX cream which claimed that for {$4.00} a sample of their product was to be delivered to my house. 

This scamful, deceitful company sent 1 bottle of their supposedly sample cream and charged my account at 4 different times ; twice for {$53.00}, and twice for {$88.00}. 

Not only is the company indifferent to the fact, but my calls get dropped by their " customer service '' agents. Bank of America claims that due to me receiving a small sample of the cream that was supposed to be {$4.00}, that I'm held liable for the charges incurred. 

As I do research for the company that is running this deceitful scam, the amount of reviews from people having the same issue as I do is surprisingly high. 

My account is now overdrawn for {$230.00} since the charges where put back in my checking sccount due to the claim being closed and will most likely being incurring another {$36.00} for their overdrawn fees. This is very overwhelming. 

Bank of America isn't doing anything at all to help resolve this and they clearly know the issue at hand. I just don't know what to do other than bring this injustice to the law.

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 2019-01-07
Company: Harris & Harris, Ltd.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For over a year, I have been receiving robocalls from Harris & Harris , Ltd . The calls state that they are debt collectors, and to please call their office during office hours. These calls are bogus calls, because I've never had debt, and my credit is in excellent status. These calls can also come multiple times per day. I am finally getting so annoyed that I am filing a complaint to stop the calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I have opened a checking account in HSBC last year. According to the promotion, I should receive {$750.00} bonus as long as I make monthly direct deposits totaling at least {$5000.00} for 3 consecutive calendar months from the second calendar month after account opening.

I have completed the requirement, but I haven't received any bonus. I contacted HSBC dozens of times through phone call or online chat. One of the representatives confirmed that I had completed all requirement and he helped to create an investigation case ( case number : XXXX  ). But whenever I contact HSBC, they either told me no update on my case or gave me some ridiculous reason like I'm a trust customer which is not required for the offer, but I never have a trust account. 

I know since we're in a pandemic, progress could be slow. However, this issue has been lasting for over 6 months. I should receive the bonus even before the pandemic happened in the first place. I don't think I can receive this bonus after wasting so much time to deal with them. I transferred over XXXX XXXX asset to HSBC but I still don't get the respect. I feel this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: Altisource Portfolio Solutions, S.à r.l.
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A man with an XXXX ( country of XXXX ) accent called and asked for a name I do not know. When I finally was able to get him to tell me what he was trying to do, it became clear that he was trying to pressure me into paying someone else 's debt. He said I was this other person 's contact to pay it. He was lying and should be sent to prison for this tactic.

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 2022-08-09
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have a business checking account with Chase Bank. I experience thousands of dollars in overdraft fees each month. On XX/XX/XXXX. 2022 I called Chase Business Banking customer service to inquire about the overdraft fees that are deducted from the account on the first of each month to determine when and how the overdrafts occurred. The customer service representative was not able to give a breakdown of the fees and pertinent information on which transactions may have caused the overdraft and when. Instead, she was only able to inform me that the fees were " aggregated '' monthly because of the type of account that I have. At this time, she also informed me that Chase bank could not reverse or refund the {$1300.00} in overdraft fees. I asked that she please change the options on the account that I no longer want any type of overdraft coverage and that if there are not enough funds to cover a charge be it ACH or Debit card Chase Bank declines such charges on my account. I asked for this because the overdraft charges have been so tremendous that they have caused undue hardship to my small business. The charges are accessed at the first of each month a detrimental time for my business and probably a lot of small businesses that are responsible for rent and payroll. On XX/XX/2022, after having opted out of overdraft coverages and any overdraft protection I again noticed tremendous overdraft fees accessed to my business banking account, this prompted yet another call to Chase Business Banking Customer service, and I was told the {$780.00} in fees occurred prior to my request to opt-out of overdraft coverage, I again asked for a breakdown of when and what transactions caused such coverage and the customer service representative was not able to help me. On XX/XX/2022 I received a notification via email that the account balance was below the minimum, I logged into online banking to discover a debit card transaction in the amount of {$490.00} had gone through and resulted in an overdraft of the account. I immediately called Chase Bank customer service to find out how this could happen ; the customer service representative informed me that I should probably just get a new debit card. This is a clear violation of my rights and the laws that govern banking institutions ; I asked the customer service representative to confirm that I would be charged an overdraft fee for this unlawful transaction, and they confirmed that I would indeed be charged a fee. I did not give consent to Chase Bank to pay any debit card transactions on my behalf when the funds were unavailable to cover such charges, in fact, I expressly asked Chase Bank not to pay any charges if the funds were not available to fully cover those charges. I am asking the CFPB to do a full audit on my account and to help me to recoup all unlawful excessive overdraft fees paid to Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have be unable to activate my USBank unemployment befits debit card XXXX XXXX XXXX USBank claims that they need to verify my identity before activating my card. They instructed me to send in verification which I did and they still refuse to activate my card. I've also filed a complaint at the XXXX XXXX XXXX and complied with further instruction from USBank but my card has still not been activated.

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 2018-01-31
Company: JPMORGAN CHASE & CO.
State: AZ
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:
On XX/XX/XXXX I was in email contact with XXXX XXXX at XXXX XXXX XXXX   (XXXX & XXXX) in regard to financing a used vehicle through that dealership.  After discussing financing options, I informed XXXX by email on XX/XX/XXXX that we decided against purchasing through XXXX XXXX XXXX XXXX. In XX/XX/XXXX, after receiving multiple credit denials from multiple finance companies for both my husband & I that we did not authorize, I check our credit reports, and learned that on XX/XX/XXXX multiple inquiries were made to our credit report on behalf of XXXX XXXX XXXX XXXX.  My husband contacted XXXX XXXX XXXX finance dept & informed them of these unauthorized inquiries & he was told (did not get persons name) that they would take care of it. On XX/XX/XXXX, we received yet another credit denial letter for both my husband & I.  This time it was from XXXX XXXX  on behalf of XXXX XXXX XXXX.  So I again, checked our credit reports to find another unauthorized credit inquiry on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Experian Information Solutions Inc.
State: OK
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: Investigation took more than 30 days

Complaint:
I recently reviewed my credit report provided by your organization, and I was shocked to find several inconsistencies that are damaging my good name. I expect this letter to promptly resolve the pointed data which is reported inaccurate. I am aware your job is to maintain accurate records of all my credit accounts. I have submitted letters to Experian, XXXX, and XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX stating the inaccuracies on my credit report. 

Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. A collection is by default late and past due. Remove above mentioned accounts from my credit report due to reporting past due and for inaccuracy. After you have finished my request, please send me a copy of my credit report reflecting these changes. 

2. The date of last activity you are reporting for the below accounts dont match my records. 

3. A collection is by default late and past due. Remove above mentioned accounts from my credit report due to reporting past due and for inaccuracy. 

The FCRA and Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report. Please see attached proof.

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 2018-06-14
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
after my legal separation from my husband he started to open credit in my name with no permission I have a legal case against him but can not find him he has ruined my life his name is XXXX XXXX XXXX remove I have disputed by mail with all three credit bureaus. act # 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 2018-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with fraud alerts or security freezes

Complaint:
First of all I went to open and account and they told me that is was some check got deposited in my account which I had no idea that check was in my account cause I dont use check at all and they told me it was fraudulent on my account so then they told me to get and touch with yall my information have got stolen that why I have identity on my record so could you please help me

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 2018-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Transunion will not respond to my dispute. I have been in contact with XXXX to remove these or provide validation that they do indeed belong to me. By showing a copy of a sign d contract. When I sent in a dispute for these things transunion sent me a copy of my credit report. Not even acknowledging that they will indeed open the dispute. When i call the representative does not see an open dispute. I do not think they have opened any of the disputes that I have placed. They just keep putting account verified. But they will not respond to any of my correspondence. 

My first dispute was on XX/XX/2017. I sent it certified mail and I got the letter notarized. They just said verified. I sent in another letter stating that the accounts were not validated. They said nothing. I sent in another letter and they sent me a credit report. I sent in a fax and have heard nothing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Delete these hard and soft inquiry from my report never gave companies written permission to pull my 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 explanation
Consumer complaint received 2021-10-04
Company: UMB FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My account is administered by TRI-AD and the custodial bank is UMB XXXX XXXX. On XX/XX/2021 my HSA account was transferred to this provider by the previous provider as I switched employers. By the end of XXXX I still had not received a monthly statement and I called on XX/XX/2021 in order to figure out why one had not been generated. They stated that a statement is only generated when a purchase is made with the card. Despite the activity in the account in the previous month, they would not generate a statement. Activity in the previous month included transfers from investments and " Benefit Administration Fees '' of {$2.00} on XX/XX/2021 and XX/XX/2021. Then on XX/XX/2021 I made a purchase using the card hoping that would generate a statement at the next month-end. However now it is XX/XX/2021, and no statement has been generated despite another Benefit Administration Fee occurring on XX/XX/2021. 
Given that this account was transferred from a different provider, I still haven't even received an initial statement from this provider, and despite the activity, they refused to generate an account statement. Finally, after making a purchase which they stated would generate a statement, one still hasn't been created. I couldn't even close my account if I wanted to, as I don't have a statement. This Company is intentionally making it difficult and expensive for people to close their account and charging fees that are far above industry standard without giving individuals a choice in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
In or around XX/XX/2016 i opened a credit card with XXXX XXXX i moved away from my home that same summer so i was still receiving mail to my old home however i made every payment by mail XXXX   claimed they never recieved it XXXX later a representative called me and told me i had an outstanding balance and they never recieved a payment i told the rep although i am out of work i always made sure i sent my payments in so i made the payment right away with the representative through my checking account i asked the representative if these non payments were sent to the credit bureau Wich can damage my credit the rep stated she will have these late payments removed so it wont effect my credit because i made a payment upfront of XXXX $ and it was an honest mistake and miscommunication with XXXX XXXX and myself however here i am almost 2years later now suffering of bad credit because of 6late payments that has been reported to the credit bureaus by XXXX XXXX and they refused to remove it even though all my payments are current and i am working on Paying them off and there representative said they will be removed i tried everything i can possibly do in my Powerss to have them removed i disputed it with all credit bureaus XXXX   XXXX TransUnion you name it i hired XXXX XXXX i called XXXX XXXX  a million times they told me no error was fount requested a supervisor 3times and they told me i will recieve a call in 24 to  48 hours all 3times never recieved not one call i requested a goodwill adjustment they refused i dont want to take legal action they suspended the account Wich is fine i dont care about that they can keep the suspension on the account but i need the late payments removed something has to get done this is unfair if anyone takes a look at my credit report i have 5credit cards not one late payment besides XXXX XXXX the worse bank by far anyone who just neglectfully not make payments should be punished in this way

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 2021-04-11
Company: Phoenix Financial Services LLC
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My wife and I talked to the company on the phone. I asked to be sent the breakdown/proof of debt. I was sent a bill with no itemization just saying that I owe {$320.00}. I disputed this with the previous company and they then sold it to this company because it is not owed. I had state insurance in Washington at the time of this bill which the previous company told me was the case. Unless the hospital gives me something to sign acknowledging my insurance would not pay for a service I can not be charged. The hospital had to accept payment from the state as payment in full. I tried to tell this to the rep over the phone and they said they didn't know anything about this debt except the amount. This is a wrongful debt, they can not provide me with itemization. This needs to be closed completely, not reported and not sold to another agency for me to continue to dispute.

Company response to consumer: Closed with explanation