BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 written several letters, sent emails, and called. I am trying to settle two accounts I had with Bank of America, and they are refusing to give me a settlement offer. One account was overdrawn {$480.00} and another account {$590.00}. I don't have the money to pay these in full, and really don't feel like I should have to because Bank of America did not receive any principal loss, and the money they are asking for is for overdraft fees, not actually money that I spent. I am willing to try and come to some type of agreement and pay money a settlement for these fees. The last time I filed a complaint the response verbiage was rude and I was not trying to open a new account. I am fine that do not ever want to have a banking relationship with me ever again. All I am asking is to settle these accounts and move on. I have been working on paying my past debts and people make mistakes. I have to wait seven years anyway to get these items off my XXXX XXXX and XXXX even if I paid them in full they would still be reporting it. All I am asking for is a settlement.

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 2015-04-27
Company: NRA Group, LLC
State: RI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Electric company ( XXXX XXXX ) turned account over to debt collection agency for refusal to pay portion of my bill that resulted from utility theft/charges being placed on my account that I was not responsible for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: TRUIST FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I called to report a card, that I have had for years, lost and to get a new card. The card is through my bank BB & T. Without my permission or consent, the bank closed the account, permanently. I have spoken to multiple deparments and spent hours on the phone to no avail. All they will say is that I should just apply for a new account. All of this will have a negative impact on my credit score.

In other communications, they noted that it was closed because I didnt return a fraud call back. this is not accurate. The account was closed on the XXXX, which is the day I called to report the card lost.

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 2015-12-28
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Dear Sir/Madam, I am writing in hopes to resolve a particular dispute with Scottrade Bank and their affiliates collectively referred to as Scottrade. 

Scottrade maintains that I should file arbitration against them for the purposes of resolving a customer dispute, however, neither Scottrade Bank nor Scottrade Brokerage have confirmed the existence of a valid arbitration agreement and has refused to answer any of my inquiries for details. 

I am writing this letter to address a very specific issue. Specifically, I would like a copy of the full " consumer contracts '' that were formerly signed in order to open a Scottrade Bank and Scottrade Brokerage account. 

Please be advised that I previously requested this information from Scottrade Bank and Scottrade Brokerage but was not supplied with an original account agreement. I signed up for the accounts in XX/XX/XXXX, however, Scottrade Bank and Scottrade Brokerage provided me with an unsigned copy of a " consumer contract '' that had numerous revisions from the XX/XX/XXXX version of the contract. 

The contracts Scottrade Bank and Scottrade Brokerage use have " tracking numbers '' in the bottom left margin of the page that indicate the year and date. Therefore, I am kindly requesting Scottrade Bank and Scottrade Brokerage provide me with the corresponding and original XX/XX/XXXX version of the sign contract and not a XX/XX/XXXX version that is materially different.

Company response to consumer: Closed
Consumer complaint received 2016-12-16
Company: GOLD KEY CREDIT, INC.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-07
Company: EQUIFAX, INC.
State: OK
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:
In accordance with the Fair Credit Reporting Act the attached accounts, 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 2019-05-23
Company: EQUIFAX, INC.
State: RI
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 don't know who XXXX XXXX is nor do I owe them the amounts {$970.00} and {$480.00} I have no idea what the accounts are. I also do not owe XXXX XXXX {$2600.00} and {$4300.00} for the unknown accounts. XXXX XXXX XXXX XXXX {$300.00} I have no idea why I owe them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-14
Company: U.S. BANCORP
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
, I just discovered even after disputing with the credit bureaus, there is still an inquiry from your company being reported improperly. I am not sure of the origin of the inquiry This is why I would like validation of the inquiry to verify their accuracy. I need to examine the statements that show how the inquiry accumulated and the original signed contracts or applications giving the original creditor permission to pull my report. I have been the victim of identity theft in the past.. At this point I am not alleging it is a fraudulent inquiry, however ; it is a possibility. I need to look through these documents to determine if the inquiry is the result of unauthorized use.

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 2018-06-25
Company: Bread Financial Holdings, Inc.
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX, i was told by a Comenity bank representative that i am eligible for the 60 month hardship program and I had to pay {$110.00} and to call back to complete the enrollment, because due to their new system, the billing cycle had to process another month. She said she would notate the file and to call back on XX/XX/XXXX or XX/XX/XXXX to complete the enrollment. I called back XX/XX/XXXX and the representative at that time, said I was given the wrong information and i was transferred to payment resolutions and was told to call back on XX/XX/XXXX or XX/XX/XXXX to complete the enrollment. I called back today XX/XX/XXXX and they said i was told wrong information again and I can not enroll unless i make more payments. 

I tried to do this same program back in XX/XX/XXXX ( paid ) approx {$100.00} and had the same issues, i get told different information each time I call and I am not enrolled in the program. In the meantime, I am accruing late fee 's. i am not disputing i owe this debt, I just want the program the offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: Experian Information Solutions Inc.
State: IL
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:
After sending information to verify myself with my disputes XX/XX/XXXX, as of today Experian has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from investigations. Please see items below ACCOUNTS XXXX XXXX  XXXX  XXXX not mine XXXX XXXX  XXXX XXXX never late INQUIRIES XXXX XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX   XX/XX/XXXX unauthorized XXXX/XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized

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 2018-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
XX/XX/2018 card was declined i called the company capital one and i was told they suspected fraud because my mailing address was changed .Apparently during the conversion from Cabelas credit being sold to capitol one due to the merger of bass pro shops and Cabelas some XXXX at capitol imput my home address incorrectly a new card was issued to me however they never sent a new card for my husband. he called and was told on two seperate occasions that a new card was on the way The first was regular mail and the second was to be expedited overnight, Neither card was ever sent after repeated calls to capitol one they told me the cards were not sent. my husband was so livid he called and cancelled his card and explained to Capitol one not to cancel my card. well capitol one did just that they still have not resolved the issue and i have not recived a new card, totally disgusted being lied to directly by a financial institution. If I did not have XXXX in accumulated points at Cabelas I would cancel my card but i can't use my points without a card thanks XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-22
Company: TMX Finance LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I received a letter in the mail on the XX/XX/XXXX from XXXX offering a settlement on title loan whichhad me puzzled. I had gone to XXXX shortly after getting loan on car and had informed company I was in XXXX   and would be there for a long length of time and to please pick up car due to my inability to pay. I called and was informed that XXXX never pick up vehicle after my request but instead after car sat on property for almost a year and apartment building was being remodeled landlords had car towed. Company informed me paperwork and documentation was sent to myself and XXXX but was never pick up by me due to being in XXXX.XXXX did npt pick up car.fast forward XX/XX/XXXX I call said company 3 times the first time to try to get a clear understanding of what was going on. The second was discuss possible payment but I needed more information which was meet with hostility. The third time I just attempted to pay then I was informed that the offer supposedly expired XX/XX/XXXX.I informed agent that letter was printed on XX/XX/XXXX and that it was mailed from Texas and XXXXhat I had received it on XX/XX/XXXX and  that the next business day was Tuesday since XXXX XXXX was Monday and the letter did not list a expiration date. Again agent got hostile which made me angry and need to end the call

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30
Company: Financial Accounts Service Team Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX-18 My credit history is incorrectly showing two unpaid medical bills still owed to collections company " Financial Accounts Services ''.

Amount # 1 : {$4100.00} Amount # 2 : {$280.00} These medical expenses were confirmed as settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: The CBE Group, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Unclear of what debt this is. I called to inquire and was given another acct # XXXX and told I would received a call back. I never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I recently called to inquire about a " fee '' that appears on my bill every month, and learned that it is a past due late fee from some previous late payment. I have been paying that fee in addition to the " amount due, '' per the instructions on the bill which clearly states " total amount due '' which includes the itemized " fee. '' In accordance with regulations the late fee portion of my bill will not be allocated any of my payment until the outstanding interest has been paid in full, and my monthly payment does not cover the interest. Therefore, every payment I have made has included a fee for the late fee that has been allocated only to the interest. When asking about this, Navient informs me I do not actually need to pay that late fee, as it will simply be added to the balance at the end of the loan. My efforts to explain to the customer advocate that the bill clearly miscommunicates this in two places as " total amount due '' each month that includes the " fee '' have been met with condescending disregard. I wrote a letter clearly detailing this concern asking for reasonable rectification, and again was told there was nothing amiss.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, XXXX years ago i found out that my SSN was compromised with my tax accountant. Since then i have noticed this collection account on my credit report that is indefinitely not mine. I have tried to dispute online with XXXX and it remains on my file. Id like to report this here now as i know this as Fraud and i need help in clearing my name. I have never owned a XXXX in my life. There is no way this is me. Would be so grateful if you can investigate and look into this further on my behalf. This information is ruining my credit history and affecting my ability to get a new car and home. Ive also never received any notices from this company at my home, po box , via phone or email. I have no knowledge of the account number as i never was connected to this account. I am attaching my license as proof i am me for purposes of this report. Attaching a report from XXXX. 


Thanks in advance for your help. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
This is additional information and complaint regarding jpmorgan chase original complaint # XXXX. 
This is with regards to the {$50000.00} wire transfer my mother was scammed and coerced into doing on XX/XX/XXXX. My mother was convinced by an XXXX representative imposter that she needed to wire transfer {$50000.00} from her checking account to XXXX XXXX to investigate fradulent charges to her XXXX account ( which was all a hoax ). She went to her local jp morgan chase branch on XX/XX/XXXX and requested this transfer which was processed at approx XXXX XXXX PST. When I, XXXX XXXX, her daughter found out about this the next morning at approx XXXX XXXX PST, I called Chase and spoke with the fraud department immediately and reported it as fraud and to STOP the transfer immediately. I had a 55 minute phone call ( 90 % of which I was on hold ) and told they would not continue with the case unless I continued to wait on hold while they researched it. I had to start work at that time ( approx XXXX XXXX ) and stated they could call me back with questions, but the representative refused to do so. I reiterated that I gave them all the information I had and to report it as fraud and stop the transfer immediately. My mother, XXXX XXXX, then went to the local branch in person at XXXX XXXX on XX/XX/XXXX and spoke with XXXX XXXX and advised the transfer was fraudulent and to stop it immediately as well. 
After speaking with this representative and the branch manager, XXXX XXXX, myself in person on monday XX/XX/XXXX, I find that they did not take adequate steps to verify the authenticity of this transfer. No one called me to question this extraordinary amount, recipient, or transfer destination despite me being joint checking account holder. Also, appallingly, after my mother went in on XX/XX/XXXX to report the fraud and attempt to stop the transfer, they reissued her another chase credit card on that same day- despite her reporting that she was just scammed- which is completely unethical and irresponsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: EQUIFAX, INC.
State: IL
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:
I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Nationstar previously sent me a " Loan History '' document but the left side of the document is cut off and does not show the full dates. It also only shows the transactions for XXXX and I need to see them all from XXXX to XXXX in this same system/report. 
This is because it seems to show different payment amounts than other reports I have been provided previously that were taken from a different system screen and I must compare the two. 
I have attached the exact top of the screen so the system screen can be found. 
Part of the screen number at the top left was cut off, the screen number left showing is " XXXX ''. The report starts on page XXXX. 

I have sent a QWR and tried to contact someone who can send me the full report but have not been able to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Shellpoint Partners, LLC
State: FL
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:
Per judgement in my divorce decree on XX/XX/XXXX, I was to be, " held harmless of any mortgages and or liens '' on the primary residence given to my ex-wife. On XX/XX/XXXX, the mortgage company XXXX performed a quitclaim title of the primary residence to Shellpoint Mortgage Servicing ( a part of XXXX XXXX, XXXX XXXX. Shellpoint foreclosed on the primary residence in XXXX of XXXX. Despite the judgement in XXXX, the foreclosure shows on all three credit bureaus. I have tried multiple times to get it removed from all three credit bureaus with no success. I have tried to get it removed from Shellpoint directly with no success. Finally, I enlisted a third party, XXXX XXXX, to try on my behalf to remove Shellpoint. All three credit bureaus ( XXXX, XXXX, XXXX  ) refer back to Shellpoint and Shellpoint re-validates the account with each request. XXXX XXXX not been successful either in removing Shellpoint. 

Please note that I have successfully removed the original mortgage company, XXXX, from all three credit bureaus and XXXX XXXX has been successful in removing other incorrect and negative information. I am trying to rebuild my credit to purchase a home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: BARCLAYS BANK DELAWARE
State: NY
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 a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2018-11-14
Company: Experian Information Solutions Inc.
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Please see attached. We have tried everything with this company and they will not change our credit report of missed payments/late payments.

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