BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-17
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, after mailing several dispute letters that went unanswered, I initiated a dispute process for several charges that were made to my Navy Federal Credit Union Credit card. The charges totaled {$3300.00} and were for merchandise ( XXXX in-game credits and virtual currency ) that was never received. I received a letter from Navy Federal several days letter stating there was no billing error and I would be responsible for the charges. 

I then contacted a Navy Federal customer service rep on XX/XX/XXXX who requested I provide additional information  regarding my dispute. As requested, that same day I submitted to Navy Federal a copy email correspondence between myself and itunes and screenshots showing the merchandise was never received. 

On XX/XX/XXXX Navy Federal sent me a letter again denying my dispute in direct conflict with the FTC 's Mail, Internet, or Telephone Order Merchandise Rule. I attempted to contact the person in charge of my dispute, XXXX XXXX, as well as her supervisor and was told both are " unavailable ''. I left a voicemail for XXXX XXXX, but have not received a returned call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: The CMI Group, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted Credit Management LP in regards to a dept for XXXX. I spoke to them and agreed to pay if off in full in two installments one of XXXX on XX/XX/2020 and the other on XX/XX/XXXX for XXXX They drafted XXXX on XX/XX/XXXX the on the XX/XX/2020 they drafted {$370.00} and today on XX/XX/2020 another {$180.00} they have took out double the amount that was owed. 

The company is called Credit management LP XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX the reference Number # 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 explanation
Consumer complaint received 2020-08-21
Company: EQUIFAX, INC.
State: CA
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:
Incorrect Account Status. Please correct or remove this. I have requested this from each company over 4 times each letter sent over 35 days apart. I requested to verify account being in collections with information validating this or In the event that you can not verify the details and/or provide the requested information, kindly remove these damaging accounts from my credit report. 

If you can verify the information you have listed as accurate, please provide the name of the person supplying this data as well as the manner in which it was provided in order that I may pursue additional remedies. 
Accounts listed are- XXXX XXXX XXXX XXXX  XXXX XXXX ( listed 5 times XXXX XXXX mortgage showing late

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: REGIONS FINANCIAL CORPORATION
State: MO
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:
XXXX has been non-compliant with removing the unverified account REGIONS BANK XXXX which has been deleted by XXXX and XXXX . XXXX and XXXX have both completed their research and determined that REGIONS BANK was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I have opened a money market 360 account with CapitalOne on XX/XX/XXXX under a promotion code XXXX. The exact terms of the offer was " Open a 360 Money Market account and deposit {$50000.00} or more by XX/XX/2018, using promo code XXXX to earn your exclusive {$500.00} bonus ''. 
It never said neither about balance of {$50000.00} or more nor single deposit of {$50000.00} or more. 
I did a cumulative deposit of {$50000.00}. I have highlighted this issue in twitter with the offer link " https : //www.capitalone.com/savings500/ ''. CapitalOne deleted that page after my post. If capitalone was correct on this then they should not hide/delete that page with terms and condition of the offer. 
However I already archived that page here- " https : XXXX : //www.capitalone.com/savings500/ ". 
In XXXX  capitalone said that they will escalate this issue, however I did not get any update from them. CapitalOne did not honor their own terms. They should understand that balance of {$50000.00} and deposit of {$50000.00} are not same. I did cumulative deposit of {$50000.00}. Terms never said that cumulative deposits are not eligible for the bonus. I met the terms and condition so I'm eligible for the offer. 
I think this is the high time for capitalone to correct themselves and stop deleting the page of offer 's terms and condition. 

Further, in one of call or chat I was informed deposit should work and no need to maintain the balance of {$50000.00}. Later CSR tried to change own statement. Now this is really a trust issue with capitalone. 
Hope this time capitalone should do something to get back customer 's trust in them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Illegal repo of vehicle. 
But XXXX. I was in chapter XXXX bankruptcy from XX/XX/XXXX-XX/XX/XXXX my XXXX XXXX was included in the bankruptcy. In XX/XX/XXXX I voluntarily dismissed my chap XXXX bankruptcy. I received no notice or demand for payment from XXXX or any company that contacted me on the balance owed. Tonight XXXX a repo person took the vehicle. 
I still have 2-3 yrs left on the loan -monthly payments. The last trustee payment on this loan was paid XX/XX/XXXX So how am I now delinquent enough for repossession in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX aka squium asset solutions and they did not put an account number. I have not had a XXXX XXXX account in over 6 year. They are say XX/XX/2018 through XX/XX/2018. I have XXXX XXXX And on my credit report they dont list an account number so I have no idea what this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: TCF NATIONAL BANK
State: GA
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:
While reviewing my personal information due to the XXXX breech and exposure of my identity and personal account information, I found accounts that do not belong to me and were opened without my knowledge or consent. Although I am not sure of the exact date my information was stolen. However, I have contacted all of the credit bureaus as well as filed a report with the FTC. Please see the following account currently listed on my report : I have not signed or verbally entered into any contract or agreement. Someone has gotten my information and most likely opened accounts online thru the dark web and easily obtained goods. 

XXXX - {$2400.00} XXXX - {$7700.00} XXXX XXXX - {$12000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: EQUIFAX, INC.
State: FL
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:
I HAVE CONTACTED THIS COMPANY SEVERAL TIMES PAST 3 MONTHS TO DELETE AND DISPUTE THIS INCORRECT INFORMATION THAT IS BEING REPORTED ON MY CONSUMER FILE. THIS IS AFFECTING ME AND I WANT THESE REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. Equifax have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: DISCOVER BANK
State: ND
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Discover Financial has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: Experian Information Solutions Inc.
State: TX
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:
This complaint is filled due to the fact of this being an ongoing issue and Experian has violated several laws in dealing with this matter.

I filed a dispute with Experian for the collection placed on my report by XXXX XXXX. it was investigated, found to be cause for deletion, was deleted and a few months later was placed back on Experian without providing me with the 5 day notice of reinstatement, as is per Law requires.

And stated by U.S. Law 73 Am Jur 2nd, sections 90 & 93 States that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect and then claim successor in rights and interest. Thus when an original creditor sells a debt they give up the rights to collect on that debt, but they do not give those same original rights of or to collect ( ion ) to the collection agency.

And are clear that a 3rd party can not be substituted onto any agreement without the request from the consumer to act on their behalf.

send a copy of the signed authorization by you allowing them to collect information and make any communication about you to the credit reporting agencies.

I have never authorized this company to collect or share any information about me. I have no contract with this company and have never requested any money nor services from them. They have no legal right to be on my credit report. 
***Delete this now or provide the proof.

Siting case XXXX v. XXXX.

FCRA Section 603 says : ( o ) EXCLUDED COMMUNICATIONS. A communication is described in this subsection if it is a communication ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; FCRA Section. 604 says : 604. Permissible purposes of consumer report a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 3 ) To a person which it has reason to believe ( F ) [ otherwise ] has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
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: Information belongs to someone else

Complaint:
im am writing in regards to XXXX reporting inaccurate information on my credit report. i have no acknowledge of the XXXX account that they are reporting.i demand that they remove that derogatory account from my report on the grounds that they are in violation of the FCRA

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 2018-05-17
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am writing to request that the CFPB intervene on my behalf to compel AES to remove late payment trade lines from XX/XX/XXXX through XX/XX/XXXX for my AES/XXXX student loan accounts on the basis that during this time I was advised by AES that I would be covered by either economic or temporary forbearance. Dates, conversations, and actions proving that AES mislead me are set forth in my attached cover letter and related exhibits.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received several collection notices from XXXX ( XXXX  XXXX XXXX ) and responded immediately to dispute the alleged debt. I asked for the documentation relating to the alleged debt ( actual bill, signed copy of any document that obligated me to become indebted to the creditor, proof that XXXX owned the debt, and registration and licensing documents showing they are registered with the State of Florida to lawfully collect debts in the State of Florida as required pursuant to Florida Statute 559.715 ). XXXX refuses to send the documents, including the licensing and registration documents showing they are legally operating in the State of Florida ( XXXX is located in Ohio ). XXXX has admitted they don't have the licensing or registration in the State of Florida. 
In each of my responses to XXXX  I continue to ask for the above mentioned documentation yet they refuse to produce them. 
Can you please look into this company 's practices. 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 2020-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
here are several accounts in my credit report that are not mine previously, there were more but I already did the disputes and they took them away in XXXX  I see the following accounts 1 - bank of america status closed charge-off {$3100.00} In XXXX  1- XXXX XXXXXXXX XXXX XXXX .status closed charge-off {$1400.00} 2XXXX XXXX XXXX status closed charge-off {$3100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: EQUIFAX, INC.
State: NV
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 really hope you can help me. XXXX and Equifax reporting an account that is past the statue of limitations. It's over 7 years and should no longer be reporting. I really need your help. There is an account with XXXX XXXX XXXX that it appears is some time of debt buying company. I have disputed it several times and XXXX said to contact XXXX and XXXX will not send documentation showing the account information. I really need your company 's help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: BB&T CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, BB & T charged me two separate {$36.00} overdraft fees based on " pending '' transactions. On the morning of XX/XX/XXXX I made a cash deposit to cover all the " pending '' transactions. The transactions which allegedly instigated an overdraft were still " pending '' at 4 pm on XX/XX/XXXX. The bank does not issue the overdraft fee based on the posted balance, but instead counts " pending '' transactions.This is an unfair practice, since some merchants may place a hold on an account without the intent of initiating a charge for the amount of the hold. An electronic payment may be " pending '' for several days before the dated agreed by the merchant and consumer, e.g. automatic payment for a XXXX/XXXX bill. Secondly, this practice of using " pending '' transactions as the basis for determining overdraft was not plainly presented when I opened the account. Its plain the bank is exploiting the lack of clarity in timelines and processes for electronic transactions to exploit the consumer through fees. After speaking with a customer service representative the bank refunded a single overdraft fee.

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 2020-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a credit card from BANK OF AMERICA, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called BANK OF AMERICA and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, and BANK OF AMERICA with no successful resolution. XXXX, and XXXX  reporting me 30 days late on XX/XX/2020. There was an error on their part. I was never 30 days late.

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 2019-01-17
Company: ONLINE Information Services, Inc.
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 turned over an already paid bill to Online information to collect an already paid bill. XX/XX/2015. The bill was paid in full in XX/XX/2015 by Property management company In XXXX XXXX, Fl I never received anything from XXXX XXXX or Online stating that my bill was still open. I have receipts showing that its paid. I found this on my credit report which is completely false. amount {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: IQOR US INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I submitted a request in writing via email requesting that they stop contacting me by phone. I requested that all further communication be done in writing. I received a confirmation email that they received and read the email, yet within an hour two more phone calls came through. They call me approximately 4 to 5 times a day and never leave a message. If I call the number back it goes unanswered and if I answer there is usually no one on the line. The name of the company is XXXX XXXX XXXX or Allied Interstate LLC an XXXX Company.

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