BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX there was a transfer of XXXX} ( Entire amount of account ) from my account to another account that was not mine. 

XX/XX/XXXX - I submitted a claim stating that I had not made this transfer. I secured the account by : 1. Canceled the debit card and requested a new one. 
2. Changed the password on my Bank of America account. 
3. Changed the password on my email account. 
4. Ensured that all contact information on account was mine. 

On XX/XX/XXXX another transfer of XXXX} was made to the same account that was not was mine. 

XX/XX/XXXX - I submitted a second claim stating that I had not made this transfer. 

Upon discussion with the Bank of America XXXX XXXX Customer Service rep it was discovered that an unlisted XXXX  phone number listed for " one-time passcode '' for transfers was different and not mine as listed on my Account Information. This number was reconciled, and the account has been secured since that change was made. 

XX/XX/XXXX - The first claim was denied stating that I was still using the same email on the account. 

XX/XX/XXXX - I submitted an appeal for reconsideration stating that I secured my email account by changing my email password. 

XX/XX/XXXX - The appeal was denied without letter of explanation sent from Bank of America. 

XX/XX/XXXX - I submitted a second appeal for reconsideration. 

XX/XX/XXXX - The second claim was reconciled by Bank of America and XXXX was refunded back into my account. 

XX/XX/XXXX - The second appeal was denied without letter of explanation sent from Bank of America. 

XX/XX/XXXX - I submitted a third appeal for reconsideration. 

XX/XX/XXXX - I filed a XXXX Police Reports with my local police department XXXX XXXX XXXX XXXX  for the money that was stolen from my account. 

XX/XX/XXXX - I submitted the police reports to Bank of America. 

The third appeal for reconsideration is still open for investigation for more than XXXX year. Every time I call there has been no update on the claim other than " It is still open for investigation. ''

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 2023-01-12
Company: Weber & Olcese, PLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Starting around XXXX or XXXX of XXXX I started getting communications from XXXX XXXX XXXX in Kentucky representing XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX They have the garnishee defendant listed as XXXX XXXXXXXX XXXX In XXXX, XXXX. So putting this together someone with my name, excluding middle name, went and charged over $ XXXX on a XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ( original creditor ), in XXXX, IN and worked at XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX and they want their wages garnished or, NOW, in new letter, bank acct garnished for what they owe. 

First off, my credit is terrible and I filed for bankruptcy many many years ago and haven't had a credit card since nor can I get XXXX. Furthermore, I have NEVER in my life charged that amount at any XXXX. I have NEVER heard of XXXXXXXX XXXX  nor have I ever been to XXXXXXXX XXXX which is XXXX miles and over XXXX hours away from where I have lived in XXXXXXXX XXXX  my entire life! I haven't worked getting a paycheck since around XXXX and since then XXXX XXXX XXXX XXXX XXXX XXXX XXXX where I started working at age XXXX. I stopped working in XXXX due to XXXX. In the numerous letters I have gotten from Weber & Olcese it states the case was opened in XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX would like to see what was bought and a video of " ME '' going Into XXXX, IN XXXX purchasing it. 

There are at least XXXX others with my first and last name around the vicinity of where I am. I asked Weber & Olcese to give me a middle name, Birthdate or SS # and they have not in over XXXX  years. There are also a ton of others on XXXX and I told them that. I also sent them a picture of who could possibly be the one who owes this money because I started getting her debt collection calls many years ago. She's XXXX XXXX XXXX  than me. 

It states throughout correspondence from Weber & Olcese that they sent letters about this case such as XXXX on XX/XX/XXXX, service returned served XX/XX/XXXX, order to appear in court XX/XX/XXXX and I have never received a thing other than the letters trying to collect from Weber & Olcese.

They are now saying they will take {$5900.00}. 

Now, throughout these letters trying to scare me they have garnishee defendant as XXXX XXXX but in new letter just got XX/XX/XXXX garnishee defendant is XXXX XXXX in XXXX and that's not my bank. They have also had XXXX XXXX and XXXX XXXX listed as defendant so they are grasping at straws. 

I am now being summoned to court XX/XX/XXXX at XXXX if I am against the garnishing efforts even though this is NOT me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: TX
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-10-04
Company: Ability Recovery Services, LLC
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I settled my account with XXXX XXXX and it was supposed to be removed from my credit reports per my request and agreement when I made my settlement payment but on all of my credit bureaus it is sill showing a {$0.00} balance and has not been removed. 

Ability recovery account should not be in collections. The school was not supposed to send due to making payments to XXXX University as agreed upon with the student financial services department.

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 2021-06-22
Company: Comerica
State: NM
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Not one complaint I have with direct express has been addressed. XXXX XXXX, Comerica XXXX, Senior Vice President, XXXX and all other employees of Comerica XXXX that respond to my complaints have dismissed every issue I have with the Direct Express Card. The Direct Express Employees do not answer or respond consistently to emails. The Direct Express Employees initiate email contact and that is it. I DO NOT HAVE A PHONE. I DO NOT HAVE ACCESS TO A PHONE. I DO NOT USE TELEPHONES!!!! This matter with all my complaints therefore can not be resolved over the phone. I have filed CFPB complaints XXXX XXXX XXXX XXXX none have been resolved even addressed. Now it is about three years later, and I only have a dispute number-XXXX. It took two to three years to get a dispute number. I have not received any reply to a request for status update. I have no idea if my profile information has been updated. The online banking is too limited to conduct any banking needs. There is a phone requirement that is prohibitive to receiving services. The customer service is abysmal, slow, and ineffective to conduct time sensitive business. You can XXXX  direct express and with the complaints to other federal, and state monitoring and regulatory agencies it is apparent that the Direct Express Card is not serving the population contracted to service in any beneficial manner to that population. Contrary to any positive press the experience of the card holder is daunting. You can see in the reports about Direct Express that the phone line is not answered as you are told to keep calling until you get thru. I do not have a phone. There is no accounting by Direct Express or Comerica bank for those who do not have the privilege or ability to use a phone. That discriminates the users even further since having a phone is not proof positive that you will receive timely, continuous, and courteous service. There is a definitive lack of professionalism in handling of complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: AVANTE
State: SC
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:
Avante is reporting a medical debt as of XX/XX/2021. I have not resided in Florida for over XXXX years. So this is not my debt or Avante is in violation of the FCRA posting an old debt as new.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: World Omni Financial Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
On XXXX XXXX this year I went to XXXX XXXX in response to an add that they had offering XXXX % interest on a new Rav XXXX. I spoke to salesman conf ; irmed with him the XXXX % rate would apply to my sale. They had a card sent from another dealership and I returned on the XXXX. On the XXXX I spoke with the salesman again confirming XXXX % apr rate as advertised. stressing that I would not be buying were it not the case, in fact had been looking at a XXXX and generally preferred it but the rate would save me so much money that I was convinced to go with XXXX. The salesman wen through his speal, we had agreed on a price the day before, he actually came in a little lower in this particular vehicle. i did not try to haggle with him as I was saving so much on financing. I have puchased vehicles on prior occasions from XXXX, just not this dealership. We went to the finance girl who typed up the documents. HEre again we discussed how great the XXXX % rate was. THERE WAS NEVER ANY MENTION OF ME PAYING ANYTHING OTHER THAN XXXX % during our conversation. I left the dealership thinking that I had signed up for XXXX months of XXXX % as advertised, and as was sent to my XXXX mail.- The print on the documents was too small for me to make out without a magnifying glass. 
and the documents were fed too me in such a m anner that I did not see the rate. As I trusted this Company and had no reason not to trust them I did not question anything, until I recieved a letter from XXXX XXXX XXXX XXXX, stating that the APR had been incorectly stated as XXXX and should have XXXX instead. This was the first I knew about the bait and switch. I called the dealership and was told to come in and speak to XXXX XXXX the following day. I did and he told me that what they did was legal, I signed the paperwork and I woulod be sued if I told anyone about what had happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: SYNCHRONY FINANCIAL
State: OH
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:
Visited XXXX XXXX XXXX XXXX XXXX, store # XXXX on XXXX & XX/XX/2020. There was a sign posted stating you could save 20 % on your flooring project. Confirmed with three separate employees that this would include the whole flooring project materials and installation. I was advised all I had to do was apply for their credit card and use it for the purchase. Agreed to sign up for the credit card under this condition. I then took the paperwork from the flooring Department along with my credit card confirmation to the front desk to cash out. There I was advised I would only save 20 % off up to {$100.00} of my project. After hearing this I complained to the manager and also called corporate and the credit card company. I requested they honor what they promised me prior to agreeing to apply for the credit card or cancel the card and suppress the hard inquiry on my credit they refused and to this date have not supplied even an official dispute address to send a written dispute. It is worth mentioning that when I went back up to the flooring Department to take a picture of the sign they were in the process of providing the same false information to another couple who stopped dead in their tracks when I told them it was only 20 % up to {$100.00}. Unless this is rectified immediately I fear many other customers will be lied to in order to sell additional credit cards

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 2020-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
on XXXX/XXXX/20 there was a fraudulent debit of - {$380.00} on my B of A XXXX card. I filed a claim with B of A the same day and on XXXX/XXXX/20 they replaced the stolen + {$380.00} and put it back in my account. On XX/XX/20 there was an adjustment debit made to my account for - {$380.00} from the State of XX/XX/XXXX XXXX Unemployment. I have spent over 20 hrs. on the phone with XXXX and with Bank of America neither company has an answer for me as to why this money has been taken from me or if I will be getting it back. The only answer I have gotten from B of A is that a supervisor is looking at my account and to keep calling back.

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 2022-12-14
Company: Experian Information Solutions Inc.
State: CA
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX 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 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 XXXXXX/XX/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 2020-10-18
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This complaint is in response to US Bank perpetuating XXXX harassment, fraud, and extreme carelessness that resulted in the closure of my business bank account. They closed my bank account on XXXX XXXX, 2020 without my knowledge or permission, causing extreme financial duress for my new business. On XXXX XXXX, 2020, I began my interview with US Bank to open my business bank account. The interview was via XXXX with XXXX XXXX. He told me that he was going to walk me through the entire application process in the XXXX interview. He did so, and during the process, told me not to add the punctuation in the name of my XXXX, even though that's how it's listed on my Articles of Incorporation ; this careless advice lead to my application being in " pending review, '' which is where all of the problems started. After the XXXX meeting, XXXX XXXX then started sending flirtatious emails to me, which can very easily be found in his work emails, and on his work phone. I also have copies. He then also texted me using the information provided on my application asking if I would like to go out on a date with him the next day. When his advances led nowhere is when the real problems began, as my bank account was then mysteriously closed the very next day. When I inquired with the personal banker XXXX had set me up with, XXXX XXXX, she would not return my calls. It took me calling and texting her for 7 whole days before I finally told her that I would be including her in my complaint, which immediately sparked her interest in replying. She told me that she didn't know what happened or why my bank account was closed, but, when pressed, said it had something to do with people somewhere in a back office. Very vague, very suspicious answer. I was referred to contact XXXX XXXX, the branch XXXX, who also never called me back, or responded to my emails. I have called the helpline at least half a dozen times now, and it is obvious to me that the people at US Bank all have something to hide, and they are covering up for a XXXX harasser. All in all, they are costing me both time and 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 2023-05-03
Company: Experian Information Solutions Inc.
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:
I submitted a complaint last XX/XX/XXXX and it was closed immediately. I submitted a complain again last XX/XX/XXXX and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. How can CFPB closed this complaint and said it has already processed earlier complaints about my problem. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them 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 2019-08-09
Company: CL Holdings LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They called me for a year straight last call was XX/XX/19 rep told me they werent gon na leave me alone because its attached to my name and they have a right to Harass me. I told them that account is not mine but theyre trying to force me to make a settlement for something thats not mine. This was removed from my credit report and a year later they put it back. I told them over and over this is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: Account Recovery Services, Inc.
State: WA
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:
Account RCVY collection company has several inaccurate and false collection items on credit report. These are not my debts. Never heard of company. Lawyer on my behalf stated I should go thru consumer protection Bureau first to give collection agency one last chance to remove off of credit reports before we proceed.

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 2017-08-15
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My account number with Nationstar Mortgage is XXXX. Their website states=== ===== CONGRATULATIONS< YOUR LOAN IS PAID IN FULL. Under that statement it says===="we will=====process the release of your lien".  I have contacted Nationstar several times, inquiring about the release of the lien.I was then referred to their subsidiary XXXX as they handle lien releases.Agent of XXXX, XXXX was unaware my situation and she did not see anything in the system that indicated the lien was to be released and she said she will investigate.Contacted Nationstar again today and spoke with XXXX.She said she will send an email to the department that handles liens.My impression is that I am getting a run around and that the Lender is not acting in good faith.I want the lien released

Company response to consumer: Closed with explanation