BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Email sent to Bank of america complaint department. 

Hello, I filed a claim approximately a week ago. I expressed the importance of receiving claim information and was assured receiving relative information by mail and/or visiting a local branch would be possible. The claims department advised that info could be emailed to the branch and I could retrieve it there. 
Upon my last call 4 days ago, the letter of claim ( s ) had not even been requested to be generated. There has been much inconsistency from reps on how and why I have yet to receive this vital information as I was to receive funding upon review of my bank accounts. The fraudulent charges, insufficient funds data along with negative balance status immediately kills eligibility. I explained this to the original claim rep as well as 3 others after. 
I requested a partial provisional credit to bring the account to zero balance as that would display a claim in progress as the claim letter seemed to be a time variant not in my favor. I have yet to receive info on a provisional request ( was told 24 to 48 hours ) before I would get a decision. I had 2 accounts affected with a total of almost $ XXXX. This was realized in full upon returning back to business after 3 weeks from a household covid nightmare!

I need assistance from my banking institution. Please BEFORE I COULD PRESS SEND_THE AGENT I WAS ON HOLD TOLD ME CLAIM WAS DENIED!! 

Reason : Cardholder should have seen charges and been more aware???? 
Then tell me to call XXXX! 
No one at Bank of America contacted XXXX. Contacting them is almost impossible! 
please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: WELLS FARGO & COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I spoke with XXXX XXXX according to him that was his name I explained that I shouldnt be getting charge for late fee while I was under COVID-19 relief program including my other cards in personal loans and I requested for refund on the late fee that Ive been charge he promised that hes going to give me {$80.00} refund and the rest of {$120.00} he refused to help and refused to look into notes and told me that I was under COVID-19 relief program. Im requesting to have a refund back and seems like he refuse to help me and treat me little different because of my Last name and my accent. He does understand that I am have XXXX XXXX in XXXX  I told him that I am giving him a fair chance and he said he dont know if he can help I need to call a customer service. Please have them disclose all the comments on my all wellsfargo accounts and you will see I was charge for late fees. I am not sure who make and mistake but I spoke to someone in XXXX and requested a relief for COVID-19 assistance, not get charge 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 monetary relief
Consumer complaint received 2020-09-25
Company: HEAD MERCANTILE CO., INC.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ON XX/XX/2020, I NOTICE 5 COLLECTIONS FROM HMC GROUP ON MY CREDIT REPORT AND SENT THEM 5 LETTERS CERTIFED WITH RETURN RECEIPT DISPUTING THE ALLEGED DEBTS OF :  XXXX,XXXX,XXXX,XXXX, AND XXXX THAT I DO NOT OWE.I HAVE ATTACHED COPIES OF THE LETTERS BELOW IN YOUR ASSISTANCE IN THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: EQUIFAX, INC.
State: NJ
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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: Right Key Mortgage, LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Right key mortgage almost made us lose money invested into a house, including inspection, appraisal, and FHA repairs worth over {$3000.00}. They wanted us to bring an additional {$10000.00} to closing at last minute- two weeks prior to closing. They neglected our process and then towards to end were not able to close ; forcing us to switch companies entirely. Once this happened, someone on their end called our new company and disclosed my personal information with the sellers agent in orders to affect out closing. Luckily we still got the house after a nightmare of a process. Very unhappy with their lack of professionalism and how they disclosed my personal information without my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: EQUIFAX, INC.
State: TX
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:
To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, Equifax or XXXX  } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
According to the Final Escrow Account Disclosure Statement, my escrow balance as of XX/XX/2019 was {$2200.00}. I was told by the original loan servicing company that the funds were transferred to the new loan servicing company on XX/XX/2019. However, as of XX/XX/2019, the funds new loan servicing company has not received the funds. I have made several phone calls to the original loan servicing company, have spent an excessive amount of time attempting to receive confirmation that the funds were transferred, but have yet to receive documentation or proof that the escrow balance was transferred to and received by the new company. As a result, my monthly mortgage payment has been increased by {$670.00}. During my last call to the original company, I spoke to a supervisor who promised to provide me with the requested proof of transfer ( i.e., method of transfer, tracking number, etc. ), by the close of business on XX/XX/2019, but I have received no information, documentation, e-mail or telephone call from the manager.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
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:
Pursuant to FCRA Section 605B I have made strong efforts throughout the year of 2017 to notify XXXX  and Experian of my identity theft and the accounts that are fraudulent. I have requested that these accounts be removed pursuant FCRA section 605B. I sent a copy of my identity theft report via certified mail and it is being handled as a traditional dispute letter as reflected on my credit reports. I have also disputed items via their websites and dispute letters and have not received communication honoring the law. 

The fraudulent accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your assistance.

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 2020-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XX/XX/XXXXand XX/XX/XXXX ; assessed cash advance fee for non-ash advance ; issuer unwilling or unable to correct ; must pay before otherwise de to avoid incurring additional costs of time and money ; loss of grace period ; issuers manager blames subordinate associates ; repeatedly disconnected after spending more than 2hrs on the phone with multiple transfers among associates ; Bank of America

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 2022-08-12
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
This is XXXX XXXX, I just checked my report and Ive discovered that the items I requested for you to investigate and delete are still on my report, what's going on? you seem to be ignoring my letters. I sent you a XX/XX/2022 but the errors I requested for you to look into are still there like you're completely ignoring me, I am not even getting any response from you people. I was told by a lawyer that this is a violation of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX BALANCE : {$1200.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX XXXX XXXX BALANCE : {$1300.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX XXXX XXXX XXXX BALANCE : {$1300.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX XXXX XXXX XXXX XXXX  BALANCE : {$820.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX XXXX XXXX  BALANCE : {$1000.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX SEND IN DISPUTES TO THE CREDIT BUREAU AND STILL NOT HAVE NOT RECEIVED A RESPONSE

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 2020-04-29
Company: TrueAccord Corp.
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:
XXXX knows that my dispute with XXXX XXXX for {$230.00} originated beyond the 7 year date. They keep trying to re-age this account and XXXX XXXX pushes the date back so that I would contact their debt collector, True Accord, whose account is XXXX and pay on old debt. To date, they havent removed it from my credit report, costing me a XXXX job, that pays $ XXXXyear! I want this removed from ALL my credit reports immediately and I want them to pay me damages for losing this job and countless other jobs before this! Ive lost many years of my life and being Unemployed, they are liable to pay me for lost wages, anguish, humiliation and emotional distress all for {$230.00} that was OLD DEBT BEYOND 7 YEARS!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
IN XX/XX/XXXX REGIONS OFFERED A {$5.00} CREDIT INTO MY CHECKING ACCOUNT IF I USED A PROMO OFFER WHERE I USE MY CHECK CASH/DEBIT CARD AT XXXX. I USED THE CARD AT XXXX DURING THE PROMO 2 DIFFERENT TIMES, SO ONE OF THOSE TIMES I WAS TO RECEIVE THE {$5.00} CREDIT BACK INTO MY CHECKING. I NEVER RECEIVED IT IN XXXX, XXXX OR XXXX. SO I CONTACTED THE REGIONS BANK SOLUTIONS CENTER ( TICKET NUMBER XXXX ). THE EMAIL I RECEIVED FROM THEM AFTER I FILED THE TICKET STATED THEY HAD RESOLVED THE ISSUE, BUT DID NOT EXPLAIN TO WHAT DEGREE IT WAS RESOLVED, SO I TALK WITH XXXX IN THAT DEPARTMENT AND SHE TOLD ME " THE MONEY WOULD BE DEPOSITED INTO MY ACCOUNT IN XXXX. IT NEVER WAS. SO I CALL TODAY AND THEY ARE PUTTING ME OFF AGAIN AND SAYING IT WILL BE XXXX. THIS HAS BEEN GOING ON LONG ENOUGH. IN XXXX. REGIONS TOOK DOWN THE {$5.00} XXXX OFFER SO I COULD NOT PROVIDE A SCREENSHOT OF IT. REGIONS SHOULD BE HELD ACCOUNTABLE FOR THESE KINDS OF BUSINESS PRACTICES. MAKING OFFERS TO CUSTOMERS AND THEN RETRACTING THEM OR NOT HOLDING TO THERE WORD. THEY SAID XXXX XXXX XXXX THE FUNDS WOULD BE IN THERE IN XX/XX/XXXX AND NOW THEY SAY XX/XX/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 2018-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Statement closed XX/XX/XXXX. Payment due XX/XX/XXXX. Payment was made in full by XX/XX/XXXX. Interest was charged on XX/XX/XXXX, {$10.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: Auto Trakk, LLC
State: MI
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:
There is an repossessed car that was fraudulently put in my name. I've sent in paperwork and police report showing it wanr my vehicle and yet XXXX won't remove said item. My next and only recourse if this matter cant be resolved its to take legal action against XXXX   and the company AutoTrakk LLC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX discharged this debt almost 10 years ago and I periodically get these notices from XXXX XXXX requesting money. Who is this money going to go to since it has been erased by the credit card company. The Midland is predatory and is untruthful stating this is still owed.The amount is for {$35000.00}. I am not paying this as it was not owed to Midland. They are being predatory and are sending me collection letters 10 years after absolution of the debt. They intimate that they will ruin my future if this is not paid. It is threatening and predatory to state this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-18
Company: ERC
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: Information belongs to someone else

Complaint:
I never had an account with this collector/creditor. I tried to contact them several times and ask for proof of ownership but they failed to send me necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021, I purchased an item on XXXX XXXX. I sent my payment through XXXX in the amount of {$300.00}. The recipient is XXXX. 

The next day, I realized that it was a scam since the shipping number was not working and the seller is no longer responsive - I never received the item until now. I reported this incident to the Federal Trade Commission, and to my bank, Wells Fargo and asked if they could stop or reverse the transfer. I also asked if they could contact XXXX 's bank to report his fraudulent activity ( ies ). 

I received a letter from my bank today and they are saying that since I authorized the transaction I am not eligible for a claim.

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 2019-06-25
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Dismissed Bankruptcy from XX/XX/2017 I've tried Equifax to remedy this situation, but it's been to no avail. Everytime I dispute this they say it comes back verified from the court? But I contacted the court and they informed me that they dont give out any information to the credit bureaus. It also said that the Information was verified through XXXX, a third party. Well I have my XXXX file and it shows no bankruptcy on there. I will be uploading those documents. If this cant be resolved, I will be forced to pursue further actions, notwithstanding legal procedures against the Equifax credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for a Capital One Savor One card, on Capitol One 's website, when I was offered a promotion to receive {$150.00} signup bonus for spending {$500.00} in three months and 0 % APR for 15 months ( starting at sign up, XX/XX/19 ) on all new purchases. 

I have spent the required {$500.00} and they are refusing to honor the promotion. They say I didn't sign up under the promotion. I have asked them how their system says I signed up and they can't or won't give any specifics. I was careful to follow all the instructions for the promotion given on their web page. I asked if I somehow didn't qualify and they verified that the problem was not qualification, but that their computer said I didn't sign up for that promotion. 

They have also charged me interest on at least one billing cycle. 

The promotion was not targeted or specific to me. It was available to anyone who applied ( and was approved for a card ) on their website, which is what I did. 

This is, at best, a computer error and at worst deceptive business practices. 

The promotion is still available today and I have found evidence of it running continually from as far back as XX/XX/XXXX, using cached web pages from " The XXXX XXXX '' internet archive. Examples are attached. This offer was available through capital one 's web site and was also advertised by other sources.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have a Kohls store credit card that I make monthly payments on. I had gone thru financial hardship and was unable to make a few payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: EQUIFAX, INC.
State: MD
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:
Its been over 5 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation