BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-18
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL
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, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Commonwealth Financial Systems, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My daughter, XXXX XXXX, was involved in a car accident back on XXXX XX/XX/XXXX. She was seen in the emergency room in New Mexico ( XXXX XXXX ) shortly after the accident. I was XXXX XXXX military at the time and she was under my insurance, XXXX XXXX. Since then I received letters from them to pay the debt. The bill was sent to XXXX and it was taken care of. After that, beginning in XXXX approximately Commonwealth Financial has repeatedly tried to collect the debt. I have tried to have the bill taken care of since then with XXXX, but it is still showing on my credit report. 
The bill amount is {$700.00} and was originally being billed by XXXX XXXX XXXX. It is now with Commonwealth Collection with the account # XXXX. I have submitted proof of insurance coverage for my daughter beginning XX/XX/XXXX until now. That is still apparently not enough for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I made a deposit at a navy federal ATM inside a XXXX. This ATM was supposed to be owned by navy federal. It has navy federal badging and the navy federal logo is on the home screen. On that day I Deposited {$200.00} in {$1.00} bills into the ATM.. However, it only shows in my account a {$20.00} deposit. I called navy federal about the situation. They advised they would start a claim and it would take up to 10 days to issue a provisional credit. I advise that I provided documentation of the receipt to navy federal via my mobile app showing what I had deposited into the ATM. Still I was told there was nothing that could be done that this was a XXXX party ATM M.. I again expressed to the representative that it was not a XXXX party or a Co-Op ATM it was a navy federal AT was ATM I was then a in advice by XXXX a supervisor whom I spoke with on XXXX the XXXX at XXXX PM Eastern time that the ATM was a navy ATM Co-Op ATM. I express to XXXX now the story has changed initially I was told it was a Co-Op ATM then I was told they saw it was a navy federal ATM and then I was told no it was a combination of Both. Long story short navy federal has failed To make a diligent effort To rectify the situation. In summary I deposited {$200.00} was only credited for {$20.00}. It was. I provided the receipt from the transaction yet as Of this statement XXXX the XXXX I've yet to have a resolution. 



The atm is located at XXXX on XXXX XXXX XXXX XXXX, Florida

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I payed my Capital One credit card in full XXXX to avoid interest charges. I used my mothers account because they required payment from a checking account with a routing number and a checking account number. They gave me credit for the payment however they put an 11 day hold on the payment and still have not take in the payment from my mother 's account and have not credited the payment to my card preventing me from using my card. I have called three times. The first time the rep hung up on me. The second time I called they transferred me to the fraud unit and he was unable to help because he could not talk to my bank which I had a rep from my bank on hold to set up a conference call but he refused to talk to her because he said he had to call the XXXX number himself. The third time I called, the Capital One rep called my bank ( supposedly ) and had a bank rep on the line which she would not allow me talk to without interruption. Capital One told me during that call they released the hold on XX/XX/XXXX and requested payment but my bank was not seeing it and there response was see it 's your bank for holding up the payment but it 's done electronically and it shows up immediately even if it takes a couple of days to come out of the account. They have lied on multiple occasions and I believe this is retaliation for paying the account off. Today is XX/XX/XXXX and they still have not done what they said they were going to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I filed with a Debt consolidation in XX/XX/2019. {$280.00} down, XXXX per month on {$5.00}, XXXX worth of debt. After a little over a year. I was told by my bank that my credit score had dropped to XXXX. I was almost in tears. explained to her what had happen. She told me to cancel this and not ever just into something, that its messing up my credit. She showed me that only one bill of {$400.00} was paid off. I called MCM and ask how much money have they taken from my account, and why the small debt hadn't been paid.she said I only have XXXX left in the debt consolidation account and they have to wait to they collect more money.So I ask where was all of my money going they told me that they paid one bill and they have to pay lawyer fees also. Thats when I stopped everything and changed my card, while I was there in the bank they was at the time trying to take money from my account. So now! the MCM took over the XXXX XXXX  account of a little over {$900.00}. I didn't hear from MCM. For about 3 months. I kept calling XXXX XXXX telling them I want to start back paying my bill with them. They say that I didn't owe them. I said I know I owe the bill. I went through a lot trying to find out who have my bill.Finally about 2 month later someone gave me a number to call. I finally got to the bottom of everything, and sent out letters to everybody explaining the situation. I was caught up in going through the death of my brother and I fell for this scheme at my weakest moment.with this Debt consolidator. So the MCM. started accepting my payments. For a while I had to ask for. statements. From then own, they call me all the time constantly. For no good reason. I make my payments on the XXXX of every month. Never late. One month I made one and another on the XXXX. they called me and said I still meed to make one on the XXXX. I said I made it on the XXXX because the XXXX fell on I think a Sunday. So I did. Now they calls and say I need to make payment arrangement and do an automatic draft. I refuse the Auto draft. I keep telling them that my payments is the same date that I have been paying on which is the first of every month. They say they don't see where i made arrangements. They are doing this to try and force me to let them do auto draft. I keep telling them no., but they have been doing this for 2 yrs. I am a XXXX and I have uncontrollable XXXX XXXX XXXX.. They are already being paid for more than I owed XXXX XXXX itself and I am never late on my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom It May Concern : This letter is in response to your recent claim regarding Account ending in XXXX for a credit card, which you claim I owe XXXX. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non- compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Account Number XXXX Last Activity XX/XX/XXXX Account Number XXXX Last Activity XX/XX/XXXX Account Number XXXX Last Activity XX/XX/XXXX All accounts are reported as charged off with a last reporting date. These accounts continue to be updated monthly after the date of life activity. All accounts does not show a XXXX balance Not all the information is the same amongst the same bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: MOHELA
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I recently applied for home loan with XXXX XXXX who had problem approve me for home loan. Because MOHELA U.S. Department of Education has me owing them {$79000.00} Student Loan was granted College Degree in Music Major. Who only receive two student loan in the amount of {$5000.00} in two student loan. I feel I'm being taking advantage of because my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Back doing XXXX. I stop going to college because had kids to support. So I took any kind of job to support my kids. To prevent them from being poverties. Because I grew up poverty by single mom with XXXX children without dad being presence in the home. I want to presume music career through college. Who had problem with system support my music career. It wrong to report someone owe {$79000.00} to credit bureaus owing {$79000.00} student loans. Who didn't graduate with college degree.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: Midwest Recovery Systems
State: KY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The individuals are presenting themselves as an attorney and are bombarding my geriatric parents with threatening messages via telephone. The reported on a message to my parent 's they would contact my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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 have had a credit card with Capital One for several years. As part of that agreement is an annual {$29.00} membership fee. The account has mostly been at a XXXX balance for the last several years. Last year I was charged the annual fee and not provided notice of that fee. They charged several {$35.00} late fees which they agreed to waive once I made the membership fee payment which I did immediately. At that time I also signed up for text message alerts for balances and payment information. I received a notice from XXXX XXXX regarding a balance on this account. When I checked online they had once again charged me the annual fee and two late fees. As soon as I logged in I received the only text message notice from them since XXXX of this year which was not in regards to the annual fee. They would not agree to waive all of the late fees nor the interest they have charged for the annual fee which again I never received any notification of being due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: EQUIFAX, INC.
State: IN
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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Dear Sir, I am writing you to request a loan modification. I purchased my home in XX/XX/XXXX.The mortgage I received was 80/20 mortgage later the 20 mortgage turned into a line of credit with a rate 8.60 that  balloons in XX/XX/XXXX. I work for XXXX XXXX at XXXX located at XXXX XXXX XXXX XXXX, Delaware. XXXX XXXX telephone is XXXX XXXX XXXX. My boss is XXXX XXXX. A new company takes over XXXX the first of the year XX/XX/XXXX. The new company has not said if they are going to keep XXXX XXXX. My hours have been changed to 24 hours a week. I was paying {$1600.00} a month in mortgage payments to pay off the loan by XX/XX/XXXX. I can no longer pay {$760.00} to Bank of America a month. XXXX XXXX holds the XXXX mortgage which is {$850.00} at a rate 3.00. 

Here is a list of my present estimated bills : XXXX XXXX XXXX XXXX {$210.00} IRS {$1200.00} Bank of America {$760.00} XXXX XXXX {$850.00} extra {$20.00} towards escrow XXXX XXXX {$260.00} XXXX {$250.00} XXXX {$130.00} XXXX {$45.00} XXXX {$28.00} XXXX {$77.00} XXXX  XXXX {$140.00} XXXX XXXX XXXX XXXX {$80.00} XXXX XXXX {$200.00} Food/Clothes/living expense/doctors/ house maintenance/XXXX XXXX {$500.00} Income XXXX XXXX {$690.00} Social Security {$1000.00} Post Office {$1700.00} Thank you for the loan Modification as you can see from the past I pay all my bills. This present loan with Bank of America is going to mature in the year XX/XX/XXXX and is a balloon mortgage, and I would like to pay it off on time and keep my home.

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 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX  XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request 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 non-monetary relief
Consumer complaint received 2017-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have been paying XXXX XXXX XXXX for a XXXX account for a year & a half & they refused to update my credit report to show I was making payments. The original amount was {$3400.00}. On XXXX XXXX, 2017 I came to an agreement which I got in writing from them before sending payment. The item was settled in full & was supposed to be removed from my TransUnion report. After multiple disputes & phone calls & submitting a paid in full letter from XXXX to TransUnion the item was still confirmed by XXXX to TransUnion as owing {$3400.00}. I ca n't get it off my report no matter how I try. XXXX claims it has a XXXX balance TransUnion claims XXXX confirms I owe {$3400.00} meanwhile my credit score suffers & I am declined for further credit. I need help XXXX uses unfair collection tactics.

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