BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-29
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I reported a Fraudulent account being opened in my name at TD XXXX  ( XXXX XXXX XXXX ) re : XXXX  XXXX  on XX/XX/2020. I can not find a way to communicate with this entity to resolve this matter. I initially communicated verbally to the customer service department on XXXX and reported the fraud, they in turn opened a fraud case and told me the account was blocked. I submitted by mail to TD XXXX, the Federal Trade Commission Identity Theft report with proof of identity and all associated documents to support my position and fraudulent account. Note, at this time XXXX monies were drawn on the account. Since then, unknown to myself, the account had been released and monies were dispersed. As of XXXX the account is in default and TD XXXX  is reporting this negative information to the credit agencies against my credit. Since that date I have tried countless times to communicate with TD XXXX  Customer Service @ XXXX, being left on hold for hours, as long as 4 hours, for weeks unanswered or being answered and then subsequently disconnected. TD XXXX  is virtually impossible to contact anyone who can assist to resolve the matter. I have mailed hard copies for a second time requesting this account be removed from my credit, still no answer in any form. Finally, today XXXX I was answered and during the call I was told the agent was unable to help and indicated I would be receiving something in the mail, sent 10 days ago, then the call disconnected, without a resolution or callback. I have been told from every person at every available phone number for TD Bank ( I'm assuming the parent company ), this is the only phone number and department who is able to help. Obviously, this is a bank and credit card company who doesn't care, regardless of the consumer conscious, and quality of service messages which are played while on hold. I did my due diligence in XXXX to protect TD XXXX  's interest 's and unfortunately, no one was paying attention, and still isn't.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-02
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was on a payment arrangement with XXXX to clear a balance owed. I never missed a payment on the arrangement with XXXX because it was setup on auto payment. During my repayment plan I was assured that my balance would not be forwarded to a collection agency. On XX/XX/XXXX my final payment of {$37.00} was auto debited from my bank account. Then on XX/XX/XXXX I received a notice from XXXX XXXX XXXX stating I owed {$30.00}. When I inquired about the {$30.00} I was told it was a payment plan fee from XXXX and that I owed the amount. It was never communicated to me by XXXX that a payment plan fee was owed. This collection from XXXX XXXX XXXX has since been placed on my report reports unfairly. I went ahead and paid the {$30.00} fee because I wanted to resolve the issue, but it was never communicated to me that I owed a fee and XXXX confirmed that my account didn't go to collections. I've tried several times to have XXXX correct with issue with XXXX XXXX XXXX so they can remove the info from my credit reports. This negative credit reporting is creating a hardship for me and it should have never been reported based on all communications from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting 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, these creditors have violated my rights under 15 USC 1681 section 602, which states I have the right to privacy. 15 USC 1681 section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666-B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: American Financial Network Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am a XXXX XXXX XXXX in XXXX, NY. I am representing the seller. 
We accepted an offer from a buyer on XX/XX/2020 not contingent on the sale of her home. 
I called the mortgage broker at American Financial Network Inc. to varify and confirm that the buyer was qualified and the purchase was not contingent on the sale of the home. 
They said it was not. Along the way they asked for 2 extensions and the sellers granted the extension. We we suppposed to close before the end of the year. My sellers are in a contract on a new home based on the sale of their home. Yesterday over two months of dealing with this buyer and mortgage company, her agent and the mortgage broker are now told that she was not approved. Her home is closing this week, so it's beyond the cale of her home .The sellers are devestated, this bank never should have pre-approved her for a mortgage and dragged us along for all this time. Now we are stuck. 
I want a complaint aganist this mortgage company they are playing unfairly with families lives.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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/2022 a cash advance was taken from my Bank of America credit card in the amount of {$18000.00}. When I noticed the charge, I immediately notified B of A. I followed all the instruction to file the dispute. After 90 days the dispute was rejected, and they want me to pay the fraudulent charge.

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 2018-08-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, XXXX, XXXX, and the XXXX of 2018 I received several letters From Portfolio Recovery which, included only a screen shot of bill saying that I owe debt. On XX/XX/2018 a Sworn notarized affidavit of denial was sent to Portfolio Recovery requesting original proof of contract or validation with my signature obligating me to this debt. Since, Portfolio Recovery has continued to attempt collection efforts which is a violation of the Fair Debt Collection Practice Act ( 809 ) ( 1692 ). I have no record of any initial communication that was sent from Portfolio Recovery as they stated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20
Company: LoanCare, LLC
State: AL
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:
As you will review, if you have access to my records, I have had many complaints again my mortgage company. In XX/XX/2019 I thought a resolution had been made with XXXX XXXX. At the beginning of XX/XX/2019 I realized that the issue was not resolved because my account was showing delinquent on my credit report. It stated I still owed for XXXX. The overall issue is this, which then brings me to my dispute with my credit report. 
They want to charge me {$400.00} a month for my escrow. When I calculate my escrow based on my Taxes and Insurance bill the basic math equals {$250.00}. If then I provide a 2 month cushion, the amount comes to {$290.00}. Currently I send in a check each month one for Principle and Interest = {$750.00} and then an Escrow check = {$290.00}. The billing department will put all of my money into Escrow because I am not equaling to what they say I owe which is {$1100.00}. Then my account looks delinquent when in actuality I have paid. They did this all last year and are starting to do it again. If I put on the memo line of my check what it is to be accounted for that should not be an issue. I also always include a letter with the same information. There has never been any dispute of this information provided to me in writing, I am only informed by my credit report. They never send me notifications or statements. The only communication I have is with XXXX XXXX. 
In the end all I want is to have my credit report reflect I make my Mortgage payments on time, because I do and I can prove that. If they choose to put the money toward Escrow and ruin my credit then I will continue to complain and may have to take further legal action which I really do not want to do. This saga has gone on too long and according to some research this company seems to have a lot of complaints and one lawsuit due to the same issues as I am having. If you are suppose to be looking out for the Consumer why does it take so long for these companies to be taken to court and made to account for their actions?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: CITIBANK, N.A.
State: NE
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 account has been charged off by the original debtor. It is way past the statute of limitations. It has been sold various times over and over to debt collectors. Ive been a victim of harassment for over 11yrs. Since XXXX or longer Ive had wages and bank accounts garnished with no detailed proof that the debt is actually that of mine. Ive requested to see a print out or statement from the original creditor showing a detailed breakdown of every charge. A fradulent debt from years ago has now turned into this massive debt. I have no idea what I am paying for or how theyve reached the sum of over {$16000.00}. 

To this day, I have no proof of how the debt was created and again that the debt is actually that of mine. Years ago I explained to the credit card company charges were not mine. The credit card company agreed to look into it. I didnt realize fraudulent charges were made on this card in my name till months later. Unlike today you get a fraud alert immediately. Years ago this did not exist. 

Back then I was younger, inexperienced and had no money. I didnt know how to fight it or stop it. To this very day, the fraud continues to haunt and plague me. It is like a curse. 

I spoke with an attorney representing the firm in XX/XX/XXXX explaining that I had been a victim of fraud. He told me to take some time gather whatever info I can get and send it to him. It took sometime to gather all the information again after several years had passed. Some documents I had to send for others were in storage. In XX/XX/XXXX, I sent a huge packet of information, police report and other documents indicating stolen identity, forgery and fraud. They never once by mail or phone, even as a courtesy acknowledged that they received the information, would look into it, try to work with me and help clear my name. Nothing in a caring or consoling nature. 

But instead, by their actions they've proved to be the predatory debt collector who prey on the innocent. They sent me another garnishment letter. How insensitive! I feel like the fugitive, accused of a crime not committed. Will you please help me end this?

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 2020-10-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Something is definitely wrong here and I need help. 
I am being overcharged in the transaction. I am being taken for a ride by this institution. 
{$2100.00} being termed as corporate advances. This institution does not pay for neither my property taxes nor my home insurance. What do they call corporate advances? 
{$19000.00} being charged as interest. Chase claimed that the balance due was at that time {$82000.00}. The interest rate comes up to 23.60 %. When the {$2100.00} is added to the {$19000.00}, the interest becomes 26.19 %. 
At 23.6 %, monthly interest charges amount to {$970.00}. 
At 26.19 %, monthly interest charges amount to {$1000.00}. 
The loan was in default for a period of 20 months. 
I have done my own personal research which proves to me that the balance of the loan at the time of default was {$74000.00}. Under these conditions, the interest rate will become 26.21 % and 29.09 %. 
Off course, I am a member of the minority. I can be abused. Its okay to discriminate against me. But. It is not legal. Abuse and discrimination have never been the name of the game. 
Since 2013, Chase has been ignoring my request for an answer. Clueless over the institution 's behavior, I stopped paying the loan with the hope that I will be able to meet someone to discuss the matter. Instead, the loan went back into foreclosure. On the first Court appearance, their lawyer stated that the case can be settled for {$2000.00}. I told him that I'm ready to pay the requested amount provided that I get the information that I'm looking for. He spent a whole year coming to Court every month without an answer. On the last Court date, he told me that he will see me in one month.

I become suspicious because there was no assigned Court date. Before the month was over, I went back to the Court. I spoke to the clerk who told that I have to take quick action if I want to save my house. That was then that I realized that the bank 's lawyer had lied to me. I went home. I called the bank. We started some negotiations. At the end, to add insult to injury, the bank charged over {$15000.00} on top of what they were already charging me. Remember that their lawyer makes me an offer of {$2000.00} that I conditionally accepted. 
The interest amount had always been the main problem. I wanted to know how they arrived at this number, {$19000.00}. It has always remained a secret. This is the secret that Chase has been unable to disclose. 
Best regards, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I bought a XXXX  hoodie on XX/XX/XXXX, and realized that it was not the color Id like 20 minutes after the purchase order was placed, so I sent in the cancellation email to XXXX  customer service to cancel the order on XX/XX/XXXX or early am on XX/XX/XXXX. I called XXXX  the next day on XX/XX/XXXX and no one answers the customer service hotline. On XX/XX/XXXX XXXX  provided a tracking #. XXXX customers service responded on XXXX stating that they can no longer change the order and stated that I could return the item and point me to their website. Then I went to the website and it says the order cant be found, so no return label could be printed. Upon receiving the unwanted order, I declined the package on XX/XX/XXXX. 

I provided the cancellation email and XXXX  refund policy to capital one, and still couldnt get the money back. Their dispute department isnt working very efficiently compared to a few years back. This case is simple and obvious. I even got a return confirmation from XXXX. Not so sure how could capital one not refund my money on such an obvious case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-10
Company: Block, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I found a fraudulent charge on my bank statement showing cash app with a name I did not recognize. I almost rarely use cash app. The only time I ever use cash app is to send to a XXXX which is a delivery service locally near me. I filed a dispute with my bank and they denied my dispute stating that I need to address it with cash app. I researched the so called name next to the cash app name on my statement and it looks like its a fraud account, scamming people online using con artist schemes and blackmail promotion

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report and saw an erroneous debt with this company. I do not believe I owe this debt so I disputed it and the results were that it was verified as accurate. They are allegedly reporting 100 % accurate data. Since they have verified inaccurate and erroneous information, they have violated my consumer rights under 15 USC 1681 FCRA and 1692 FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: NRA Group, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The collection agency failed to provide me a proper investigation as well as provide me PHYSICAL proof ( Just a COMPUTER GENERATED PRINT OUT ) That the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to Promptly DELETE all information which can not be verified.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-29
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute SEARS/CBNA Account number : XXXX where I am only reporting as an Authorized User. This should not be reported in my credit report. This derogatory account is affecting my credit score. I am not responsible for the debt owed by the account holder. I have been disputing this account but SEARS/CBNA continues to report it. The account closed, I no longer wanted to be associated with this account. I just want to remove me from this account. I am continuously reviewing my credit report. I need to be reported as TERMINATED in Bureau Code next time.

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 2023-10-03
Company: Affirm Holdings, Inc
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I called the company multiple times to explain to them that the debt is not mines. They said they will investigate and call me back. They never did. I had to call back. They refused to give me information about what was purchased or the debt itself. Ive been disputing the debt online and still no results. I have been trying to dispute this for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: Joseph M. Tobin, PC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Received notice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that this an attemp to collect a debt from XXXX XXXX XXXX the amount of XXXX.. Got no debt from this company, did not received any notice or statements or any attempts to contact me to notify me of such debt ... please advise as to what i can and should do ... i am given 30 days to dispute ... I searhed about XXXX and they are banned from collecting debts by FTC case filed on XX/XX/14.. thank you ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: Experian Information Solutions Inc.
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  ; Experian and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due, in addition this account has been closed. Please keep in mind that it is impossible to past due on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been  successful.

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 2023-11-12
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
See attachment I paid the account in full and was supposed to be deleted from my file. However they gave me the roundabout.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XX/XX/2020 my car payment with Capital One Auto was due. I wrote to XXXX XXXX, CEO to no avail. I called Capital one auto XXXX XXXX. Explained I was in a bad fall due to slipping on milk leaking from an employee s cart and had fractured two XXXX in my XXXX and hurt my XXXX XXXX XXXX. Lawsuit against XXXX in process. The cap one rep asked me to answer questions from a computer and at the end said sorry about that there's nothing they can do. 
I told him I lost my job as I'm a XXXX  and NH has been in shutdown since XXXX. 
He said sorry. 
I have paid 19 payments of {$290.00} every month. 
I asked for lower payments, loan extensions, they just added another {$14.00} late fee even though he said he'd waive it. I just paid it. 
I'm on social security and get s small XXXX pension from a divorce. 

They will not work with me and I'm in a temporary shelter the County put me in due to my age, XXXX and I just got out of the XXXX and was brought to the XXXX.

Company response to consumer: Closed with explanation