BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Around the dates of XX/XX/XXXX toXX/XX/XXXX, as well as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have dealt with multiple frauds claims with Bank of America. It started in XX/XX/XXXX where {$18000.00} was taken fraudulently out of my checking account from multiple locations across the U.S and even in other countries. It totaled over 250+ transactions. Even when I called Bank of America customer service fraud department at the very same time we were on the phone and I was explaining the panic I was in and frustration of what I was seeing on my account there were still transactions being made. I have filed a police report with my local police department and Bank of America has closed my claim over three times. Every time they closed it they stated the transaction were made with verification. I am furious because the money came from a lawsuit of something very traumatic that happened to me, similar to the Me Too Movement. I trusted Bank of America with all of my funds and they guaranteed me that money is insured when it comes to fraud. Not only that but according to XXXX my social security and all of my information was breached and that lead to the compromising of my bank account. Even after my first fraud claim with Bank of America I moved all my money into a separate private account with them and replaced my debit card and I STILL AM CONTINUING TO HAVE MONEY TAKEN FRAUDULENTLY OUT OF MY ACCOUNT! In may I was constantly having money taken out of my account from the XXXX XXXX which I do not own anything affiliated with XXXX. In XX/XX/XXXX through XX/XX/XXXX i have multiple transactions from XXXX taken off my account totaling over 2k+. This is ridiculous I have had over 8 debit cards from Bank of America this entire year! I still have not received my money back from first fraud claim and Bank of America is doing nothing to help me as one of their Platinum Honor Client. Please help to get what I deserve and is rightfully mines, because this no where right.

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 2015-07-29
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I just want to follow up with a previous complaint about Nationstar and their fraudulent customer service practices. I received a call from Nationstar and the person handling my account XXXX XXXX # XXXX. I missed the call and a minute later called back and could n't reach her. I left a voice message. A minute ago, I get a call from the same number and they hang up. I call back and I get the voice mail of XXXX XXXX. I called from my work number and it said the # was n't a working number or the call could n't be completed as dialed. How is that possible when I just received a call from someone from nationstar who hung up right as I answered? This is the customer service issues I am experiencing and have been experiencing since my morrgage was transferred over to this company. Until some government entity intervenes and investigates I am stuck dealing with this deceptive company and their questionable business practices and tactics to steal my home. Again, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  XXXX Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX  XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX TER, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: NCSPLUS INCORPORATED
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom this may concern : On XX/XX/2020 upon checking my credit I discovered that there were items reporting negatively on my credit which has been extremely harmful to my credit score. This same day I contacted the company listed as the creditor on my report, and proceeded with the dispute process. They replied with a letter on XX/XX/2020 stating that they are the debt collectors and that the info the had was valid. 

I responded with another dispute letter on XX/XX/2020 asking them to verify and show me where I had a contractual agreement with them, they refused and decided to send me yet another letter as their so called verification, this letter was dated XX/XX/2020 The company refuses to comply with the laws of the FCRA so I am writing with hopes to get help and bring this situation to a resolve. 

upon doing further research I discovered that this company isn't even registered to collect debts in the state of Florida. 

All info to support my claim is attached to this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18
Company: Experian Information Solutions Inc.
State: MD
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 is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ; XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$570.00} ; XXXX  XXXX XXXX XXXX XX/XX/2022.

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 2015-07-21
Company: NATIONSTAR MORTGAGE LLC
State: NV
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My loan on my home at XXXX XXXX XXXX XXXX, XXXX XXXX ' XXXX, ID XXXX was with XXXX. They sold the loan to XXXX, which went out of business without notification to whom they had sold the loan. XXXX pocketed some of the payments before becoming insolvent. XXXX XXXX XXXX said they had purchased the loan and had XXXX different balances, which varied by {$30000.00}. Then they sold the loan to XXXX XXXX which in turn sold the loan to Nationstar. After long negotiations Nationstar hasoffered XXXX trial payments of {$1500.00} with no further detail about what they are offering. 
This is exactly what XXXX did before they closed their doors. I maintain that these maneuvers are illegal and the loan balance of over {$310000.00} is ridiculous and illegal,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: EQUIFAX, INC.
State: NC
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:
I sent a letter to Equifax on XX/XX/XXXX, asking them to investigate 8 errors on my credit report. Over 45 days have passed, and I have yet to receive their response in the mail. They were supposed to mail me something back within 30 days. I have even sent a follow-up letter, and that is also being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Gurstel Law Firm, P.C.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against Gurstel Law Firm PC for committing Identity Theft by deception and using deceptive forms. Gurstel Law Firm PC mailed me a letter ( see Exhibit A ) dated XX/XX/2022, claiming I owe a debt, giving me until XX/XX/2022, to dispute the debt. XXXX ( XXXX ) days later, I received another letter ( see Exhibit B ) from Gurstel Law Firm PC claiming that XXXX XXXXXXXX investigated my fraud claim and determined the claim to be invalid, giving me 15 days ( until XX/XX/2022 ) to submit additional documentation supporting my claim. 

Gurstel Law Firm PC is using deceptive and unfair debt collection practices by claiming different due dates for the same alleged debt. I have never given Gurstel Law Firm PC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with UCC Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are liable for violations under 15 U.S. Code 1692e ( 12 ). I am legally refusing to pay this debt pursuant to 15 U. S. Code 1692c ( c ). 

I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Gurstel Law Firm PC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. 

If this documentary evidence can not be produced and Gurstel Law Firm PC continues its collection efforts, I will file for litigation for actual damages caused, and Gurstel Law Firm PC will be held criminally liable for Aggravated Identity Theft pursuant to 18 U.S. Code 1028A, extortion, theft by deception, securities fraud, and mail fraud. 

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. 

Your prompt attention and response are both, requested and required. 
Account XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: DISCOVER BANK
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I closed this account around the XXXX of XXXX and they still have not closed the account and are still holding my security deposit and won't return it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-05
Company: JPMORGAN CHASE & CO.
State: MN
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:
The following is a report of a mortgage initially opened on XX/XX/XXXX with JP Morgan Chase Mortgage. The mortgage was closed and paid in full on XX/XX/XXXX. 

On XX/XX/XXXX ( one year after the loan was paid in full ) JP Morgan Chase reported two greater than 30 day late payments that they report occurred in XX/XX/XXXX and XX/XX/XXXX. We did not make these payments past the due date. 

We have been damaged by higher insurance rates and credit costs as a result of their defamatory reports. 

JPMCB - HOME LENDING  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: CITIBANK, N.A.
State: VA
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:
This complaint is against XXXX XXXX XXXX  XXXX XXXX and its XXXX XXXX XXXX. I have mailed three letters concerning this matter to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX ; and one letter concerning this matter to XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX SD XXXX XXXX I have received no satisfactory reply from them. 
This situation arose in early XX/XX/2021, I think. The reason that I am not sure of the date is that I never received an invoice for the purchase. When I bought the tires the salesman at XXXX told me that if I took out this XXXX credit card I would receive {$50.00} and there would be no payment due and no interest charges for one year. That may seem like an unlikely offer, but considering how low interest rates were, it was believable that they would make such an offer to get me to take out this credit card. I should not have accepted this offer, because it turned out to be a misrepresentation on the part of the salesman. At the time, after getting the tires on my car, the salesman told me the computer was down, and they would mail me the invoice. The salesman may have lied about this. I never received an invoice or notice of the amount that was charged for the tires. It turned out that they did not have this information either. In a letter to me they asked me for the invoice which I did not have. I mailed Check number XXXX, dated XX/XX/XXXX, to them for {$850.00} which was supposedly for the tires, but I think this amount was inflated buy at least {$51.00}. After that I kept getting billed for interest which, I do not believe I owed. 
I mailed Check Number XXXX, dated XX/XX/XXXX, for {$29.00} interest, and Check Number XXXX, dated XX/XX/XXXX, to them for {$58.00} for interest and fees. Each letter I told them that I did not believe that I owed them money, and asked to have the fees and interest, and the credit card cancelled. All I got in return was more bills and charges. In reply to my letter to them in which I sent them Check number XXXX for {$29.00}, I received a bill for a fee of {$40.00}. In all I have paid {$87.00} in fees and interest. 
I believe that I have been over charged for the tires and should not have had to pay interest or a fee. Where is the invoice for the amount they charged me for the tires? They should refund me for the fees and interest ( {$87.00} ) and the excess that they charged me for the tires ( at least {$51.00} ). Where is the invoice?

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 2021-08-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
1. I reported my card stolen on XX/XX/21 in XXXX, XXXX 2. Chase representative said that I initially reported the card as lost and in my possession. Therefore, Chase denied my claim on XX/XX/21. Chase scheduled to charge back the {$2400.00} in credits to my account causing an overdraft amounting to - {$2100.00} on XX/XX/21. 
3. I called the claims department and asked why and this is when they informed me that the claim was filed incorrectly by one of their representatives. They asked me to submit the police report for a second review. 
4. I attempted to submit the police report and a statement of what happened on XX/XX/21 ( attached document ) however, it did not go through and Chase never received it. 
5. I attempted once more on XX/XX/21, this time by going to a Chase Bank branch. 
6. On XX/XX/21, I verified that they had received the documents. 
7. Today, XX/XX/21, I was informed that Chase determined " We found that the transaction ( s ) was processed according to the information you provided or was authorized '' and followed up with " No adjustment will be made to your account at this time. '' 8. So I called the claims department and they said there was nothing they can do and that the claim was denied because they determined I still had the card in my possession. They further added that if new evidence comes up they can reevaluate but that it's not possible to resubmit the claim for a third review. The representative also accused me of " changing my story '' even though the truth is that I was robbed and my cards were taken and used fraudulently without my consent 9. Another thing that I did mention to the representative on XX/XX/21 was that I didn't know " XXXX XXXX XXXX '' was a " Hospital '' merchant and so I recognized the charge was likely from a COVID rapid test I got since I was getting ready to leave XXXX for my home in XXXX ( as you know, President Biden requires a negative COVID test for entry into the US regardless of vaccination ). 
10. I submitted a police report. Why would I lie to the police? In the report, it states that the perpetrators stole my Chase/XXXX XXXXXXXX cards. XXXX XXXX swiftly removed the unauthorized charges and they have remained off. Chase did not do so and by doing so it is hurting me financially as payments set up on autopay are being rejected constantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated 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. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24
Company: First Credit Services Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
First Credit Services contacted me and told me i have a debt that needs to be paid off. They asked me numerous times to provide my bank information through the phone but I was adamant on not doing so. They referred me to using their website to make the payment. Now its been months and they call me on the daily up to this day. It marked on my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: KS
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-03-04
Company: Experian Information Solutions Inc.
State: GA
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:
I have contacted the bureaus well over 30 days on XX/XX/2021 to be exact. I have not received any information on the investigation as these items are still reporting and it's stopping me from moving forward as I have no knowledge of these fraudulent accounts.

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 2023-01-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
my bank pulled a free credit report for me an I found all of these names an accounts that dont belong to me. I filed a police report an called all companies they wont do nothing

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