BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
To whom it may concern Hi my name is XXXX XXXX XXXX XXXX, O traveled to XXXX in XXXX for two weeks and i had several problems with my debit/credit visa card from bank of america. 

A few times i used card and the monitoring transactions from bank of america locked my card a few times causing me public embarrassment and hardships due to not able to pay for what The services i was purchasing. Only after calling bank and put on lengthy holds it would be unlocked. 

After it id be always nervous if card would work or not. 

On the evening of XX/XX/XXXX i was out and went to a few places in XXXX XXXX XXXX where someone that worked at one of the establishments ive been seemed to have used my card for a number of transactions. About 24 of them. 

I received alerts later on that day stating for my surprise that my balance had dropped. I called the bank again and it seemed to be ok. 

On the morning of the 23rd i took my flight back into the United States and on that day I received an email stating i had {$3500.00} witch made me believe Everything was fine. 

I had debit card with me and used for my basic needs once in XXXX, fl. no problems at all untill on the XXXX where it was declined again. 

I called the bank they said my balance was now - {$2500.00}!! 
I checked my online banking and notice the fraudulent transactions 24 of them. Called back the bank and open a claim. 

Claim was then denied on XX/XX/XXXX as the bank claimed the transactions were fine and payment should have happened. 
The Bank said but it wasnt me. 

Claim total is about {$4900.00} Bank said i took too long to file claim. Well i was only aware of it on the XXXX and did it that very day. Transactions happened on the XXXX so that was 7 days. Federal law covers costumers for up to 60 days after fact.

Claim is now reopen after calling and calling and humiliating my self over and over where they say im the responsible that i have to monitor my account this that. They claimed to be monitoring it. They dis put 3 blocks on my card during the trip for very small transactions but they didnt went it was charged for 20 plus times minute after minute for way larger amounts that my spending pattern shows. Not only that my account was then overdrawn to about {$200.00} with returning fees included.

Where is my security where is my protection what do i do now?

Anybody can use this cards. Nobody ids u and no pin number is necessary crooks know it bank of america knows it but ITS MY FAULT ALONE. 

Please help me resolve this matter.

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 2019-09-12
Company: PINNACLE RECOVERY, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX, Trustee mailed me a letter in which I called XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX in which they could not find or tell me nothing regarding the account of the said Debt of {$2000.00} in which XXXX XXXX XXXX XXXX XXXX has not contacted me in anyway by mail, certified mail or any other contact since 2015 in which there has been no statements mailed or any type of a said bill of {$2000.00} I dispute the bill and have contacted and filed with the US Attorney office regarding this matter of no contact since 2015 by XXXX XXXX XXXX XXXX XXXX of the said debt. There has or been any attempt of contact by Pinnacle Recover nor XXXX XXXX XXXX XXXX in any regards of the said debt in which I dispute

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: ORG GC GP Buyer, LLC
State: MI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I don't have the letter in front of me so I don't have exacts dates but I know the time frame. 

At the beginning of the year- roughly XXXX I called to get a statement showing what were charging in interest and fees. The girl on the phone had told me it was 24.5 % but didn't actually show that anywhere. So I asked for a statement in writing showing me that's what I was being charged and when it was charged and how. She put me on hold and then got back on saying something would be sent. I did receive it. However, all they sent was a print out showing what my student loans were and what their total was. Nothing that showed what exactly they were charging. Then I received a letter stating they were reviewing my account and would contact me after it's been reviewed. I was never contacted. 

A few weeks later I received a letter from the department of education about garnishing my wages and it said I could object to it and so I filled out the form and typed out a letter stating I wasn't objecting to paying it but I was not going to pay fees in when they can't show me what they are charging, when it was or if accruing interest or fees. I also filed a complaint online on the myeddebt.com website and also made a payment through the website and not through GC Services.

Now, a few weeks after that I received another letter from GC Services in regards to my concerns to my account. This time they included a copy of student loan agreement. But again have yet to provide me with anything showing me the actual interest rate or any fees that are charging or when they have been applied. I've never disputed owing fees. All I asked for what a document saying what the fees are or the interest and when or how it's applied. Which I thought was a reasonable request, but it seems they are incapable of that and now I question why they won't put this information in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: National Credit Systems,Inc.
State: NJ
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 never had any credit to not pay. I never received any notice. This is not mines. They threatened me to pay or I will have this remain on my credit forever. 


XXXX XXXX XXXX XXXX Collection Department / Agency / Attorney Closed XX/XX/2011 {$1300.00} 1 Month

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX and XXXX have contacted me numerous times regarding the past sue balance I have with CheckSmart. I have not been contacted on the phone number I have provided them ( XXXX cell ). In XXXX they contacted me at the main work number ( XXXX ), one of the ladies in the front office ( XXXX  ) answered and when transferring the call to me, she asked if I was in legal trouble because they guy on the phone made it sound like I was in serious trouble. In XXXX ( XX/XX/ ) they called the main number again and got transferred to my desk. I spoke with a man and told him to not contact me at work anymore and I gave him my cell number ( XXXX ). Today I got another call from a man, I asked several times for the address of XXXX and XXXX, he refused to give me the address, instead he told me that he would send a form over verifying my wages because they were going to garnish my wages. I told him to not contact me at work anymore, then hung up. I can NOT receive calls like this at work. It is putting my job in jeopardy. I feel like these are unfair collection practices. They have threatened legal action, refused to stop contacting me at work, and now threaten to garish my wages. They also have never used the mini Miranda when speaking to me, I didn't even know they were debt collectors at first when they were threatening legal action, stating I had two judgements against me. 

Additionally, I have not been provided with any documentation that I owe a debt, after multiple requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Freedom mortgage was the 3rd processor of my loan. In XX/XX/XXXX, i received a late payment on my 3 credit reports. I pay my mortgage online. I had asked initially about auto pay, but at the time it was down or disabled in XX/XX/XXXX. So every month i did it manually. They never send confirmations of payment. Somehow the process did not go through. They sent my XX/XX/XXXX statement and I called immediately stating I intended to pay but the money was not taken from my acct. 
I sent appeals letters with promise of a response. I signed up for there autopay however in researching the company it is no guarantee against problem with them. They promised a response which never came I called today, waiting on the phone for over 45 min to a response of " take it up with the credit reporting companies ''. 


I did not receive any calls for XX/XX/XXXX warning of no payment. 
XX/XX/XXXX, from any XXXX number. I also further researched this issue and corroborated this fact on the phone with a freedom mortgage agent today. Freedom Mortgage agent " XXXX ' '' '' also corroborated that there were no courtesy calls to me in the month of XX/XX/XXXX for a missed payment. 
The agent also mentioned it is a policy at Freedom Mortgage to make Courtesy calls to home owners when a payment is not received.

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 2018-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

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 2018-12-22
Company: U.S. BANCORP
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
US Bank had me online case about there website and app not working properly I explained everything what the problem was that my iPhone will not load the site properly on wifi and on XXXX and I told them that the error was still occurring after the update of US Banks banking app I told them they need to do a update or a server maintenance but when i called a week my case was closed and my problem was not resolved they told me to call XXXX and My Carrier but they say call the Software Developer ( US Bank ) to fix this issue and they refused to fix my problem with a update or server maintenance and as a consumer i want to speak to that department with phone number or a call back and the person who never tried to acknowledge my problem his name is 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 2019-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Yesterday I received a court summons filed by XXXX XXXX XXXX, XXXX who represents Bank of America in my PO Box when checking for my car registration. I had contacted the firm while still at the post office to get started in planning a payment arrangement, explaining to them that I had a death in the family and was recovering my finances and getting up to date with a variety of bills along with taking care of the deceased estate and caring for the deceased while she was in the hospital and the nursing home. I had explained also that Bank of America was engaged in theft and filed a complaint against them about that. I contacted them this morning and after being on hold for a hundred years and several attempts, I reached a non-attorney debt collector by the name of XXXX, who stated that I need to recant my complaint with the CFPB before they can talk to me. I then contacted the CFPB and was informed that they had no right telling me that. I then attempted to call them and with no avail.

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 2021-07-18
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: NV
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:
Regarding closed complaint # XXXX On XX/XX/XXXX I received a letter from the National Consumer Telecom & Utilities Exchange stating that " within the last 12 months we have at least one report that added negative information to your NCTUE file '' and that I have the right to obtain a free copy of my file from them. Per my first complaint, I tried repeatedly to contact them unsuccessfully. 

Once I filed my initial complaint on XX/XX/XXXX, XXXX at the NCTUE contacted me by phone to figure out what was going on. We went back and forth. She couldn't find anything. I emailed her a copy of the notice on XX/XX/XXXX and a smaller copy of the notice on XX/XX/XXXX because my 2MB photos were too large for her email system to take at first. We went back and forth again, and she said she would send the copy of the notice to her bosses to figure out. 

I was patient and waited. On XX/XX/XXXX, I emailed her again to ask for an update. I never heard back. 

Are you sure NCTUE is a real company? I am concerned that this random company has my SSN, DOB, and full name and info, which I gave her to help find my information in her system to find out why I was sent that notice. Because of this, I am deeply concerned by her lack of follow-up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: Cottonwood Financial Ltd.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX is trying to collect {$680.00} when this is not the original amount of the loan. Opened XX/XX/17

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
So I recently purchased a 2 cars, one for my wife and one for myself ... .. now according to the fair debt collections practices act / Fair shopping, I am allowed to shop for the best rate and ALL inquiries should count as ONE, this did NOT happen ... .... EACH inquiry counted as an inquiry itself lowering my score 12 different times!!!! this is not supposed to be and I think it should be corrected THIS IS A LAW AND THEY SHOULD BE FORCED TO ABIDE BY IT

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 2019-09-12
Company: Patenaude & Felix A Professional Corporation
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX  started harassing me in XXXX. First they sent me certified mail multiple times, which alerted my mom of debts and was very humiliating. They were also calling me numerous times a day. To put a stop to it, I sent a cease and desist out, yet the calls continued a short time after. 

I still have a copy of certified mail from XX/XX/XXXX. If they provide my messages and with phone logs, I can prove they called me after the cease and desist. 

Later on XX/XX/XXXX I received a letter threatening suit, from Patenaude & Felix, A.P.C. They made a threat that I could be sued for not only the principal amount but legal costs as well. They also said that if I didn't dispute the charge in 30 days, it would be assumed correct, thus trying to take my legal right to debt verification away from me. 

Later on XX/XX/XXXX, they sent me a court summons.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: ONLINE Information Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter regarding a debt collection on XX/XX/2021 for XXXX XXXX XXXX for the amount of {$370.00}. I have no regards to this information so I paid it no attention at this time. I received a statement on my credit alert that a collection was noted on my report. I immediately wrote a dispute letter on XX/XX/2021, due to I have nothing to do with this and have been a victim of fraud in the past and from this state which the complaint is coming from also, I'm supposed to have been serviced at I never lived there and can prove it. I did not open an account with this consumer and no nothing about it, also would like to have them removed it from my credit reports after I get an affidavit and notarized statement of this claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-03
Company: EQUIFAX, INC.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX is currently being reported by Equifax on my credit report. I filed a dispute with all 3 bureaus and sent them a copy of my FTC identity theft report along with the explanation of the fraud account. The account was quickly remove by XXXX and XXXX   but Equifax still continues to report it. The FCRA holds each bureau liable reporting 100 % accurate information. This account is not accurate nor can it be considered valid if it's a result of fraud. Please help me resolve this matter once and for all. I would not want anyone to have to endure such aggravation after dealing with such a tragedy as identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was told I have about XXXX of dollars in over draft fees and also filed a claim of transaction that were not mine

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 2019-09-12
Company: BARCLAYS BANK DELAWARE
State: NJ
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:
Several months ago, I opened a dispute with Barclays for goods not received. I was issued a provisional credit. Without any explanation, I was rebilled for both items six weeks later. I called their disputes team, and they told me the reason for the rebilling was because the dispute was misentered into their system ( they entered that I returned the goods outside the merchant 's return period ), and that an explanation for the rebilling was in the mail. It wasn't. I disputed in writing again for goods not received, this time with proof. Almost a month later, their Disputes Team sent me a letter saying there would be no credit because we were now outside the timeframe that allowed for a dispute. 

This is 100 % Barclay 's fault, but the entire disputes team is so disorganized that I can't seem to get anywhere. Below is a detailed timeline of my communications with Barclays. 

- On Tuesday, XX/XX/2019, I sent Barclay Disputes two separate disputes via fax. The letters stated clearly " This charge was in exchange for goods that were never received. " I received two letters, both dated Friday, XX/XX/2019 confirming that the disputes had been resolved and a provisional credit applied to my account. 

-On Friday, XX/XX/2019, I noticed that both charges had been rebilled. I awaited an explanation in the mail, but one never arrived.Shortly after, I called Barclay 's Disputes to inquire about the rebilling. The customer service representative told me the reason for the rebilling was because the dispute was misentered into their system ( they entered that I returned the goods outside the merchant 's return period ), and that an explanation for the rebilling was in the mail. He left a note on my case explaining that the goods were never received. He promised that the written documentation would arrive in the mail shortly. It never came. He also explained I would have to reopen the dispute in writing, despite the fact that the rebilling was due to Barclay 's mistake. 

- On Tuesday, XX/XX/2019, I mailed a two letters to Barclay 's reopening the dispute and explaining that the rebilling was due to the reason for the dispute being misentered into the system.I did not receive a response until XX/XX/XXXX, at which point Barclays told me that they were now outside the timeframe allowed by Visa and would not seek reimbursement, despite the fact that the missed deadline was due to Barclay 's not properly filing my dispute to begin with.

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