BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-23
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
received notice from collection agency that I owed over XXXX to a credit card from TJMAX which I do not have I have never been in a TJMAX. This was through Syncrony Bank and done XX/XX/XXXX. I had just opened an account at XXXX store in XXXX through Syncrony Bank and one month later I receive a letter from XXXX It was sent to XXXX XXXX My name is XXXX XXXX. He or she also had my social number and birthdate. This is not me who did this. My credit is excellent

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-10
Company: FIRST NATIONAL BANK OF OMAHA
State: VA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
There was a non authorized transaction on my credit card ( that had a XXXX balance ). The company, First National Bank of Omaha, allowed for the transaction to take place. While I disputed the charge, the company proceeded to charge me " late fees '' in excess of {$100.00}. I now have a negative outstanding item on my credit report with XXXX. I ask that this be corrected immediately. My consumer rights were violated by multiple institutions and I ask for CFPB 's assistance in making me whole. I ask that the item at XXXX be removed from my credit report immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My bank has denied my claim for undelivered goods. The merchant stated on their website that all packages will be delivered with a signature release. So I ordered an expensive parcel and I trusted that it would be delivered upon the release of my signature. I never got the parcel and it was never signed for. The proof of delivery signature says " FRONT DOOR '' so no actual signature was taken. I would like to be refunded my money for this order.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
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:
I have no acknowledgement about all these inquiries except for my XXXX I just purchased in XXXX, also the six credit cards I have in my possession. I have a XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Card XXXX XXXXXXXX XXXX XXXX Card XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX Card XXXX XXXX XXXX XXXX XXXX I have to many inquiries on my credit. Can I please get some type of assistance? This is with all three-credit bureaus Equifax, XXXX, and XXXX. I am trying to correct this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: KEYCORP
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On or approximately XX/XX/XXXX I contacted Keybank because my debit card had been declined on a several recent attempts and upon my inquiring as to card issue, I was advised I should have received a letter stating they were closing my account. I have been using this account for over 15 years. Albeit I have has my share overdrafts, but I have paid the fees and brought my account current. I never received the letter which I was advised I should receive. On XX/XX/XXXX I received a letter from Keybank stating they had issued me a new debit card because the data of a company I had done business with was exposed and my account may have been compromised. The account number referenced on the letter was not my account number. On XX/XX/XXXX I called the customer service again to be put on lengthy hold, passed to another department which was never provided and again I was told my account was scheduled to be effective XX/XX/2020. During the time I was on the lengthy phone call I decided I should start printing my records ( statements ), within 10 minutes of completing the phone call I was locked out of my online banking access. I went to branch to request my money, but was advised they needed to check into the situation and didn't want me to close my account. I waited another day to hear the manager tell me he could not provide an explanation as to why, but that I was considered a risk to the bank. This is completely shocking ... I have been a banker for over 25 years and worked for Keybank for over 9 years, I am in no way a risk to the bank. Further, once I was told there was no alternative solution, but they were closing my account. I stopped in to withdraw my funds which had been on hold for over 14 days ... all of the deposits were electronic either my payroll or a direct deposit from an investment account. They would not let me take my money and in fact it took several additional days for me to determine they actually closed my account and were going to send me a check. This was very stressful as I had financial obligations and the funds were cleared. This was emotionally hurtful, bewildered and very stressful to my financial situation and honestly hold my money captive and determine when they would close the account and mail a check which then would need to be held with a new institution that would have no experience with me as a customer. 
I want a detailed explanation as to why I would be a risk to the bank with my meager funds and years of history, nothing changed with my banking activity with the exception of more direct or electronic deposits.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: FIRST NATIONAL BANK OF OMAHA
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
the bank i use for my online billpayments charged me a fee in error, i had more than enough money available at the start of the day and had more money deposited on the day of the payment on top of it, yet for some inexplicable reason they charged me a {$33.00} fee and appeared to show that the payment request i submitted had failed. i called my bank to discuss this, they told me on a recorded call that the payment had failed and i needed to submit another request for the payment, they also refunded my fee. i then submitted another payment request per their instructions, the next day my second payment request was sent and the XXXX XXXX was re-attempted. this caused another NSF fee and ultimately for XXXX of the XXXX payments to be returned from my payee ( a credit card company that then charged me a fee for the returned item, they did refund the fee but of course i had to call and spend additional time dealing with that issue all thanks to my bank giving me the wrong instructions on what to do ). In total i spent over 4 hours on the phone with my bank over this issue in XXXX. Meanwhile i moved most of my money into my local credit union account because i felt i could n't trust my online bank to not XXXX while they were adjusting my fees. now 3 weeks later they have charged me for XXXX additional {$33.00} fees and refunded XXXX of them. The XXXX fees are allegedly over a billpay item that does n't appear in the account transaction summary as scheduled, pending, delivered, anything. I finally asked them to close my account and give me my money back but they said they want money from me to cover the bogus fee ( # XXXX now, just so its clear ; XXXX bogus fees they 've assessed in less than 2 months ) before they will close my account. I always had enough $ in the account to cover the initial payment that started this whole mess, they never once explained why charged me a fee in the first place, they just waived it and told me they were sorry and i had to schedule another billpayment. From then its only gotten worse and they 've accepted less and less responsibility and made me have to jump through more and more hoops just to get them to give me back my $ that they never had a right to take int he first place. Please make them prove that my account was ever overdrawn by anything other than the fees that they charged me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Bank of america Business credit card for my small business ( LLC ). 
This credit card and the associated website is very confusing. If one has to call the customer service - it's at least 45-60 minutes of wait time - transfer from one department to another. 
I remember that i had setup the auto pay but it failed. I was charged {$39.00} late fees. When i called them up - they waived it because i made the payment immediately. 

Now when i finally talked to them after being on the phone line for 60 minutes ... i come to know there is eBill which triggers autoPay. 

This card, website and everything about Bank of america business card is very weird, odd and unusual ( read not basic common sense ) compared to other credit cards. 

When somebody is paying the auto pay - it expect you to fill all the entries ... it doesn't give the option to the customers like : Pay statement balance Pay minimum balance It just says - pay a certain amount ( which will change every month - why customer has to keep on seeing it to setup - every time ) It doesn't give customers the option to pay on due date ... customer will pick up the date and that date might be passed due date. 

Either bank of america is doing it intentionally ( to get late fees or interests from the customers ) OR they have shortage of right talent ( who can think, design and implement it ). Of course they outsource all their work and pay pennies to the local hires - so there is a very high chance the quality of IT staff is the poorest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-29
Company: AMERICAN EXPRESS COMPANY
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XX/XX/XXXX - Sent cease and desist, FTC report stating they violated me under 15 USC chapter 41, Validation of alleged debt pursuant to 15 USC 1692g to XXXX XXXX. Account ending in XXXX changed without my consent to account XXXX XXXX Received response, debt was not validated on first contact. 

XXXX Received letter stating that they were unable to reach out via Phone. My instructions were clear regarding this matter to cease phone communication until debt was validated. 
XXXX Received another statement of alleged debt. 

XX/XX/XXXX Affidavit of truth with exhibits ( 30 Federally protected consumer rights violated ) was sent and no response back, only received another statement which will be attatched at the end as another exhibit. 
Affidavit was received in XX/XX/XXXX Their 15 day response period is over, XXXX XXXX has to cease collection efforts and comply with my demands as a Natural person and Federally protected consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17
Company: CAVALRY INVESTMENTS, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/XXXX my XXXX XXXX XXXX account was hit with a levy, initiated by a law firm that has aggressively sought to collect a credit card debt. The company, XXXX XXXX XXXX XXXX XXXX and its customer service agents demanded a lump sum in order to release the levy on my XXXX  XXXX Savings Account. The company had previously looked into my XXXX account in XXXX to place a garnishment on my earnings. It has predatory practices to collect credit card debt. XXXX reviews of this law firm depict a law firm with predatory practices. 
My Savings account currently has a legal hold on a significant portion of the funds which are much larger than the actual amount of debt. 
These predatory practices must end once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
This concerns interest charges that are being applied to my account, and which contradict the advertised interest rate ( i.e. no interest ) for which I was qualified and for which I was approved at the time the device was purchased using the XXXX Card credit card. Below is a summary timeline of the transaction. 

XX/XX/2020 : I purchase the XXXX XXXX XXXX  from the XXXX XXXX at XXXX using the XXXX Card, and opted for the 24-month installment credit option. 
XX/XX/2020 : I contacted XXXX  to obtain support because the phone would not successfully complete the second SIM card set up. XXXX  directed me back to XXXX. 
XX/XX/2020 : After unsuccessfully trying to configure the device at the XXXX retail store, I returned to XXXX to request a refund as I was frustrated. At that point, the manager directed an associate to switch out the hardware. 
The XXXX  associate refunded the original transaction, and then completed a new sales transaction using my XXXX  Card details. 
The new hardware worked as expected. Since those transactions were completed, it has come to my attention that my Apple Card account is charging interest, and it is not on the 24-month interest-free installment plan that I thought I was getting. 

All indications suggest that the XXXX sales associate who processed the return on XX/XX/XXXX, did not set up my purchase the way the original purchase was done, thus causing my account to be subjected to interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have several accounts that are not mine that are still reporting on my credit file I have sent copies of my police report and a " notarized '' ftc id theft affidavit I have added a supplemental report from the police department outlining more specific the accounts involved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I called the 3 credit Bureaus after I purchased a credit report with smartcredit. After receiving a copy ofmy report, I saw these UNVERIFIABLE accounts on my personal profile. I sent a letter to the 3 credit bureaus last XX/XX/2022 and its over 30 days after I sent the letter. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Hoping that these listed accounts Late payments will be removed. 
XXXX XXXX XXXX Balance Owed : $ XXXX XXXX Balance Owed : {$11000.00}

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 2022-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
So I received an offer from capital one on my email saying Im approve for a wal-mart rewards credit card. I applied for it because I was told Im approve then, As my application process online, I get a notification saying I have an inquiry towards my credit. From my understanding I got approved then I applied and Im assuming they denied my application. If thats the case then I would have never applied, false advertisement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I called the 3 credit Bureaus after I purchased a credit report with smartcredit. After receiving a copy ofmy report, I saw these UNVERIFIABLE accounts on my personal profile. I sent a letter to the 3 credit bureaus last XX/XX/2022 and its over 30 days after I sent the letter. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Hoping that these listed accounts Late payments will be removed. 
XXXX XXXX XXXX Balance Owed : $ XXXX XXXX Balance Owed : {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: National Credit Adjusters, LLC
State: TX
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:
This is for Acct starting with XXXX ( XXXX ) I sent a letter via certified mail delivered on XX/XX/XXXX to National Credit Adjusters regarding a collection being reported on my credit report asking for validation of purported debt, to include relevant information that is required to be furnished by law : Copy of orig. contract Name and addr. of orig. creditor Name and addr. of alleged debtor Amount owed Full acct number Date acct open Date of last payment Date of first delinquency Complete acct activity Proof that this debt was sold to the company, and that they have the legal authority to collect the debt I had not received a response for well over one hundred and fifty-five days since National Credit Adjusters got my request to validate this debt. On this basis alone, the account should be deleted from my credit report since it is in violation of my rights under the Fair Credit Reporting Act. I have the cert mail receipt to show that it was received. Today, I was provided with the attached. This is not an acceptable validation that the debt belongs to me for the following reasons : 1. Nothing was provided that constitutes proof of the purchase of purported debt from the original creditor. 2. This is not my account, and I did not sign this document. 3. The address indicated on the document is not mine. 4. The bank account on this document is not mine. 5. The amount owed listed on the document is {$530.00}, but the amounts broken down in the document do not equal {$530.00}, AND the amount being reported on my credit report is {$590.00}, your response letter also says a different amount of {$590.00}. Also, the date last active had been updated to XX/XX/XXXX, which is re-aging, and is unlawful and a violation of the Fair Credit Reporting Act. I kindly ask that this account be deleted from my credit report at all CRAs, and all contact and collection attempts stop. Upon a response to this complaint, if this is not resolved as per the law requirements, my next contact will be the Federal Trade Comm, XXXX XXXX XXXX, the XXXX, social media, and the media. I will pursue legal action for damages if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: EQUIFAX, 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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request 3 BUREAUS the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6300.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} US DEPT ED XXXX Balance Owed XXXX {$0.00} U S DEPT ED XXXX Balance Owed XXXX {$0.00}

Company response to consumer: Closed with explanation