BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have called multiple times even after contact, sometimes XXXX to XXXX times a day. It is a debt from 2007 which is past the 7 year period. I have spoke to theit legal department and they refuse to give me an address where I can send a cease and desist letter via certified mail. XXXX man told me he will call my children 's children if that what it takes to collect as long as it takes. The state laws do n't apply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have held a mortgage with Bank of America , N.A . for the last XXXX years. I received a letter notifying me that they had sold my mortgage to XXXX effective XXXX/XXXX/15. The letter from Bank of America was dated XXXX/XXXX/15 which was not the proper XXXX days notice that they are required to give consumers. I did n't receive the notification letter until XXXX/XXXX/15 which only gave me XXXX days to respond or change any payment information in time as I left for a trip the next day. Today is XXXX/XXXX/15 & I still have not received any information from XXXX even though the transfer of my mortgage is effective XXXX/XXXX/15. I feel as a home owner I should have been notified a lot sooner than I was. I had to rush & get this taken care of at the last minute before I was to leave the country for my trip. In light of all the mortgage/banking issues I take my mortgage payments VERY seriously & I had to call both Bank of America & XXXX to get the proper information I needed to have peace of mind that my payment would be applied correctly as well as my entire mortgage account. It would have been nice to get this information in a timely manner as required. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04
Company: Colony Brands, Inc.
State: DE
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I am receiving double jeopardy on a Midnight Velvet account I had. Midnight Velvet is reporting the balance. They sent it to XXXX and XXXX and THEY are reporting the balance ... it subsequently was sent to XXXX and THEY are reporting the balance. XXXX collection balances reporting on my bureaus for XXXX ACCOUNT. This is a violation of federal law. 

I have disputed this with all XXXX bureaus and they left the balances on my files

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I am a consumer whos fully aware my property, or card was closed without my consent or authorized use. I am aware this company, capital one has been also committing fraud and using deceptive, abusive debt collection practices. As of XX/XX/2018 you charged off the account with a balance over {$600.00}. Capital One has not provided a copy of a 1099C. Capital one has furnished consumer reports to consumer reporting agencies on my behalf. I have not provided any direct consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: CITIBANK, N.A.
State: WI
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
CITI Card account ending XXXX has been billed in error. Please check the original account information for XXXX when this account was established, purchases made and what State and Why it was rolled over as this was reported as a " Rollover " account number. There was no use of any other account or issuance of any other credit card to this XXXX XXXX. 
There may have been identity theft as XXXX XXXX ( account ending XXXX ) only had this account since applying.

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 2017-04-27
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: Account information incorrect

Complaint:
Good Day As of  XXXX   XXXX ,   XXXX   I have on numerous occasions contacted Transunion to dispute inaccurate information and/or accounts listed on my credit report. I specifically asked them to please investigate and validate the information that is being reporting in writing and to no avail I have not received a valid response from Transunion the only thing I received is a new credit report with the items updated as new and accurate. This information is invalid. I am asking for assistance with this matter as this information is causing me hardship. In addition to Transunion not responding or deleting this information they continue to add fraud alerts to my credit report which I have asked in writing to be taken off! I want any and all fraud alerts to be removed IMMEDIATELY! The accounts in question are as follows --  XXXX   XXXX  account #  XXXX  $  XXXX  ***unverified account --  XXXX   XXXX   XXXX   account  XXXX   XXXX  $  XXXX  unverified account --  XXXX   XXXX   XXXX   account  XXXX   XXXX  {$540.00} *************** unverified account --   XXXX   XXXX   XXXX   account  XXXX   XXXX  {$1400.00} **************unverified account --  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  account  XXXX   XXXX  {$0.00} unverified account They have ignored all my request to provide me with the documents that they have in their files that they used to verify the disputed above accounts. And according to Sec tion 611 ( 5 ) ( A ) o f the FCRA -- they are required to PROMPTLY DELETE all information which can not be verified! I would like my rights under the FCRA to be enforced! I demand these accounts to be verified or deleted IMMEDIATELY sincerely  XXXX   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 2022-02-11
Company: EQUIFAX, INC.
State: IL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: Bread Financial Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Comenity Bank has obtained phone numbers of individuals who have nothing to do with the debt in question. An individual named XXXX contacted my son and specifically stated the call was in relation to an attempt to collect a debt. My son is not listed on this debt nor is he responsible for this debt. She also contacted an individual named XXXX XXXX, who has no relationship to me and no need to be contacted in any way. How both of these numbers were obtained is unknown to me. The number she called from is XXXX extensionXXXX. I attempted to find out how thes numbers were obtained with no success. When asked if there was a XXXX XXXX, they responded they had no knowledge of anyone by that name. When asked for the full name of the person I was talking to, he refused saying only his name is XXXX. Nor would he provide a direct number. 

I am well aware of this debt and have made small payments towards it upon getting a job after a period of unemployment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-11
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Several months ago - several charges showed up on my XXXX XXXX bank account -I set up for my small business- I opened the account with {$1000.00}. 

I have been charged several times with repeating charges of {$240.00} from XXXX -which I never authorized and several others. 

I explained to the bank - that my card was lost for some time - ( XXXX months ) and that I did not have the card in my possession for the time the charges were made. 

They refuse to accept my dispute and charged me with the over charge fees. Now collection companies are contacting me- my credit report is in jeopardy.

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 2017-10-08
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Citibank in violation of my individual ( rights ) due process in banking and incorrect banking practices, unprofessional, and rude/discourteous client services.

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 2016-12-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX TO : Portfolio Recovery Associates , LLC ACC # ACC # XXXX Account Disputes Department, XXXX XXXX XXXX, XXXX, VA XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify PORTFOLIO RECOVERY A ACC # XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : PORTFOLIO RECOVERY or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-01
Company: FC HoldCo LLC
State: GA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Ive asked numerous times for this debt to be validated and for copies of any and all documents they claim they have with my signature and im denied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: EQUIFAX, INC.
State: WI
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 name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy ( if any ) from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My online payments to Navient take days to weeks to be processed and my account is listed as past due and reported on my credit rating as late payments. I am also paying early in the billing cycle so more of the payment is put to the principle of the loan. With it taking so long to process payments I end up paying more on the interest than principle. I have sent dozens of emails to ask to resolve this issue and have only received " we 're working on it '' messages returned. Making a phone call is useless as you are put on hold for long periods of time and never get to talk to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Unexpected or other fees

Complaint:
WELLS FARGO- owes us {$55.00} x 24 months Plus {$280.00} ( for annual PCI fees ) = {$1600.00} total. My last conversation with them I was told they were investigating it and would get back to me. No response yet from them ... .. Then they said we were being billed {$55.00} because we did not have a PCI compliance with them. We sent them a cancellation letter almost two years ago and we do have a PCI compliance with our new company. They will not give us our money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: TD BANK US HOLDING COMPANY
State: ME
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:
Issue 1. TD Bank mortgage reported XX/XX/XXXX payment as late. Covid 19 Forebearace plan on this mortgage started XX/XX/XXXX and lasted for 18 months, so XX/XX/XXXX was during the forbearance period and should NOT be reported as a late payment. 

Issue 2. I paid the requested mortgage sum amount as personally directed by TD Bank upon completing 18 months of forbearance and it sat in the TD mortgage account, labeled by TD Bank as " unassigned funds '', which prompted late fees charged to me and an additional error on my credit report for late payment. 

TD Bank has since reviewed my payment history and removed all " late fees '', but they have not updated my credit report and my co-borrower 's / husband 's credit report. When I called TD Bank on XX/XX/XXXX about these 2 credit report mistakes, they told me to write to the credit report agencies. 

Please accept this as my written request for an investigation and correction of the 2 error reports on our mortgage account credit history. 

Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-11
Company: NAVY FEDERAL CREDIT UNION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I was recently scammed on XXXX while using my navy fed credit card, XXXX was no help to me so I reached out to my bank. they started a dispute and this morning said they needed more evidence. so I called navy fed, asked what all they needed to help them come to a conclusion. the lady told me she needed a few things which I submitted and she said the she had received it and that it was perfect. " exactly what they needed ''. I even told her if they needed anything else to just reach out to me. then I get an email a few hours later saying that my case was closed due to a lack of evidence. it just seemed very lazy, instead of reaching out they just close the case and hope I will go away.. even when the lady told me that was all I would need to receive my money back. I gave them everything, every email between me and the seller, the invoice, the tracking number. all the proof any human with a high school education would need to see that I got scammed. but somehow it still wasn't good enough. when I called they told me to appeal it but it would most likely be denied. what more information could have I possibly provided to them? they have literally every single detail about this incident. oh, it was for {$1200.00} in case whoever is reading this thinks I'm complaining about a few dollars.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Payoff process

Complaint:
I went to the Bank of America ( BoA ) branch XXXX XXXX XXXX, NY on Friday XXXX XXXX, 2015 to pay my credit card bill in person with the payment coupon provided by BoA for a bill due Tuesday XXXX XXXX, 2015. The teller misapplied my payment to another account. I called BoA to fix the error on Monday XXXX XXXX, 2015 and I was told by the BoA representative that BoA would charge me interest for 7-10 business days after which time they would retract the interest from my next bill and apply my payment. 

I pay my bill in full every month and have had this card for 25 years. My payments that day ( I made XXXX cash payments to the same account ), if properly applied, would be for the full billing amount - no interest would be paid to BoA. I am unhappy that BoA misapplied my payment even though my payment coupon was printed for the proper account and that they are charging my account interest that they otherwise would not be able to ( by misapplying my payment to another account they prevented me from paying off said account in full ). Their solution to allow the interest to accrue and then take it off my next statement is unacceptable. By delaying the transfer of my payment to the proper account for 7-10 business days they hurt my credit and fraudulently charge me interest that they are not entitled to. 

When I asked the representative for a reference number for this transaction ( moving the payment to the proper account ) I was informed that BoA offers no such reference. I asked her for her name so I could have some verification that I discovered and reported to BoA the error in applying my payment and she would only give her initials. By refusing to provide me with verification for my request to fix BoA 's error, and only providing me with the initials of the representative after I pressed her for some type of verification, BoA gives the appearance of trying to set up the customer to suffer further errors ( BoA can always say they never got my call to fix their error, for instance ) in order to charge consumers more interest fraudulently. Applying my payment to the proper account should be made the same day I reported the error, especially as I found and reported the error in advance of the the bill 's due date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation