BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Please refer to my past complaint to CFPB  XXXX  Submitted to the CFPB on  X/XX/2017   .     Almost 2-3 weeks back I got a call from Bofa. He wanted to talk to me regarding this issue and told me that he is recording the call. I also stated that being in the state of AZ - I have the authority to record the call. The moment he come to know about it - he said that he will send the contents by mail. I have n't received anything from them via mail also.   Why in the world - it 's  so one side d that he can record the conversation because is " the bank '' but i can not. This is against my basic rights as  a US Citizen a nd against AZ policies.     Attaching the recorded conversation.

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 2017-10-13
Company: Southwest Credit Systems, L.P.
State: MA
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 an account with Southwest Credit Systems for XXXX with XXXX XXXX. This account is closed and is showing open on my credit report. The account also is showing incorrect charges. Ive tried to handle the issue with XXXX XXXX because they kept charging me when I no longer had the phone and was no longer a customer with this company. Ive requested for the incorrect information to be removed. This account was removed already and has reappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2021 I was sent a letter from XXXX XXXX, CEO of Carrier Group Companies that they had a security incident and the privacy and security of information was breached. Shortly after that - my identity was stolen and credit cards opened in many different big box accounts like XXXX, XXXX XXXX, XXXX, XXXX XXXX etc. I was able to deal with their fraud departments and I froze my credit with all 3 credit bureaus. 

However, I had a Capital One XXXX XXXX card ending in # XXXX opened via an online account in XX/XX/2021. I have called Capital One more than a dozen times reporting the breach - and each time they report they have " investigated '' this account and it is my account and I must pay the bill. No matter what I do, who i speak to it is always the same answer. 

I have reported this breach, faxed in all required documentation, offered to meet with a banker in person - and to literally no avail - I can not get this one account cleared up. 

When I ask for the results of their " investigation '' to my issue- they say they can not provide me with any additional information and I should speak to collections to pay my bill. 

I would like to issue a formal complaint against : XXXX XXXX Capital One Financial Corp XXXXXXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX I want to see the results of WHO via IP address of where my supposed account was opened. I want to see what the application was, I want to see what the results of their investigation against me was. 

Capital One Bank is the only bank that refuses to help me with my fraud claim - and their agents are so unhelpful- i think their internal practices should be investigated. 

I am reaching out for assistance in anyway you can offer. 

I hope to hear back. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: Advanced Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company is coming after me for an alleged debt. this was a rental property where the company had unbearable living conditions. So due to me being pregnant I decided to move with the manager 's approval. So the contract with rental property is over XXXX years ago. 
I informed the collection agency that the alleged debt is over XXXX years old and asked them to validate. and to date no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
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:
I mailed a debt validation letter to Bank of America ; Account Disputes [ Account ending in XXXX, with a balance of {$6900.00} as of XX/XX/XXXX ], on XX/XX/2020, via Certified mail. The letter was delivered on XX/XX/2020, at XXXX ( receipt attached ). 

Bank of America failed to provide me with the information I requested in the letter, and failed to place my account " in-dispute '' status. 

I received a letter from Bank of America, dated XX/XX/XXXX stating the validation of my account, failing to report to me, or credit agencies that my account was ever in dispute.

See attachments : 1. Letter mailed to Bank of America.

2. Delivery Confirmation of Debt Validation letter.

3. Credit report as of XX/XX/2020. 
4. Credit report as of XX/XX/2020. 
5. Bank of America 's reply to my debt validation request.

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 2021-11-12
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The creditor company was under LVNV funding And now resurgent capitol. This debt was included in my bankruptcy and it was charged off. This business came back as resurgent capitol and has put this negative on my credit. 
I paid them {$330.00} and they said they would remove it from my credit. It still on my credit which should have been discharged and I should have never paid something.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for HAMP with Fay Servicing , LLC XXXX. XXXX, XXXX, IL XXXX and was denied a loan modification. I appealed because I was told by my file manager ( I think his name was ( XXXX ) at Fay Servicing that I would be denied because the investor would probably require XXXX upfront for me to qualify. He insinuated there was no reason to send the required information because I would be denied anyway based on this fact. Therefore, on XXXX/XXXX/15, I sent an appeal letter to Fay servicing because I would later find out it was potentially illegal in California for the Servicing Company or investor to require an upfront fee for the HAMP program. I also appealed because I had a change in circumstances. I called Fay Servicing on XXXX/XXXX/15 because I never heard anything back from Fay Servicing regarding the appeal. This was when I was told that my account manager was no longer there and had been assigned a new account manager named " XXXX XXXX ''. " XXXX XXXX '' told me that Fay Servicing could not longer communicate with me about anything to do with my loan or appeal or loan modification unless I provided them the following information:1. A letterhead from the law firm representing me in a lawsuit with XXXX XXXX XXXX which has nothing to do with Fay Servicing. 
2. An attorney letterhead from the attorney representing me in a BK. 
3. Stated that the attorney representing me in a BK must sign the permission slip for them to talk to me about the HAMP loan modification for Fay Servicing to talk to me about my status on the loan modification appeal. 

Therefore - with the above being understood - I am submitting this complaint based on the following:1. Whatever BK that was filed in the past should have nothing to do with the loan modification process. This is especially considering that Fay Servicing has been communicating with me for several months during the loan modification process. This substantiates the fact that Fay Servicing potentially just made up this policy all the sudden to potentially harass me and violate my rights to appeal the loan mod process. 
2. Fay Servicing is guilty of dual tracking. That is because I had sales dates every single month during the loan mod process and even have XXXX this month during the appeal Fay Servicing absolutely refuses to talk to me about. 

Please help! 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
On XX/XX/XXXX I took a look at my bank account to see that {$920.00} had been charged to my account at a XX/XX/XXXX in the state of Maryland. I thought this was odd because I have never been there in my life. And I would not spend that amount of money at a XX/XX/XXXX on any given day. Especially considering the fact that I just recently separated from the XXXX  and am a XXXX veteran trying to survive out here. So, I immediately contacted Bank of America and started a claim. The people that I talked to on the phone all seemed to understand what was going on. Well, fast forward to recent. And their claims center and XX/XX/XXXX seems to disagree with the true story and are telling me they dont have sufficient evidence to prove it wasnt me. My XX/XX/XXXX account even had some random persons name and phone number to it. And my debit card information which I never put on my XX/XX/XXXX account. This makes no sense because I live in Texas and given my current life situations I wouldnt do something like that anyways. My bank statements even say the charges were in Maryland. I live in Texas! Apparently that isnt enough proof for them that it wasnt authorized. 12 years with them nowas you can see in the photos Ive attached the charges clearly state they were in Maryland. Not Texas, where I reside.

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 2019-11-07
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Multiple phone calls regarding debt owed. My personal information was compromised with XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: EQUIFAX, INC.
State: TX
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:
hello my name is XXXX XXXX ive recently checked my credit report & found some untheorized credit card accounts and collections & looks like someone has been running my credit because its showing hard inquires from car dealerships. 
which is hindedring me frfom getting approved for my home for my family please look into this matter asap and remove & delete these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: Credit Systems International, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Back on XXXX/XXXX/2015 we disputed a credit report entry from Credit Systems international. After the dispute with case numbers XXXX and XXXX, Credit Systems international agreed to delete the entry because " XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX does not show to be a good address for mail delivery. There were no telephone numbers on the file to attempt contact with XXXX XXXX. 
We attach our required verification of the debt. If XXXX XXXX disputes the validity of the charges, and if she will furnish our office what the dispute is, we will open an investigation. 
A request to delete the report from the Credit Reporting Agencies ( CRA ) has been requested and no further reports will be requested for a minimum of 60 days to allow XXXX XXXX sufficient time to review the itemized statement and/or notify us of any errors '' We then sent them a debt validation letter with specific information they need to send to me to validate the debt, not just say they have validated the debt. We uploaded into the CFPB system with the above claim # as well as mailed it certified mail # XXXX on XXXX XXXX, 2015 which they received on XXXX XXXX, 2015 @ XXXX. Not once they they respond and now again I find the charges on my credit report. I want these charges removed immediately until the information I requested is sent to me in accordance with HIPAA laws. I will again attach the original letter I sent them to this claim

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On Friday, XX/XX/2016 I noticed a charge on my Chase Freedom account that I did not authorized. I called the Chase Freedom number and I informed the representative that a fraudulent charge was on my account. He indicated that he would send me a new card and that he would report the charge and remove it. 

I saw that the charge posted and that it was included on my XX/XX/XXXX statement. Moreover, there was a foreign transaction fee that resulted from the fraudulent charge. When I noticed this, I called around midnight of XX/XX/XXXX and asked why the charge was not removed. The representative indicated that I would need to call back tomorrow to dispute the charge. I asked to speak to a supervisor and asked why this was not handled when I first called in on Friday, XX/XX/XXXX. He was unable to answer this. 

After speaking with several representatives and supervisors on XX/XX/XXXX for a total of 35 minutes calling the Freedom line, I was left waiting on hold for a supervisor in your security department. I hung up and called the Chase Sapphire direct line and was able to speak to a supervisor in your security department ( even though the fraud was on the Freedom card and not the Chase Sapphire card ). After being on the phone for 20 additional minutes, I was able to find out that this was suppose to be removed from my account within 24-48 and it was not. I am suppose to get a return call from your recovery team to find out more details. 

As a longtime chase customer, I would like to know why chase did not handle the fraud charge appropriately the first time. As a holder of the Sapphire Reserve card and Freedom card, I expect the very best in fraud protection and Chase failed in this case. Please also let me know what recompense you are willing to offer for the unnecessary time and energy this incident has caused me due to Chase 's error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: GA
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 remove XXXX XXXX XXXX XXXX credit card from my credit reports, XXXX XXXX XXXX XXXX has committed fraud by having someone else open up accounts in my name I went to report it, they didnt do anything about it, so I want this credit card removed, I have filed a ftc identity theft report and my information has been used to open accounts in my name with out my permission but XXXX XXXX XXXX XXXX has poor security, I want this off my credit report, XXXX has had a data breach and my information has been exposed on the web XXXX XXXX XXXX XXXX did not take this serious

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 2016-07-26
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
Chase Visa did not properly protect my rights as a consumer when I disputed a charge by a XXXX '' company. I had to call CHASE numerous times to get the information card mailed that provided the instructions to dispute. They were not very cooperative until months later. Thankfully I had clear cut email documentation of the vendor failure AND I provided email documentation from the XXXX '' Company that proved they had not provided services as advertised to CHASE. 
Chase summarily found in the vendor favor. I FIRMLY BELIEVE THEY NEVER REVIEWED THE DOCUMENTATION Until I escalated the complaint to Chase Visa " EXECUTIVE '' Office and fought for my rights. They finally agreed to dispute properly. I followed up with Chase Executive Office and was never called back to discuss my treatment. I gave them plenty of time. WATCHING THE XXXX SPEECH by the widow who was a victim of the scam reminded me that CHASE was more than willing to give me NO SUPPORT with my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received a notification from my credit monitoring company that I had a collection account. I immediately reached out to the creditor/collection company. I asked for the information. The collection company verified that they had sent the notice to an address which I moved from over two years ago. Given the passage of time, my mail was no longer forwarded. I have updated my address with the credit reporting bureaus as well as the XXXX. I asked for the information to be removed from my credit report, until I received the account information and the opportunity to dispute or pay within 30 days. They have failed to send me the information. Furthermore, they refused to send the original notice to my correct address. I have absolutely no information on this account, except for the name of the collection agency and the fact that it is for {$590.00}. I believe this is an unfair collection practice, as I did not receive the 30 day period during which to dispute or pay the collection. I have acted in good faith, even communicating with the collection agency by mail and telephone, and have not been provided with the same courtesy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-05-23
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Applied fo r American Express Cards but th ey after week still sitting on my credit application to witch I have an great score of  XXXX  they should review not giving me specialist team still reviewing witch is  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: Experian Information Solutions Inc.
State: NY
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:
The accounts that's listed are not my 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 2017-01-11
Company: U.S. BANCORP
State: CO
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XX/XX/2016 I Checked my online accts with USBank. I found that there were fraudulent charges on my credit card ( cc ) and XXXX debit cards ( db ) from XXXX that posted XX/XX/2016. I immediately advised USbank of the fraudulent charges. I have several accts with them and XXXX db 's and XXXX cc had charges including convenience cks, atm withdraws, balance inquiries, and point of sale ( POS ) transactions. They closed the accounts and indicated it would take 10 business days to receive provisional credit. While I was in the branch on XXXX different occasions, XXXX other customers came in indicating they had fraudulent charges. USBank has a data breech and they owe it to the consumer to notify the public! They reissued several sets of cards and I am now receiving pin numbers in the mail for my cc that I did not request. I contacted usbank several times and asked for status regarding the claims and all I get is someone will call you back. I have requested several times for calls from an investigator and no one has called back. I did receive a partial credit on my cc within the 10 business days, but not from my checking acct. I have been told I have an investigator for the pin #, one for an acct opened in XXXX, another is from an account opened in XXXX, and one for my cc. The credit for my checking acct was not credited within the 10 business days. USBank has a data breech, they need to inform the public! Consumers also need to be reimbursed for their time that this is taking by usbank paying punitive damages

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 2015-10-11
Company: STERLING JEWELERS, INC.
State: MS
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:
Kay jeweler found my family members phone numbers and has called them continuously to get messages to me. They went so far to tell my sister the name of their company and about how far behind my account is with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation