BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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: Was not notified of investigation status or results

Complaint:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-22
Company: ID Analytics, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
this complaint is in reference to complaint # XXXX Where as I notified by CFPB that SageStream LLC refusal to answer complaint. this is no surprise because Sage Stream refuse to answer request for a copy of my Consumer report and request to put a freeze on my credit report. Still to this day. I submitted a forth request via certified mail # XXXX that was signed and delivered to the company on XX/XX/2020. 
When this complaint is forwarded to SageStream it will be followed by a lawsuit being delivered to there registered agent and they will be able to answer for the Company 's transgression in a court of law where i I will sue for damages as I am able to do under the FCRA. I dare them to not answer that complaint when it is delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: EQUIFAX, INC.
State: AL
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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: HW Holding, Inc
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a collection no tice from Hunter-Warfield cl aiming that I owed {$700.00} principle and {$51.00} interest. The debt was supposedly being collected on behalf of  XXXX   XXXX   XXXX , the owner of an apartment I rented, the notice was dated  XXXX / XXXX / XXXX .   I moved out of the apartment in  XXXX   XXXX , the end of the lease, and the prope rty manager told me everything was fine and I did n't owe anything. A year later I received the collection notice. I called Hunter-Warfield and requested a copy of the contract, and validation of the debt, which they are required by law to provide, according to the Fair Debt Collection Practices Act ( 15USC1692 ).    On  XXXX / XXXX / XXXX   Hunter-Warfield adm itted over the phone that they do not have the contract or validation of the debt. They told me they would stop trying to collect, and would contact the credit bureaus to correct the situation. They said they are unable to provide a written statement that they have done so, and they also are unable to close my case, all they can to is stop trying to collect.   They claim that they are unable to cancel the collection. If they do n't have the contract or validation, they have to cancel the collection.   I am pretty sure that in 6 months to a year they will attempt to collect this debt again, that is why they wo n't provide a written statement or close the case. They were illegally trying to collect a debt that I never owed, and they certainly never had any evidence that I did, and they are keeping the case open so they can try to harass me again in the future.   I am certain their response will be " company believes the complaint is a result of a misunderstanding ''.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: IL
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 feel like I'm being taken advantage of being ignored of my disputes. It is clearly stated on XXXX that failure to examine an item within 30 days is cause to instantly remove it off my credit report. Since it has been over 60 days, these entries should be deleted immediately. I demand that these accounts be deleted immediately, or I will sue you for the stress you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
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:
There was a fraudulent charge on my account on XX/XX/XXXX. This fraudulent charge was reported to my bank, and a claim was started. Today, XX/XX/XXXX, I received a letter in the mail today saying my claim was denied. 

Here are the facts : I have never been to the city and state that the fraudulent charge was made in. Nobody has, or has had, access to my debit card/account information but me. 
The charge was from an ATM machine-again, nobody had, or has, my account/debit card information but me. 

I have attempted 5 times now to speak with the fraud department at my bank. I have been told 5 times now that there " is nothing that can be done '', and that the claim has been closed. There is not a merchant to contact because this was an ATM withdrawal. I was told by the bank to file a police report in the city/state that the charge was made. Nobody from the bank has told me why the claim was denied. 

Another thing to add-I am supposed to be a " preferred client '' with this bank. However, that means nothing because they clearly do not care about their customers. How much money do you need to have in the bank for them to care?? 

I need help with this matter, please.

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 2016-02-11
Company: State Collection Service, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This complaint is related to a previous complaint I forwarded to you on XXXX/XXXX/XXXX under Case Number XXXX, XXXX & XXXX. The same collection agency, State Collection and XXXX XXXX XXXX are now sending me, collection notices for services I received from XXXX XXXX on XXXX/XXXX/XXXX. I paid the amount my insurance did not pay in the amount of {$76.00} on XXXX XXXX, XXXX in the amount of {$390.00} which included the amount I owed for my mastectomy at the same hospital on XXXX XXXX, XXXX. This check cleared XXXX XXXX XXXX on XXXX XXXX, XXXX. The check is made payable to XXXX XXXX for services rendered on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. A copy of the cleared check was sent to XXXX XXXX on XXXX XXXX, XXXX and a copy was later sent to State Collection Agency, so there is no reason they should be harassing me over these charges. This is only a continued harassment over the charges I have proven we do not owe on my husband via my previous notices to you. The physical and mental toll of this harassment is taking it 's toll on me and my husband and I feel they are completely out of line and that their actions are punitive. I have notified them repeatedly that I am charging them for the time I have had to invest in responding to these unowed charges and my time charges alone are currently at {$720.00}. This does not include processing fees as well as punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Bank Of America. 
Their smallest accounts for Checking and saving carry a minimum balance of {$1500.00} and {$300.00} respectively. 
If you do not maintain the minimum balance they charge those accounts {$12.00} and {$5.00} respectively. This is predatory banking. 
They have charged these " monthly maintenance fees '' to my accounts for over 12 years. 
Bank of America has the most numerous banking facilities in my location compared to other institutions. 
I have contacted the bank over the years numerous times. They report there is nothing they can do.

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 2021-04-21
Company: Adler Wallach & Associates, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have tried to request validation and dispute this inaccurate charge. I do not owe on ANY medical debt or bills. All my medical bills are covered by XXXX XXXX XXXX. Everywhere I go knows that. This is wrong, inaccurate, and false information that I was never informed of owing any debt or given a right to dispute this before it was listed on my credit file. This is wrong and unfair. I need some help. 

AWA Collections reporting # XXXX for {$700.00} AWA Collections reporting # XXXX for {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: Nelnet, Inc.
State: RI
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 was shocked when I reviewed my credit report and found late payment on the dates below : USDOE/GLELSI XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: Chaplain Financial Services LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
So this has been going on for year, with multiple debt companies all in the greater  XXXX , GA area, so I believe that these companies are all connected.     This is for a very old debt that I had taken out and paid back. The original debt was to  XXXX   XXXX   XXXX   XXXX   XXXX   which multiple federal agencies including the DOJ has sued for defrauding customers. Now this debt has been and keeps getting sold from debt collector to debt collector. I have asked multiple times for verification of the debt and a full accounting showing all payments made. I have never received anything I have asked.   I have asked in writing that they no longer call me and sent multiple cease and desist letters. They go away for years at a time only to resurface using a different collection agency name.     The most recent is Company name Chaplain Financial Services LLC,  XXXX   XXXX   XXXX ,  XXXX , GA,  XXXX  Phone :  XXXX .     In todays call  XXXX / XXXX / XXXX  they did multiple things.    1. C alled using a spoofed caller id. Todays caller id was  XXXX , returning calls to that number says that the number is not in service. I believe this is be a violation of the Truth In Caller ID Act of  XXXX  and FCC regulations. Additionally I believe that this violates deceptive practices under the FDCPA.     2. Their call was a robo-call made to my cell phone. They have been notified multiple times that this is my cell phone. I believe this to be a willful violation of the TCPA.
3. It was stated in the Robo-Call and in the subsequent phone conversation that I had with a gentleman there ( who hung up on me when I informed him he was in violation of the FDCPA ) that they are sending this to a process server today so that I can be served with a summons. They have not filed suit against me, nor do they plan to. I believe this to be another violation of the FDCPA.
All of this from a 3min 5sec phone   call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a long-time ( XXXX ) customer of BofA and a BAC shareholder since XXXX. 

On XX/XX/XXXX, I went to the BofA branch at the XXXX XXXX in XXXX, CA. I deposited a check for {$30000.00} dollars after being assured ( twice by the nice teller ) that the {$30000.00} would be available the next day on XX/XX/XXXX. 

The next day on XX/XX/XXXX, I went to BofA and was told that the funds were NOT available. I then called XXXX in which the check had been written. They assured me that the {$30000.00} had already been negotiated and drawn from my margin account. 
I am a long-time ( XXXX ) customer of BofA and a BAC shareholder since XXXX. 

On XX/XX/XXXX, I went to the BofA branch at the XXXX XXXX in XXXX, CA. I deposited a check for {$30000.00} dollars after being assured ( twice by the nice teller ) that the {$30000.00} would be available the next day on XX/XX/XXXX. 

The next day on XX/XX/XXXX, I went to BofA and was told that the funds were NOT available, as promised twice. I then called XXXX in which the check had been written. They assured me that the {$30000.00} had already been negotiated and drawn from my margin account. 

I then went to a nearby BofA branch and was advised to call BofA, which I did. I spoke with XXXX, then her supervisor XXXX, and supposedly a manager by the name of XXXX. XXXX has NO customer service skills and was unfriendly and shoved me off within seconds of my " conversation '' with her. At no time did she apologize or work towards a solution, even after I told her that I would contact both the California and FederaXXXX regulators for assistance. She obviously could care less. 

BofA had promised me ( twice ) that the funds would be available on XX/XX/XXXX. Yet now they are claiming that it will be more than ONE WEEK before the {$30000.00} will be available! This is clearly a bait-and-switch and a breach of an oral contract. 

BofA is using my {$30000.00} check to them as part of their float, at my expense. Additionally, I was unable to make a promised legal payment, using a wire transfer today, which was the deadline. This nearly cost me one of my homes due to not having the promised funds by BofA. They gave me an e-mail to BofA which was no good ( it would not go through after several submissions ) and they told me that someone would be contacting me and they never did. 

BofA 's failure to honor its promises is despicable. This is the second time that BofA has caused me tremendous financial problems during the past year!!! They apparently feel that they are " too big to fail ''. 

I await your remedy to this fiasco that should have been corrected by BofA management, yet wasn't. Thank you for your assistance.

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 2020-03-22
Company: JPMORGAN CHASE & CO.
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:
Chase Bank is reporting late payment into my credit reports falsely, we have made an arrangements to have the account paid into this promotion for XX/XX/2020 for {$220.00} XX/XX/2020 and XX/XX/2020. each month as special deal. but the corporation fail to update that into the system reflecting my account late and with overdue payment as default on their system. 

I have made payments as arranged, XXXX Paid, as well XXXX, XXXX payment coming soon, I see all-ready late fees applied to the account for all this month and as well reported late on the credit reports.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-04
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted Freedom Mortgage and sent them my Insurance Policy. This included multiple messages with my insurance information attached as well as calling XXXX to have them send Freedom Mortgage my insurance information. Freedom Mortgage refused to recognize my insurance. I then filed a compliant with the CFPB and attached my insurance documents as well. As a clearly punitive action, after I filed a complaint with the Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX Customer Service responded saying he went out and purchased an insurance policy without my permission and overnighted the payment WITHOUT MY PERMISSION. This is completely unacceptable as I clearly provided my insurance information. 

CANCEL THE CHECK TO TRAVELER 's for the insurance policy you illegally purchased on my behalf and respect the policy I provided you MULTIPLE times through multiple forums. My policy is attached AGAIN for your review.

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 2020-04-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020 I attempted two withdrawals from XXXX bank in XXXX XXXX Washington. Neither attempt was successful. I immediately called my bank and disputed the charges. One dispute was resolved, the other was not. The charge in question was for {$400.00}. Basically a {$400.00} withdrawal and a {$3.00} ATM fee. After the dispute was denied I called again and escalated it. It was denied again. I then called a few more times to get the evidence they used to deny my claim and they have not provided me with it. It is my right to see the evidence they used to deny the claim and it seems like they are refusing to give it to me. I have filed a police report and am still attempting to resolve this with my bank ( USAA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Bread Financial Holdings, Inc.
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: Investigation took more than 30 days

Complaint:
I reached out to Comenity BankXXXX on a charge off which means this payment was already settled. I called to settle the account and ask for a deletion letter and they agreed to give me a deletion letter if i paid the balance in full and they only sent me a paid off letter. I would like for them to remove this off as they agreed to do over the phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-22
Company: La Casa Bonita Investments
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was called by One File.org back in XX/XX/2016 about consolidating my loans into a new program that would allow me to make much lower monthly payments based on my income and that all student loan debt remaining after 120 on time monthly payments would be forgiven. The initial quote from one file was a monthly payment of {$120.00}. They told me that I would need to make 3 installments of {$300.00} in order to have my loans included in this program. I never agreed to pay the fees or to have my loans consolidated, I just requested that they send me all of the information and my final quote after I provided them with my income documents. I later found out that they had taken the complete {$900.00} fee out of my checking but never did anything about my loans, so after about 6 months I called to inquire and they said that someone would have to call me back. 3 months after that I noticed that I was receiving mail from a loan servicer named XXXX XXXX XXXX XXXX and that this same company was taking {$240.00} per month out of my checking account. I called both companies immediately. XXXX XXXX told me that they were servicing my consolidated loans. One File.org still could not answer my questions and when I requested the fee be returned to me and told them that I never agreed to have my loans consolidated, they told me that they would have to have a supervisor pull the recording of the calls and get back with me. One File.org was also taking {$10.00} per month from me for broker fees. Someone from XXXX XXXX told me to change my FSA ID and password to end the illegal fees, so I did but somehow One File.org changed it again to continue taking the fees. To this day, I call frequently with no response from One File.org and now pay more per month than if they had never called me to begin with.

Company response to consumer: Untimely response