BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-23
Company: KEYCORP
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
received several text alerts about fraud that was trying to be done in mY account. And I followed the steps that I usually do when that happens. I then received a call from a XXXX  XXXX XXXX employee who was in fact a fraudster. He went through all the proper steps that employees go through when verifying an account. After we verified everything I was scammed out of {$1400.00} and it was zelled to another bank. I called filed a claim reached out to XXXX  XXXX XXXX & they denied the claim, said I should reach out to the scamming bank to try and resolve anything. When I reached out to that bank ( Key Bank ) they would not help me in giving me any information and told me to go back to my bank. But Im the victim of fraud and they are protecting their client that steals?!? How can the company, XXXX, and XXXX  XXXX XXXX & Key Bank no one help me. I have been scammed out of {$1400.00} and NO ONE a can give me answers. I have spoken to my local police department and it seems so hopeless. In speaking to my bank they said this is a big issue with fraudsters impersonating every step of their security protocols. BUT how are consumers suppose to know whats real and what not if the very protocols put in place to secure us are in fact not secure?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: Rocket Mortgage, LLC
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
While applying for a mortgage refinance in 2013, Quicken Loans misrepresented my credit score by XXXX points on all XXXX credit bureaus and suggested that I enroll in their XXXX XXXX Program at a cost of {$200.00} plus dollars. While being guaranteed that the costs would go towards closing should I apply. I inquired about the discrepancy in the scores and was told that the scores I see for my personal credit monitoring is different than the score they see. While I had a qualifying score initially, my score was increased by satisfying some small debts ... However, each quicken loan representative I spoke with subsequent, refused to process my application without an additional cash payment. I can include names and contact numbers of those involved in this process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-12
Company: Kimball, Tirey & St. John LLP
State: CA
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:
The XXXX . located in XXXX, CA. The Manager or Leasing Specialist of XXXX . was notified that during the time when the apt . unit was flooded with water from the HVAC system of the building I had to look for a place to reside for about a month. I did not occupied the apt . unit because their HVAC system is not operational in my apt . unit. After the repair and clean up period, my apt . unit was not in livable condition the apt . unit had a bad odor due to the water that sipped into the carpet and the odor can cause illness and disease. I have informed the XXXX . manager about this and she agreed that I will move out of the apt . and I will not be able to get my deposit money back because she will apply it as payment for the month that they were fixing and cleaning the apt . unit. I had a rental insurance provided by the XXXX . Leasing Specialist before moving in.I did not file for the rental insurance claim although I have electronic equipments that were damaged during the water leakage from the HVAC system in the apt . unit. 
Please provide the receipt of the deposit I made to the XXXX . and the maintenance report of the HVAC system of the apt . unit I was occupying at that time. 
I do not have any contract signed with the collections agency and the XXXX . manager should provide and disclose the cost of the repair of the HVAC system of my apt . unit and indicate if this was filed as a deductable in thier accounting books for their company 's tax purposes. Furthermore, the deposit money i made seems non-existent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I paid off my Capital One credit card years ago. I just never closed the account because I thought it would look better on my credit report to have a zero balance than a closed card. When my new card arrived after the old one expired it had a sticker on it with directions to call for activation. I kept this sticker attached and never called. I filed the card away in a safe place. Years go by and I forget I even have/had this account. Suddenly in XX/XX/XXXX I get alerts that the card is being used. Immediately I call Capital One. I get nothing but the run around. No hassle card?? This is anything but. I pull out the card to reference it & the valid dates are XX/XX/XXXX thru XX/XX/XXXX. Keep in mind this card was never used, the account inactive since XX/XX/XXXX. This card was NEVER activated. After several calls they send me what looks like a novel in the mail with with a ton of paperwork to fill out about the charges. Then I have to check off each & every charge that I claim is fraudulent. That 's EVERY charge!!! Pages & pages of them. I fax the many pages to them. Get another past due bill in the mail. More calls made. Turns out after all this they did n't close the account or flag it?! How does someone continue to make purchases, does this bank have any common sense? Call again & order the account to be closed. Finally get a notice on the mail everything is resolved. Two weeks later another bill for past due amounts. I call again. Apparently only some of the charges were resolved as fraudulent, not the later charges. This is going on 5 months now. What a joke. Honestly feeling like this bank is nothing but a giant scam. This particular card has an expiration date of XX/XX/XXXX. Is this a coincidence that after years of inactivity just months before the account expires again there 's hundreds and hundreds of dollars charged? Some that required a currency exchange so obviously out of the country? I 've never even been out of the country. Either the company itself is a giant scam or employees are stealing the information. No other way anyone would have had access to the account, it was n't even an active account. Not only would I never recommend anyone ever do business with this bank, I highly recommend closing accounts if you have them & do n't let anyone you know use this company for any type of loans or credit cards. Still not a resolved issue, I could n't be more annoyed or frustrated. Do n't walk away from this bank. Run. I 'm actually nervous they have my information in their system, I do n't trust them one bit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This credit card account WAS not opened in XXXX is was opened in XXXX and the last payment and the made in XXXX. This company has brought the debt and it starting the time all over. Which is not to be done. Per Federal law requires that collection agencies report the original delinquency date from the original account. Because the original delinquency date does not change, the seven year time frame does not start over when an account is sold or transferred to a another lender or collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: Experian Information Solutions Inc.
State: OR
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 HAVE TRIED TO HAVE AN ACCOUNT BLOCKED ON MY REPORT WITH   XXXX    SEVERAL TIMES NOW AND HAVE SUPPLIED ALL THE DOCUMENTS THEY REQUESTED TO HAVE IT REMOVED. UNDER THE FRCA  605B EXPERIAN AND   XXXX   XXXX   HAVE REMOVED THE FRAUD ACCOUNTS BUT   XXXX   HAS NOT AND SAYING IT NEEDS TO DO A FULL INVESTIGATION EVE N THOUGH ITS FROM IDENTITY THEFT SO THEY KEEP VERIFYING IT. I HAVE SUPPLIED MY DL, ID AFFIDAVIT FORM AND A POLICE REPORT AND STILL WONT HELP

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 2017-02-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've been battling for about a year now to get some accounts that were taken out in my name resolved. I 've sent this company XXXX series of documents and what they 've required for my case. Still, am having issues with a creditor collection company on my report. XXXX. The other XXXX collections came off but this did n't. I 'm wondering if XXXX or XXXX pays this bureau under the table or just pays more than what is required but it makes me concerned. XXXX have received also XXXX documents and I 've gotten zero response from them either. This bureau did respond just with notices of an alert. Also, there 's this judgment for {$910.00}? contested that bc I 'm never been evicted or sued or anything.

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 2021-09-01
Company: Bread Financial Holdings, Inc.
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i was reviewing my credit reports for emplyment verification, credit denied fora essential product car for replacement transportation lost in car accident in XX/XX/XXXX and as a survivor of declared disasters XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and noticed that Comenity Bank XXXX XXXX falsely reported inaccurate information to my three credits reports agency, in the monthly terms covered by the CARES ACT AND following BILLs of the declared disasters and national emergency crisis, where mandated that missed payments should not be reported and no late fees charges applies. i was severe affected by XXXX, XXXX and their disruption that caused me lost all of my incomes, all my rights violations, lost of my employments, and future contracts, abuses behaviors against me, car accident with property loss, two involuntarily relocations, credit discrimination, housing discrimination, source of income discrimination, and victim of misleading and predatory acts of Banking Institutions such as XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and Landlords XXXX XXXX & XXXX XXXX XXXX, falsely accusations from XXXX XXXX, XXXX XXXX and XXXX XXXX immediately neighbors and relatives of the Landlords of my home for 5 years from XX/XX/XXXX to XX/XX/XXXX that acted against my right to work, my privacy and intimacy and my right to self defense and defense of my home, myown safety and other rights violations that caused me a lot of damages and losses of my patrimony and effort for 23 years at that time, and lost of my belongings with the only purpose to steal my home property and the mortgage payment made for approximately {$150000.00} plus the payment of more than {$250000.00} in property repairs and replacement through the five years under abuses and stalked conduct from the neighbors to intimidated me to leave the property. I did not owed the inaccurate amount reported from XXXX XXXX, they under the cares acts and bills those charges do not proceed. i request an immediate fix of the inaccurate information reported it was affected me in my employment and credit verification and i have the right to privacy cover under the constitution, i was a survivor of the disasters and i was severely affected, i did not received any aid or sba help during XXXX and XXXX, neither under XXXX received nothing from sba they denied me the aids and the loans due to credit report and it is unequal treatment, and credit discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
hi XXXX XXXX/ Sears/cbna ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2017-01-03
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: LA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Greetings, On XX/XX/2016 there was an issue with my autopay and it debited me for double my mortgage payment. This was my fault admittedly as I apparently inputted into the wrong autopay field. I called Franklin American and was told that it would be wired back to my account. This did n't happen for days. I called back a week later and was told the same thing and that it it would then be resolved. That never happened. I called again and was told that it had to now be mailed to me. I agreed to that and never received it. I called again and they said it would be overnighted and I did finally receive it several days later by regular mail on XX/XX/XXXX. Since then I 've been haggling with my bank about all the bank fees I 've received since then and was instructed it is the obligation of Franklin American to refund me those fees. 

This has been extremely frustrating and has cost me a great deal of money. I need this resolved immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-25
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/XXXX, I checked my credit score on Experian mobile app, my credit score was XXXX. On XX/XX/XXXX, I applied for a XXXX XXXX XXXX credit card. It was approved and received a {$5000.00} credit limit. 
On XX/XX/XXXX, I received my new credit card. It had some documents with my credit score, it showed XXXX ( source used Experian ) It doesnt make any sense. How could I get this corrected? 

Thank you for your time. 

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 2015-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Rewards

Complaint:
I have XXXX of Bank of America Credit cards, XXXX is power rewardssignature visa, XXXX is cash rewards signature visa. Bank of Americacredit department closed my both account without any notice, and all of mycash or power points rewards are forfeited. I do not violate any T & Cs of credit card agreement or rewards program rule, and both of my credit card account remains in good standing, I want bank of america refund all cash or power rewards to me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: Dynamic Recovery Solutions, LLC
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello XXXX Hospital /DYNAMIC RECOVERY SOLUTIO , Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-14
Company: Aargon Agency, Inc.
State: MI
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a letter from Aargon collection agency on XX/XX/2015 saying I owe a debt that I have no knowledge of. The date on the letter is dated XX/XX/2015. I responded to the letter asking for verification and for them to respond only through mail not by phone and l also gave them my new address. I have moved from the address that they have on there letter. Aargon collection agency is know for ignoring letters and putting debt on your credit report without verifying. The address on there letter is for collecting money not for disputes. That 's their way to say I did n't dispute this debt. I sent a letter to the address anyway. I also have a copy of the tracking and date it was sent well before the 30 days. Need help with my letter of dispute getting to the right address so this does n't end up on my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-12-09
Company: SQUARETWO FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There was a loan taken in my name from a company called XXXX which I had no knowledge of or received money from. A company called Cach LLC bought the loan from them and originally called me in XX/XX/XXXX through Fresh View Solutions, they were told that the debt was not mine and I never applied for a loan nor received any money from a loan from XXXX or CACH LLC. Did not hear anything in response until I received a call on XX/XX/XXXX from XXXX XXXX XXXX who attempts to collect money on behalf of CACH LLC, they also called other family members trying to get my information. They were told again the loan was fraudulent, but they are still attempting to collect the debt which should not be mine. I did some research on what XXXX requires to accept to pay out a loan and they require bank account information and to verify employment, which would have been hard for me to do since when this loan was taken out ( XX/XX/XXXX ) I was unemployed and a XXXX and my bank account records will show I never received any loans from XXXX or CACH LLC. I am uncertain how they operate but it appears they need to validate their information before paying out to someone who claims to be someone else.

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