BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I noticed ATM withdrawals being made against my Bank of America account that were not made by me. I contacted Bank of America and canceled my business debit card and explained the situation. They put the $ XXXX+ back into my account, canceled my card and issued a new one. Approximately 1-2 weeks later, Bank of America sent me a letter stating that they were taking the {$1400.00} back out of my account as they found no fraud. I appealed their decision via telephone call as I absolutely did not make the withdrawals. At that particular time, thieves were using gas station pumps to steal debit card numbers and pins. I believe that is what happened to me. Bank of America denied the appeal and refused to give me my money. At this point, I started calling the banks where my ATM card was used fraudulently. One of the banks found the video of the person that withdrew the money and it was clearly not me. I wrote a very detailed letter to Bank of America and included screen shots of the video, offering the actual video to them at their request. I also filed a police report, found several articles regarding the gas station thefts ( one that quoted a Bank of America professional ), submitted their own policy of protecting business debit cards to them and asked for another appeal. I am attaching this notarized letter to this complaint for your information. Bank of America still refused to give me my $ XXXX+ back. As a result, automatic payments went out on the account which gave me a negative bank balance. Add bank penalty fees to that and we have a mess. I hold Bank of America directly responsible for all of this as they failed to keep someone from fraudulently using my card and then absolutely REFUSED to put the stolen money back into my account after I reported the information, provided video proof and filed a police report. Please look into this matter for me. Thank you.

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 2016-01-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Someone opened a Bank Of America credit card in my name, fraudulently, on XXXX/XXXX/XXXX, maintained the account for four months in order to increase the credit limit, ran up a {$5500.00} bill in the interim, and then stopped paying, after which Bank Of America promptly closed the account on XXXX/XXXX/XXXX. 

According to XXXX, " According to our records, on XXXX/XXXX/XXXX Bank of America # XXXX was deleted from your XXXX credit report per the police report you provided. On the same day, Bank of America was notified the account was deleted. However, on XXXX/XXXX/XXXX, Bank of America reinserted the account to your credit report ''. 

I did not open this account and I do not know who did. I 've faxed a copy of the XXXX XXXX XXXX Police Department 's Police Report along with a notarized I.D . Theft Affidavit to the bureaus and have attached them here as well. After repeated requests, the bureaus & Bank of America refused to provide me with any information obtained from their investigation and with anything regarding their rationale for reinserting the credit item. 

I need the credit item being reported to the credit bureaus removed from my credit file immediately. 

I look forward to your response,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: WELLS FARGO & COMPANY
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Wells Fargo opened a fraudulent checking account in my name. Wells Fargo has confirmed this was opened, but will not confirm if the account has been closed. I have provided them emails showing where the account was opened online at XXXX am and how the person then tried to change the email on the account to a different email address. I just want them to close the account and not waste anymore of my time with fraud occurring in my name.

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 2016-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
DUE XXXX due refusal to disclosed XXXX AS TRUSTEE ADDRESS on Account # XXXX, Property : XXXX XXXX XXXX XXXX, XXXX Fl XXXX. XXXX falsely claiming to be Attorney in Law of supposed investors, base in fraudulent, suspicious, purported assignment mortgage, recorded on XXXX, is requiere under Section 6, The Real Estate Settlement Procedures Act ( RESPA ) to furnished investors information and principal office : To Servicing Bank : XXXX XXXX, UT XXXX Ref. : XXXX XXXX XXXX Acc # XXXX Property : XXXX XXXX XXXX XXXX XXXX Fl XXXX NOTICE TO DISCLOSE XXXX AS TRUSTEE HEADQUARTER ADDRESS AND ITS CEO OR AGENTS The undersigned, pursuant Section 6, The Real Estate Settlement Procedures Act ( RESPA ) request XXXX to produce/disclose the following information : 1. Release XXXX AS TRUSTEE Headquarter Address of the Mortgage Acc # XXXX. 
2. Release XXXX, As Trustee 's representative name, in authority to handle decision/legal action on subject Mortgage signed by XXXX XXXX and XXXX on XXXX XXXX. 
3. Release, but not limited, any assignment officially recorded by XXXX XXXX XXXX to XXXX or any other institution, previous of the purported one recorded on XXXX by crooked and disbarred lawyer XXXX XXXX and Bank of America. 

Pursuant Section 6, The Real Estate Settlement Procedures Act ( RESPA ) XXXX as the servicing bank handling this account, is required to disclose and release the above-referenced and inquired documents. 

XXXX, Fl 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 2017-01-25
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have asked this company Navient to provide me the proper documents in order to verify and validate a loan I allegedly owe. They sent me the wrong info and this will hurt my credit for something that I do not know its mine because the proper documents have not been sent. It has been over XXXX days and by law they have to remove it from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Our Bank of America Visa correctly identified fraudulent activity in XXXX 2016 when it denied charges for several transactions including, for example : XXXX on XXXX XXXX for {$100.00}, XXXX XXXXXXXXXXXX and XXXX @ {$420.00}. We were not aware of this until we received the XX/XX/XXXX-XX/XX/XXXX itemized charges. When we saw over {$1800.00} in fraudulent charges, we cancelled the card and requested an investigation. In particular, the XXXX transaction on XXXX XXXX of {$380.00} and a {$280.00} at XXXX should certainly require an ID check. After the investigation, we were told the pattern did n't fit fraud so the claim was denied. We asked several times now for the case to be re-opened, requested copies of the signatures and filed a police report. The single signature copy we received was n't a legitimate signature. BOA has debited our account for the entire fraudulent amount. We can verify being at work when there were fraudulent card swipes. We have offered to help in every way but they wo n't refund the charges. Since BOA identified fraud and denied claims with our card, without telling us, they acknowledged fraud. Now they are denying fraud for later purchases at these very places. We have never shopped at XXXX or several other places where the fraud occurred.

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 2021-12-28
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I started a dispute with Experian back in 2020 ( presently still sending the letters ) about my personal information needing to be updated and carry only my correct address, correct name and correct date of birth. Also, about several accounts that have been reporting inaccurately which XXXX and XXXX have seen the errors and immediately deleted the accounts. Which I find it weird for two credit bureaus to be able to remove the accounts for inaccuracies but Experian claims to verified them. How is Experian verifying them when the other two credit bureaus couldn't?. 

As of today, nothing has changed and its frustrating. I've written multiple letters ( in matter of fact every month ). I am in the process of trying to buy a house with my kids but Experian needs to update/correct/or removed the accounts. 

I currently reside in XXXX and they still have XXXX old addresses from XXXX, XXXX 

There is a XXXXXXXX XXXX  account, The Bureaus account, XXXX XXXX XXXX, XXXX XXXX. I did my research and there were inaccuracies which XXXX and XXXX agreed with since they removed the accounts. Experian have not even bother with it. Then to top it off, I send them letters every month and I get a response every other month or every 3 months. 

I just personally would like for them to review my report accordingly as XXXX XXXX and XXXX has done, How can XXXX credit bureaus agree on what was sent and did their part and Experian keeps saying its verified. Impossible!!! Wouldn't the other two have verified it too!!?

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 2021-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On Monday XX/XX/2021 at XXXX ( EST ), I received two emails from Capital One bank confirming opening of both a checking account and a savings account. Both accounts were opened fraudulently. 

Capital One Bank ( and XXXX - read below ) allowed both accounts to be opened even though I have identity theft flags on my credit reports which I updated through the CFPB consumer portal in XXXX ( 2021 ) as a result of XXXX allowing a checking account to be opened. 

I immediately called Capital One and was transferred to a rather combative CS Manager in Capital One 's fraud department who went so far as to say to me ( on a recorded call ) that " [ he ] didn't have time to stay on the phone '' when I began asking him questions about how the account was opened?, was it opened online or at a branch?, what proof of identity was provided to open the accounts?, how were the accounts opened when I have identity theft flags on my reports as a result of the XXXX breach ( and considering I updated the identity theft flags notifying all three credit bureaus that fraudulent accounts were opened )? 

He said I would receive a letter in the mail in 7-10 days but claimed, contrary to FTC regulations XXXX that Capital One would not provide me the information of how the accounts were opened, what identity information was used to open the accounts, what federally mandated ID was provided to open the accounts, etc... Capital One you will provide me with the information about how the accounts were opened. 

I ask the CS manager who 'approved " the accounts being opened and he specifically named XXXX ( again, this is a recorded call ), thus XXXX XXXX has twice now, first with XXXX and now Capital One bank, within a 6-month period, approved fraudulent accounts being opened even though my credit reports have been flagged for identity theft since I received notification of the XXXX XXXX breach... 

And might I add that Capital One just settled a {$190.00} million class action lawsuit for their data breach YET, they've CLEARLY NOT PUT MEASURES IN PLACE TO PREVENT FRAUDULENT ACCOUNTS BEING OPENED AT THEIR OWN BANK. 

I opt-out of Capital One data breach settlement and will pursue actions as deemed necessary against Capital One and XXXX. 

I will be filing separate complaint against XXXX and adding XXXX and XXXX to the complaint for notification purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: Navient Solutions, LLC.
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: Account information incorrect

Complaint:
Navient keeps adding balances and subtracting balances from my accounts. this is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one, they did not have my correct contact information and i was not able to be notified i was out of forbearance. I respectively ask that the lates from XXXX be removed and set to current. As soon as i contacted Navient my loans were put back in forbearance. Also, I want all loans older than 7 years off my credit report, as that is more than the SOL for my state. I need this done ASAP, as Navient is doing illegal collecting and reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/XXXX I mailed dispute letters to each of the three credit bureaus. I still not received a response from any of them. If 30 days is the limit they have to respond, they have clearly gone over. There are accounts on my report that are older than seven years and they need to be removed from my report.

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 2021-12-28
Company: Atlanticus Services Corporation
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was sick with XXXX i provided them proof per the US credit cares act if affected by pandemic, i am now capable of paying my bill but i was never deliquent and they put my account as deliquent knowing i was hospitalized for XXXX fighitng for my life. i submitted dispute and first they send me email that it is being removed 30-60 then they send another email days later its only being removed if i pay balance my next payment per care act isnt due till XX/XX/XXXX and further more they can not report negs to agency per care act if hte acct was NOT neg prior to my being sick and it was NOT neg.. i demand the resolution of all negs removed from my credit report RIGHT NOW they give you the run around they scam clients the reviews are horrible and i am also going to make a stink to XXXX to ensure XXXX no longher uses them.. this is fraud all together this company is committing fraud and i want them investigated now and my credit report fixed asap

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: EQUIFAX, INC.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was sick with XXXX i provided them proof per the US credit cares act if affected by pandemic, i am now capable of paying my bill but i was never deliquent and they put my account as deliquent knowing i was hospitalized for XXXX fighitng for my life. i submitted dispute and first they send me email that it is being removed 30-60 then they send another email days later its only being removed if i pay balance my next payment per care act isnt due till XX/XX/XXXX and further more they can not report negs to agency per care act if hte acct was NOT neg prior to my being sick and it was NOT neg.. i demand the resolution of all negs removed from my credit report RIGHT NOW they give you the run around they scam clients the reviews are horrible and i am also going to make a stink to XXXX to ensure XXXX no longher uses them.. this is fraud all together this company is committing fraud and i want them investigated now and my credit report fixed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Making payments on time, and website is not updated to show payments are being processed or applied to the loan. Loan website is indicating payment due as being XXXX. Also showing no payments being made since XXXX XXXX, 2016. This is not the case. Last payment was made on time in XXXX of 2016. Since the website indicated XXXX due in XXXX, I assumed my estranged wife made the XXXX payment ( who is also tied to this loan ). I fear that the balance due is incorrect and my credit reports are suffering as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Experian Information Solutions Inc.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was sick with XXXX i provided them proof per the US credit cares act if affected by pandemic, i am now capable of paying my bill but i was never deliquent and they put my account as deliquent knowing i was hospitalized for XXXX fighitng for my life. i submitted dispute and first they send me email that it is being removed 30-60 then they send another email days later its only being removed if i pay balance my next payment per care act isnt due till XX/XX/XXXX and further more they can not report negs to agency per care act if hte acct was NOT neg prior to my being sick and it was NOT neg.. i demand the resolution of all negs removed from my credit report RIGHT NOW they give you the run around they scam clients the reviews are horrible and i am also going to make a stink to XXXX to ensure XXXX no longher uses them.. this is fraud all together this company is committing fraud and i want them investigated now and my credit report fixed asap

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 2020-06-09
Company: CARS Acquisition, LLC
State: MN
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:
XXXX credit reports i have an outstanding balance of {$770.00}. The company name that shows up is Car Financial SERVICES. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Everytime i call i am told there is no record and then i am hung up on. 
Which I did purchase a vehicle at XXXX XXXX in XXXX XXXX XXXX Mn. in XXXX. Paid off by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: Check Security Associates, LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX, 2015 XXXX XXXX from Warner Asset Location Services started calling my home number, my parents home and my husbands phone. He is looking for XXXX XXXX and he asked us to relay a message. I asked him on XXXX XXXX, 2015 to stop calling my number harassing me about someone else 's debt because I do n't relay messages. He called again on XXXX XXXX, 2015 and left another message about the same person 's debt. It is pure harassment at this point.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Genesis FS Card Services, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was given a credit limit of {$300.00} by Genesis FS Card Services , Inc. XXXX Destiny Card. There should not be a credit limit, only an open-end credit plan for the card I received which means my balance at the end of each billing cycle should be zeroed out and there should not be a minimum balance due pursuant to 15 USC 1602j . Please rectify this account to an open-end credit plan and refund me the minimum payment that was paid as I am invoking my specified remedy as an original creditor and the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is an account from XXXX XXXX that is listed that says I have multiple missed payments for AFTER I returned my lease to XXXX. I returned my lease in XXXX of 2018. Those missed payments are all for after my lease was returned to XXXX.

Company response to consumer: Closed with explanation