BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
BofA refuses to provide the Photo Security service advertised on its website XX/XX/XXXXI went into a few branches in XXXX XXXX ( CA ) to add a photo security feature for my debit card ( see service description and their instructions to get the service below ). Was told they " did n't have a camera ''. In fact, they do n't even know which branch does have a camera. Was told to contact customer service by phone. Called them XX/XX/XXXX. Ref # XXXX. Was told they would " buy a camera '' and get back to me in 1 business day. One week later no one did. <P/>See the service description from BofA below : https : //www.bankofamerica.com/privacy/accounts-cards/credit-debit-card-security.goPhoto Security ( r ) Your picture on your debit card helps protect you from fraudulent use if your card is lost or stolen. Plus, you may be able to use your Photo Security ( r ) card as an additional form of ID. The Photo Security feature is available on most Bank of America debit cards. The Photo Security feature is not available on ATM cards, small business employee debit cards or small business deposit only cards. Adding a photo to a new or existing Bank of America card is easy : Stop by a banking center. We can take your photo in just a few minutes and you 'll receive your new card in 5-7 business days ( a debit card replacement fee may apply ). Continue to use your existing card until your new Photo Security card arrives. We 'll keep your photo on file so it automatically appears on your card when it 's re-issued.

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 2019-12-09
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: Their investigation did not fix an error on your report

Complaint:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 


I demand the following accounts be verified or removed immediately. 

Dept of Ed Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX US Bankrupt Court Account XXXX Account XXXX XXXX XXXX XXXX Account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-05
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
At the request of a horse owner, I called the  XXXX  out to a barn where I was assisting. I signed a form confirming that services were performed for the owner 's horse. I have never had an account with this provider, but the horse owner did. I have asked numerous times for them to show some proof that I am responsible for this debt, and never get a response. Obviously because I have never signed a contract with them or had an account with them. I want this removed from my credit report as it is not, nor has it ever been my responsibility. I did not own the horse, and was simply doing a favor for the owner. I can not get any response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-09
Company: Bread Financial Holdings, Inc.
State: CA
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: Their investigation did not fix an error on your report

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to zero or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: ERC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Letter was received XXXX or XXXX XXXX from ERC claiming to be for collection of an overdue balance due XXXX XXXX of {$440.00}. ERC claimed account could be settled for {$310.00}. We have never had ANY dealings what-so-ever with XXXX XXXX. We do not desire to deal directly with XXXX  or ERC if it will suggest ANY legitimacy of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
#  XXXX  was closed prematurely. The bank has declined to provide how the interest was calculated. Rate sheet stated .15 % a t 90-days. Deposit m ade  XXXX / XXXX / 16  for {$91000.00}. Here is my email after the call.    ***To :   XXXX  XXXX  XXXX  Cc :  XXXX   XXXX   XXXX   XXXX  at  XXXX     XXXX    XXXX  , Thank you for your call today.   Here is my take-away.   You acknowledged tha t the Wells Fargo rat e sheet states .15 %.   The rate sheet that stated .15 % was meant to say .0015 %.   There is no way to explain the calculation of the interest as it is system generated.   There will be no adjustment to my account.   This is not satisfactory.   Regarding .0015 %,  XXXX  X  XXXX  =  XXXX   Interest  paid  XXXX .   The bank 's calculation is flawed.   It is unlikely that if I misplace a decimal or   two when dealing with a Wells Fargo  debt, it would be brushed off as just an error, I 'm sorry for the misunderstanding.
I will allow a bit more time to see what Wells Fargo wil  l do next.     **I provided the rate sheet to  XXXX   XXXX  and still no follow-up. I am guessing this is not an isolated incident.

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 2021-11-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I spoke with American Express about fees that were assessed for late payment on XX/XX/2021. I explained that the reason my payments were late was because of a technical error in the American Express auto pay system where I was given confirmation auto pay was setup however according to American Express it was never registered in their system. 

When I explained this they said over the phone they would take care of the late payment fees. However, the representative only removed one fee from each of my American Express cards and did not remove the others as promised. 

Today I called American Express and was able to get the remaining fees removed from my consumer credit card however when I called the business card team, they refused to remove the fees despite me explaining the error in detail and my previous conversation with American Express. 

The fees that remain for my XXXX XXXX XXXX card ending in XXXX are : XX/XX/2021 - {$35.00} XX/XX/2021 - {$39.00} American Express should understand and acknowledge that these types of computer errors can and do happen with consumer bank applications and internet connected electronic systems. I think it is unfair and predatory for American Express to hold consumers responsible and target them with fees for technical errors and glitches present in their software. 

As of today, I have even paid American Express the late interest on my account despite all this. My account is fully paid, up-to-date, and I confirmed with American Express on XX/XX/XXXX when I was aware of the issue that autopay is enabled going forward. 

I am asking is that American Express do what is right and what was promised over the phone to remove the remaining late fees from my card dated XX/XX/XXXX and XX/XX/XXXX. If American Express will not remove the fees, I ask that they provide me the transcript of our call on XX/XX/XXXX so that I can review the record myself. 

Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-05
Company: CITIBANK, N.A.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The CFPB needs to take action on this illegal activity that Citi Mortgage did and continues to do to consumers. Attached you will find the original DOT that was recorded in XXXX XXXX Public Records in XXXX XXXX, XXXX. You will see that the original Lender is XXXX XXXX XXXX. Also attached is a DOT dated XXXX XXXX, XXXX. This DOT purported to transfer this mortgage to Citi Mortgage. Here in lies the problem. XXXX XXXX XXXX went bankrupt in XXXX. Although XXXX is purported to be a nominee for XXXX XXXX, this is far from the truth. There is current law which clearly stated that XXXX can not be a Nominee for a defunct organization. This is highly illegal and I will continue to fight this with an attorney until something is done about it. Attached is also the XXXX XXXX XXXX Dissolution which clearly shows that they were dissolved in XXXX. This is the biggest kicker of all. XXXX XXXX XXXX was never licensed to conduct business in the state of Maryland, which voids any mortgage contracts that they initiated in the State of Maryland. It is evident that these actions are highly illegal and the CFPB needs to take some action regarding this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Capstone Credit & Collection, LLC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested validation of the debt  Capstone Credit Services Inc say I owe on   XXXX   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I called XXXX XXXX  to report identity theft. An overwithdrawn amount was sent to collections that I did not know about. I have been trying to dispute with XXXX XXXX  debit for my checking account and had no chance to dispute it with the collections agency because I had no idea it existed. 

Someone tried to cash checks in my name. Overwithdrawn by XXXX and sent to collections.

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 2018-05-31
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I previously held an internet account with XXXX. My services were held at location # 1. I attempted to have my services moved from location # 1 to location # 1 and was toyed with for about 3 months with XXXX telling me I needed to wait to have services installed. On the 5th month of waiting a representative told me when I called, " We won't be able to install your service ever and we are canceling your account ''. I never heard another word from XXXX. At this point in time I am living at location # 2 and have not been at location # 1 for 5-6 months and had XXXX installed at location # 2. My XXXX equipment was stolen during the move from location # 1 to # 2. XXXX sent a bill for that equipment to location # 1 ( where I had not lived in over 6 months ) when they clearly had an address change on record for location # 2. As I did not know I owed the bill I did not pay it. I have recently had a collections account from Diversified Consultant Inc show up in the amount of {$160.00}. Both companies are refusing to allow me to pay this without it reflecting negatively on my credit, despite the fact that XXXX wrongfully reported the debt to a collections company without giving me a chance to pay the bill and having sent the bill to an address that is not mine. I have repeatedly tried to get XXXX to fix this and can not speak with management from DCI because they yell and are rude and will not let me speak whilst on the phone with them. I feel as if this is unfair practice by XXXXwhich is tainting my credit because they sent the bill to an incorrect address. Multiple times on a recorded line an XXXX representative has told me they can speak with DCI to have a pay for deletion and never followed through with that statment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I received a letter in the mail in  XX/XX/XXXX . It stated I was one of the lucky winners selected by VISA, MASTERCARD, and   XXXX   XXXX  . My share of the winnings would be 3,500,000.00. It asked me to contact my agent   XXXX   XXXX   XXXX   at  XXXX  for my method of payment, Once I contacted the agent he would advise me how to claim my winnings. When I talked to him he said take {$10000.00} on my credit card with my checking account at Bank of America. I told him I had to pay {$140.00} which he said forget that and to go to the   XXXX   XXXX   and buy laptops with the number  XXXX /  XXXX   XXXX   XXXX  r,   XXXX   XXXX  .
<P/>
He told me that the IRS would be sending me papers for tax purposes but I never did receive any. He called me on Saturday and said I would get my money by Monday. I never got the money and he said he would call and never did. He put wire money on  XX/XX/XXXX  for {$9900.00} and on 09/09/16 for {$9900.00} and on XX/XX/XXXX for {$9900.00}. On  XX/XX/XXXX  all three amounts bounced and returned unpaid according to Bank of America.
<P/>
I have a Lawyer at LegalShield and his name is   XXXX   XXXX   Phone #   XXXX  .
<P/>
I have to pay back {$30000.00} and I am making {$530.00} a month payments which I ca n't afford. I feel they should have gone after the person who did this to me. Also it seems I should have been coverd by fraud insurance through Bank of America. I did not realized at the time I was being scammed and the Bank of slow at letting me know a month and a half later. My   XXXX   XXXX   Credit Card was closed and checking account closed at the bank and I started a new Checking Account with Bank of America.
I feel I was ripped off all the way around by the Bank as well as credit card companies and everyone was slow at keeping me informed. I would call the bank and go over things but I do n't believe I should owe {$30000.00}. I am retired and on a fixed income and if I can not afford to pay all this may have to declare Bankruptcy.

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 2017-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
from my previous case from bank of America ref #  XXXX . all what bank of America did was send the same paper work again for me to fill out. I have done this twice and sent it back to them with all documents requested. they keep sending me the same exact thing over and over again. they never returned calls and they person you get on the phone does n't even know what is going on with your case or how to explain i t.

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 2021-11-14
Company: CONTRACT CALLERS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Contract Callers - Tel : ( XXXX ) XXXX This company is listed on my credit report claiming to be a collection agency for XXXX. However, I pay XXXX directly. Not through and outsourced agency. 

I would like them to remove their negative remarks from all of my credit reports through each credit bureau, and issue a formal apology for the continued garnishment of my credit rating and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: EQUIFAX, INC.
State: VA
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:
XXXX   XXXX  has been reporting an account on my credit for way over  XXXX  years. I would see the account appear on my credit report and dispute it. The account would be removed for a few years ; then it would reappear. The account would appear under many different collection agencies names and account numbers. I have disputed this error with  XXXX   XXXX  and they could not verify the account and removed it. I then disputed the account with Equifax several times  XXXX / XXXX / XXXX ,  XXXX  with th e most recent time being submitted on  XXXX / XXXX / XXXX . Each time Equifax is stating that they have verified the information. I went t o Civil cou rt on  XXXX / XXXX / XXXX  and th e Judge ruled  in my favor that I do not owe this debt. Equifax is still reporting this debt on my report which is financially harming me. I have called the collection agency as well and they could not find the account ; but it 's still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
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: Their investigation did not fix an error on your report

Complaint:
To EQUIFAX : I am tired of dealing with your lies and manipulations of peoples lives. I have filed a dispute several times with your company involving a Bankruptcy Public Record that is incorrectly reported on my Equifax credit report. The updated Equifax report as of XX/XX/2021, is still showing Bankruptcy Public Record as VEFIRIED AS ACCURATE. You state you obtained Bankruptcy Public Record Information from local, state, and federal courts through a third-party vendor, XXXX. I have included a letter from XXXX where they state they dont report bankruptcy on my consumer file. You have also listed the Agency 's contact info to be the US Bankruptcy Court. The Bankruptcy Court has both mailed me letters that emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. Please provide me with copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against your Credit Reporting Bureau. I will be seeking no less than {$5000.00} in damages for, but not limited to 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation