BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Opened " XXXX XXXX '' account in XX/XX/2018 in my name. Funded it with {$100.00} from my credit union 's checking account in my name. Without notice, warning, or explanation the account became blocked. After chatting it up with extremely professional customer service representatives I had the account unblocked. Why did it get blocked in the first place? It remains a mystery to this day! Decided to use the online bill-pay to test it out. Paid XXXX XXXX, XXXX, & XXXX. All credit cards. All in my name. The payments went out. Then I received an e-mail from XXXX XXXX stating that I had sent them a payment which came back " insufficient funds. '' I thought it was a phishing attempt or spam, because I had more than enough money in my account to cover the online bill-payments. It turned out my " XXXX XXXX '' account got blocked again! Thus causing all the credit card payments I had made to come back as " insufficient funds '' which is not true. I had and have sufficient funds. " XXXX XXXX '' whether knowingly or not, whether on a technicality or not, did not tell the truth about my financial status to my credit card companies. In defamation and libel cases, even if there was no intention on the part of " XXXX XXXX '' to have done this - it is no defense under the laws of the State of California. So of course, I called up " XXXX XXXX. '' I was told my account got unblocked and the payments would get disbursed to the payees, and not to worry. Well of course, that didn't happen. The account got blocked again, or I was misled. Because of " XXXX XXXX '' - payments bounced to XXXX XXXX, XXXX, & XXXX. I have had good positive relationships with those credit card companies. Then this happened! I even received a letter from a company called " XXXX '' about these " insufficient fund '' transactions. All of these different counts of defamation and libel. It was and it is simply not true. I called " XXXX XXXX '' up and was told someone would get back to me. They never did. No call from a supervisor. No " bedside manner. '' None of it. I probably would have been okay with some kind of resolution from a higher up at " XXXX XXXX. '' But that didn't happen. I wrote a letter to " XXXX XXXX. '' No response. Then I stepped it up with a demand letter. A response from an " XXXX XXXX '' in XXXX XXXX XXXX. Now I wait. I do not want anyone else to go through what I have. It is not worth it. This is not the same " XXXX XXXX '' that the XXXX family put into place. To say I am disappointed is an understatement. I am sad. 

Your Desired Resolution : {$10000.00} and a handwritten apology from a " XXXX XXXX '' executive.

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 2017-04-10
Company: Revenue Assurance Professionals LLC
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This company is reporting as negative on my credit report when in fact this us a paid account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: CITIBANK, N.A.
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
This more to get correct information than a complaint.   I deposited a check from   XXXX   XXXX   in  XXXX  to a  Citibank i n  XXXX  on XX/XX/XXXX .I have accounts in both banks.Was surprised to find on the deposit slip :  Fundsfrom your  transaction will be delayed as shown below    XXXX   a vailable to  day, XXXX   XX/XX/XXXX , XXXX  XX/XX/XXXX ,  XXXX   on  XX/XX/XXXX  and the rest on   XXXX   total checks deposite d /cashed on this day exceeded {$5000.00}.   I thought the regulation was availavle fund is afte  3rd d ay when the check comes from bank in the same city.   There was a FDIC information on the counter that cash is available  one plus bus iness day.   Only answer from the ban k manager wa s this is our policy .When I asked him the FDIC  poster in the b ank he really did not have any answer other than saying bank policy I just would like to know where does the regulation state..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I filed an initial complaint to receive debt verification including an original creditor agreement as well as proof of a breached contract from PRA on XX/XX/XXXX. On XX/XX/XXXX I received an addition letter from PRA that included an alleged corespondance from XXXX that I have never seen, nor did it match any address I have been associated with. PRA failed to provide the requested contract mentioned above, nor any proof of a breached contract. A second request for an original creditor agreement as well as legal proof of a breached contract was sent to PRA on XX/XX/XXXX. Despite these attempts, Portfolio Recovery Associates , LLC failed to provide legal verification of any alleged debt. Since the requested information was never received despite PRA having ample time to provide such information, I presume that no proof of the alleged debt exists, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: Ad Astra Recovery Services Inc
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted the company Ad Astra about this debt. I have explained in great detail that this account is not mine. I have had an account w/speedy cash but that account has already reported to my CB report and is a totally different amount. I never had two loans. I was never even notified of this debt. I never received a call nor letter verifying the debt nor advising me of this debt being owed. If I wouldnt received notification of the debt. I wouldve had the opportunity to Dispute it and verify it but being my account. I was not given that fair collection opportunity and because of it. My credit is being ruined. I have been denied housing, and my job is at stake. I would like this debt removed and verified from my credit report. This company never sent me notice. I called them about another account I actually have and never got notice on as well and two months later. They billed this collection to my credit report. NO NOTICE or verification of debt. They never requested payment or anything. They are very rude and nonchalant when I call their office. I have asked for verification I also filed a Dispute w/credit bureau. Still no verification or update. This derogatory reporting from this collection agency is invalid. I did not take out this big loan a year or two years ago. I would really like to see this handled properly and being removed before causing anymore damage to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Flagstar Bank, N.A.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX and XXXX XXXX We have our home loan with your bank ( # XXXX ) and we recently had some significant water damage in our kitchen. We have been without a usable kitchen for over two months as we have worked to repair damage and line up contractors. After A LOT of work, XXXX our insurance company finally processed the claim. 

When I call Flagstar I am literally unable to get through to your " Property Claim Center '' -- I suspect this might be an outside vendor that you use? 
The phone tree gave me an inaudible access code that is needed to use the website. There is NO information anywhere about who XXXX should make the check out to ( Flagstar Bank? XXXX who services the mortgage? ) I have called Flagstar no fewer than 5 times this morning and been transferred to the mortgage department three times. All three times I have asked for a manager. In all three cases, the person told me they would transfer me to property, and they did, which resulted in a 30+ minute hold time when I was unable ( each time ) to get on the phone with a live person. I have been working at this since XXXXXXXX XXXX  this morning MT ( it is now XXXXXXXX XXXX MT ). 

I am literally UNABLE to submit the check for the property claim or the supporting documentation as required due to their exceptionally poor service and phone tree. 

Sincerely, 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 2017-08-28
Company: EQUIFAX, INC.
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:
I am still disputing this debt that you stated is VERIED but did not confirm that it is VALIDATED, I contacted the original creditor who was unable to validate this credit account was mine. I am responding in a timely matter to your attempt to validate this debt because I still consider this debt as '' still in dispute ''. I would like documentation to clear up my reasons for disputing this debt ( agreement that bears signature of the alleged debt, complete payment history on the account to prove the debt being collected is correct, etc ). In addition, you must also be aware that until you validate this debt, you can not continue to report this information on my credit report as that is non- compliance with FTC . Accounts- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- reporting twice XXXX XXXX XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: Experian Information Solutions Inc.
State: NC
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:
Second request : I submitted a request for collection agency XXXX XXXX, who says the are collection on XXXX XXXX XXXX. I looked up XXXX XXXX XXXX it shows the location for XXXX XXXX. I contacted XXXX XXXX spoke to regular billing and Physician billing and they are not aware of this company. I asked the Physician billing to look for this amount for {$220.00}. The representative could n't locate it and again gave me collection agencies they used and said XXXX XXXX is not one. I am asking again this account be removed from all 3 credit bureaus. Also I signed a HIPPA and this account should have never been sent to collection, when I was never contacted about this account nor balance. This is hurting my credit score and I would like this removed.

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 2017-08-28
Company: National Credit Adjusters, LLC
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX : I attained a line of credit loan through XXXX XXXX XXXX. The representative assured me that it was different from a payday loan. I asked specific questions regarding payments..ie " When will it be paid off by making the monthly payment '' I was told by XX/XX/XXXX. I asked about interest rates and was told they were not nearly as high, compared to payday loans. The gentleman was charismatic and lead me to believe the lie. I made 4 payments of around {$200.00} a month. In XXXX I looked at my account and noticed the balance was going up. I contacted XXXX XXXX XXXX and was informed of the 246 % interest rate. I was livid given the original conversation lead me to believe otherwise. I asked the representative to please listen to the recorded message in XX/XX/XXXX. Was told there was no need, since I signed the contract. I told them that they had received enough of my money and practiced predatory and illegal methods to attain the loan account and would not pay them anymore, until they would listen to the recorded phone conversation. They repeatedly attempted contact me and I refused to talk to them. 

Today XX/XX/XXXX : I received a phone call from National Credit Adjusters attempting to collect a debt from XXXX XXXX, I explained my history with them and told the representative that I will contact XXXX XXXX directly to get something resolved. 

I contacted XXXX XXXX and spoke with XXXX. I went through the entire story ( explained above ) and requested once again to listen to the conversation in XXXX Again, I was told that they would n't because they have a signed contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Maximus Education, LLC dba Aidvantage
State: MD
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:
Account Number - XXXX1 Service Provider - aidVantage I requested a refund for three one-time payments I made and have not received a straight answer from AidVantage. 

Refunds Requested total to around {$12000.00}. 

I requested a refund for the three payments below : XX/XX/2020 - {$4500.00} XX/XX/2020 - {$3700.00} XXXX {$2400.00} I was told they couldn't find the payments and so I couldnt be refunded. They told me to call my old provider ( fedloan ) who then told me to call back AidVantage since they received all the loan information. 

Now when I try to call AidVantage, each time I call they hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2019-08-06
Company: PNC Bank N.A.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
PNC bank advertised a {$200.00} sign up bonus with direct deposits totalling over {$2000.00} within 60 days of account opening and at least 10 debit card transactions. I met both of these requirements and was not credited my bonus. I contacted support and was not credited my bonus and given totally incoherent responses. I believe this bank is engaging in fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5700.00}, {$4000.00}, {$700.00}, {$3000.00}, {$3000.00}, {$4000.00}, {$1000.00}, {$3500.00}, {$100.00}, {$10000.00}, {$21000.00}, {$7500.00}, {$9000.00}, {$360.00}, {$3400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ). 

- ACCOUNTS - 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5700.00} -This is not my account. 

2. XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$700.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

6. XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

7. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

8. XXXX XX/XX/XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3500.00} -This is not my account. 

9. XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$100.00} -This is not my account. 

10. XXXX XX/XX/XXXXwith ACCT # XXXX opened onXX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a credit limit of {$21000.00} -This is not my account. 

12. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

13. XXXX XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

XXXX XXXX 14. XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$360.00} -This is not my account. 

15. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3400.00} -This is not my account.

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 2022-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia To : XXXX XXXX  XXXX  XXXX XXXX for XXXX XXXX XXXX XXXX : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 
2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and CAPITAL ONE BANK USA N.A is authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for XXXX damages. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. If you lack understanding of this paperwork, forward to your ATTORNEY. 





By : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: MD
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 sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2015 a collection account appeared on my credit reports from RENTDEBT AUTOMATED COLLECTIONS for a supposed debt of {$480.00} to XXXX   XXXX  XXXX  XXXX XXXX. This is a case of identity theft.

Company response to consumer: Closed with explanation