BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-21
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a notice from a debt collector and within their time frame, I mailed them a certified letter asking for copies of bills and payments on this account. ( I think the amount they show I owed is incorrect. I also had been making monthly payments on this account and had telephone conversations with this provider that assured me that if I made payments it would not be turned over to collections ). The collection company then sent me an original copy of said hospital bill after insurance paid that does not show any payments that I made on this account. I sent them another certified letter explaining that I did not dispute this bill, I dispute the balance owed. I also want an explanation as to why it was turned over to collection. I had not heard back from them until today when I got another notice in the mail from them stating that unless they hear from me, collection efforts will continue. Send payment in full today! Do I not have a right to this information that I requested? When I made my payment to XXXX online they never showed me a balance. Yet the next monthly bill would come showing an overdue balance of nearly {$300.00}??? My monthly statements also did not show previous payments made. I just want written documentation showing ALL bills on this account and ALL payments received. Why can I not get this information?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
An old civil judgment has been satisfied. I sent the " Removal of Recording '' to the bureau to have the posting removed. Equifax declined stating they need an " Expunction '' statement from a local judge to remove. In Louisiana, expunctions are completed for XXXX Judgments. I explained there is no civil expunction process in place ; furthermore, I was told by the courts that the Removal of Recording statement from the attorney/client was sufficient to have it removed. The Equifax still refuses and is asking for something that can not be produced. Basically, there is nothing they will do to remove the old judgment from my credit report. The Civil Judgment docket number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Berman & Rabin, P.A.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My mother has XXXX, had a XXXX XXXX XXXX XXXX approach in the evening while she was by herself and sundowning and convince her to purchase security items for the house which were already in place under a previous XXXX contract. They did not furnish her with a contract or with any means of contacting the company later on. XXXX XXXX later refused to cancel the service. 

Berman and Rabin is attempting to collect {$2200.00} despite the paperwork they themselves sent to prove the debt stating that there is a balance due of {$1900.00} and my mother having paid {$1300.00}.

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 2022-05-25
Company: Experian Information Solutions Inc.
State: NY
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX, has violated my rights. XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  XXXX XXXX Account # XXXX, has violated my rights. 
Chapter XXXX Bankruptcy XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2015-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
While I was on the phone with a representative of Bank of America, I was attempting to link my credit card to my DDA/Savings online banking profile. The representative, XXXX, requested my social security number, and it was provided. XXXX stated that my social security number only displayed the credit card account. By deductive reasoning, this obviously indicates that my social security number is not contained in Bank of America 's records for my DDA/Savings accounts, which they are required to collect at account opening. They should have this information on file, but have stated that they do not. 

In a separate but additional complaint, I was assessed a {$10.00} overdraft protection transfer fee on XXXX/XXXX/15 but my account did not and would not have had a negative balance had the overdraft protection not been applied. As shown in the provided supporting documentation, with the exclusion of the {$11.00} overdraft protection transfer, my account balances at any point on XXXX/XXXX/15 would have been a positive balance. In addition, making a {$11.00} transfer to cover an overdraft and on the same day assessing a {$10.00} fee, netting " protection '' of just {$1.00} seems quite predatory on consumers, especially considering in this case my account would not have even been overdrawn.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-25
Company: EQUIFAX, INC.
State: NY
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX, has violated my rights. XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 
XXXX  XXXX Bankruptcy XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX, has violated my rights. XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Bankruptcy XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2015-07-08
Company: PNC Bank N.A.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened an account with PNC based on incentives offered by a rep. totaling {$250.00}. I fulfilled the required obligations as outlined by the rep but never received the incentives. I emailed her XXXX times including just after completing the last requirement. I received no response. After several months of no responses I filed a complaint with their corp office. I was told I had not completed all the necessary requirements and that the deadline to do so had lapsed. I pointed out in a response that had the rep responded to my emails I would have had more than enough time to do so even tho I dispute that I had not fulfilled all the requirements. The emails attached clearly show I contacted her approx. 20 days after opening the account which according to them I had 60 days to complete the requirements for the incentive. I would have had ample time to complete any additional requirements they felt I had not met. Again I strongly dispute I had not completed each requirement set forth at the time I agreed to open the account. I also I informed PNC I stopped using the account because of the rep 's and PNC 's refusal to respond to my correspondences.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX had put me on collection for the amount of {$480.00}, in which I called to canceled the services prior moving back in 2011. Paying last month of service and was told that I do not owe anything. Now the account is in collection for quite sometime now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: U.S. BANCORP
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Rec 'd a Visa Debit Card from U. S. Bank ( U. S. Bank ReliaCard ) on XX/XX/2020. 

On XXXX, called U. S. Bank ReliaCard. They said they would put a block on the card number ( XXXX ). I then went to their www site and completed a form stating that I received a unrequested Visa U. S. Bank debit card with someone else 's name ( XXXX XXXX ) at my address. No one by that name ever lived at my address. I want my address removed from their files.

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 2017-08-18
Company: WELLS FARGO & COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
XXXX My electrician deposited my personal check ( # XXXX ) amount of {$4000.00}. The check had a stop payment on it as requested by me as we choose to do the wire transfer instead. The money was taken out from my bank account ( XXXX XXXX XXXX XXXX ). There was a problem with the stop payment. I requested XXXX and they acted immediately to stop the payment. Wells fargo, the beneficiary 's bank reversed the transaction and my electrician ( the beneficiary ) never received the money via this personal check ( # XXXX ). I called XXXX and they said since the transaction went through successfully, so there is nothing they can do to revert. The temporarily gave me provisional credit but reverted back the credit on XXXX. So, in nutshell {$4000.00} was effectively deducted from my account. XXXX My electrician confirmed he never received money from me for that check. I went to my electrician 's office and we called Wells Fargo together and Wells Fargo customer service rep confirmed not giving the money to my electrician. As per Wells Fargo, the money was reversed and it never reached my electrician 's account. Now - Both these banks ( XXXX and Wells Fargo ) do  n't want to help me. My electrician never received the money in his Wells Fargo 's account but the money was taken out from my XXXX account. So both me and my electrician do n't have the money with us. The money just somehow disappeared. I am requesting Wells Fargo to trace the check for me and help me nail down where the money. Thanks

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 2022-08-18
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I signed up for a Venmo credit card during their spend {$1000.00} get {$200.00} promotion. I met all qualifications. {$200.00} was never credited to me. I have called XXXX times. Each time I spent about an hour on the phone. I was told on both occasions that they could see i was compliant with the mandatory requirements to receive that {$200.00} and that it would be credited to the account. This amount has never been credited.

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 2017-08-18
Company: Navient Solutions, LLC.
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:
DISPUTE LETTERS WERE SENT TO NAVIENT FOR {$15000.00}, XXXX XXXX {$110.00}. AND XXXX XX/XX/XXXX AND NAVIENT AND XXXX AGAIN XX/XX/XXXX. NAVIENT AND XXXX XXXX FAILED TO PROVIDE ME WITH PROOF OF REPORT, CONTRACT OR ACCOUNT. INVESTIGATION TO XXXX XX/XX/XXXX REMOVED ITEMS FROM MY REPORT HOWEVER FAILED TO SHOW PROOF OF THE REMAINING ITEMS FROM XXXX XXXX OR NAVIENT WHICH WERE CLAIMED VERIFIED. A SECOND DISPUTE LETTER WAS SUBMITTED XX/XX/XXXX AND THE ITEMS WERE YET UNVERIFIED. VIOLATING 18 US CODE 1962-1964 15USC1692c 805 ( a ) ( b ) 15USC1692e 807 ( 9-10 ) 15USC1692K 812 ( a ) ( 1 ) 15USC1692e 807 ( 12 ) 15USC1692K 813 ( a ) ( 1 ) NAVIENT HAS NOT RESPONDED TO ANY OF MY LETTERS, XXXX XXXX MAY HAVE SENT ME A LETTER SHOWING ME AN ACCOUNT I HAD WITH ANOTHER COMPANY, I AM UNSURE OF HOW XXXX XXXX AND NAVIENT RECEIVED MY INFORMATION AND WHY THEY ARE USING MY INFORMATION TO EXTORT MONEY FROM ME. I AM UNABLE TO ACCESS MY CREDIT DO TO THESE FRAUDULENT AFFAIRS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I had a PNC custodial account set up for my daughter in MY name and hers. My soon to be ex-husband was somehow given information about said account from the branch he banks with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: AES/PHEAA
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am uploading a shortened copy of my last letter of complaint to the Office of Federal Student Aid for the U.S. Department of Education on XX/XX/XXXX -- in order to get it uploaded within the 10MB size limitations. However, all the required documentation should be present for evaluation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-25
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account several times and have received nothing and didn't even know this was on my credit file until I seen it. I do not know nor ever went to this company or did business. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
On XX/XX/XXXX and XX/XX/XXXX, I made two separate purchases on XXXX ( through XXXX ) using my Bank of America ( BofA ) credit card. These transactions were in the amounts of {$530.00} and {$920.00}, respectively, as shown in the attached statement document from XX/XX/XXXX. 

Both of these purchases turned out to be fraudulent listings, as the sellers never shipped the items. On XX/XX/XXXX, I attempted to reach XXXX representatives to get a refund but was unsuccessful in speaking to a human being. As a result, I filed a chargeback claim for each transaction with BofA. 

On XX/XX/XXXX, I was able to speak to an XXXX representative and they agreed to refund both purchases. As a result, I called BofA, spoke to a representative, and had them cancel both claims. The XXXX refunds both posted to my account on XX/XX/XXXX, as shown in the attached screenshot. 

However, on XX/XX/XXXX, BofA posted two fees to my account under the name XXXX XXXX ( XXXX XXXX ), each in the amount of one of the original XXXX transactions, for a total of {$1400.00}. This is shown in the attached activity screenshot. Effectively, I was re-charged the amounts of the two original transactions by BofA. 

On two separate occasions, XX/XX/XXXX and XX/XX/XXXX, I called BofA and spoke to a representative. In each case, I was informed that the balance adjustments were incorrect and that I should see two credits posted to my account, one in each transaction amount, within the next two business days. In each case, this did not happen. 

I do not believe that BofA representatives are able to resolve this issue, as it is likely caused by a bug in their chargeback system. Each representative informed me that there should have been two credits to my account, one for each claim, in the amount of the original transaction. Then, the balance adjustments should have cancelled out those credit when I cancelled the disputes. However, as shown in the attached documents, I never received the credits in the first place. So, in effect, I was charged a total of {$1400.00} by BofA in exchange for no goods or services.

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 2017-03-07
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
In my original dispute regarding Navient, I indicated that I wanted promissory notes and was given one and then my direct loans application. In the response from the company, they indicated I also requested to consolidate a XXXX loan when on the application it clearly states that loan under loans I do not want to consolidate. I still do n't see my promissory notes with totals for what was actually consolidated other than my application which appears to have been processed incorrectly because they notes I consolidated a loan I did not.

Company response to consumer: Closed with explanation