BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XXXX XXXX, XXXX Bank of America took the liberty of withdrawing {$270.00} from my joint checking account that we use to pay monthly bills only, and transferred it into XXXX XXXX XXXX XXXX XXXX my husbands checking account due to a negative balance he had in his account. Subsequently i was charged XXXX {$35.00} overdraft fees as they moved the money that i had in the account to pays bills. The account would of never gone negative if they had not moved the funds, and the fees would not of happened. Again, I had to cure yet another negative balance due to Bank of America 's moving the initial {$270.00}. Since that time I have been charged {$35.00}. for an extended overdrawn fee, on XXXX/XXXX/XXXX i was charged XXXX {$35.00} over draft fees as i have been trying to bring my account current., I have tried to talk with he Bank, but they wont budge, they did return the initial {$270.00}, but refuse to return any of the overdraft fees they said did not have to do that. I filed a complaint with the Attorney Generals office, whom transferred my case over to the XXXX XXXX Massachusetts XXXX XXXX XXXX of Law. The Individual handing my case name is " XXXX '' my claim # XXXX I was informed by XXXX that written notification regarding my complaint had been sent to Bank of America on XXXX XXXX, yet no other contact had been made. I was advised to file a complaint with The XXXX banking commission file # XXXX. 

I feel at this time Bank of America has unfairly charged me {$210.00} in fees. 
Regards. 
XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-06
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Credit card
Issue: Advertising and marketing

Complaint:
I applied online for a credit card with Pentagon Federal Credit Union. I was told in order to " apply '' for this credit card I would have to deposit money into a new account otherwise I would NOT be allowed to apply. 
In the application I was prompted to deposit an amount into a new account to process my application. 
Afterward the application was completed I hit the process button and was '' denied '' a credit card from Pentagon Federal. BUT they never offered to return the money I deposited for the purpose of applying for a credit card. 

Now I have a account I did not want to begin with, and feel this is a VERY DECEPTIVE business practice just to apply for a credit card and then be denied. 
Pentagon Federal should NOT require opening any account unless they " approve '' a credit card application. They should also be forced to refund ALL monies taken by this deceptive practice of denying credit card application in order to solict money to open unwanted accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
What the lady called on the phone I ask who this was she did not reply at first but then gave me her name but didn't give me the company and she work for I ask her again she just gave me the name she did not state that who she was calling on the behalf of what company until I get all my information out or confirm who I was this was very deceitful and I still did not know who I was confirming my information to it make me feel like I was giving my information to a scam artist or something I felt very uncomfortable doing the whole ordeal and I feel like I was being more pressure to pay this debt than ever so I just hung up I thought that when debt collectors call you that have to give you their name and the company name at the collecting for

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-02
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Despite filing a previous CFPB complaint XXXX XXXX XXXX continues to 1. Call me after I revoked consent to do so. 2.  Called me after I told USCB I am represented by an attorney. 3. After I told USCB that if they did call that I did not want to be recorded, but did it anyway. 4. I also told them to not use pre-recorded messages when calling yet they call and leave voicemails with one on my cell phone. I want this harassment and abuse to stop right away and I want USCB to contact my attorney listed below ASAP before the end of the day Monday. 

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I had my XXXX credit report done on me ... .and it turns out that my identity was stolen ( back in XX/XX/XXXX/XX/XX/XXXX ) ... .without my knowing ... .and my information was used to open several accounts. I have file a police report stating the theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-21
Company: EOS Holdings, 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 is not mine

Complaint:
The collector debt company Name EOS/ CCA XXXX I think they are Fake collection agency because they send me the collection notice that I owe money frome XXXX XXXX cable company at the address that I do not live in or have anything to concern about the service XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
the company violated the fair credit reporting act. the company is reporting 3years after the debt originated. this is an blatant attempt to disregard the FCRA and keep it on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: TX
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:
This is the second time that I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
My card was compromised with five fraudulent charges on XX/XX/2020 not limited to- {$510.00}, {$160.00}, {$69.00}, {$70.00}, and {$35.00}. I called Capital One Immediately when I saw the charges the following day, XX/XX/XXXX to address the fraudulent charges and get them removed off of my account. Fast forward to XX/XX/XXXX, I see the fraudulent charges posted back to my account saying that the charges were authorized by me, when they were in fact most definitely not my charges. After calling and asking why the charges were posted, and asking what I can possibly do to get them removed ( since they were not my charges ) again off my account, I was promptly told that nothing could be done ( after nearly two hours of hold time to speak to a representative ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-12
Company: Account Resolution Corporation
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've wrote to all 3 credit bureaus to address some errors i've found on XX/XX/XXXX. As a result of this dispute the information came back verified. In which I totally disagree with. So I followed the steps as directed by XXXX that I could dispute this item directly with the furnisher. So I wrote an letter to Account Resolution Corp requesting to validate this debt they have listed on my credit report. They responded with a print out with vauge information. I asked how can I or anyone determine that this can belong to anyone. I've been scammed before this exact same way! So I sent a follow up letter on XX/XX/XXXX. Please provide this information and what were they methods? So that I may compare them with my records. This company has failed to respond, but continue to report on my credit report as resolved but consumer disputes. 
I am XXXX Veteran. All of my medical needs are handle by XXXX VA Hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: Credit International Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
My wife was made aware of an outstanding debt she owed to XXXX XXXX College. She did not receive any notice and only found out about it when attemtping to request transcripts. The debt is from XXXX and neither the school nor the collection agency have described to us the nature or reason for the outstanding debt. 
The original amount owed was {$370.00} and has escalated up to {$1100.00} due to interest and fees per the collection agency. We have sent a debt vericication letter on XXXX/XXXX/XX/XX/XXXX and are still waiting for a response. 
After talking to them on the phone they offered to settle the debt for {$750.00}, without verifying the debt. Since we just want to take care of this we agreed to meet their settlement for {$750.00} but they absolutely refuse to provide us with a letter or email of verbal agreement describing the settlement. The only explanation they offered is that it is company policy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: EQUIFAX, 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:
Equifax is Reporting a collection Account that Should Not be on my Credit Report. I have contacted them on 2 Occasions & it has not been Removed. I contacted both XXXX & XXXX regarding the same Account from Some debt collection agency that should Not be on my Report & they Promptly removed this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-24
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have made numerous attempts requesting the validation of the debt. I have requested in writing ( since XX/XX/XXXX ) to the collection agency and to the credit bureaus to provide me with a detailed breakdown of what I allegedly owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: Commonwealth Financial Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX was the owner of a prior debt. Five days after I settled this debt the same account was sold to another debt collector. The new debt collector Commonwealth Financial refuses to remove debt from credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt is from 2016. I never heard anything about this from XXXX XXXX Hospital or any other agency until 2016. I called XXXX XXXX Hospital and XXXX XXXX XXXX and neither have any record of the debt and say they do not use this collection agency. I sent a letter to Common Wealth requesting documentation of the debt. They did not respond. They keep reporting it to my Credit report causing damage! I feel blackmailed into paying this just to stop the damage to my credit! Can you help please!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: ARVEST BANK GROUP, INC.
State: AZ
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My loan was sold to Central Mortgage in XXXX of 2014. At that time I requested a due date after the XXXX because the majority of my income comes from XXXX and I have a better sense of what I 'll have in income during the last XXXX weeks of the month. Do I have accrued monthly late charges and unrelenting phone calls outside of normal business hours. The fact that they are aware of the entire situation leaves me perplexed. Please have them stop the harrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please be advised that this is my 3rd time reaching out to Equifax in reference to collection and charge off accounts on my credit report that are not mine. I have sent in a copy of my social security card, ID, and a current bill and they still have not fully and properly investigated into these incorrect debts reporting on my credit report. These negative items are not mine and they are effecting me negatively with purchasing a home and the negative marks are also making me look " risky '' to other lenders. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. I demand the following accounts be properly verified or removed immediately. 

1. XXXX XXXX UNVERIFIED ACCOUNT 2. XXXX XXXX XXXX XXXX UNVERIFIED ACCOUNT 3. XXXX XXXX XXXX XXXX UNVERIFIED ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I gave a personal check to my daughter to cash, she does not have an account with Bank of America, she went to BOA in XXXX NC to cash the check. 
My daughter told me that when they were looking at my account they gave my daughter full view of my account details and she is not on my account and to make matters worse her boyfriend was there and saw my account as well. My daughter said anyone standing behind her could see my account as well on the big screen they had. This is totally a violation of my privacy of my bank information. I do n't think this type of behavior should be not addressed as identity theft is on the rise, etc and I think the bank should be fined.

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 2021-11-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2020 the XXXX XXXX XXXX of Michigan made two deposits to my Bank of America issued debit card for unemployment funds. The 1st {$600.00} payment covered unemployment for XX/XX/2020 and the 2nd {$600.00} payment covered unemployment for XX/XX/2020. The payments were deposited on XX/XX/2020. This is what happens when you are paid retroactively and you have your account on hold for the XXXX they often pay you later. However Bank of America only deposited XXXX of the amounts of {$600.00} to my debit card. The complete ignorance from a previous complaint where I outlined all the same details apparently were lost on Bank of America just like my money was and they kept insisting that I was talking about XXXX deposits in XXXX payments when I was not as you can see from the attached information that they actually sent me back which clearly shows deposits made in XXXX one for {$600.00} BUT ONLY ONE NOT TWO AS THE XXXX SNAPSHOTS SHOW! Michigan XXXX has repeatedly told me both transaction numbers and only one shows up as you can see on the Bank of America statement. There is a second transaction. Bank of America did not apply it to my card. This is been going on for a year and I need the money. The reference number and ACH LOAD on XX/XX/2020 SHOWS {$600.00}! THE XXXX SHOWS 2 ACH LOADS FOR {$600.00} EACH FOR A TOTAL OF {$1200.00}. WHERE IS THE OTHER {$600.00}! 

Bank of America and the cfpb need to stop looking at the XXXX information you need to look at the XXXX information and then XXXX statements and the XXXX deposits and the XXXX XXXX information. 

Can nobody read the information that I'm typing and sending and understand what I'm talking about because it's a very clear and I will not accept any response other than anything to do with XXXX and what happened in XXXX of 2020. Tell me where the other {$600.00} went the deposit was made by the XXXX and they have provided me the proof and they are stating that the Bank of America did not apply the money to my account which clearly B of A that Bank of America sent me is true and only ONE DEPOST SHOWS IN XXXX OF 2020!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I placed a fraud alert on my credit report because my social security information was compromised. Experian failed to ask for my telephone number to verify in case a request for credit was made. I discovered this attempted to correct on the Internet however, Experian wanted to charge me for a report. I finally got through to a generic telephone number. I was told my telephone would be on file in 24 hours. A week later, Friday, XXXX XXXX, XXXX XXXX told me that my file had not been updated with my telephone number so my application could not be processed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-12
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've wrote to all 3 credit bureaus to address some errors i've found on XX/XX/2020. As a result of this dispute the information came back verified. In which I totally disagree with. So I followed the steps as directed by XXXX that I could dispute this item directly with the furnisher. So I wrote an letter to Account Resolution Services requesting to validate this debt they have listed on my credit report. They responded with a print out with vauge information. I asked how can I or anyone determine that this can belong to anyone. I've been scammed before this exact same way! So I sent a follow up letter on XX/XX/20. Please provide this information and what were they methods? So that I may compare them with my records. This company has failed to respond to reinvestigate this matter, but continue to report on my credit report as resolved but consumer disputes. I am XXXX Veteran. All of my medical needs are handle by XXXX VA Hospital.

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 2021-11-12
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The account listed below has been reported and confirmed by the credit collection agencies as result from my identity theft. the account bellow : BARCLAYS BANK DELAWARE Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$1100.00} {$1000.00} keeps on showing on my XXXX report as a delinquency account. I need this account to be removed from mu credit history as it does not belong to me.

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