BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-03
Company: Seattle Service Bureau, Inc
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
COMPLAINT Now comes, XXXX in consumer capacity filing a complaint against debt collection agency National Service, an XXXX agency licensed to collect debts in the state of XXXX from the state of XXXX ; In XXXX, I checked my credit report and discovered National Service tradename on my credit file as a closed account and disputed the account with all three credit bureaus ; On XXXX XXXX, XXXX I received my credit report update from initial dispute, and National Service was update to XXXX and XXXX credit bureaus as a verified account ; National Service placed their tradename on my file in XX/XX/XXXX ; and date last reported XX/XX/XXXX ; For the record, there is no evidence of a contractual liability ; expressed or implied tacit agreement with National Service and XXXX ; I have never received any validation letter from National Service prior to their tradename on my credit file in XX/XX/XXXX ; and allegedly verifying the debt as valid to Equifax and Experian ; This conduct is a direct violation of 15 USC 1692g ( a ) ; ( b ) Validation of debts ; ORC XXXX, and XXXX vs XXXX Case No. 2:14-CV-0054 ( S.D. Ohio XX/XX/XXXX ) This conduct is a direct violation of 15 USC 1692e ( 10 ) ; ( 2 ) ( a ) false and misleading representation ; ORC 1321.45 ( G ) ; XXXX v. XXXX, 970 F.2d 1516, ( 6th Cir.1992 ). 

This conduct is defaming my character without proof of claim of a valid honest contractual agreement in writing In accordance with ORC 1335.05 XXXX Statutes of Frauds ; XXXX., XXXX. v. XXXX., Slip Opinion No. XXXX ; This Conduct violates 15 USC 1681g disclosures to consumers FCRA by not properly validating the debt to me after initial dispute in XXXX XXXX, XXXX ; and falsely misleading credit bureaus with inaccurate information ; I am being denied credit do to the fact of National Services ' actions, and If their tradename is not deleted off my credit file ; I will filing civilly seeking punitive damages in accordance with United States Court of Appeals, Fifth Circuit, Case No. 91-7142, XXXX vs. XXXX, XX/XX/XXXX ;

Company response to consumer: Closed
Consumer complaint received 2016-07-22
Company: SYNCHRONY FINANCIAL
State: AL
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:
A boyfriend of mine left me. I am a XXXX and he took everything that he owned while I was on the road. Now I have a debt collector and Ashley Furniture calling, harassing, and threatening me on a continuous basis as if I purchased this furniture from them. I have talked to them numerous times and advised them of this but they continue to call and harass me. I want the calls to stop immediately. I do not have a debt with them and have never signed a contract with them. Their issue is not with me and I find it ridiculous that I am being held responsible for this. I also find it asinine that they can contact me because of word of mouth from him. They have threatened to lock me up twice. How can a company get away get away with such blatant disregard for proper placement of responsibility. They have told me that they are going to advise him to have me locked up for his debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The debt is past the statue of limitations and its also older then 7 years. I have disputed and asked for it to come off all the credit reports and somehow it has stayed on. its over 7 years old.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Been speaking to XXXX XXXX from Wells Fargo home mortgage. Had left numerous calls to make a payment prior to XXXX XXXX to make a payment, no return calls, received and spoke to the rep who stated she could still take the payments although Wells Fargo had me locked out. Advised I would be making payments the following week. 
On Monday XXXX XXXX, 2016 a rep from Wells left a notice on my door in which I called the number and it was for a payment. XXXX XXXX then called, while speaking to Her she had advised that Wells Fargo had submitted back in XXXX an inspection on the property. Mind you at that time I was n't even 2 months down and there already beginning the wheels rolling with foreclosure and went into explain what I had gone through for 5 years with Wells Fargo and the errors. 
I advised that if Wells was going to start foreclosure already without helping to see what happened with the title company and the calls to me telling me I had to resign my documents 6 months later to send me short sale and deed in lieu documents. 
I proceeded to tell XXXX XXXX that she really had no empathy for the position she worked. She really had the nerve to tell me why should she have empathy with me since im telling her what im doing. 
WELL LETS SEE MAYBE IF SHE WOULD HAVE RETURNED MY CALLS I COULD HAVE MADE A PAYMENT PRIOR TO XXXX XXXX AND NOT BE BACK WHERE I WAS 5 YEARS AGO. 
MAYBE IF SHE CARED A BIT ABOUT PEOPLE AND THERE HOMES AND INVESTIGATED MY CASE PROPERLY I WOULDNT BE BEING FORCED OUT YET AGAIN! 
Its apauling that Wells Fargo have people there that scream and yell. Not her. And This rep., mocking me and the whole process. 
Due to her mocking me and my situation I have asked for a new customer service representative that is n't rude, that does n't mock. 
I AM ALSO DEMANDING THAT THE PHONE CALLS BE REVIEWED AND LISTENED TO AND I WANT WELLS FARGO TO CLEARLY TELL ME THIS IS HOW THERE STAFF SHOULD TREAT PEOPLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Over the course of the last two months, I have received XXXX department store credit cards in the mail for which I have accounts with but the names on the cards were not mine. Perhaps coincidentally both department stores ( JC Penny and XXXX ) are now serviced by Synchrony Bank. After speaking with Synchrony, they indicated someone tried to charge amounts on my card utilizing my SSN but the 'system ' rejected the charges and the account ( JC Penny ) was put on hold in early XXXX 2016 unbeknownst to me. I have been a victim of identity theft for over twenty years and continue to be amazed how easy it appears to be to obtain credit utilizing a name that does not match a SSN given all the new rules and requirements put in place. I asked Synchrony if they have had a recent data breach in which my account numbers and SSN were compromised and at that point the individual stopped providing information/insight. I would like to know the following 1 ) did Synchrony have a data breach recently, 2 ) how they let someone other than myself to approve adding a name to my account and 3 ) why the individual that requested the additional card is not being prosecuted for Credit Card fraud.

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 2017-03-14
Company: BARCLAYS BANK DELAWARE
State: TN
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I am a XXXX veteran, I do n't expect any special treatment for that but I want to let both you and anyone else know who may have a Barclaycard account or may be considering it just how they are. I have attached a history sheet with my own personal encounters with this company and I hope you provide some way to download it. Long story short I have been with this company since XX/XX/XXXX I started out with a XXXX credit line it was increased in XX/XX/XXXX to XXXX this only lasted 9 short months at which time in XX/XX/XXXX this line of credit was decreased after the card was paid in full to XXXX this affected my credit score they could not provide me with any reasonable for this action from the period XX/XX/XXXX thru XX/XX/XXXX they received a total of XXXX in payments from me. Again in XX/XX/XXXX the credit line was reduced now to XXXX and again after talking with them they were not able to provide me with a logical explination. This action again affected my credit score. They referred to XXXX Report as to their reasons my report reflects a XXXX score with XXXX accounts all on time payments and XXXX of them are paid in full.??? also my min payment due this month was XXXX they received a XXXX payment processed thru my bank on XXXX as instructed by me this is within their billing cycle but they are still insisting that the minimum payment is still due so this is not the first time this has occurred either can you see a pattern I can. These people should not be able to operate this way and get away with it if myself and my fellow veterans acted this way XXXX. I do n't know if you can do anything but I can hope you get a better resouloution than I did

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: BMW Financial Services NA, LLC
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I received two thirty day lates on all XXXX of my credit reports back in XXXX XXXX, and XXXX XXXX, from BMW Financial Services. I have been trying for almost a year to get these lates off my credit reports, because the payments were made on time, and I have documentation to prove they were paid on time. I have sent this information to BMW and to the XXXX credit bureaus as well. BMW has insisted these payments were late, but they have never shown me any proof, they received them late, even with the supporting documentation. My bank has informed me, that it was likely BMW received the payments on time, because the payments were made via electronic transfer. Because BMW has not shown any proof of the EXACT date they received the payments I believe the information they are providing the credit bureaus is Questionable or Possibly Inaccurate and should be removed from my credit reports. BMW has received many Goodwill letters from me, but has been totally uncooperative in all respects. I have even had automatic payments drafted from my bank since these incidences have occurred, but they have refused every attempt I have made to correct the situation, even though the payments were not made late to begin with. I have nver been late with any payment in my life, and I believe BMW 's late are giving a totally false representation of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: American Settlement Funding, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I completed a structured settlement sale/deal in 2020 with XXXX. I was selling my future payments for {$110000.00} but I received an offer not too long before the court said those payments were worth up to {$400000.00}. I told my IPA and he said if that is true we should not move forward. We notified XXXX we will not go to court until we figured out that the offers are legit. I shopped around and the offers ended up being real. Court ended up coming up and XXXX somehow got the deal approved without me and my IPA being at court. They promised they were going to make the deal higher but ended up ghosting up and just funding the rest of the money. My IPA believes this was an act of fraud and I have a case. He wants to help but says he can't represent cause he would be a witness. I did two deals before XXXX that went great. I would like to get that deal voided and sue XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Received an email from Bank Of America on XX/XX/2022 stating applied for a credit card. I looked up the phone numberXXXX that was listed in the email and many sites said it was a fraudulent number. I ignored it. I received the credit card on XX/XX/2022. I called Bank of America today at XXXX to cancel. They said a request was made to send another card to Kansas. I live in Louisiana. They said they did not send a card to Kansas, they knew something was wrong. I looked at my credit report online and it does not show I applied for a credit card. The guy I spoke to at Bank of America said that people will add negative information about phone numbers so people will think its a scam.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-22
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Other financial service
Sub-product: Check cashing
Issue: Customer service/Customer relations

Complaint:
The cashier named XXXX XXXX, working in the Check 'n Go store located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, took my driver 's license and social security number, and input the numbers into the company computer system before telling me how much they were going to charge me to cash a {$500.00} insurance check. When I asked her why she did not tell me the fee amount before taking my personal identifying numbers she flew off the handle. She shoved the check back at me and tapped the keyboard once or twice and angrily said, " there now you 're info is deleted ''. I took out my phone to video the conversation and she yelled at me that it was illegal to video her and she threatened to call the police reaching for the panic button and picking up the phone. This woman is extremly rude and does not need to be working with the public. My greater concern is that this company now has my personal identifying information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: CAVALRY INVESTMENTS, LLC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
i have just received a copy of my credit report, it states that I had a judgment against me in XX/XX/2014. I do not know how I got this judgement against me as I was never given a notice to appear in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: CAVALRY INVESTMENTS, LLC
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Cavalry Portfolio is reporting to the credit bureaus that I have a paid collection with them that is in conjunction with XXXX from 2011. I contacted XXXX regarding this information and was told that my account with them had been sold to XXXX XXXX, therefore, it is not possible that the Cavalry account is mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-01
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Tried to resolve problem with the company. Company refuses to assist. Contact local precinct for assistance. Local precinct, provided steps to follow to have issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I called Synchrony Bank on numerous occasions and they disconnected me on numerous occasions when I was trying to understand why they were charging me so much interest. I asked what I owed without finance charges and they stated {$2500.00} which I paid. I pay on line Each month automatically and paid more than required each month. They told me I had two different promotions but the statement I received stated promotion ends XX/XX/22, so I paid it off. They are charging me over {$900.00} in interest. I told them I disputed that and they told me I had to write to bank. I asked who to address it to and they said they had no name, just gave me address and said it would get resolved. I wrote them a month ago and have not heard anything. The statement is very misleading. I have excellent credit and have always paid them on time. When I called again on XXXX, I was disconnected again two times. I feel I should have a XXXX  balance. They told me I was paid up and not being charged interest but statement reflects I owe {$900.00}. Please help me resolve this very unfair problem.

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 2016-08-18
Company: CITIBANK, N.A.
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I contacted customer service via phone to inquire about a promotion of getting XXXX XXXX miles upon opening the Citi Gold checking and meeting certain requirements. They told me I would qualify so I signed up online. After my account was opened and I received all my documents I sent a secure message asking about the promotion on my Citi Gold checking account. There was a promotion for XXXX XXXX miles or XXXX thank you points and I thought I signed up for the thank you points so I wanted to clarify with an agent. The agent replied via secure message that it was n't the XXXX TYP points that was attached to my account but the XXXX XXXX miles promotion was attached to my account. So, I continued to meet all the requirements set forth in the message the agent sent me and I never got the miles. Now when I inquire about it, they say I was n't meant to get it. They mislead me into signing up for their account with an offer they withdrew.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-25
Company: I.Q. DATA INTERNATIONAL, INC.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX is my original debtor. The staff repeatedly failed to respond to my request to fix XXXX leaking ventilation systems, XXXX in each bedroom, flooding on the carpet as a result of the leaking, and resulting mold problem all over the XXXX bedroom walls. 

The flooding was so bad that we could n't walk in the rooms without shoes on. The area around the ventilators was all soaking in brown water, which was slowly draining to the rest of the rooms. This resulted in mold around the systems and on the walls. I have really bad pictures to show for this. 

The maintenance man came to the apartment once, cleaned the walls with bleach and promised to come back the following day to drain the clogged up system. Inside the ventilation was rotting cotton wool-like material floating in rusty, corroded water that was slowly draining all over the carpet. He never showed up again to do the followup cleaning. 

After a week or XXXX, the mold was back on. I wrote to the office informing them that the maintenance man did n't resolve the issue. Nobody responded to me. I later found out that this molding/flooding issue has been an ongoing problem at the XXXX XXXX apartments. 

Considering that the complex has a policy that does n't allow potential renters to survey the apartment prior to signing on, I had no ability to observe detectable problems prior to signing the lease. 

Compounding to my complaints was the fact that despite being assured that the building was smoke-free, nothing was done to address the fact that my upstairs neighbors were not only smoking out in the balcony but dropping their cigarette butts on my porch. 

Unfortunately my daughter and I suffered XXXX problems, more so my daughter who has been treated for XXXX issues. I could n't stay there any longer. This debt is completely out of the negligence of XXXX XXXX XXXX XXXX XXXX XXXX to maintain a habitable place for tenants.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: Legal Recovery Law Offices, Inc
State: CA
Product: Credit card
Issue: Other

Complaint:
I am a permanently XXXX XXXX year old man. XXXX. I have been in and out of hospitals for 8 years, XXXX lost my house, and lived in a friend 's garage. I have survived on my $ 1800/mos XXXX ( which I am trying work my way off of ). I am trying to correct/negotiate items on my credit report. I have had good success at settling most accounts. However, Legal Recovery Offices ( LRO ) at XXXX XXXX XXXX XXXX, XXXX XXXX, CA has been unscrupulous and told me tough luck. I had originally contacted XXXX XXXX ( account number ******************* ) credit card. I contacted XXXX XXXX and spoke to XXXX at XXXX ( ext XXXX ) who advised I ask LRO to return the account to XXXX XXXX. LRO said no. They garnished my government benefit account funds. I filed a claim of exemption which was granted ( XXXX Court of California case number XXXX ). During that process XXXX XXXX XXXX XXXX XXXX XXXX XXXX advised me that the proof of service represented to the court when the granted a judgement was returned. I was not served and had no chance to defend myself. XXXX I am trying to correct my credit, which was always high. The cruel words from LRO attorney XXXX XXXX that he " did n't care '' were shocking and inhumane. I seek the same treatment from LRO as the other creditors I 've been working with. They refuse to discuss a payment plan and, as XXXX XXXX said, expect to collect every penny of my original debt plus the near XXXX fees and interest they have added on. He hung up on me. I did n't choose to get so sick and lost everything, house, savings, etc. Please advise me how to deal with this cruel unscrupulous company. Thanks for your valuable time.

Company response to consumer: Closed with explanation