BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-22
Company: Cohen McNeile & Pappas, PC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I went onto the court docket to confirm a court appearance for a unrelated speeding ticket when I became aware that this Law Firm had filed a lawsuit. When I obtained a copy of the Return of Service, it said I had been personally served with the documents on a date and time that was not true. I was at work during this time and my home security videos dont show anyone attempting service. I contacted the Law Firm and XXXX XXXX XXXX to inform them that I had never been personally served and explained that the process server had lied on the Return of Service. A couple of weeks later, this Law Firm then filed an Amended Return of Service with the same incorrect date and time of service only changing the signing date so that it could meet the 14 days before hearing requirement. Again, I was never personally served. Under Colorado Simplified Procedure, service must be made 14 days before the hearing date and service must be done in person. I contacted the Law Firm and XXXX XXXX XXXX again explaining that I had not been served and that this was the second time they provided false information under perjury. Now I wonder how many default judgments has this Law Firm obtained by lying about service and people have no clue a lawsuit even exists. I have been professional with both companies and requested that this false information be corrected. To date, there has not been a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Made a one time to payment to clear the balance with a capital one credit card. My husband is XXXX XXXX military and we Had to relocate due to the military forcing me to be on leave without pay for about 6 months. I made the payment to the card and it cleared as agreed but capital one refuses to update my credit report showing the account as paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: Hauge Associates, Inc.
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After checking my credit report, I see there is an alleged {$4.00} debt collection from XXXX XXXX XXXX. However, XXXX XXXX XXXX actually owes me {$5.00} as I overpaid last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: Comerica
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I bank at Comerica in XXXX, TX. I have a Home Equity Line of Credit along with a linked checking account.

I made a payment to my loan from my checking account on XX/XX/XXXX in the amount of {$150.00}. On XX/XX/XXXX an autopay posted to my loan in the amount of {$100.00} overdrawing my checking account. I was not aware that this autopay was still in place, as it was left over from a loan I had paid off in XX/XX/XXXX. I was then charged a {$26.00} overdraft fee on XX/XX/XXXX and less than a week later, charged a {$6.00} overdraft fee.

I called Customer Service on XX/XX/XXXX and asked XXXX to cancel the autopay and credit the overdraft charges, as it was the autopay that overdrew my account. Apparently, it is not easy to cancel an autopay at Comerica. He gave me a provisional credit and put a form, called an ACH Written Statement of Unauthorized Debit, in the mail for me to sign.

When the form didn't arrive after a week, I called Comerica yet again, on XX/XX/XXXX. This time the banker, XXXX, was able to cancel the autopay. When looking at my account a couple of days later, I saw that I had been charged a {$34.00} fee for the autopay cancellation.

I called Customer Service, again, on XX/XX/XXXX and after confirming with XXXX, the first banker who answered, that Comerica charges a {$34.00} fee for autopay cancellation, I asked to speak to a supervisor. XXXX came on the phone and confirmed again that there is a {$34.00} fee that she could not credit. After much discussion back and forth, she asked if I would like for her to give me a one-time courtesy credit.

Is it even legal for a bank to be able to help themselves to one 's money like this. Nowhere did I get a notice that there would be {$34.00} cancellation fee, either verbally, written or online. Neither was there a notice in the ACH Written Statement of Unauthorized Debit form, which I eventually received.

Each time I called Customer Service, I waited a minimum of 45 minutes on hold for someone to answer. And after a banker answered, each conversation was a minimum of 30 minutes. Why should my precious time be wasted on trifling jobs that could be solved in 5 minutes. Comerica created the problem and then charge me for it.

I find it very troublesome to have had to call Comerica Customer Service so many times. It is an unprecedented lack of service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-22
Company: EQUIFAX, INC.
State: PA
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX 's XXXX XXXX at XXXX id # XXXX called my employer on multiple occasions after being told to stop, ex employers, ex husband, his mew wife, my choldren, family, coworkers, people i dont associate with, EVEN after being told by them to stop contacting them, they continue, my employer wrote me up for this and they wont stop

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 2022-02-17
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
To Whom it May Concern, The repeated telephone calls are not from Grant & Weber Inc. to me, they are from me to Grant & Weber. I have tried MULTIPLE times to call and nobody ever picks up the phone. I have left MULTIPLE voicemails and a call has yet to be returned. These calls have taken place almost daily for XXXX weeks. 

I do not recognize the collection that they are reporting and need more information, but it is impossible to contact them. I feel that they are in violation of the Fair Debt Collection Practices Act by not allowing communication.

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 2017-12-29
Company: Experian Information Solutions Inc.
State: PA
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:
A 90 days late payment from XXXX XXXX XXXX XXXX has been posted to my credit report from Experian.  XXXX insisted that they did not provide Experian with any late payment and such information is incorrect.Several calls and letters written to Experian have not been returned, and no resolution to this issue has been reached.Experian needs to remove the 3 months (90 days) late payment from XXXX XXXX on my credit report

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 2017-07-11
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I opened Santander Simply Right Checking account # XXXX on XX/XX/XXXX. <P/>There was a promotional offer for a {$150.00} bonus for making a {$500.00} direct deposit within 90 days and keeping the account open for 90 days. I met those terms. <P/>I was denied the bonus in a letter from Santander on XX/XX/XXXX, citing that I had closed a previous account on XX/XX/XXXX, and that the terms of the offer said I was not eligible because I was " an account owner within the last 12 months of the new account opening. '' That is not what the offer terms were, however. They stated : " Offer is not available to current or former Santander customers who opened a Santander checking account between XX/XX/XXXX - XX/XX/XXXX. '' I did not open an account in that time period. <P/>I expressed this to Santander customer service in secure messages and via phone to no avail, and spoke with the Corporate Compliant Manger over the phone a few weeks ago and did n't hear back. They say that the offer was not eligible to anyone who had an account within the past year of opening a new one, but the actual offer terms clearly and plainly say only those who " opened '' one in that time period were ineligible.

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 2020-09-15
Company: Texas Guaranteed
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
A company Called Texas Guaranteed, later renamed Trellis Company sued me in the wrong jurisdiction, the state of Texas, and I have never even been to Texas. I live in New York. They started garnishing my wages while I was working at XXXX XXXX and that was how I learned they were suing me, they didn't even sue me first to obtain a judgment, they just started garnishing my wages. They also added over {$2000.00} onto my loan. I spoke to the federal government in XXXX and was told I had no federal student loans, they were all private. How did these 2 loans suddenly become federal loans? I was forced to pay {$130.00} per month to Texas Guaranteed, now known as Trellis in exchange for them to stop garnishing my wages, which they were taking over {$200.00} a paycheck as a garnishment. I told them several time they were suing me in the wrong jurisdiction and that it was illegal but they did not care and stated they could get away with it. NSLDS states the total borrowed on one of the loans was {$2900.00} & with an outstanding principal as of XX/XX/XXXX of {$2300.00}. The second loan states the total borrowed was {$11000.00} and the outstanding principal as of XX/XX/XXXX was {$9100.00}. The loan was also for some reason put in forbearance without me knowing or being told on XX/XX/XXXX. I will attach documents but Texas Guaranteed now known as Trellis added on fees, sued me in the wrong jurisdiction, started illegally garnishing my wages to force me into a payment plan from the wrong jurisdiction and added on thousands of dollars in fees to my loans. I had to switch the loan to another service provider because they were not providing me tax forms for the IRS so I could do my taxes and I have need them held accountable for their actions. I would like the loans to be wiped out and the fees taken back and to refunded for the payments I was forced to make to this company as a result of my wages being garnished and me being sued in the wrong jurisdiction. I need them to be held criminally accountable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Called Company on XX/XX/XXXX to because my vehicle should already be paid in full. Pursiung to my credit contract as the holder of this consumer credit contract, as the debtor I am now asserting my rights ( Title XXXX ). The contract was paid in full at the time of signing with a negotiable instrument ( Contract / Promissory Note ) with my signature. The contract is fraud because there should be no monthly payment due. In XXXX, XXXX took our ability to pay away with physical money. Banks, dealerships are not supposed to be paid more than once and they were paid after signing in full. 

Per XXXX XXXX XXXX, I have the right to exercise my right and can not be discriminated against. 

Other violations on my contract show as follows ; There is no heading for the method determined the finance charge. There is also supposed to be a form for recission and instead it just shows a return policy. According to XXXX XXXX XXXX The creditor shall make the disclosures required by this subpart clearly and conspicuously. ( ii ). 

There is also supposed to be a notice within the form stating as follows : XXXX CFR XXXX NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

Moreover, I also mentioned with the representative that XXXX XXXX XXXX XXXX States this code gives us the power to use negotiable instruments as payment for a credit sale transaction. Please see as follows : XXXX XXXX XXXX XXXX - Obligation or other security of the United States defined. The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States. 

I am well aware of my rights and I understand my promissory note was accepted, they now become the holder in due course and are liable for carrying out the order, this includes negotiable instruments. 

ALso my paperwork shows Navy Federal as the lein holder however the Secretary of state shows they are not. I am aware that the XXXX is a private business and their records are incorrect. 

Lastly I would like to add the term " Finance Charge '' does not mean loan. Under regulation Z act, the bank can not loan money and can not loan credit ( XXXX XXXX XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted XXXX XXXX XXXX XXXX in reference to this account. I requested validation for this account I never received it. I also have no contract with XXXX XXXX for this alleged debt. I called them and the representative stated that she couldn't speak with me because this account was marked that I had a social security lawyer. I advised her I never said I had a social security lawyer. She refused to speak with me concerning my request for validation. I never received anything from XXXX XXXX in regards to this account. This was a XXXX  XXXX account and the information that I received from XXXX XXXX doesn't have XXXX XXXX anywhere on it. I didn't find out about this being on my credit file until I check to see what was on my report. I have requested Validation and an Assignment of Debt from XXXX XXXX XXXX and I haven't received anything.

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 2022-08-10
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I had an account with XXXX XXXX which was opened in XXXX or XXXX. I defaulted on the payments in XXXX or XXXX. The account has apparently been sold to a collection company, ERC, without my knowledge. No one has ever reached out to me in reference to the old account, and now I see that it has shown up on my credit report with new activity in XX/XX/XXXX. That is inaccurate and I would like it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My student loans were locked in a low interest rate. Navient convinced me to reconsolidate my loans in order to get them in good standing. I hadn't been able to make any payments on them so my loan was in default. Now, 6 years later, the interest on my loan has increased the total amount do by {$15000.00}. I was not aware of the change of interest rate associated with the loan consolidation they talked me into. This is making it so I will never be able to pay off the loan and will continue to owe more money from the inflated interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
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:
XXXX violations : not mine : see attachments XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Address ID # XXXX Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Address ID # XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX ID # XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX TX, XXXX Address ID XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX TX, XXXX Address ID # XXXX XXXX family XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TX, XXXX Address ID # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX TX, XXXX Address ID XXXX XXXX XXXX XXXX wrong names : XXXX XXXX XXXX XXXX ID # XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX violations : not mine : see attachments XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Address ID # XXXX Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Address ID # XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX ID # XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX TX, XXXX Address ID XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX TX, XXXX Address ID # XXXX XXXX family XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX, XXXX Address ID XXXX XXXX XXXX XXXX wrong names : XXXX XXXX XXXX XXXX ID # 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 explanation
Consumer complaint received 2017-07-11
Company: BARCLAYS BANK DELAWARE
State: NY
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:
On XXXX XXXX, my Barclaycard Arrival Plus credit card was stolen and I had {$970.00} fraudulent charges on my account, with a few thousand more charges declined by the bank. I initiated contact with the bank immediately after I saw the fraud alert message received on my phone, confirming through texting that I did n't perform those transactions. I was told by a customer associate that I would not be responsible for all fraudulent charges. However, after I week, I received a call from the Fraud Detection Department telling me that because those charges were cash advances so they would not reimburse me for those charges.
<P/>
Even though with my police report and other supporting documents proving that those transactions were fraudulent, the bank refused to offer me help and instead put those charges with fees and interests on my account, totalling {$1000.00}. I have made contact with Barclaycard Fraud Detection Department several times without further progress. One supervisor called XXXX initially promised to get back to me within the same day on XXXX XXXX. However, despite calling him leaving messages multiple times to initiate discussion and figure out the reason for rejection, the supervisor never called me back!
<P/>
According to the information provided by Federal Trade Commission, under Fair Credit Billing Act, my liability as a customer for unauthorized use of my credit card tops out at {$50.00}. However, Barclaycard refused to accept my evidence of fraud, and follow the federal law to take those fraud charges out of my account. Their process of dealing billing dispute is also flawed and unfriendly. Not only that I received conflicting information from their customer associates via phone, I was also not treated with respect - the supervisor never responded to my message. Furthermore, the zip code of their address for sending a claim form is actually incorrect - one staff in the post office told me that they put wrong information on their form. I have completed lost trust in Barclaycard and Barclay Bank Delaware and would like to seek help from federal customer protection agency.

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