BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-04
Company: Amsher Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
prior to XX/XX/2018 i had recieved several robo calls from amsher collections then from XXXX XXXX XXXX XXXX. finally after 5/6 times of telling XXXX XXXX not to call me the calls stopped. i did not give them permission to call my cell phone. i did not give permission for amsher collections nor XXXX XXXX to give my personal information to personnel i do not know. 

amsher did not tell me they were putting the alleged debt on my credit report. i disputed the debt and it was not removed. 

Prior to XX/XX/2018, representatives from XXXX XXXX XXXX XXXX has threathen to sue, garnish wages and bank account. 

prior to XX/XX/2018 i tried to make payment to XXXX XXXX but they wanted to charge me a XXXX fee for using my credit card. i called yesterday and made a payment under the condition the collection will be removed from my credit report. the XXXX XXXX representative stated the collection will be removed.. he said i had to call amsher collections amsher collections said they will report to the credit bureas but collection will remain. XXXX XXXX said collection will be taken off. i told amsher i only made payment as a condition of removal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have not opted into Over Draft protection at US Bank. The allowed a transaction to come through and charged me a overdraft paid fee. 

Asked the bank to wave the fee, transferred to a manager Named Mr. XXXX when he got on the phone I heard a one word response of NO before we even started a conversation and they disconnected my call. 

In XXXX of XXXX XXXX of XXXX and XXXX of XXXX the bank did decline that transaction it's an auto pay but they had declined it at those times. 
This time they decided they were going to charge me a fee which they would not waive

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 2020-04-03
Company: First Investors Servicing Corporation, Atlanta, GA Branch
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: Account information incorrect

Complaint:
I entered a payment agreement for Account : XXXX in XXXX of XXXX the company stated that the agreement would make my next payment XX/XX/XXXX. However the date provided was incorrect and the next due date was XX/XX/XXXX, this is after I already paid three payments to make the account current. I request the company to update my account to reflect the payments accurately on XX/XX/XXXX and they directed me to file a CFPB complaint to resolve the issue.

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 2020-07-07
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Equifax has listed my last name as XXXX for over 5 years and refuse to fix it. It is listing the wrong last name with my social security number and date of birth. My correct last name is XXXX. I disputed this at least 3 years ago on the phone and they stated they would take off the wrong last name but they never did. I disputed it again recently and they stated they would contact the third party who supplied the wrong name and get it fixed. I also uploaded my driver 's license and social security card so they could see what my correct last name was. They still haven't fixed my last name yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I tried to purchase a product. The transaction used my debit card to pay for it. The seller never delivered the product and scammed me. I called the same evening to prevent the transaction from going through. I called the bank and XXXX and since it was my bank card XXXX said to pursue with bank. The bank continues to blame XXXX and say the debit card wasnt used. I have tried to call multiple times but the bank refuses to refund the amount of this scam. I have tried the XXXX  and the bank still refuses to make this right. They say the investigation was right however never did they ask for any information from myself about the transaction. That is a pretty one sided investigation when they dont ask for any evidence or information I have to support my case.

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 2020-09-09
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2018-07-31
Company: Protas, Spivok & Collins. LLC
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I spoke with a paralegal at Protas, Spivoc & Collins LLC in reference to a debt that was reported by XXXX XXXX XXXX XXXX. This debt resulted when in XX/XX/XXXX a XX/XX/XXXX XXXX XXXX that was being leased by me was repossessed. The vehicle had 4 months remaining on the lease with a balance of {$1800.00} plus late fees and personal property tax. At that time, the balance to pay the debt was around {$4000.00} On the day that the vehicle was reposessed, I went to the auto tow location where the vehicle was taken and attempted to pay that balance and retrieve the vehicle to return it to XXXX XXXX. XXXX XXXX refused to accept payment, and the vehicle was sold at auction. 

After selling the vehicle, I received a statement from XXXX with a balance due of {$17000.00}. This amount includes balance on lease, property taxes and fees required to repossess and sale the vehicle plus the amount that represents the difference in the value of the car less the amount the vehicle sold for. The lease that I signed with XXXX clearly states the required payment amount due if in default. 

My complaint is that XXXX XXXX has turned this debt over to Protas, Spivoc & Collins but the amount due is in error. I have communicated this information with them and I am getting the run around. I wish to resolve this debt as it is affecting my credt, however I am only willing to pay the actual amount that I owe. 

I spoke with XXXX XXXX at Protas, Spivoc & Collins but I have not been able to resolve this issue.

Company response to consumer: Untimely response
Consumer complaint received 2020-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2018-07-31
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
There were two transactions on XX/XX/XXXX that were noted on my account as pending. When i checked the app even after XXXXXXXX XXXX onXX/XX/XXXX they were still listed as pending. Those 2 charges that were not recurring charges. I do not have overdraft protection. Which i was told on XX/XX/XXXX that they would only pay an item if it is a recurring charge and the others wpuld be rejected. as all of the phone calls are recorded. Chase bank never gave me an option to be able to cover the charge as it was still a pending transaction and not posted. Which they had the option to reject it but they did not instead found a way to charge me an overdraft. One transaction for. XXXX mobile was actually charged to my card on XX/XX/XXXX and was not posted until XX/XX/XXXX. And when i made the charge i had the money in my account. But it did not post until XX/XX/XXXX. But they changed the system on XX/XX/XXXX and said it posted on XX/XX/XXXX. They are illegally taking an overdraft fee for two charges by changing the dates around in their system and falsely saying an item was paid on time. The XXXX XXXX XXXX   charge was scheduled to be paid on the XX/XX/XXXX but was not paid to XXXX XXXX XXXX. They are illegally and falsely charging me and overdraft when they didnt pay on the date the sysytem is saying it paid.which was changed on the XX/XX/XXXX to seem as if they rightfully chargeed me and overdraft fee. On the XX/XX/XXXX all my charges were pending. And on XX/XX/XXXX the system says it was taken out on the XX/XX/XXXX. They are refusing to return my overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-07
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
To whom it may concern : My name is XXXX XXXX XXXX. 
A student loan payment of {$410.00} sent by my employer, The University XXXX XXXX, on my behalf on XX/XX/XXXX, to Pioneer Credit Recovery has not been applied to my student loan account, although the check was cashed over a year. The check was shown to be cashed on XX/XX/XXXX, by Pioneer Credit Recovery. 
I have been having my wages garnished by the XXXX XXXX XXXX for my federal student loans since XX/XX/XXXX, and collected by Pioneer Credit Recovery Inc. 
Pioneer credit Recovery has instructed me that they only process the wage garnishment order, and that all payments are sent directly to The   XXXX XXXX XXXX  of The Department of Education, and that I needed to contact the Wage Garnishment Department of The XXXX XXXX XXXX in order to get information on my loan payments.. 
I was told by Pioneer Credit Recovery to contact The XXXX XXXX   XXXX XXXX XXXX Department of The Department Of Education by calling XXXX - XXXX - XXXX to get information on the missing payment. 
On XX/XX/XXXX, at the request of the XXXX  of the DOE, I mailed the requested copy of the front and back of the check that the University XXXX XXXX deducted from my paycheck and paid on XX/XX/XXXX for my student loan payment, and shown to be cashed on XX/XX/XXXX. The XXXX XXXX XXXX/Wage Garnishment Department stated that they received proof of payment on XX/XX/XXXX. I was told that the payment would be applied to my account within 4 business days, and that I would be sent a corrected XXXX Student Loan Interest Statement.  As of today, XX/XX/XXXX, The XXXX XXXX XXXX still has not credited my account for the payment of {$410.00}, or sent me a XXXX updated and corrected Student Loan Interest Statement, although they have received proof of payment from my employer, in the form of the front and back of the check, and breakdown of when it was cashed. 
I am at a loss on what to do at this point. 
In summary, my goal is to have my student loan payment of {$410.00} credited to my account for XXXX, and to also receive an updated XXXX Student Loan Interest Statement. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 credit Reporting act XXXX Account XXXX XXXX XXXX # 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.

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 2018-03-09
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A collection account just appeared on my credit file, this is unknown and NOT mine. I called this company, gave them my full name and last four of my social and my personal information isn't even in their system. How can this happen. This needs to be removed ASAP

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 2021-03-29
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Incorrect reporting of my name and address on my credit profile. I have sent dispute letters XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX asking for Equifax to remove all the incorrect information per 30 to 45 days guide per FCRA. I am force to submit an complaint and it's causing me to not getting approved for loans and employment to this information being reported incorrectly. 

Incorrect Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX I asked them to remove all inquiries because I didn't apply to any of these companies. 
- XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, MN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
. Aloha. My name iz XXXX XXXX, i waz seeking guidance about particular loanz on the live. chat option of the personal. loan section of the Wells Fargo website. with an. agent named " XXXX '' when he terminated. the chat. claiming .that. 'due. 2. the. nature of this conversation ' he could no longer " proceed ''. i am filing this complaint 2 affirm. that. my wordz were relative 2. subject and. that. the representative discriminated against me based on. my income. status. Furthermore, when. the chat. waz unceremoniously cut short, the option 2 'rate. this experience ' ( i.e. " did 'XXXX XXXX answer my question ) - Waz malfunctioning. This waz a very. serious. setback for my. company and haz compounded both the problematic nature of approaching a lender and. maintaining a sense of dignity at. the. same. time. i will appreciate. the response you would prepare for me and. am reachable @ 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 2023-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Woke up one morning and my Buisness account was closed. I had that account for 5 1/2 years I went to speak with the bank manager and they said they have no reason to close it, and dont need a reason to close it. Its my company Buisness account which made everything go wrong once account closed I was not able to accept payments. 
Then 24 hours later they closed my personal account and werent able to pay my rent and bills are take care of my kids with XXXX XXXX XXXX XXXX  )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I tried to use my capital one quicksilver card last week and it wouldn't process. I called capital one and they said my account was closed which I had no knowledge of. They wouldn't give me any information as to why it was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'M A VICTIM OF IDENTITY THEFT. THESE ITEMS ARE NOT TRANSACTIONS CONDUCTED BY ME AS A CONSUMER. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Months ago, I requested more than several times to lookover and audit the XXXX to XXXX Bank Statements. I recognized a positive amount when the transactions were equal to XXXX  but the deposits and withdrawals were the same exact amount. I spoke to a XXXX that was going to escalate so I could speak to someone to clear up the accounting math that I saw on my statements. Automated messages from my bank portal keep asking me to call their 1-800 number which I call and either hangs up or disconnects after waiting. No acknowledgement that Im still waiting for corrected bank statement ( S ) for XX/XX/2920 to XX/XX/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 2019-08-23
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
XX/XX/XXXX - LoanMe Flagged my Payment for 30 Days past due. Loan me could not process my card. I called my bank and was told that they have no record on LoanMe trying to charge me and the account was not denying any charges XX/XX/XXXX - LoanMe Flagged my Payment for 60 Days past due. Loan me could not process my card. I called my bank and was told that they have no record on LoanMe trying to charge me and the account was not denying any charges XX/XX/XXXX - Called Loan Me and told them what had happened. Still was unable to charge my card. 

They left out the last conversation I had with them and lied about our last conversation. The line was recorded and I remand you ask LoanMe for a recording of our last conversation where they would not accept my payment due to their inability to process the payment with my bank.

Company response to consumer: Closed with explanation