BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Bank of America took {$1500.00} plus {$120.00} out of my savings account on XX/XX/XXXX. 
Reason said LTS Legal Svc and Legal Fees. 
I knew i had no outstanding debts. 
Called BoA XX/XX/XXXX. After several calls was told i needed to call NJ Courts to get ANY info. This started months of getting the run around. 
I was able to get a copy of the official NJ Civil Suit. IT IS NOT IN MY NAME. But the person 's address is mine. 

The letter from BoA advising me of a debit to my account clearly states another person 's name in the subject line as well. This letter was late in being received. The person named on the suit/letter formerly lived at my address. 
In summary, BoA took MY money for someone else 's debt. 
In the last few weeks i have been in contact with their XXXX customer service. They have the situation as " escalated '' at this point. They're waiting for lawyers to get back to them. I demand my money returned to me now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-28
Company: NAFCO Finance
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
XX/XX/XXXX I purchased a used XXXX XXXX XXXX. This was my FIRST time financing a car or buying from a dealer. There was no Buyers Guide in the window or on the car when I got to my appointment to test drive. I purchased an extended warranty through XXXX XXXX XXXX. Because the dealership was closing I came back XXXX XXXX to sign the papers. XXXX XXXX in the finance department told me that the original loan I was approved for the night before would work because when running my credit XXXX XXXX approved me based on my FICA score & the company then checked my transunion and equifax scores that morning & they would n't loan me the money anymore, so I had to go through NAFCO for high risk loan which increased my interest rate and monthly payment. XXXX told me " the nice thing about this loan is you can split your payment into 2 payments, so its not such a huge chunk ''. NAFCO said " No you cant. The dealership should n't have told me that. The terms of the loan was not up to them '' On XX/XX/XXXX I contacted XXXX XXXX XXXX to see if something was covered. I asked the rep. if I could return the warranty due to I thought it covered more things and had not used it. I felt it was a waste of money. The rep said " yes, I needed go down to the dealer that you bought from & they could process it '' In the first week of XX/XX/XXXX I spoke with XXXX telling him I wanted to cancel and get refunded to my loan. He looked my file up and says " Your warranty was cancelled already '' & had me sign the papers no copy was given to me. XXXX counted the weeks and said " it takes about 4-6 weeks to process through XX/XX/XXXX if its not showing on your loan call me '' I tried several times to reach XXXX by phone & not one time did he return my calls. XX/XX/XXXX I had an oil change done by XXXX XXXX XXXX saw XXXX telling him the refund was not showing on my loan. XXXX responded " I was waiting on you to give me the mileage so I could process it. '' I expressed that I had not been aware he needed the mileage due to when I signed papers in XX/XX/XXXX my car was available for him to check the mileage. XXXX said " yea I do. I will send that off and it should show in 2 weeks. '' XX/XX/XXXX I called XXXX, he wasnt in and did not get back to me. XX/XX/XXXX I called XXXX XXXX XXXX and was informed that my warranty was showing ACTIVE. I called XXXX again and he was not in. I drove to the dealership and spoke with XXXX explaining what has gone on & he was able to help me. I was informed that the amount of $ refunded to my loan was less then I paid due to {$50.00} cancel fee and the warranty had " depreciation factor '' losing the value monthly and by mileage. I asked XXXX if $ came out of XXXX commissions he got for the sale of the car? He said " yes '' XXXX lied to me and I believe purposely did not file the papers so he wouldnt have so much come out of his pocket

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-13
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
As a college student I borrowed Federal Aid from the years XX/XX/XXXX - XX/XX/XXXX. In total, about {$22000.00}. My loans went into repayment in XX/XX/XXXX. I was informed that due to my gross income, I had qualified for income based repayment and have been on the payment plan ever since. My issue is that I have only ever signed an application that did not disclose the terms or consequences of choosing an income based repayment plan, which has now incurred an additional {$10000.00} in principal balance owed. I want to know why a mortgage loan requires 100 pages of disclosure and a truth in lending/loan estimate to be signed, but there are no documents that indicate A ) your monthly payment may not be high enough to pay the interest that accrues on your loan each month, B ) the unpaid interest will be capitalized to your loan balance, thus increasing the principal amount owed, and B ) when your balance is finally " Forgiven '' the amount that is forgiven needs to be claimed as income on your tax return. I have gone through all of my paperwork since XX/XX/XXXX and can not find any piece of paper that acknowledges these items. I feel I was taken advantage of by this servicer in a financial hardship which has snowballed my financial trouble. I spoke with " XXXX '' today who was extremely rude and told me to " relax '' and to " Just keep paying since my balance will be forgiven, '' When I called him out on having to claim the charge off on taxes and that although I keep paying my balance will increase since the payment will not cover interest, he said my other option was to just go back to standard repayment. ( At $ XXXX/month ) I feel that numerous lending laws have been violated in the lack of disclosure of the terms of this repayment program. I want this investigated and I do not want to be responsible for an additional {$10000.00} that I never signed a Note to Borrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Ms. XXXX purchased her home located at XXXX XXXX XXXX XXXX XXXX TX on XX/XX/XXXX with the owner financing term. In XX/XX/XXXX, she purchased the property next to her at XXXX with same owner financing loan term. In order to pay faster she got a Home Equity Loan from Nationstar Mortgage to pay-off the previous owner 's loan. Ms XXXX had to ask for another Mortgage Loan to pay -off the previous owner of XXXX as well with XXXX  XXXX XXXX XXXX on XX/XX/XXXX not only to pay-off but to fixed up the property because it burned out proof attached. The Title company that did the closed paperwork never filed a DEED of Trust under XXXX XXXX 's name and they ever pay-off the previous owner neither, so they foreclosed the XXXX property. Consequently, the XXXX XXXX XXXX transferred the XXXX debt to the XXXX property and did foreclosed the XXXX homestead property on XX/XX/XXXX. but she wasn't evicted from that house since then. She continue making mortgage payments with high a SCROW rate. She can not claim Homestead exemption because is not under her name. She can not sell out the property. She XXXX year-old ILLITERATE  person. They took advantage of her and did a fraud to her.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I contact the United States Federal Communication Commission in regards to when I access my TD Bank Saving Account Online and try to close the web Brower it would not allow me to close the web page or my online Account is it legal to create a Website for customer to view the Bank Account and then have the website not to work according to United States Federal Regulations is this legal a customer should not be force to leave the account open on the website for any reason this leave chance for the account and website to hack it this should be illegal and I would like to have this website an all online banking review to secure security for the customers and ensure that we have secure way to view or account or is it legal even to view our account online and all misconduct and mismanagement found all individuals involved be convited according to United States Federal Regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: Seterus, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Entered into a disaster relief forbearance with lender under the XXXX XXXX disaster relief program as a result of Hurricane Irma.  As part of the program, credit report was to be suppressed and no negative information was to be reported to the credit bureaus. During the forbearance period, I paid off the loan in full including including all the deferred payments when I sold the house. Upon payoff of the loan, I was reported to the credit bureaus as being 180+ days past due. I had this loan since XX/XX/2004 and was never late. The lender has refused to fix the issue and has advised that regardless of being under a disaster relief forbearance, they suppressed the reporting during the forbearance but when I paid off the loan, I was out of the forbearance period and had to report me negatively to the credit bureau.

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 2020-05-26
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: Information belongs to someone else

Complaint:
Ive contacted the company numerous times with no resolution on a XXXX XXXX account. This account is fraudulent. I have also Contacted all Three credit bureaus and only XXXX  has responded and stated to me to contact the company. 

I have yet to receive a response from XXXX  and equifax on this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: Cawley & Bergmann, LLP
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
ON XX/XX/2018 I received a call from XXXX. A woman was on the line. very polite, noting the call was being recorded and asking if she was speaking with XXXX XXXX ( although I already answered the phone, " XXXX XXXX '' speaking ) and providing a " birth date '' asking me to confirm. I asked her what it was about and refused to confirm information. She then put me on the phone with the Manager " XXXX '' who also started out trying to be polite and stating that he understood why I would not give out or confirm information. But when I refused and stated that anything they needed to they could send in the mail, he stated they already had ( I have not received anything from any debt collectors nor their company Cawley an Bergman ). I stated that if i had received anything it clearly was not important. XXXX then made a derogatory comment regarding my inability to see debt as being important. 
1. I have not received any correspondence from this company 2. I do not have any outstanding debts that I am aware of. 

The statement made by XXXX was harassing, derogatory and unnecessary to the alleged debt collection process, certainly to someone he has not even confirmed he is speaking with. It also violates the FDCPA. 

I am reporting this so that I can ensure this company never contacts me again, but also so that the company can be aware of their agents ' practices that violate federal law. 
I believe that many of the people they contact are not retired attorneys and would not know their rights and could be subject to these same violations, unnecessarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The Bankruptcy on my credit is old and should have been removed by the credit bureaus according to the FCRA. I have contacted them to remove it and they have refused

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: ERC
State: UT
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:
Enhanced Recovery account # XXXX is incorrectly reporting my account. This account is paid and is also past the statute of limitations. This debt should not be on my credit and should be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: EQUIFAX, INC.
State: IN
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:
Someone has access to my personal information and its ruining my credit by applying numerous accounts and I don't have knowledge of what or who this could be.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: EQUIFAX, INC.
State: AZ
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 am requesting the removal of these fraudulent accounts that do not belong to me as i have been a victim of identity theft. please see my attached valid police report and FTC report to support my request. i have also filed a complaint with the CFPB regarding these accounts i have sent the credit bureaus more the enough supporting documents to remove these accounts and they still have not removed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There were 2 open accounts, 1 for around 2000 and 1 for XXXX, both accounts were same hospital visit. The hospital visit was due to getting physically attacked. Now I had and have medical, always have and XXXX is my insurance provider and I will have to call but i can get proof of that. Also why would they not have to cover only the small XXXX amount and not the 2000 amount when it was the same visit, im not even sure why the amounts were split up but regardless it was covered by my insurance and i should not have to pay that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
i have filed dispute letters with transunion and XXXX  back in XX/XX/2020 and yet to received anything on my disputes. I understand covid is going on but that shouldnt stop my results from coming 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
Consumer complaint received 2018-10-30
Company: JPMORGAN CHASE & CO.
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:
I was alerted of a fraudulent charge to my chase credit card for some playstation gaming thing. I don't have play station I don't have any games and my kids don't either. I immediately disputed the charge and advised chase of this and told them to block the merchant. Upon researching the account it was a fake email that was created address etc. 

I wanted the charges to be refunded to my card and not be held liable for the charges or the interest that was accrued. 

Chase blocked but did not refund me the charges I want the charges to be refunded back to my card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-29
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I recently got approved for $ XXXX with BBVA Compass. I was given a higher interest rate and the score used was a strategic move to manipulate the system. My fico is over over 750 I was given a 14 % plus rate. They claim my score was XXXX XXXX. I purchase a car about the same time and the dealership told my XXXX was XXXX and XXXX XXXX was XXXX. I call the corporate office and it rang a few time then hang up. When I made contact with the number on the application I was told I could reapply in 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was notified by court on XX/XX/XXXX to appear in XXXX XXXX COURT ON XX/XX/XXXX re : Garnishment filed on XX/XX/XXXX against me from Cooling & Winters Attorneys At Law. The judgement was from a creditor from XX/XX/XXXX. In XX/XX/XXXX it was handled by XXXX XXXX XXXX XXXX XXXX. A law firm that was sued her in GA for illegal practice Civil Action No. XXXX. This is basically the same firm with a different name. 
They have not proven I owe them any money/or that they can collect on a debt/hearsay owed. I was under a debit consolidation firm in XX/XX/XXXX which may have been in partnership with XXXX XXXX XXXX XXXX XXXX due to the fact they were also found to be fraudulent. I will be asking for validation of debit a Signatures or proof of contractual obligation to pay them. the are required by law to produce elements such as the original agreement account # & my signature. further more there is not a contract bewteen XXXX XXXX XXXX & myself. I will be going to court again tomorrow to fight this corruption.

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 2018-10-30
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My family ( XXXX  travelers ) traveled from Washington, DC to XXXX on XX/XX/2017 and all our bags were lost in that flight. We received the bags days later and some items were missing from the bags. We filed a claim with XXXX XXXX and XXXX XXXX carrier of last flight ). We also called American Express on XX/XX/2017 and the representative indicated that expenses incurred because of delayed bags were covered by our travel insurance with the credit card that we used to purchase airline tickets. We opened a claim with American Express ( number XXXX ) and to our surprise it was closed unilaterally by American Express months later. We have been calling and writing to the XXXX repeatedly and American Express as well. The XXXX are not responsive and American Express is asking for an airlines letter rejecting coverage before proceeding with the claim. I find my situation helplessness as I am submitting this complaint against American Express for failure to provide travel insurance coverage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-27
Company: Social Finance, Inc.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
Every month I receive from XXXX an invitation to lower the cost of my student debt : " We 've missed you! '' Simply log in and check your rates. I apply and always get rejected. they keep sending me an invitation to re-apply " XXXXXXXX is the 5th one of these I 've received. The latest one onXX/XX/XXXX, 2017.

Company response to consumer: Closed with explanation