BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a BOA credit card account ending XXXX that have been closed and the bank is threatening to charge off the balance, although I consider this account is paid off. I started an auto pay schedule in XXXX XXXX for $ XXXX to be processed on the due date which is the XXXX of the each month, I expected the balance of {$2400.00} to be paid in less than 3 years according to the disclosure indicated on the statement then. The bank had attempted on numerous occasions to withdraw the money from my checking act before the due date resulting in overdraft fees, insufficient fund fees accumulation. I have an auto deposit into my checking act that occur on the XXXX of each month that should cover the payment, however the bank had intentionally processed the payment on the XXXX or XXXX of the previous month. After 4 years of making payments on this credit card totaling more than {$4800.00} at an interest of 9 %, I contacted the bank on numerous occasions trying to understand how did this happen? I had no success in reaching any solution and the bank gave me an ultimatum by XXXX/XXXX/XXXX to continue making payments. I stopped making payments on XXXX XXXX and tried to resolve this issue with the bank but no avail.

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 2018-03-15
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX REPORTED A COLLECTION ON MY CREDIT REPROT FOR {$2800.00} STATING IT WAS FOR XXXX XXXX XXXX BUT I NEVER HAD XXXX XXXX XXXX .... THEY FAILED TO VALIDATE THIS COLLECTION DID NOT PROVIDE ME WITH ANY PROOF THAT THEY HAD THE RIGHT PERSON .... INSTEAD THEY ARE NOT CALLING MY WORK AND MY RELATIVES.. I ALSO CALLED XXXX XXXX XXXX WHO DID NOT AND COULD NOT FIND ANY ACCOUNTS UNDER MY SOCIAL # ESPECIALLY NOTHING IN DEFAUL. XXXX IS A FRAUD AND ATTEMPTING TO COLLECT ON THE DEBT THAT DOES NOT BELONG TO ME. EVEN AFTER RECEIVING CEASE AND DECIST THEY KEEP HARASSING ME ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I am attaching a prior complaint that still has not been resolved by anyone. I received a Cashier 's Check, it was not in the amount that was granted. 

I am attaching the prior complaint number XXXX. The same issues in the previous complaint still exist. 

I am only refiling because your portal says that the complaint was closed out. Again my expectations are for someone to contact me in writing or by phone and explain to me why my business as been blatantly disrupted, has placed me in more financial debt, and now their attempt to comply is not transparent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
When the original debt which was XXXX XXXXXXXX XXXX XXXX charged off the account XXXX XXXX XXXX bought the debt for pennies on the dollar and tried to collect more than was owed on the original debt. Then the account was transferred to Pressler & Pressler and they sent letters to go to court and I was unaware since I had moved into a new place. They do not own the original debt nor have provided documentation to prove the original application was with Pressler & Pressler and or XXXX XXXX XXXX. Now they want to threaten with wage garnishments and embarrass me at my employment. They have violated FDCPA and FTC legislations and undermined my knowledge on this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Applying for mortgage with a company and I have information that I am currently disputing on my credit report, but company keeps pulling hard credit report report which appears that I have nurmurous inquires and lowering my credit score.  should seek permission for updates and I am going through consumer fiance to resolve issues in an effort not to dicress my scores

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 2020-02-07
Company: LD Holdings Group, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Disclosure information and fee are different then final documents received. Even have a miscellaneous fee, on the final closing document which neither mortgage company, title company or closing agent can explain after a few weeks and multiple phone calls. After closing took more than 20 business days to pay off the old loan that was refinanced. Took 3 1/2 months to process loans without any reason and lack communications during.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-21
Company: Affirm 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: Their investigation did not fix an error on your report

Complaint:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: MoneyLion Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I had a life/death situation this week and including loosing my job I can no longer pay any thingat this time and wont be able to till i go back to work which is hopfully soon I am sorry to say I can not afford to do this right now I also want to mention the company should have canceled this loan beforehand after i told them twice to cancel but did not listen I the company has failed to respond to last 4 emails period and i find this unprofessional they do not seem to care at all and yet i have sent emails today no response again I want this resolved in a way were it can be XXXX out balance or put on hold with out any issues this loan should have never happened in first place I also want to mention they dont tell u the convo is recording which is illegal Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: CNG HOLDINGS INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company has repeatedly update info to Credit bureaus with ongoing CFPB complaint with out answeing the complaint and without validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On New Years Eve I lost my wallet and phone in my XXXX I took to XXXX XXXX at XXXX pm. I left the car and noticed my wallet and phone was not on my person. I kept calling Chase bank which is where I had my debit card from in my wallet with. And could not get in contact with someone until someone used {$2800.00} through transactions at a bar and dispersing {$500.00} from ATM using my pin code which they gave out. I submitted a claim on the XXXX of XXXX and was told not to file a police report. Now Chase has informed me the Charges are authorized because the chip on debit cards prevents all fraudulent transactions. I finally reached Chase at XXXX to cancel my debit card but it was already to late, the culprit already made their purchases with my debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: Convergent Resources, Inc.
State: GA
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 had an account with XXXX that I was unaware still had an existing balance. I was made aware when XXXX XXXX reported the balance on my XXXX  credit report. I confirmed with XXXX that the account was not sold to XXXX XXXX and that they sill owned the account. I agreed to pay the balance of {$960.00} to pay the account in full on XX/XX/XXXX, and I was told that the account would be recalled and XXXX XXXX and removed from my credit. 

On XX/XX/XXXX, when I checked my credit report, I saw that the XXXX XXXX collection account was updated to paid in full, and still remained on my credit report. I contacted the CEO of XXXX 's office to get the issue resolved, but I was told that they would no remove the entry, and that the agreement that was made was not going to be fulfilled. 

I contacted the XXXX of XXXX 's office again in XX/XX/XXXX, and I was given the same response that XXXX would not fulfill their end of the agreement. I followed-up by calling XXXX customer service again, and I was told that, yes, in fact the account should be recalled and it should be removed from my XXXX credit report. I was told this would be completed in 10 business days. I have received no notifications that this action was fulfilled, and the entry still remains on my XXXX  Credit report as of XX/XX/XXXX. 

I payed the balance in full, all I want XXXX to do is recall the account from XXXX XXXX so that it will be removed from 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 2018-08-22
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have co-signed for my Son to attend School, XXXX, since he has graduated he has not secured work. Therefore he can not afford the monthly payments for both SallieMae and Navient. Because of this his student loans have grown substantially ... 

Navient -1st attempt to lower payments, I was told they could not do anything for me, even though I was told when I co-signed they would put him in a comfortable payment plan. Navient allowed a forbearance to bring loans up to date, however I mentioned to them that my Son will still not be able to afford the payments and he will be put back into the same position ... 3 months go by, receive several calls asking for payment, finally Navient works with me on lowering payment to a more affordable payment. However this now hit my credit report reflecting the 90 days past due. If they would just have put me into this program on my 1st attempt, this would not have affected my credit report. Additionally, the actual loan amount has increased substantially from when I actually co-signed to now ... because of interest. Highway robbery ... 

SallieMae-1st attempt to lower payments, I was told they could not do anything for me, even though I was told when I co-signed they would put him in a comfortable payment plan. Navient allowed a forbearance to bring loans up to date, however I mentioned to them that my Son will still not be able to afford the payments and he will be put back into the same position ... 3 months go by, receive several calls asking for payment, finally Navient works with me on lowering payment to a more affordable payment. However this now hit my credit report reflecting the 90 days past due. If they would just have put me into this program on my 1st attempt, this would not have affected my credit report. Additionally, the actual loan amount has increased substantially from when I actually co-signed to now ... because of interest. 

Please let me know what can be done about this ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XX/XX/XXXX, XXXX XXXX XXXX XXXX agreed to " remove all delinquencies reporting from XX/XX/XXXX through XX/XX/XXXX '' and " remove the charge off status. 

This account should be reflected as paid and in good standing. 

Evidence has been attached.

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 2021-09-21
Company: Synovus Bank
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I made a complaint about Synovus Bank on XX/XX/21, they state that they handle my case to XXXX XXXX. I have called them once between XX/XX/21 and today XX/XX/21 and they said they will call me back. But they have not updated me on the investigation. I have tried having my bank recall the fund from Synovus Bank but Synovus Bank would not let me recall.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
We have an account with Verizon for our phone plan. We use autopay on our account currently. We were sent an advertisement in the mail specifically to us saying if we signed up for the Verizon Visa Card that we would get an additional XXXX dollars off on our account per month. Verizon bills are really high so this seemed worthwhile. We already currently receive XXXX dollars off a month for using autopay but did not have a Verizon Visa Card, which would save them money not us. I signed up and was approved for the credit card. I put it as my default payment for autopay but noticed the discount did not come off. I called Verizon customer service and asked what was wrong with the discount and could they look into it. They looked into it and they said that the discount was just for the autopay, which we already had. I told them this was false advertisement but they disagreed. Why would they send us this advertisement for an additional XXXX dollars off when it's not available in reality? Using their credit card does not help me it only helps Verizon.

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 2021-09-21
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have reached out to the company several times to validate this debt and provide me with information that will prove that this is my account and they have not responded with the correct information. They keep sending me letters saying that I sent duplicate letters just to stall the process and avoid verifying the account. 

I've attached the letters I have received from them so far as a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
GM Financial Account # 's XXXX and XXXX These accounts should not be reporting any late payments. I have always made my payments on time. The vehicle was turned into the dealer and the loan as paid off late but was the dealerships fault. Letter from the dealership is attached. 

I should not be penalized and this is preventing me from getting the credit I deserve. Remove the late payments right away!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: U.S. BANCORP
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
From XXXX to XXXX I had been placed in a trial periods every three months. US Bank had been redlining my loan for 3 years and accepting my payments during this time. I also received every 3 months, threatened with foreclosure. Not only did I continuously make the reduced payments to avoid foreclosure, I had to obtain assistance from local FHA/Foreclosure Agencies in order to save my home. I now find out that there has been placed an additional 2nd lien on my home for {$34000.00}. This is capitalized interest, yet they are unable to tell me the interest rate, how they came up with this amount, nor do they want to provide me a pay history since inception of my loan. They also discriminated against my race/ethinic status and denied the modification for 3 years, capitalized on the interest. US Bank still will not release a payment history from inception XX/XX/XXXX to current.

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 2018-08-22
Company: Ameritech Financial
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received a phone call from Ameritech back in XX/XX/2017. I was told if I paid {$82.00} a month for the next 10 years, my loan would be forgiven. The money started being electronically taken out of my checking account under the name XXXX on XX/XX/2017 for {$74.00} and then {$82.00} each month after. They continued to call me and ask for a copy of my tax returns and my signature which I did not give them. The money was still being taken out of my account I thought it was paying my student loan. when I was notified from the XXXX XXXX XXXX about a lawsuit and the money did not go to my student loans, I called Ameritech to opt out and ask for a full refund. They refused to give me the full refund and said they could only give me {$200.00}.

Company response to consumer: Untimely response
Consumer complaint received 2020-09-14
Company: CNG HOLDINGS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hi, there. 

My name is XXXX XXXX and Ive been having issues disputing a collection with XXXX, XXXX and XXXX XXXX and a company called Tempoe LLC. 

Apparently, an account was opened with my name, SSN and information on XX/XX/2018. I found out this year that this was a family member who was using my identity to open accounts and not pay what was owed. 

A collection was opened and I successfully disputed with XXXX   and XXXX earlier this year with no issues. XXXX, for some reason, denied the dispute and will not let me try again. 

Ive tried reaching out to XXXX but I have not been able to get in touch with anyone, or speak to a human over the phone. Ive also tried contacting the original creditor, Tempoe, and they have ignored all my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: ALLY FINANCIAL INC.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repetitious phone calls by XXXX XXXX with XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from XXXX XX/XX/XXXX - from XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from XXXX XX/XX/XXXX from 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 2021-09-21
Company: EQUIFAX, 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:
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Equifax Information Services LLC violated 15 USC 1692c ( b ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 U.S. Code 1681 ( a ) ( 4 ), 15 usc 1681a ( 2 ) ( i ), and 15 usc 1681a ( e )

Company response to consumer: Closed with explanation