BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-05
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have spoke with this company multiple times, i set up monthly payments of {$150.00} a month which i was paying, i had to unfortunately had to get another job, which I'm am making way less then i was, i called them immediately upon starting my new job and let them know i could pay {$50.00} a month without putting my family in a financial burden. They refused the payment and said they wouldnt take anything less then {$200.00} a month which i can not afford, and also which was way more then i was originally payment, i was told they would bring me to court and garnish my wages. This debt is XXXX XXXX XXXX. i told them again i can only afford {$50.00} a month and IF i was able to pay more in the future i would, again the REFUSED my payment. I can only afford {$50.00} a month

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I received a letter from Bank of America Dated XX/XX/XXXX informing me that my account has been closed, no reason given. I called the customer service and also the bank and I was told that my account is being investigated and after the investigation they will send me a check of what ever I have in both my checking and savings. I received another letter dated XX/XX/XXXX accompanied with a check in the amount XXXX as what is left in my savings account. While still expecting the balance in my checking I received another letter informing me that after their investigation my account has finally been closed with balance of {$37000.00} and no money will be refunded to me. I want you to use your good office to look into it and recover my money for me. Attached is the letters and balance from Bank of America.

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 2018-04-26
Company: Collection Information Bureau, 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: Their investigation did not fix an error on your report

Complaint:
This is a medical bill incurred in XX/XX/XXXX, I made payment arrangements with the service provider in XX/XX/XXXX to pay {$25.00} per month, at which time I started sending payments monthly, and paid as agreed sending more than {$25.00} some months, in XX/XX/XXXX just as I had paid off the debt it was turned over to a collection agency who immediately put it on my credit report. They have never contacted me, I had to find out who they were through the Credit Bureau. I have sent proof of payment in full to them twice XXXX XXXX and again XX/XX/XXXX, I have never received a response from them. I have disputed this account with XXXX and both times they state debt is reported correctly. I have proof of payment in full for the account. I want the debt removed as it was paid in full as agreed with original medical service provider, whom I also contacted that then referred me to XXXX XXXX XXXX whom my account was turned over to with no explanation as to why it was turned over when it was paid in full in XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: HYUNDAI CAPITAL AMERICA
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Nothing but non-stop issues from XX/XX/XXXX for my XXXX XXXX XXXX loan through KMF. This all started with the dealership forcing the extended warranty and GAP insurance on the contract against my explicit request to the sales rep, her manager, and the finance manager. 

The refund was submitted incorrectly in XX/XX/XXXX by the dealership, which resulted in being applied to monthly payments. This was apparently against KMF 's policy, but went undetected for 7 months. The dealership also sent an erroneous payment, which was also submitted incorrectly and resulted in multiple months showing {$0.00} due. This was corrected in XX/XX/XXXX, but I was penalized for it despite the issue being completely out of my control. KMF treated me as a delinquent customer and requested the full amount due, which was paid promptly. They then ruined my 100 % payment history by reporting delinquent to bureaus for the months of XXXX, XXXX, and XXXX. 

They then assessed the interest completely wrong, hundreds of dollars over by completely ignoring the refund payment and assessing daily as if I never made any payments for the months in question. I have attached my statements, which clearly show {$0.00} for those months so how could I possibly be considered late? 

I should not be penalized for mistakes between the dealership and KMF as I had zero control over how any of it was handled. I have filed disputes with all 3 credit bureaus and KMF has lied to each of them saying that the information is accurate. Contacting KMF I only get the run-around or flat out being told the person couldn't help me at all. These issues have been neglected for over a month.

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 2020-08-20
Company: ALLY FINANCIAL 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: Old information reappears or never goes away

Complaint:
I was not late on any payment in XXXX or XXXX please have that reflected 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 2019-09-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
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: Card was charged for something you did not purchase with the card

Complaint:
I have had a secured XXXX XXXX card with USAA for about 4 years. I am also currently living abroad for work. I recently checked my messages on the website and noticed that the {$35.00} annual fee was past due. The card statement said that this was due XX/XX/19, so I paid it. Several days later the card was closed. I called to ask why on XX/XX/19 and they said because I did not pay the annual fee. I saw in the statement that I had, so I asked them to reinstate the card or refund the {$35.00} I paid as they did not provide the service I paid for. They said they would do neither of those and I asked for a call back from a senior banking specialist as they would not let me talk to them over the phone at that time, and I have heard nothing since then. 

It seemed simple and obvious to me to either provide the service they took the money for, or refund me the money, but I cant seem to get help from them, so I am requesting your help in resolving this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: ENCORE CAPITAL GROUP 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: Information belongs to someone else

Complaint:
The following accounts appearing on my credit report are fraudulent : XXXX/XXXX XX/XX/XXXX {$0.00}, XXXX/XXXX  XX/XX/XXXX {$890.00}, XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX {$670.00}, MIDLAND CREDIT I reached out to the XXXX, XXXX, and XXXX credit bureaus several times. The last correspondence was XX/XX/XXXX. I have received no valid response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-11
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made two legitimate ATM withdrawals from the same Wells ATM for {$100.00} each on XX/XX/20 that both posted to my account on the same day as they almost always do. On the same day, there was a third ATM withdrawal for {$100.00} from the same Wells ATM but this transaction posted to my account three days later on XX/XX/20 and was unrecognized, unauthorized and disputed by me. This the second time when I have noticed an unrecognized ATM withdrawal from a Wells ATM that is posted XXXX days after occurrence, the earlier incident was reported in CFPB XXXX. 

Wells Fargo refused to credit the transaction despite my repeated request for a review of the ATM camera footage.

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 2019-09-16
Company: Guild Mortgage Company LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I took out a mortgage with Guild mortgage in XX/XX/XXXX. I paid my mortgage down to XXXX XXXX on XX/XX/XXXX. Guild mortgage is still charging me PMI of {$150.00} per month. I have advised them of their mistake but they refused to refund the {$5700.00} they erroneously took from me. Ive recently become aware that this is a violation of the federal homeowners protection act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: U.S. BANCORP
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/XXXX three VISA prepaid gift cards ( The Visa Gift Card is issued by XXXX XXXX XXXX XXXX pursuant to a license from Visa U.S.A., Inc. ) were purchased from XXXX XXXX XXXX XXXX, each with a gift value of {$120.00}. I was presented one of these cards, as were two other friends, as a gift. Prior to any of us being able to use the cards, we found out that the three cards had been fraudulently used. I found this out when I attempted to register the card at XX/XX/XXXX and was not able to do so. I found out that the card had been used for {$110.00} on XX/XX/19 and on XX/XX/19 for {$5.00}. 

I first attempted to register my card on XX/XX/XXXX. When I called customer service per the instructions on the website, I was told to fax ( not email ) copies of the original gift receipt, the front and back of the prepaid gift card, and my ID ( including enlarging the materials 200 % and lightening them for the fax ). Which I did on XX/XX/19, and the facsimile machine confirmed receipt. After not hearing from the VISA prepaid gift card company, I called on XX/XX/19 only to be told they never received the fax. So I re-faxed everything again on XX/XX/19 ( again receiving a confirmed fax report ). After again not receiving any response, I called the company yet again on XX/XX/19, the company told me the copy of the original receipt was not clear enough and to-refax it yet again. On XX/XX/19, after not hearing anything from the company I called yet again ... this time they told me the copy of my ID was not light enough and to refax it yet again. 

This is worse than the thief who stole the money off the cards in the first place. For that matter, I'm beginning to think the whole thing is a scam. I mean, it's 2019, who doesn't allow you to EMAIL documents in! Relying on a fax?!?!? And not calling me ( even though every time I included my phone number on the faxed messages ) despite the multiple iterations of faxing the materials?? These guys are just making it impossible to get the money that rightly should be refunded and put back on the card!! VISA XXXX is a horrible business!

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 2019-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
1. Suffered Financial Hardship. Instead of filing BK, I negotiated with Capital One to repay outstanding credit card debt.

2. Entered into an agreement on XX/XX/XXXX at a set balance and repayment amount to make monthly payments. This account was not accessible to me online, it was by billing through regular mail only. 
3. Capital One accepted monthly payments and on XX/XX/XXXX, they changed account supervisors and reset the amount owed to a higher, incorrect amount. I continued to make payments even though they changed the agreement. I was unable to get anyone to communicate why the change in amounts owed. I made 67 consecutive payments. 
4. In XXXX of XXXX, I stopped receiving statements and I had no idea what my payment or balance owed was at any time after the statements stopped. The account could not be accessed via phone or online. I called my account supervisor XXXX XXXX several times with no return call. I continued to blindly make the {$100.00} per month payment with an old payment coupon.I never received any communication past this point from Capital One. 
4. XX/XX/XXXX I made what would end up being my last payment. I called Capital One in XXXX, because I was no longer receiving billing or statements with the outstanding account balance ( which was incorrect from the unexplained reset anyway ). The person I spoke to said they never received a XXXX payment and the account was permanently closed. I explained to her that I had confirmation that they had received the payment. I did have a credit report pulled and it showed the payment being made, but no change to the balance owed, and again the balance owed was not accurate. The credit report indicated the account was settled.

5. I received no further communication or return calls from Capital One after they told me the account was permanently closed.

6. XX/XX/XXXX I received a collection notice demanding an amount higher than what I owed to Capital One from a collection agency. They have threatened to sue me, and ruin my credit. They insulted me about having an outstanding debt. I tried to negotiate and they refused. 
7. I called Capital One to find out why they sent the account to collection instead of communicating with me directly and continuing to accept my payments. I upheld my agreement for 67 consecutive months, and I would continue to meet my obligation until the debt was paid in full, however they made that impossible when they stopped communicating with me, changed the terms of the agreement without notice, and stopped sending statements without notice or cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: EQUIFAX, INC.
State: AR
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:
I have disputed XXXX bill in the past and a new debt collector reporting under XXXX has put this debt that does not belong to me back on my credit report. Under the fair credit reporting act this is unlawful and Equifax should not be reporting this on my file. It should be removed immediately or I will have to take steps to litigate any and all monetary damages incurred for damage to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: Medical & Professional Collection Services, Inc. NC.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I was in the XXXX from XX/XX/XXXX-XX/XX/XXXX. I have been working to obtain a VA loan for a home for my family. However, I have 4 collections through the same agency that have to be deleted in order for my credit score to reach the required number. I called this agency several times ( fromXX/XX/XXXX to XX/XX/XXXX ) and was given excuses as to why they couldnt delete them. Some of those excuses were that its illegal, they have a contract with the credit reporting agencys, and that its not honest. Each time I called, they would give me a different reason that they couldnt help me. I offered to pay all 4 collections in full provided I could have them deleted, but they said best they could do, is mark the accounts as XXXX. Any help you may be able to provide would be greatly appreciated. The collection agency is XXXX XXXX  XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, IN XXXX. Phone number is XXXX. The first two collections is from XXXX XXXX one is for {$580.00}, which was opened on XX/XX/XXXX and the other is for {$370.00}, which was opened on XX/XX/XXXX.The next account with them is from XXXX XXXX XXXX ( accountant ) for {$350.00}, was opened on XX/XX/XXXX. The last account with them is from XXXX XXXX XXXX XXXX XXXX for {$250.00}, was opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: Monterey Financial Services LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6.  Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: BBVA FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I established a new checking and savings account with BBVA XX/XX/XXXX. Shortly after my wife initiated direct deposit of her payroll check to the new BBVA checking account. Two payroll transactions were deposited into the BBVA checking account on XX/XX/XXXX and XX/XX/XXXX in the amounts of {$460.00} and {$1700.00}. On XX/XX/XXXX I initiated a money transfer from the BBVA checking account to a joint checking account that my wife and I have with XXXX. On XX/XX/XXXX I received a text notification from BBVA that the transfer was being blocked and to a call BBVA. I called on XX/XX/XXXX and was told the transfer was blocked because the original direct deposit transactions were in my wife 's XXXX XXXX XXXX name and the BBVA checking account was in my name XXXX XXXX XXXX. Because of this, BBVA stated the transfer to XXXX could not be executed. I inquired as to how the money could be accessed and was told that my wife would need to be added to the account or the original payroll deposits would need to be returned to the sending bank. When inquiring about adding my wife to the account I was told that she would. have to come into a branch. However the closest branch is in Alabama and we are located in North Carolina. So, the only option would to return the funds to the originating bank. I asked to have that done and was told the return funds transfer would be initiated. On XX/XX/XXXX two debit transactions were created against the BBVA checking account in the amount of the two payroll transactions indicating the funds return from BBVA to XXXX XXXX XXXX had been executed. However, after multiple weeks the funds never appeared in the XXXX XXXX XXXX account. In the ensuing weeks, multiple attempts have been made to contact BBVA for help in resolving the issues and tracking the funds or investigating what happened. To date they have been unable to provide an ACH trace number or even the account to which they directed the return funds. On XX/XX/XXXX I initiated a conference call with BBVA and XXXX XXXX XXXX representatives to try and further investigate what had happened to the funds. XXXX XXXX XXXX verified they had no record of the funds being returned. BBVA was again unable to provide the ACH trace number or account number to which they returned the funds. They stated they were not able to provide any other information about the funds or any other assistance in investigating what happened or where the funds were. At this point I would like to file a formal report and have a third party investigation initiated to determine what happened to the funds and have them returned to us.

Company response to consumer: Closed with explanation