BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-14
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX XXXX an apartment I moved out of was retaliating against me for some disagreements the property manager and I had to do with repairs in my unit that they refused to fix (law violation  #1) and towing vehicles. I did not renew my lease with them however, upon giving proper notice of intent to vacate, I somehow acquired a lump sum of charges (XXXX) that I was never informed of (law violation #2). For the record, I was first notified of the charges on XXXX XXXX XXXX by the debt collection agency ProCollect, 2 months after moving. The claims made against me were clearly made in bad faith. XXXX XXXX XXXX XXXX XXXX submitted no evidence to support their allegations and instead the credit bureaus and debt collections agency let a mere copy of the lease agreement constitute as evidence. I sent multiple dispute letters claiming the false statement of fact provided by XXXX XXXX XXXX XXXX XXXX. On XXXX XXXX XXXX I sent Pro Collect a final dispute letter with attachments that refuted all of their claims against me. I received nothing back from ProCollect but now this is the only derogatory mark on my credit and it is completely illegal. ProCollect has violated the fair debt collection practices act. Section 807(5) States that a debt collection agency cannot threat to take action that cannot legally be taken. Section 809(b) States that if a consumer notifies the debt-collector within the thirty day period (a) that a debt, or any portion thereof is disputed, the debt collector shall cease collection of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/XXXX Bank of America levied a {$12.00} service fee that was immediately deducted. They did the same thing 2 months earlier. This is generated from transferring $ savings from a conumers checking to their savings account -- early. Normally this trasfer occurs on the last day of the month. They do this early a couple times out of the year to catch you without enough funds, and assess an automatic insuficient funds fee. Yet on all other inuficient amounts the consumer is allowed time to bring their account balance up - to avoid this neative result. In this case, however, the bank is purposely attempt to extract money from their clients to recoup loss of funds for free acounts, and thereby boost their profits. 
I believe this is violation of federal fair banking law, which no one is making these institutions answer for. In my case, for instance, theyve {$24.00} from me through the technique of catching me off guard. There are way over a million consumers with free accounts. Consequently this results in excess of 24 million dollars a year the financial institutions are raking in through unfair practices. I brought it to their attention, and they refused to refund my money.

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 2019-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
XX/XX/XXXX, wanted to make pmt on phone to Bank of America credit card for {$150.00} they took {$450.00}. A complaint already exist. Yesterday I get a call from BOA, a man saying he is my contact, and he will push to have refund by XX/XX/XXXX. In XXXX the last call made they said it was reported pm XX/XX/23 and would take 8 - 10 days. Now the XXXX of XXXX. I do not want a contact person. Someone needs to put a stop of this highway robbery. I need to pay my health insurance as I am XXXX I have XXXX. I am late on several bills now and this bank does not seem to care. I want my {$300.00} put back in my account, {$35.00} fee fro my bank for innsuficiant funds and since these people have so much money I would like {$25.00} for every day that they keep my money. They need to be fined and this meds to go to the media so everyone can be warned. 

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 monetary relief
Consumer complaint received 2017-07-14
Company: Credit Central Holdings, LLC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I took out a loan with Credit Central located at XXXX XXXX XXXX XXXX, XXXX Alabama, XXXX in XXXX of 2017. My payment date is due on the XXXX of every month. I get paid once a month between the XXXX - XXXX and i always pay them when i get paid. On the XXXX of every month and and least 3 - 4 times a week they start calling me and harassing me wanting to know when they can expect a payment. I tell them they will get paid between the XXXX- XXXX everytime they call again at least 3-4 times a week. I always mail them a payment but they never send me a receipt. I ask them to mail me a receipt but they never send one. They tell me they are not obligated to send a receipt unless i mail them a stamped self addressed envelope. i am according to my records 2 payments away from having them payed off. I plan on sending a payment on XXXX. I need help with the uncalled for harassing phone calls every month.
Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Date : XX/XX/2022 Bank : TD Bank Transaction : {$150.00} and {$200.00} were taken out of my account. 
I noticed that there was fraud on my checking account, and it was fully compromised. 
I followed all of TD bank account holding policy, meaning did not share account information, share debit card with another individual, and did not lose any of my belonging. I followed up with a claim on the day of my account being compromised, but I was just informed on XX/XX/2022 that my claim has been denied, even though I followed their policy to the maximum.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
From XXXX to current BBVA has absorbed my Simple accounts and I have no access to them. Customer Service is non-existent in chat and phone forms. Not even so much as an email.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: LoanCare, LLC
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have two mortgages with XXXX XXXX/loan care, they have misapplied payments to one of the loans causing the other loan to appear as delinquent. After several phone calls, and submitting a dispute they still reported negative information to the credit bureau. This has caused me to be declined credit, and a visit from someone to my home stating foreclosure is pending.

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 2022-10-04
Company: Experian Information Solutions Inc.
State: FL
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 accordence with the fair act this creditor has violated my rights. 
Under 15 USC 1681 section 602 states that i have the right to privacy. 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish and account without my written instructions. under 15 USC 1666b A creditor may not treat a credit paymenton a credit card account under and open ended consumer credit plan as late for any purpose.

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 2019-05-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CHASE CARD - {$1500.00} DATE REPORTED XX/XX/2017 Chase reported that I owed them but I didn't recieve any emails, phone calls or information in the mail stating that I did so I was no able to pay them, now my credit has taken a hit. When I tried to contact them I was never able to get to anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX car dealership had me to sign a document that what I was told it for. I was told that the form was to be take the car off the lot. The sale person found out I was a XXXX and kept talking to ne getting me distracted. He also said he had to take my driver license and take picture to take car off lot. I did what I was asked to and now I suffered..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am writing today in regards to my account with SYNCB/AMAZON Account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in 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 2022-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XXXX approx. XXXX went BANK OF AMERICA TO WITHDRAW LARGE SUM OF MONEY FROM TELLER.GAVE HER MY ID AND EDD DEBIT CARD.SHE GOT THE INFO SHE NEEDED .RETURNED MY ID AND CARD I SIGNED THE MACHINETHEN SHE TOLD ME TO INSERT MY DEBIT CXARD TO CHECK PIN.I WAS THEN TOLD THAT THERE IS A HOLD ON MY CARD DUE TO POSSIBLE FRAUDULENT ACTIVITY.SHE THEN TOLD ME THAT I WOULD NOT GET ANY MONEY TILL THE HOLD IS TAKEN OFF MY CARD.I ASKED FOR SOME KIND OF RECEIPT TO SHOW THAT I WAS THERE FOR THIS DENIED WITHDRAWL.I NEVER LOOKED AT THE RECEIPT WHICH I HAVE LOST.I LEFT IN A HURRY TO GO HOME AND CALL CUSTOMER SERV. TO GET HOLD TAKEN OFF.WHEN I CHECKED MY STATEMENTS ONLINE.I NOTICED MY BALANCE WAS VERY LOW .I TRIED TO RESOLVE WITH THE MANAGER.WHO ONLY ACCUSES ME OF GETTING THE MONEY.FILED MULTIPLE CLAIMS ONLY TO BE TOLD IT WILL BE 45 TO 90 DAYS.KEEP SAYING THAT THEIR INVESTIGATION HAS CONCLUDED NO POISTAL ERRORS AND WON'T CREDIT MY ACCOUNT AND CASE I CLOSED. NO EVIDECE OR PROOF HAS BEEN SENT TO ME.IT 'S BEEN 2 + MONTHS.I HAVE LOST MY PART TIME JOB CAR INBSURANCE CAN'T PAY BILLS AND ABOUT TO BE EVICTED.ALL I WANT IS MY MONEY THAT I NEVER RECEIVED AND WAS LOST BY THE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: EQUIFAX, INC.
State: VA
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:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 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 30days gives a reason to immediately remove those items from my credit report it has been over 30 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 Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received to statements claiming I visited XXXX XXXX XXXX. Once on XX/XX/2015 acct # XXXX for {$1400.00}. Another on XX/XX/2015 acct # XXXX for {$480.00}. I am a regular patient at the XXXX  XXXX XXXX XXXX. I do not go outside the va for my medical svcs as for my recollection I have never visited XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XXXX 2017, I spoke to XXXX at Navient. Prep about my student loan. He stated that I would have to pay {$240.00} for 3 months and then {$5.00} thereafter. I told him that I would not be able to pay until XXXX XXXX, then he advised me to call back on XXXX XXXX to schedule the payment for XXXX XXXX. When I checked my account on XXXX XXXX the {$240.00} was withdrawn from my account. I called the company and spoke to XXXX about the situation. He then advised me that he would take care of it. On XXXX XXXX the {$240.00} was deposited into my account and then immediately taken out again. I called the company back on XXXX XXXX, 2017 and spoke to XXXX, he assured me that a check would be put in the mail, I also faxed over a copy of my bank statement where it clearly showed where the money was taken out and then put back and then taken out again, 7 days went by and no check ( XXXX lied ). On XXXX XXXX, 2017 I called back and spoke to XXXX ( rude ), where I was told by XXXX that I did not understand my bank statement. XXXX was then put on the phone where once again I was treated like I was stupid. He then guaranteed that my check would be in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX/XXXX XXXX ( CFPB Case XXXX ) ( Acct ending in XXXX ) I nor XXXX XXXX was ever under any circumstances properly told about the interest rate that this card carried and the terms in which we were agreeing to. We would have never agreed to this card had that terms of this card been fully explained to both us and we would see and sign off on it which we did not. We were not aware that this was the account listed on our credit file which was charged off in question after all this time. We believed that this card was paid off and closed which is the reason why I have filed several complaints as to why it was reporting negative to our credit file. I was told that as long as monthly payments were made that NO interest would incur. I nor XXXX XXXX never knowingly agreed to or signed any agreement electronically or non-electronically whatsoever with an interest rate of 26.99 % on a healthcare credit card if the balance wasnt paid in full during a promotional period. I nor XXXX XXXX was not adequately informed about and did not understand ( a ) that I/we would owe interest on my account if the balance was not paid in full by the end of the promotional period ; ( b ) My interest rate ; or ( c )  that interest accrues on my balance during the promotional period starting from the date of my purchase. This account has now been sold to collections agency and is having a very negative affect on our credit files and on our lives. I am prepared to take whatever legal action necessary and if needed file fraud charges against XXXX XXXX, XXXX XXXX, and the collections agency it was sold to XXXX XXXX if this is matter is not taken care of. Furthermore no copy of our signatures on the terms and agreement have been supplied. I was sent copy of account being approved. I have had accounts approved in the past but if the terms and conditions were not to my liking I would not sign or agree to it. There was no SIGNED copy of agreement of terms and conditions with XXXX XXXX and myself sent to us. We also never received a claim form in regards to the lawsuit that was filed against 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 non-monetary relief
Consumer complaint received 2022-02-09
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Creditor has constantly sold/reopened medical debt collection multiple times. Every month it is reopened. Creditor is calling multiple times a day from different numbers associated with different states. The calls begin at XXXX am and end around XXXX pm. They are relentless. I have never even received an original bill from whoever the original debt even came from!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
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: Account information incorrect

Complaint:
XXXX XXXX/XXXX XXXX ( CFPB Case XXXX ) ( Acct ending in XXXX ) I nor XXXX XXXX  was ever under any circumstances properly told about the interest rate that this card carried and the terms in which we were agreeing to. We would have never agreed to this card had that terms of this card been fully explained to both us and we would see and sign off on it which we did not. We were not aware that this was the account listed on our credit file which was charged off in question after all this time. We believed that this card was paid off and closed which is the reason why I have filed several complaints as to why it was reporting negative to our credit file. I was told that as long as monthly payments were made that NO interest would incur. I nor XXXX XXXX never knowingly agreed to or signed any agreement electronically or non-electronically whatsoever with an interest rate of 26.99 % on a healthcare credit card if the balance wasnt paid in full during a promotional period. I nor XXXX XXXX was not adequately informed about and did not understand ( a ) that I/we would owe interest on my account if the balance was not paid in full by the end of the promotional period ; ( b ) My interest rate ; or ( c )  that interest accrues on my balance during the promotional period starting from the date of my purchase. This account has now been sold to collections agency and is having a very negative affect on our credit files and on our lives. I am prepared to take whatever legal action necessary and if needed file fraud charges against XXXX XXXX, XXXX XXXX, and the collections agency it was sold to XXXX XXXX if this is matter is not taken care of. Furthermore no copy of our signatures on the terms and agreement have been supplied. I was sent copy of account being approved. I have had accounts approved in the past but if the terms and conditions were not to my liking I would not sign or agree to it. There was no SIGNED copy of agreement of terms and conditions with XXXX XXXX and myself sent to us. We also never received a claim form in regards to the lawsuit that was filed against XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I was behind on my credit card, I say at least a month or two. I ended up paying it off then the company said my account was closed but I 'm still receiving payments I need to make.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: National Credit Adjusters, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Re : Over payment on refinancing On XXXX XXXX, 2017 I refinanced my student loans with XXXX and they paid Nelnet {$69000.00}. This is an over payment of {$930.00} of the last principal balance from XXXX XXXX, 2017. I called today and was told that the over payment went towards the loan I still currently house with them. Upon adding the numbers that was applied to that laon the total is {$530.00} a difference of {$400.00}. Now, I understand there was 6 days between the last principle amount date ( of my last payment ) and XX/XX/XXXX to when XXXX paid you for the loans and during that time interest had accrued however I know that {$400.00} of interest had not accrued during 6 days. So where has the missing money gone? and it makes me wonder if anyone else has had this happen to them and have not known about it. It also makes me wonder how accurate all the other books are if they cant tell me where a missing {$400.00} has gone.

Company response to consumer: Closed with explanation