BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a credit card with Bank of America that had auto pay set up to pay the monthly minimum due with payments directly from my Credit Union Checking Account. 

I was paying off the full balance in the month of XX/XX/XXXX so using the BofA website I changed the automatic payment to equal the account balance, which at that time was {$14000.00}. The confirmation stated the {$14000.00} payment was scheduled to be made on XX/XX/2019 from my checking account which was linked to the Credit Card bill pay account. 
On XX/XX/XXXX I noticed the automatic payment system withdrew {$290.00} from my checking account ( this must have been the original minimum payment ) so my balance was now {$14000.00}. On evening of XX/XX/XXXX I checked the system to see if the next scheduled payment had been adjusted to match the new balance due, but it was still showing {$14000.00}. The payment webpage had a " change payment amount '' link so I used that link to change the {$14000.00} payment authorization to {$14000.00}. The system acknowledgment indicate the change was accepted. 
Then on XX/XX/2019 I checked my Credit Union account and saw that BofA had in fact made a withdrawal in the amount of {$14000.00} and a second withdrawal of {$14000.00} for a total of {$29000.00} which overpaid themselves by {$14000.00}. I did not authorize payments of {$29000.00} and their system did not indicate it was going to withdraw that amount either. I contacted BofA on XX/XX/2019 to inform them of their error and requested they return the {$14000.00} overpayment to my Credit Union Checking account. They apologized for what happened but could not explain what happened. They said they would reverse the charge but it would take 2-5 business days for the money to be returned my account. The 2-5 days time has elapsed and I still have not had my money returned. In the meantime I do not have access to my money. This should not have happened, $ XXXX is a lot of money for them to have taken without authorization. I need the money returned ASAP and since it has taken more than a week I also think they should owe some sort of penalty, XXXX knows they would charge me a lot if it was me that had made a payment mistake. What are my options for recourse?

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 2019-05-09
Company: EQUIFAX, 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:
XXXX your bank XXXX is reporting to Equifax validated on fraudulent account, but the account was sold to XXXX XXXX, who state remove account from credit reporton CFPB response XXXX has stated to CFPB that Equifax contacts them over 20 times and they verify account that they have no right to.? I want facts that if you state sold to XXXX XXXX why XXXX keeps reporting it to equifax <Equifax and XXXX XXXX this is for you You validate that account is mine even theo it is not owned by XXXX SHOW EVIDENCE THAT THEY HAVE A RIGHT TO REPORT ON AN ACCOUNT THAT XXXX DOES NOT OWN AND YOU EQUIFAX KEEP REPORTING THIS IS FRAUD REMOVE ACCOUNT OR SHOW YOU OWN IT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My interest rate is high ; therefore my balance increased from {$68000.00} to {$140000.00} through forbearances and deferments. The accounts are also duplicate on my credit report, showing loans belong to department of education, navient, and XXXX. The amounts are duplicate and negative on each account, lowering my credit score. Staff with Navient are aggressive and not willing to lower payments. I am a single mother that can not afford proposed payments. I am also concerned about the rate in which my balance increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Disputed collection from National Credit Systems , Inc regarding a debt that was owe on my credit report in the amount of {$390.00}. First dispute letter was sent on XX/XX/2019 and second letter was sent XX/XX/2019 and the third letter was sent on XX/XX/2019. After three attempts of asking for legal documentation showing where I'm responsible for this debt. I received two letters on XX/XX/XXXX and XX/XX/2019 stating the same thing that my dispute has been investigated, however we have yet to find sufficient evidence to validate the amount owe. They asked if I can provide their company with all relevant documentation and information supporting to show them regarding the debt. And they will only revise or delete the debt if I provide them with information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: BQ & Associates, P.C., L.L.O.
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account has been charged off by the original debtor. It is way past the statute of limitations. It has been sold various times over and over to debt collectors. Ive been a victim of harassment for over XXXX. Since XXXX or longer Ive had wages and bank accounts garnished with no detailed proof that the debt is actually that of mine. Ive requested to see a print out or statement from the original creditor showing a detailed breakdown of every charge. A fraudulent debt from years ago has now turned into this massive debt. I have no idea what I am paying for or how theyve reached the sum of over {$26000.00}. To this day, I have no proof of how the debt was created and again that the debt is actually that of mine. Years ago I explained to the credit card company charges were not mine. The credit card company agreed to look into it. I didnt realize fraudulent charges were made on this card in my name till months later. Unlike today you get a fraud alert immediately. Years ago this did not exist. Back then I was younger, inexperienced and had no money. I didnt know how to fight it or stop it. To this very day, the fraud continues to haunt and plague me. It is like a curse. I spoke with an attorney representing the firm in XX/XX/XXXX explaining that I had been a victim of fraud. I told him I would gather whatever info I can get and send it to him. It took sometime to gather all the information after several years had passed. Some documents I had to send for others were in storage. In XX/XX/XXXX, I sent a huge packet of information, police report and other documents indicating stolen identity, forgery and fraud. I then reached out to the attorney debt collector and he acknowledged he had received the documents. He stated the case would go no where if its fraud. However, a year later in XX/XX/XXXX I am still receiving from this same office a letter to collect this debt. I am not certain if there is miscommunication or a change in staff. I am tired of the false charges and the harassment. By their actions they've proved to be the predatory debt collector who prey on the innocent. How insensitive! I feel like the fugitive, accused of a crime not committed. Thanks to you CFPB when I filled a complaint about another fraudulent debt and garnishment you were very instrumental in helping me. As a result the courts granted me back all wage and bank account garnishments that were brought against me over several years for that fraudulent judgement. I have all the document proof I need. Will you please help me end this and clear my name once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019 I sent a fax request for verification on XX/XX/2019 I sent a certified letter for verification as of XX/XX/2019 I had not received any communication from this company ( Jefferson Capital systems ), when I requested information the tried to send it to another collection agency to collect but I also sent a request to that company as well which ( XXXX XXXX XXXX XXXX ). XXXX responded I have attached a copy of there response. Jefferson did not respond so I reached out to them to request that they cease collection and remove this account from my report since they didnt send verification nor respond within the allotted time for fair debt collection. I was advised by XXXX they he was not able to make that decision so I ask for a manager I was then transferred to XXXX who I advised of the situation and my request and I was told that I need to call back to speak with the correct department which I was under the impression they were the department since they both made attempts to collect the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-07
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I recently decided to cancel my Am/Ex due to extensive annual fee of $ XXXX/year and the fact that I don't use the card much. 
Before the closing I wanted to redeem my points to my account ( XXXX ) which translates to {$42.00} or have the card apply to any gift card where the points can be applied and the remainder charged to the card. 
The Am/Ex representative refused both transactions leading me to the conclusion that the Am/Ex wants to confiscate my points as result of my account closing decision. 
This type of action is not only unethical but truly reprehensible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: OpenRoad Lending
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On the date of XX/XX/2019 I was reviewing my credit report and came across an inquiry I did not recognize from Open Road Lending. I called their customer service line and spoke to a gentlemen named XXXX explaining I have an inquiry on my credit report that I did not authorize. I then asked him to verify if their company reported this in compliance with the FCRA consumer reporting laws. He confirmed the application did not have my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/XXXX, I contacted Ally, and spoke with a representative, and a supervisor, concerning my financial difficulties. I explained my wife had been hospitalized recently and due to the recent flooding and bad weather in XXXX, Texas area I was unable to make the {$670.00} payment, because I had been unable to work my usual employment hours. I explained I would pay {$700.00} on XX/XX/XXXX, however the supervisor had no concern, simply speaking to me as if I was not aware of my financial hardship. I explained I have been struggling since my wife became ill and we lost income, along with bad weather since Hurricane Harvey which I had not been able to recover from. I have struggled to pay for the XXXX XXXX for over 5 years, My request to ally for a lower payment or any assistance allowing me to bring my account current has been denied. I explained the vehicle is almost paid off and it seems Ally simply wants to repossess it. I understand my payments are behind, however I continue to pay the debt. I am not avoiding the Ally, I am calling, emailing and requesting assistance. I have to call repeatedly to speak with a representative as if my account is flagged to prevent the call from being transferred. The representative made no effort to assist me, in fact he may have placed the vehicle on a repossession list despite me requesting a payment arrangement. This is unethical, due to the fact I have made payments for 5 years, now the vehicle is almost paid off they claim no arrangements can be made to assist me. The law may allow  this practice, however many people are having financial hardships due to various reasons allowing customers who are struggling to make payment arrangements should be an option.

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 2017-11-19
Company: LEXISNEXIS
State: IL
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 submitted a public record investigation request to LexisNexis X/X/2017. I received a response more than two months after stating that the public record item was verified. In my correspondence, I request the Method of Verification which LexisNexis did not give in clear violation of FCRA. Additionally, they exceeded 30-day response requirements as per the FCRA. They know this because I have a friend who had the same issue recently and LexisNexis in accordance with the FCRA removed the item in question I contacted the court and the clerk was certain there was no verification request from LexisNexis How can this be..? 

Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: KEYCORP
State: AK
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 received a letter from Key Bank dated XXXX XXXX 2019 about Key Bank 's special repayment program and to comply with the enrollment I must comply with their instructions. 
1. Remit the first payment on or before XXXX/XXXX/19 2. Reinstatement : To bring the account current you must make the following payments on or before the dates indicated below. XXXX XXXX2019 Amount Due {$39.00} same for XXXX and XXXX and continue every month thereafter till paid. I paid for XXXX on XXXX/XXXX/19 XXXX XXXX/XXXX/19 and XXXX XX/XX/XXXX19 and have continued every month after that. 
New minimum payment amount : Your special repayment program minimum amount is {$39.00} and is due by your statement due date each month New interest rate is 3.00 % and is a fixed rate. 
What you need to know : There are 8 things listed that I need to know and no where does it say anything about about a late fee of {$37.00} and other incidental charges being charged to my account. I have contacted XXXX XXXX, Single point of Contact person @ XXXX and XXXX XXXX @ XXXX and all they tell me is " we'll look into it, and get back with you '' but that's as far as it gets and " NO RESULTS '' Why should I get charged a late fee of {$37.00} + {$4.00} & {$1.00} in other fees. Total for the month {$42.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
There are accounts and personal information that are showing on my credit report that are not mine. I've called, written letters and etc and still no solution to this problem.

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 2016-11-15
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have requested that Wells Fargo provide a lien release for a deed that has never be used and has a XXXX balance. Wells has closed the account because the account holder has died, and the Estate is trying to sell the property by Friday XXXX/XXXX/16. We have tried in vain to get Wells to provide the lien release document XX/XX/XXXX, we really need this document by XXXX/XXXX/16, we have extended the closing several times, and we are now facing the loss of this sale without that document. 
Please help with securing this lien release document from Wells, we are at our wits end and beyond 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 2018-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am receiving phone calls every day, and sometimes multiple times a day to resolve a missed payment on my credit card. From XX/XX/2018 to today ( XX/XX/2018 ) I have received 21 phone calls. I am attaching screen shots of the phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card
Issue: APR or interest rate

Complaint:
My Interest Rate is 21.15 % which is 3.25 % + 18 %. This is a ridiculous rate! Wells Fargo was unable to tell me how this interest was determined. They could not tell me if my Credit score was an issue, financial position, etc. I believe that this is illegal and a company should always be a in a position to explain how it determines its fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: ERC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in the mail from ERC dated XX/XX/19 stating that I owe {$150.00} to XXXX XXXX XXXX. Account # XXXX. I called ERC and spoke with XXXX XXXX at XXXX XXXX on XX/XX/19 and stated that I have not had XXXX XXXX XXXX and they do not provide service to my address - there is not even the availability to obtain services fromt hat company. She stated that she can not verify me as they do not have my DOB or SSN. I said to remove this from my name as there are multiple XXXX XXXX ( very common name ). She indicated she can not do that. I'm reaching out to file a complaint as it's not fair to assign a debt to me that is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Applying for a personal loan with XXXX we were Informed we had negative information on the credit report. This has been a continuing problem with all three Credit reporting agencies- incorrect data, wrong information missing information. In evry inbstance it has caused us grave financial harm.

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: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient is the loan company. Their payment structure doesn't seem legal. For instance I paid about {$4000.00} in a year to only pay about {$200.00} of the principal. It was automatic payments but then it just stopped. They didn't call and I realized after 3 months no payments were taken out. They accrued almost {$700.00} in interest within those missed months. The principal went up. Now in order for any payments to apply to the principal, that {$700.00} in interest has to be paid off 1st otherwise it carries over to the next month and then keeps accumulating. It doesn't seem fair as my family has been paying all this money for the loan to keep increasing. Last year I had it down to {$23000.00} but today it's over {$24000.00} and that's after paying the monthly + more if we have it. Many months I paid {$360.00} instead of the {$280.00} thinking it would help but NO. The monthly interest is more than the payment!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Skopos Financial, LLC
State: SC
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:
Ive been trying to get this inaccurate information thats being reported on my credit inaccurately for quite some time resolved. This company is reporting an item that was supposed to been off my credit after numerous letters and complaints, with the last one being from the FTC. This company has provided vital information to someone who wasnt/isnt me. They never identified the person they just disclosed my personal information. Which validated my rights as a consumer and the law. This item was supposed to been removed from credit 2 years per the last dispute and complaint and this item is still negatively reporting on my credit. I am demanding that this item is removed immediately. Otherwise I will seek legal action and reach out to the media in regards to this company and their illegal debt collection practice acts.

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