BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-13
Company: Phoenix Financial Services LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I submitted a dispute via XXXX XXXX in regards to an account that had been opened that I was not responsible for : XXXX XXXX - XXXX XXXX of XXXX - opened on XXXX XXXX XXXX in the amount of {$1000.00}. I moved from XXXX, XXXX to XXXX XXXX, XXXX  in XX/XX/XXXX, of which I was and still am able to prove. On XX/XX/XXXX the investigation was completed and the result was in my favor : XXXX  deleted the account on record from my credit report. I went online today to see about what I can do to build my credit and I noticed that a new account has been added in the amount of {$1000.00} so I opened it to see into the details of the account and sure enough it is the same account, except now it's through a *different collection agency and has a **new open date : XXXXPhoenix Financial Servic XXXX XXXX XXXX of XXXX - **opened on XX/XX/XXXX in the amount of {$1000.00}. It is my understanding that this practice is called Re-aging / Re-insertion and is illegal. I have opened a dispute with XXXX XXXX for a 2nd time and I will follow through on that end, but I want to pursue all avenues to clear my name and record and hold these agencies responsible for the negative impact to my Credit Report & Score in addition to the likelihood that I'm not the only victim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
You didn't actually have any categories that fit my complaint so I hope this ends up in the right queue. My complaint is against Bank of America ( BofA ) and XXXX for implementing XXXX policies. Both of these companies took taxpayer money to bail them out of trouble during the banking crisis and they have no right to discriminate against customers just because they support the second amendment. This is bigotry and it's wrong when we haven't done anything wrong. I actually bank at BoA and now I have to worry if they'll start causing problems for me due to my XXXX activities or if I attempt to buy a gun. I've heard that most of the XXXX discrimination is against XXXX   manufacturers but that still doesn't make it right and if that discrimination is allowed then they may start infringing on the personal rights of their customers.

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 2018-05-14
Company: Hollis Cobb Associates
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I continue to receive phone calls from this number some times two times a day. It's been going on for over 5 months or so. Although, I have asked them not to call they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: ARS National Services, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
ARS NATIONAL SERVICES Inc has sent me a notice which is the first letter Ive received from them. This first paragraph is the reason we have the CFPB is around. This is an threatening letter. The first paragraph is THREATENING potential lawsuit and lawyers if I dont respond. This is the first form of contact using scare tactics and threats. This is a direct VIOLATION of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: WESTERN UNION COMPANY, THE
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
XXXX BRL were contracted to be sent. But according to the result of Western Union 's investigation, only XXXX BRL were dispersed by Western Union. Leaving a difference of XXXX BRL that had failed to be sent, per the contract. 

The rate at the point of contract was XXXX BRL per dollar. The following day, the day of payout, the rate was XXXX BRL per dollar for direct bank deposit. There was a lower rate, XXXX BRL per dollar, for a cash pickup, but I did not contract for cash pickup. I would not have agreed to that rate or option, as it was a terrible rate in comparison to other money transfer services. I contracted for a direct bank deposit at the aforementioned direct bank deposit rate, which was XXXX  at the time I paid and XXXX  the following day when Western Union paid my recipient.

Western Union made an error dispersing at the lower cash pickup rate, when what I contracted was for a direct bank deposit transaction.

Western Union acknowledges that the amount paid out was at a rate of XXXX BRL per dollar. This rate corresponds with that day 's cash payout rate, but that was not the type of transaction in our contract. Our contract was for a direct bank deposit. The direct bank deposit rate at time of payout was XXXX. Western Union made an error. But they refuse to rectify their error. They maintain that the clause in their terms stipulating that rates may fluctuate from day-to-day means they can mistakenly use a different advertised rate for a different type of transaction that was not made or agreed to.

Does Western Union believe that it is entitled to make a contract, but then can go forward after execution of the contract and change the terms? Why even pay out any transaction then? Why not change the transaction rate after execution of contract to XXXX, and pay nothing? 

We made a contract. It was understood that fluctuations can occur. But there was an error by Western Union in this transaction. The cash pickup rate was applied to a direct bank deposit transaction erroneously. Why does it take so much back-and-forth to get Western Union to realize and correct it's error? Does Western Union think it can just make grand errors in its own favor, break contracts, and customers will just walk away? Why can't the error just be rectified?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: DriveTime
State: CA
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:
I DONT RECOGNIZE THE INFORMATION FROM DT CREDIT ... IT WASNT ME..PLEASE REMOVE INQUIRIES ... DATE IS XX/XX/2020 ... AND XX/XX/2020 XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am unable to obtain a payoff statement from Bank of America. I have requested a pay off statement online, over the phone and in person. Bank of America has not provided a payoff statement, and I am unable to speak with anyone who is able to provide a payoff statement. I even went into the local Bank of America branch where a nice lady worked for over an hour to find someone who could generate a payoff statement, but ultimately, she was unsuccessful and sent me home. 

It seems unfair and abusive for Bank of America to not provide a payoff statement. It seems that they are trying to force me to keep my mortgage and pay more interest to them. If they are unable to provide a statement soon, my closing will be delayed, which will result in Bank of America making additional money. This unfair and abusive business practice should be illegal ( or maybe it is ).

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 2021-11-04
Company: TRANSWORLD SYSTEMS INC
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX fraudulently obtained service contract. My client is XXXX and did not agree to services. I have written to them in XX/XX/2021 telling them not to contact my client and to go through me. I wrote to Nationwide credit in XX/XX/2021 stating the same. ( see attached ). I again sent a letter to Nationwide on XX/XX/XXXX. In XXXX the alleged balance was {$60.00} and they further sent another letter to my client in XXXX with a {$650.00} balance. This is after I have repeatedly asked for verification of debt and stating that my client is represented by myself, a lawyer. XXXX actually had the nerve to come out to my client 's house just last week.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have reviewed a copy of my credit report and I show company XXXX  XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am appalled that BofA and XXXX are cancelling their long standing relationships with firearms businesses. 

These cancellations have nothing to do with illegal activity or financial soundness, but rather results from virtue signaling on the part of the banks. 

PLEASE do something to stop this social engineering on the part of the banks and ensure equal access to banks for all legal, constitutionally protected, firms.

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 2018-04-28
Company: CITIBANK, N.A.
State: TX
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:
Want to know why citi group is blocking lawful XXXX owners from buying guns. This a violation of the second second amendmen. Lets not forget that my tax dollars bail you all out as well.

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 2020-12-12
Company: Incomm Holdings Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
XX/XX/20 : Noticed I had unauthorized charges made with my card and contacted XXXX XXXX Support to file a complaint/dispute. They said the charges haven't cleared yet and to contact them to file a dispute when they do clear. 
Charges : XXXX XXXX XXXX : {$42.00} XXXX XXXX XXXX : {$51.00} XXXX # XXXX : {$92.00} XXXX # XXXX : {$120.00} XX/XX/20 : Charges cleared so I contacted Instant Financial support again and filed my dispute. They emailed me a dispute pack to fill out and to send it to a third party company named Incomm. I received and filled out and sent the dispute pack that same day to Incomm. 

XX/XX/20 : Incomm emails me saying the investigation is complete and that they did NOT find any unauthorized uses and said my money will not be refunded. They provided a contact email if I have any questions regarding their decision. I attempted to email that address provided and I get an instant response from the mail post server saying the email address I attempted to send to has a mailbox that is full and to try again. I attempted to contact the email address several times and still get the auto response saying the mailbox is full for the email. ( XXXX ) XXXX XXXX XXXX again to see why my dispute was denied and they said I have to contact Incomm via the email address that has the full mail box. ( XXXX ). I told them that I get an instant response saying it wasn't delivered and they told me to keep trying ( which I did and have ) and refused to give me a phone number to XXXX XXXX Dispute department and Incomm 's Dispute department.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: Freedom Mortgage Company
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was handled by XXXX XXXX XXXX when we received the load it was then transfered to freedom mortgage. Somewhere along the way and neither one of them know. {$1600.00} vanished from my escrow account. Now I have to pay it back or my payment will jump {$150.00} per month. I paid the check today although it will put us in a bind for a while.

I've called them three times to deal with this. 
It's pretty simple I pay {$3000.00} a year taxes/insurance/fees I pay XXXX month in escrow which equals {$3100.00} there is no way I'm missing XXXX in escrow I have had for 2 two years.

I see online that both companies have been in trouble for shady policies in the past. How is this stuff still possible after the shady mortgage problems in the last ten years.

How are these companies still allowed to even transfer loans like they do. 
I want this looked at since apparently I'm told a lawyer will cost me more than just giving them the money like I have to do. 
Thanks

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 2021-05-25
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Information is missing that should be on the report

Complaint:
REQUESTED ALL PAYMENT HISTORY MADE TOWARDS CAR PAYMENT. NISSAN DENIES TO DO SO. 
THEY ARE REPORTING THAT XXXX WERE WRITTIN OFF. INCORRECT. 
MADE XXXX PAYMENTS OF XXXX EACH PLUS A 0NE TIME PAYMENT OF XXXX TO RECOVERY PLUS A XXXX DOWN PAYMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: RIA FINANCIAL
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was involved in a scam. The scammer had me do a Ria XXXX to XXXX transfer to a another person. I tried to contact company to see who picked up money. But no response. I transfer {$1000.00} XX/XX/18 at XXXX. To someone in XXXX SC. I want my money back. I know a long shot but I dont want anyone else have to go through this.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: Scheer, Green & Burke L.P.A.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid bill from flexible spending account last year approx XXXX. Received notice from Scheer, Green & Burke, co L.P.A on XX/XX/XXXX That it is now in collections. My flexible spending company " XXXX XXXX '' deleted my account when my files were being transferred to a new insurance. XXXX XXXX is investigating and the new company " XXXX XXXX '' is investigating as well. I've called the law office 3 different times and left messages. No call back. I talked to the receptionist on the 4th attempt.  They had me hold for my case representative but said they were busy. They asked if I was ready to pay. I told them the bill was paid. He laughed at me and then said there wasn't a case representative and did not allow me to speak with anyone else. I told them I was attempting to get proof of payment. As the letter they sent states, they haven't confirmed this amount is actually owed. The receptionist became very aggressive and I let him speak. I asked that he not hang up on me because he was getting upset. He said " XXXX, no one said anything about hanging up on you ok. " They would not let me speak and would only let me setup a payment plan. I asked how long I had to gather documentation of payment and asked what would happen next. The male receptionist said " Well 'honey ' you're gon na have to pay it. '' I asked to hold for my account representative and then he hung up on me. There's been no answer or return calls since then. 
When calling the actual company who says I owe ( XXXX XXXX XXXX XXXX XXXX ) it goes to a pathology department at a hospital and no one knows who this person is. The date of service for this bill is XX/XX/XXXX.  I had no medical procedures done on our around this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hello I've beed victim of Identity theft and fill that it's happen because of the incorrect information that has been allowed to remain on my credit ...

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 2017-08-04
Company: Skopos Financial, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
We purchased a used car from XXXX in XXXX Texas in XX/XX/XXXX. The car value was at {$23000.00} The interest rate was high but due to credit we accepted with the understanding that we could refinance in a year. Skopos Financial informed us that they do not refinance and that if we would go to an outside company we would have to get finance for the value of the car and their interest rate. The car was reposed in XX/XX/XXXX due to non payment because they were not willing to lower the rate, refinance nor allow us to refinance with another financial instate. A company should not be allowed to set the interest rate the same as the value of the purchase. The car depreciated and yet we still owe them {$23000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
In XXXX of 2017 my vehicle was Repossessed, during that time the title was taken out of my name. 
I paid the fees to get the vehicle back and also signed paperwork to have the title returned to my name, I was going through a Divorce at the time and loss track of the matter. I recently went into my local DMV to renew my Registration and was told, I could not get the registration renewal because the vehicle was not in my name, I called Capital One Auto finance and they refused to give me a Straight answer, my Tags are Expiring  soon and I am driving illegally.its been a year since the vehicle was Repossessed and I still don't have a title, so I'm more or less Leasing this vehicle but paying, high interest 21.99 % and high late fees .... 
This had to be XXXX!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a notice of debt from California Business Bureau , Inc. about a bill that I partially paid and informed the clerk at XXXX that I was waiting on the second XXXX card less than 30 days ago. Having just returning from vacation on XX/XX/XXXX I received a letter dated XX/XX/XXXX. In the letter is states " If we do not hear from you within 48 hours from the date you receive this notice, we will assume that you do not intend to pay ''. This is a direct violation of FDCPA and further UDAAP causing a false sense of urgency, deceptive practices, and harassment. 

Engaging in behavior the natural consequence of which was to harass, oppress, or abuse the XXXX in connection with the collection of a debt ( 15 U.S.C. 1692d ) Using false, deceptive, or misleading representation or means in connection with the collection of a debt ( 15 U.S.C. 1692e ) Employing false and deceptive means to collect a debt ( 15 U.S.C. 1692e ( 10 ) ) Using unfair and unconscionable means to collect a debt ( 15 U.S.C. 1692f )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: Experian Information Solutions Inc.
State: MI
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:
See Attachments

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 2021-05-06
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: Information belongs to someone else

Complaint:
ON XX/XX/XXXX I WROTE AND SENT A LETTER XXXX  TRANS, AND XXXX TELLING THE TO PLEASE REMOVE OFF OF MY CREDIT REPORT. TO THIS DATE I HAVE NOT RECEIVED ANY INFORMATION. I HAVE TRIED TO REACH OUT TO THEM AND NO ONE HAS BEEN ABLE TPO HELP. ME. I WILL ATTACH ALL THE DOCS THAT I HAVE MADE AND SENT.

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