BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-27
Company: BB&T CORPORATION
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
CLAIM AGAINST BB & T, WHICH THE CFPB REGULATES, FOR VIOLATION OF CONSUMER PROTECTION LAWS In XXXX 2014 ( my dispute with BB & T has gone on for months ), I called the Fraud Division of BB & T and reported criminal activity on my account. XXXX Sunday, I found myself locked out. I called the office of a company which purported to be in the locksmith business. I told the dispatcher that I needed to have my front door opened and a mailbox key made. He told me that the price for the work would be {$120.00}, which I agreed to pay. However, when the locksmith finished the job, he presented me an invoice for {$440.00} and threatened me physically if I did not sign the invoice. Under those frightening circumstances, I signed. I may have gotten a few facts wrong when I reported this incident in my initial letter to the bank, but I was so traumatized by these events that I had to process them with the help of a psychiatrist, and I shook each time I discussed them. 

A few days after the incident, I filed a report with the XXXX XXXX XXXX Police Department. XXXX XXXX took the report. During our discussion, he mentioned that the Department had received complaints from XXXX other individuals regarding a swarthy looking man who had done some locksmith work on their property and had threatened them physically into signing an invoice several times greater than the amount that they had agreed to pay.. 
Four or five months into this debate, BB & T insisted that I provide the bank with a copy of the police report. I went to the Police Department and requested a copy, but they could not find it in their files. The Department 's failure to produce the report was not terribly surprising to me since I had filed a prior complaint with the Department on a totally different issue and they could not find that report in their files either. 

I have exchanged several letter with BB & T 's Assistant General Counsel XXXX XXXX on this issue. She insists that I produce a copy of the police report before she would refund the {$310.00} that BB & T had deducted from my account. I have explained to her numerous times that I did not sign the invoice voluntarily but only because my life was threatened. I also told her that I refused to be penalized for the carelessness of the Police Department in maintaining its records. 

This is a case where a bank is oppressing a customer -- simply because they have the power, and the customer has no power. 

I hope that the CFPB can help me get my money back. Many thanks for your assistance. 

Sincerely XXXX XXXX XXXX XXXXXXXXXXXX Landline : XXXX Cell : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: EQUIFAX, 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:
All the accounts on my Report are Fraud I Never give Authorization to anyone to open these accounts I'm very stress out about this situation Please help me Resolve this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Fail to Send a Written Notice of the Debt The law : Within five days of initially contacting you, the collector must send written notice of the debt that includes : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt I WAS NEVER CONTACTED OR MADE AWARE OF THIS DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: Navient Solutions, LLC.
State: IN
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A representative from Navient offered affordable monthly payments, stating that I had to make sure to pay for 3 months, and then I would be entered into a reduced interest program. 
My husband and I agreed and began making monthly payments. At that time I also began looking into repayment options, such as grants, forgiveness, etc. I was approved for {$7800.00}. I called XXXX and to ask about directing the allocation of the additional funds to completely pay off XXXX of my smaller loans, leaving only XXXX larger loans. I was told that I could not do that until the funds were received. Once the funds were received I called back and was told that I could not decide how my funds were allocated, but was advised to email a supervisor and ask. I was also informed at this time ( 6 months of on-time payments later ) that I had not been put into the reduced interest program, due to missed payments. I was told that missed a payment the month that XXXX received {$7800.00} which was two months after I should have already been in the program. I then received XXXX letters in the mail thanking me for my partial payment?! I have only paid the full amount that was initially agreed on. I never received a reply from the person I emailed, but I did call back. After that next conversation my excess funds were reallocate to pay all but XXXX cents of XXXX of my loans, but left {$460.00} on the other XXXX that it was suppose to pay off completely. I continued to call in order to have it done correctly ; in fact, I call back about XXXX to two times a week now. I have spoken to over XXXX different people and have been told that what I am asking for is possible and legitimate ; however, I ca n't seem to find the XXXX person that handles this. I have been told by all representatives that they are working on it. Yet it has been 5 months since the excess funds were sent in, and 10 months of regular on time payments, I have still not been put in the reduced interest program ( despite being told several times that I am eligible and will be entered into it that day ), I still have not had my funds reallocated, and XXXX still reports to the credit bureaus that I am not paying, despite nearly a year of on time payments and {$7800.00} in excess funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
the company is Navient and they are repeatedly calling me several times a day 6 days as week. Today they called me three times in an hour. when I called to ask themto em to stop calling me everyday they were rude and denied the calls from today and told me that the calls will continue until I make arrangements. I am working on it but calling several times a day everyday is harassment. 
They also sent a letter to my aunt making her believe that she won a contes. They also harass her telling her that she needs to pay. She lives on Social Security now and they will not remove her from the loan because she is officially XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
At this time, I respectfully request a copy of my Experian, XXXX and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, OK XXXX. Your professional cooperation will be greatly appreciated. 
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 2015-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
My wife wrote a check out of our XXXX account for {$1500.00} on XXXX/XXXX/15 and mobile deposited into our XXXX to pay off our car. On XXXX/XXXX/15, this amount came out of our XXXX account and was credited to our XXXX acct. We shredded the check after 30 days. On XXXX/XXXX/15, Georgia 's Own charged our account back {$1500.00} saying that the money was sent from XXXX to Bank of America because they have the physical check. 

We have NO accounts with Bank of America and there is no record that Bank of America has tried to send this check to XXXX and our account has still not been credited back at XXXX since XXXX debited our account {$1500.00} on XXXX/XXXX/15 ( 1 week ago ). 

We have spoke with several people at XXXX and are told that the check cleared on XXXX/XXXX/15 and they have no info that a check was presented anywhere else. I believe that money is being embezzled or stolen because there is no other check, yet my {$1500.00} is gone. I have received copies of the cleared check from XXXX and it was deposited into XXXX and has my XXXX acct # listed on the back. 

My banks and I have spoken with Bank of America and they are refusing to release information regarding this check that was sent over to one of their account. I am getting the run around because I was first said they needed to speak with XXXX and me, then XXXX and today they need written request from both banks. Both XXXX XXXX XXXX are sending written requests. This is either a clerical error or fraud and all I want is my {$1500.00}. Bank of America should be willing to confirm whether or not they have a check so that my account can be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Inaccurate reporting of a tradeline to all XXXX CRAs. Refusal to validate debt as required by law. Inaccurately reporting to all XXXX credit bureaus. Have not validated account/inaccuracies between reporting for all XXXX bureaus. Incorrect Account On Credit Report from XXXX XXXX XXXX Credit card account with the account is showing on all XXXX bureaus. They are all also showing different information for activity, status, and history. Payment history on all XXXX agencies XXXX, XXXX, and XXXX do not align. There are multiple charge off dates, as well as dates closed. I have contacted multiple times requesting the history and paperwork for this account and given no details on this account or information that is validating. No contract has been received by me, showing that I opened this account. Creditors are required to report accurate information to all XXXX CRAs, and Portfolio Recovery is not in compliance as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card
Issue: APR or interest rate

Complaint:
I recently noticed on my Bank of America credit card statement that interest was charged that was different from that which had been advertised, and the APR was shown incorrectly. 

I had responded to a balance transfer offer that specified an interest rate of " XXXX plus 0 % Promotional Rate for the life of your balance transfer ''. 

The most recent statement shows that Promotional Rate, with Promotional Rate End Date as " No End Date '', but lists Balance Subject to Interest Rate as " {$0.00} ''. Instead, there is another line for Fees showing a " XXXX Interest Charge ''. 

Bank of America regularly sends " Notice of Change In Terms '' to me. One of them stated : " If the total of the Periodic Rate Finance Charges for all balance categories is less than {$1.00}, then a minimum Finance Charge of {$1.00} will be assessed on the account in lieu of any Periodic Rate Finance Charge ''. 

Thus this fee is described as a finance or interest charge and should be included in the calculation of APR to be disclosed on the statement ; such a higher APR is not in accord with the advertised promotion. 

Another " Notice of Change In Terms '' stated that " ... the amended agreement ... will apply to the total outstanding balance, including the balance existing before the amendment became effective ''. It is not clear that such an amendment can modify a specific advertised promotion with an advertised ending date, as that would constitute deliberate false advertising. 

Please look into this.

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 2015-07-22
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have disputed with Experian an entry on my credit report for XXXX XXXX XXXX. I have also disputed it with the company, XXXX XXXX XXXX to no resolve. I became aware of the entry when I was denied credit a few months ago. I was not aware of this debt. Since my original dispute, XXXX XXXX XXXX updated on my report that they received the account from XXXX XXXX XXXX. The inaccuracy in my report is that XXXX XXXX XXXX is not reporting the correct 1st Date of Delinquency. My account became delinquent with XXXX XXXX XXXX in XXXX 2010, which means that XXXX XXXX XXXX should be reporting the same delinquency date if they are stating they own the account. I have never paid them anything and just find out they owned the account a few months ago after applying for credit. I have communicated with Experian and XXXX XXXX XXXX with no resolve. XXXX XXXX XXXX continues to say they are researching the information while continuing to report inaccurate information on my report. Experian states that they investigated and verified but neither organization has provided me with anything from the investigation. I submitted correspondence to both. I have enclosed letters that I have sent and a copy of the report I am referring to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: Pacific Home Loans, Inc
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
We received a letter dated XXXX, 2015 that the buyers of our property were pre-approved for credit with Pacific Home Loans, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. ( XXXX ) XXXX. 
The buyers XXXX XXXX XXXX XXXX agreed to purchase our home, and we went into a 60 day escrow, starting XXXX XXXX, 2015. At the end of escrow, we were informed that they did not qualify to purchase. We moved thinking escrow was over in XXXX, which our realtor XXXX XXXX XXXX said they had heard nothing, that the escrow was going as planned. The buyers are now backed out, and are not paying the EMD deposit of {$3500.00} to us. We now have to pay all the bills for XXXX places, which is unfair. XXXX Home Loans should have let us know before escrow ended. We would not have had to move so soon. 
The property address that they were purchasing is XXXX XXXX XXXX, XXXX XXXX, CA XXXX. We are still trying to sell the home. We would like to file a complaint against XXXX XXXX XXXX & request they pay us the {$3500.00} that was due to us. If not, we will be forced to file a court case. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX ( XXXX ) XXXX ( XXXX )

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: Financial Credit Service, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXX XXXX account I have never owned. I wrote to them to request all records but they have returned nothing to me. 
12 years ago I had an account with XXXX XXXX but that was closed. Nothing owed. 
Could this be another fake XXXX XXXX account - at a different level? The debt collection company name is : ARA Inc., XXXX. XXXX XXXX, XXXX XXXX, IL XXXX and they are claiming to collect XXXX XXXX XXXX account number XXXX. ARA file # XXXX {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: Trident Asset Management, L.L.C.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Trident assessment management showed up on my free credit report and has never contacted me in order to collect any debt nor has validated my alleged debt. The date showed up as XXXX and was on my credit report in XXXX. They maliously smeared my credit score and I have never had any time nor information to settle this alleged debt before they took unlawful action. I have contacted a lawyer and this is my last attempt to settle this before I take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-25
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Progressive Management Systems is the agent for XXXX XXXX XXXX have stated in a letter dated XX/XX/XXXX " XXXX XXXX XXXX XXXX has informed us that these accounts were initially cancelled as they were attempting to bill your insurance provider ; however, the above referenced accounts have been re-activated due to the fact that your insurance coverage termed as you were not eligible tfor the dates of service. Also you did not present your XXXX insurance information to your client and they were not able to bill in a timely manner. '' First, no services occurred on said dates in the total amount of {$150.00} dating back to XX/XX/XXXX. False billing. Second, if more XXXX was needed all that needed to be done was to contact my doctor and get authorization for more service. XXXX insurance was provided from day XXXX. Progressive Management Services and XXXX XXXX are irreputable institutions and have falsely accused me of monies owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: EZCORP, INC.
State: TX
Product: Payday loan
Issue: Can't contact lender

Complaint:
Just got another call from a " XXXX XXXX '' from an UNAVAILABLE phone #, who said he was a XXXX XXXX Process Server trying to let me know he was coming to my work and/or my home to serve me a subpoena. He said the party that wants me in court is EZCorp and to call them at XXXX to stop it. I told him I had never heard of someone getting a heads up call for a subpoena and asked if he actually worked XXXX and he said yes. Well, I called the # and got a " XXXX XXXX '' with verification who said this was for a lawsuit from a loan they say I got on XXXX XXXX, 2010 ( I did not get XXXX then, possibly a year to 6 months before but I know for sure I did not get XXXX during that time or since that time. Either way they said they were in contact with a list of people as references, My father, my brother, to name a few, to get this handled and have been unsuccessful. I was transferred to a female named XXXX and then back over to a XXXX. He was giving me my person information including last XXXX of social and my entire drivers license #. I told him I did n't recognize EZCorp as a loan, and especially on that date. And he tried to say I was lying because someone went in there with my ID and got the loan and now I supposedly owe thousands and they are going to have my drivers license suspended and he repeated my actual drivers license # off to me. I told him I did n't think they were legit and I was not paying for something I did n't sign up for. He said he would see me in court so I hung up. I did n't even think to tell him that the State of Texas statue of limitations on debt is 4 years, which this would be past then for sure. This is n't the first time I have heard of this from EZCorp people telling me this and I keep telling them to send me proof and they tell me to quit playing games and that they know what " I did ''. Even still, I google searched this found the CFPB reached a settlement with them for saying these same types of statements. I would have thought with the settlement, they would stop but it is still continuing. I also was n't contacted to sign up on the plaintiffs with CFPB so why would this EZCorp still be contacting me?

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 2021-01-19
Company: ProCollect, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I initiated a dispute with the company ProCollect , Inc on XX/XX/XXXX about the validity of debt and then about settling the debt and getting it removed off my credit reports on XX/XX/XXXX to no avail. I've tried to email and get ahold of a Mr. XXXX but I'm not having any luck. It is now XX/XX/XXXX and I'm still not getting anywhere with this company. I've mailed out a dispute letter 3 weeks ago to settle this debt and no response from this company. I want this account removed from my credit reports now! They agreed to remove the account after several disputes and complaints last year yet the account is still reporting. The account # is XXXX. I attempted to call a Ms. XXXX at the number XXXX ext. XXXX on XX/XX/XXXX but I didn't get a chance to speak to anyone. I called the customer service number and asked to be transferred with Ms. XXXX and the call was dropped. I want this account removed from all credit reporting agencies and I need something in writing stating they will remove the account. Thank you!

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 2015-12-02
Company: ALLY FINANCIAL INC.
State: MI
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
At the end of my lease in 2014, I turned in my car to the dealership when I picked up my new car. After Ally Financial picked up the car from the dealership, they assessed lease-end fees of $ XXXX. I was able to settle with them for a lesser amount, which I paid in the time requested to settle the account. Due to a system error on Ally 's part, they reported that negotiated difference as outstanding and it was sent to collections. I was able to get this corrected with Ally, but my credit report still shows that as a serious delinquency, even after it was corrected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation