BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-13
Company: Legal Action Bureau Inc
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XX/XX/21 - I have a recording of the call with XXXX from Legal Action Bureau. He repeated called before XXXX CST on XX/XX/21. In addition, when I spoke with him on XX/XX/21 - I put him on hold to research my bank records, as 1 minute passed, I came back to the phone to ask XXXX to hold on another mintue, he aggressively response, " you know this is real and we're going to report it for {$100.00} if you don't pay. '' I tried to explain and he continued to over talk and become more aggressive in his approach.This company should not be in business or XXXX should be fired. XXXX lied and said that if I don't make the payment through legal action bureau by XXXX Eastern time, that it will be reported to my credit bureau. I contacted southern lawn made the {$100.00} payment XXXX at XXXX on verify that I have a choice if I want to pay through them I can or legal action bureau. She confirmed that since I made my payment through southern lawn, she would contact legal action bureau and let them know the payment has been received. XXXX is in violation because one he lied to he's aggressive and he was harassing me. In addition if you listen to the recorded call they did not even contact me the correct way they had the incorrect email and phone number and today yesterday was the first time they contacted me regarding this so that was wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: TD BANK US HOLDING COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Target red card was notified of fraud on my account on XX/XX/XXXX, I told them that all of the charges for XXXX were in fact fraudulent. They mailed me out paperwork which I quickly turned around and mailed back in on XX/XX/XXXX. Even though I sent in the fraud paperwork showing that the entire balance is in fact fraud, they still charged me a finance charge on XX/XX/XXXX. I am worried they are going to attempt to charge me more finance charges. I have officially suspended payment on this account as of today XX/XX/XXXX, payment is due XX/XX/XXXX. They have not sent me any notice that they have received my paperwork even though the 30 day deadline is quickly approaching. I have tried calling Target Card Services and they keep bouncing me around from person to person without any resolution in sight.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX # XXXX is reporting a collection to my credit that should not be on there. I never received any kind of notice for this collection and I only found out about it once I had my credit pulled and saw the account on there. As soon as I found out I went and settled the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.

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 2015-11-21
Company: Receivables Performance Management, LLC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Someone opened a cell account in my name. I disputed it with XXXX and XXXX, while XXXX deleted it because the account is not mine, XXXX did not. The name of the company is RECEIVABLES PERFORMANCEAccount Number : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: SUNRISE CREDIT SERVICES, INC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a collection account with Sunrise Credit Services where in XX/XX/XXXX I sent a certified mailed letter asking for them to validate the debt with my signature stating I owed them. They failed to respond. I contacted them in XX/XX/XXXX and was told they are still awaiting the information from the original creditor XXXX XXXX, but got no response. In another attempt, I filed a complaint with CFPB against them ( complaint XXXX ). They responded by stating they aren't reporting to any credit bureaus which is false. I contacted them again and a supervisor refused to get on the phone stating I needed to contact XXXX XXXX. I have contacted XXXX financial on multiple occasions, and they have told me the debt was purchased by Sunrise Credit Services.

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 2016-12-05
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I called Navy Federal per my agreement with them since my bankruptcy that I would keep making my monthly payments to keep my home out of foreclosure and was catching up bit by bit. They told me I 'd get a letter accelerating the balance but they would n't send it to attorneys as long as I completed their borrower 's assistance packet which I returned to them via mail & they confirmed receving it. I have made every payment faithfully except in XX/XX/XXXX I was unable to reach their Loss Mitigation Department who is the only person that will process my payment. I was out of the country and called as soon as I got back to make two payments and that 's when I learned they hired their lawyers after receiving my response packet. I 've made XXXX payments in the last 120 days and am under a Federal Home Loan Modification. I 've told this law firm that and they said " well you have no rights to see a judge so we 'll just foreclose anyway unless you pay the full balance today. '' I do n't have the full balance of my mortgage. I returned all of the borrower 's assistance documents to Navy Federal in XX/XX/XXXX and never received any response from them. When they got my paperwork apparently they just hired this crooked law firm to throw me out. I have gone XXXX over the mortgage and I request an investigator be assigned to look into this. I told them I dispute the debt because to foreclose now is illegal they just said to e-mail them but it wo n't stop anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
For the last 2 months the balance reported from XXXX XXXX has been incorrect. One payment of XXXX was made XX/XX/XXXX. I was given a payoff of XXXX which was paid XX/XX/XXXX. XXXX then renigged on the payoff balance after giving me the quote over the phone not one but twice leading me to believe that late fees would be waived. While on the phone the XXXX, a payment was made at a local branch of XXXX and immediately once they saw the payment in the system they transferred me to a different department and told me they were not waiving late fees and refused to close the account til i paid {$280.00}. As upset as I was, I did pay the final payment of {$280.00}. This payment was made the XX/XX/2021. 

I filed a dispute and XXXX did not even fact check and deemed the balance accurate. Even though when you called the number to verify the balance owed as of XX/XX/XXXX, the automated system told you the final payment was made of {$280.00} and the account was now closed. I called Transunion and explained this on XX/XX/XXXX. They told me the case will continue til XXXX verified the amount owed. I wake up XX/XX/XXXX XXXX to an email saying Transunion checked this and the dispute was closed and I still owed {$1500.00}. Transunion did not accurately investigate and closed the case without doing a thorough investigation. This loan is paid in full and needs noted as closed.

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 2015-04-22
Company: Genesis Lending
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I 'm a former student of XXXX University. I was forced to take out their privatestudent loans referred to as a " XXXX '' loan '' in order to continue my studies. Iwas not aware that I was out of Federal funding. I took out XXXX loan in theamount of XXXX. A few months later I was told I had to take out anotherloan in the amount of XXXX in order to graduate. So in all, a total of XXXXin XXXX separate loans with an interest rate of 6 % on each loan. I 'm currentlyunemployed, and will only pay XXXX a month on XXXX loan. I was also under theimpression that XXXX students were being awarded relief of 40 % on thesefraudulent loans. As of this day, I have not received any decrease in theamount I owe, and I was wanting an explanation as to why. In my opinion, allof these loans need to be forgiven. This school maxed out your Federal fundswithout your knowledge, and then forced you into their XXXX loans to eitherfinish your studies, or graduate. This school is corrupt, they are thieves, andwhat they have done to so many students like myself, is despicable. My nameis XXXX XXXX, I am a part of the original " XXXX XXXX ''. I made a trip toXXXX on XXXX XXXX, and met with the DOE, CFPB, and Dept of Treasury. Ipersonally asked the representative from CFPB why I had n't gotten any reliefon my XXXX loans, and he said it was being sent out in waves. I check myaccount daily and nothing. I also have not received a letter informing me of thestatus of my relief. 
XXXX XXXX

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 2016-10-20
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Its been more than 4 years that we have requested unsuccessfully access to the table that the First Bank used to compute the prevailing maximum rate for the conventional mortgage from XX/XX/XXXX to XX/XX/XXXX and also we have send First Bank a certified letter on XX/XX/XXXX describing in details why we are requesting that table. The certified letter was received but until this day has n't been answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: TX
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/2020 XXXX XXXX XXXX XXXX # XXXX ) add a derogatory mark on my credit report per XXXX XXXX upon, further research, this account was transferred/ sold and i am no longer responsible for the account. Debtors ' creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA ( XXXX XXXX XXXX XXXX # XXXX ) has violated my rights as a consumer and i am requesting legal action to remove this account immediately.

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 2017-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XX/XX/2016, someone used my account information to make a {$1000.00} purchase at a XXXX store in XXXX, TX. I saw the transaction and immediately contacted Bank of America to inform them that this was a fraudulent charge. I was at work and had not made the purchase. They opened a claim and reviewed it and eventually stated that it was not fraudulent since a PIN was used for the transaction. I filed a police report and contacted Bank of America once again informing them that it was fraudulent and provided them a copy of the police report. I explained to them that I know that there have been incidents where consumers ' account information including access to PINs has been stolen. They reopened the case and again denied that it was fraudulent even with the police report and my statement. They refused to replace the funds into my account.

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 2015-12-01
Company: Southwest Credit Systems, L.P.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
SOUTHWEST CREDIT KEEPS CALLING MY CELL AND PARENTS PHONE IN VIOLATION TCPA, THESE ARE ROBO CALLS AND HAVE VOICE AND CALLING LOGS ETC.. 7 CALLS IN 3 DAYS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-05-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
We requested that our checking account be closed on XXXX occasions. Our account was not closed & we were penalized with {$1200.00} in overdraft fees. In late XXXX / early XXXX we called the 800 number to request our account be closed. We were informed our account had to be at a 0 balance for XXXX days before we closed it. We were switching all of our ACH and credit card payments, and had informed all of our vendors the account was closed, yet some were still trying to debit our account and suggested we close it immediately so the ACH charges were returned and processed through our new account. We called the 800 number again a week later to request the account be closed and were XXXX again told it had to be at a zero balance for XXXX days. By this time, hundreds of dollars in overdrafts accrued because some of our vendors were still trying to ACH, but from our new and old accounts. If the account was closed the payments would have been returned and our vendors would not have charged us. 
We then went into the branch to tell them we needed to close our account with {$700.00} in cash. We were told there were still ACH items pending and they would not close it. We went into the branch again to speak with the manager, the manager informed us that we were lied to, that our account could have been placed " on hold '' and we could have paid the fees back in XXXX and closed our account. They then placed the account on hold and in between that meeting and the account being on hold, we accrued more fees. Wells Fargo then threatened us with collections for {$1200.00} + in OVERDRAFT FEES. These were simply old gym memberships, and a few other ACH items that we had switched to our new bank, but, were inadvertently submitted. These were not checks, or debit card uses, we were not continuing to use the account during this time. Wells Fargo lied to us the XXXX time we tried to close the account when we had {$300.00} in overdraft fees and as a result billed us for over $ 1200+.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: CL Holdings LLC
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I received an email from XXXX stating I had an outstanding balance of {$2100.00} sold to the debt collection company, XXXXefferson Capital Systems LLC. The problem is I never authorized the creation of a XXXX account in my name and was never aware of the transactions taking place on that account, seeing as they were from XX/XX/XXXX and they were done without my authorization through the work of a third party email that used my name and other credentials to create a scamming account. When I realized this, I immediately contacted the debt collection agency and was directed to file this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Wells Fargo sent me back my check I deposited but never notified me then charges me over {$500.00} in overdraft fees XXXX of them for spending XXXX cents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-15
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
on XX/XX/XXXX I had tried to use my Bank Card and my account was overdrawned so upon going to the website looking at my account I noticed that a few unauthorized transactions had been taken out of my account and so when I got off work I called the fraud team at the bank to let them know about these transactions. She informed me that the money had been taken out by my debit card which is hard to believe cause nobody but me has asset to my Bankcard or pin number. On XXXX/XXXX/16 I had XXXX transactions XXXX for XXXX and XXXX for XXXX which I stated to her I know nothing about she said they came from a XXXX Branch , I know nothing about that Branch only been to the XXXX at XXXX XXXX XXXX the only branch I know about in this area, she stated that they would pull the film from the camera to see who was at the branch at the time, I want to see who it was also cause I have XXXX dollars missing from my account. Then on XXXX/XXXX/2016 somebody withdrawn another XXXX. from my account that I know nothing about. So if any kind of investigation was done than you would know that it was n't me and could n't have been my card cause I had my card with me at work on both of these days and I was working on the XXXX XXXX. So now I recieve a letter that the transactions were authorized by me if they were where is my money cause I surely did n't get it? I have no idea where my money went and she want to tell me I authorized these transactions well I do n't even know how the money came out the bank but she says my bank card which is so not true cause my card is in my purse at all times.This is fraud and I turned in a fraud report and I want this fully investigated cause my money is gone and somebody has to account for it. I also had a problem with Huntington that was never solved where XXXX XXXX took funds from my account that was n't supposed to be taken and I gave them the paperwork with no charge on it so surely my XXXX. should have been refunded to me. Now if any film were pulled you did n't see me at the machine cause I do n't even know where that branch is, my money should have been put back in my account. my husband has his own card. He never uses my card and I do n't bother his. So if it 's not me or my husband getting the money out nobody should have it is mine and my husbands account so neither of us got the money where is it I do n't work for the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
on prior pages of complaint form I could not find the right questions regarding my problem so chose the closest to my issues. 
here is my problem. 
on XX/XX/2021 my XXXX Bank of america depit cart was hacked and all my money, in the amount of {$4800.00}, was stolen. I filed a police report and file a claim with BofA several times during the year, but BofA was keep denying my claim, I filed with fraud department also, they keep asking me to identify and verify my identity few times, which I did, first time went to bank and verified my ID and signature and second time I faxed them my ID. Every time I filed a complaint they denied my claim, saying " unfortunately we're unable to approve your recent claim '' saying that I took and transferred money to my checking/saving account. I have several checking and saving accounts with Bank of America, if they do detailed investigations they will find out that I did not deposit or transfer any money during that time and amount of {$4800.00}. that money was my XXXX money, my only income during covid because losing my job. 
thanks hope you will be able to solve this issue.

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 2021-01-13
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
JEFFERSON SYSTEM LLC FROM XXXX XXXX  MN. 

REGARDING 5 YEAR OLD XXXX DEBT I AM XXXX, SET THEM A LETTER AFTER 4 YEARS ( WINDOW OF TIME IN PA ). AFTER THE 4 YEAR PERIOD + TOLD THEM BY MAIL THAT THEY WERE NOT TO CONTACT ME REGARDING DEBT. 

THIS XXXX AT XXXX RECEIVED A CALL THAT THEY ARE TRYING TO COLLECT A DEBT AND THEY COULD TAKE LEGAL ACTION. OUT RIGHT LYING, 1 ) VIOLATING AFTER BY MAIL INSTRUCTED THEM NOT TO 2 ) OUTSIDE THE PA 4 YEAR WIMDOW 3 ) THE IMPLIED THREAT OF ANY POSSIBLE LEGAL ACTION THEY MAY TAKE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: Creditors Bureau Associates
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
A negative report was placed in my credit file in the amount of {$1000.00} without even sending out a letter or phone call to notify me. I got my annual credit report to find that Credit Bureau Associates # XXXX in XXXX, Ga placed a negative notation on my credit. This was not my debt. The Credit bureau looked my information up posted it and did not even notify me by letter or phone before negative report was placed in my credit file. If they had sent out a letter beforehand i could have told them that I have never needed services that required XXXX services.

Company response to consumer: Closed with explanation