BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-14
Company: Financial Corporation of America
State: OK
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The Federal Poverty Guidelines allow emergency providers to waive the full amount or a % of the bill should a financial hardship be determined that would effect ones ability to pay. All emergency hospitals have a form they give out for the financial hardship waiver to determine eligibility but XXXX did not do this even after my request instead they sent me over to a debt collector and they do n't understand what it is that I 'm saying to dispute the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: American Coradius International LLC
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I have repeatedly told American Coradis that the loan is not valid and that they should stop calling my job or my home. I have repeatedly asked on the phone for proof of debt and that I signed any documents for the loan. They have not provided such proof. I sent a letter advising them to cease phone calls and provide me with proof. They have not complied, yet they keep calling. Apparently someone I used to know had a student loan that I cosigned for and was approved for numerous forbearances, and then defaulted. I was never notified that there were forbearances and default until years later. I did not approve this. I need them to stop harassing me and provide the proof that I have asked for on so many occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
First Merit Bank is harassing me now because I previously filed a complaint against it with the CFPB. Earlier this year I closed my account with First Merit Bank. I also filed a complaint with the CFPB because the Bank erroneously and fraudulently kept part of my balance. Because of my complaint, the Bank gave me the monies due me. Now, on a letter dated XX/XX/2015, the Bank writes that my CLOSED account was overdrawn on XX/XX/XXXX. Because the malicious and fraudulent action by the Bank to make my CLOSED account overdrawn LONG AFTER it was closed, it is reasonable to conclude that the Bank is RETALIATING against me. The Bank, by its malicious actions, is now ruining my credit history, which was perfect without any overdrawings while the account was open.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My bank is small and only in Michigan. I was out of town for 3 weeks and needed to make a deposit via an app in order to avoid an overdraft fee. First Merit Bank does not allow overdrawn accounts to use any online/app features. So I was unable to make the deposit necessary to avoid the overdraft fees. They also would not close or suspend my account ( because it was overdrawn ) to avoid the overdraft fees. So XXXX {$35.00} overdraft fees were charged for being {$0.00} overdrawn with no means available to me to make a deposit while out of state, or stop further overdraft fees from being added. First Merit asserts that I must pay these fees or have them negatively affect my credit rating. This is the definition of criminal activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-16
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I am making {$100.00} payments to Springleaf Financials lawyer, XXXX XXXX XXXX, XXXX. I was unaware I was being sued when I called to set up the payments last month after getting behind. This month, Springleaf closed my account and I was served papers on Sunday. The original amount financed was {$3100.00}. They are suing me for sum of {$4200.00}, less interest of {$780.00}, less insurance of XXXX + attorney fees of XXXX with a CONTINUING RATE OF INTEREST OF 35.99 % UNTIL PAID.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
In XXXX through XXXX XXXX, I disputed the judgement with XXXX XXXX XXXX ( XXXX ) located in XXXX, AZ. The complaint was issued through www.consumerfinance.gov. Upon reviewing my complaint, this information requesting the payment of {$4000.00} was removed from my credit report when XXXX failed to validate/verify the account information. Now, XXXX is re-inserting this information with a different balance of {$7200.00}, ( XXXX XXXX XXXX XXXX XXXX XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: National Credit Systems,Inc.
State: NM
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Continuing and Escalating Concerns of XXXX, the Work Number then, XXXX and XXXX. 

( X ) Contuined Fraud ( X ) Theft ( X ) Scamming X ( Collection ) ( XXXX, XXXX ) Public Notice {$10000.00} National Credit Systems XXXX XXXX {$1600.00} X ( Creditor ) ( XXXX, XXXX ) XXXX XXXX XXXX XXXX {$840.00} X ( Past Employers ; XXXX XXXX ) ( XXXX/Work Number ) XXXX XXXX XXXX No FICO Score ( XXXX )

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MT
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Combine my wife and my income, the total is about {$XXXX}, yet the reason for denial is excessive obligations in relation to income. Your typical rubber stamp denial for minorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: National Credit Systems,Inc.
State: AR
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:
1. I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an collection account ) and negatively affecting me. 2. I would like this debt to be removed from my profile as it 's reporting to the Credit Bureaus and negatively affecting me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: Nair & Levin, P.C.
State: CT
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:
the Law Firm of Nair and Levine, debt collector for the XXXX XXXX XXXX XXXX XXXX, is taking me to court for a debt that I have disputed for over 7 years for exhorbitant billings based on estimates, and faulty equipment, which was on my credit report, then removed after I wrote the CEO XXXX XXXX explaining the situation believing he would see my good faith efforts in trying to resolve the issue that was placed on my credit not due to come off for another year and blocking me from obtaining a mortgage. Rather than a reply the matter was turned over to debt collector and a scheduled court date is XX/XX/XXXX. The company in the collection of this debt has threatened me, mispresented its billings, embarrassed me publically claiming I owe this bill when I have disputed it from the first billing. I have tried every way to resolve this matter that is only met with the alleged bill increasing in what I am said to owe, other issues including the malicious litigation that is scheduled this week. I continue to dispute this debt for which from the status conference on XX/XX/XXXX, it is obvious that the purpose is just to grant the company and debt collector judgment and taking action to secure money for them that I have strenuously protested through out that I do not owe. I have documents to support all my defenses and what I setforth in this complaint.

Company response to consumer: Closed
Consumer complaint received 2015-07-07
Company: National Credit Systems,Inc.
State: GA
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:
Company is knowingly reporting incorrect amount of balance owed. Supervisor of collections account has been told many times and shown proof of amount that is owed and refuses to update account and continues to increase amount of balance owed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Continental Services Group, Inc. d/b/a ConServe
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never had any account or agreement from CONSERVE also was never notified of any debt collection. CONSERVE also has no documentation or loan paperwork as evidence of debt per my repeated request to have sent to me on the debt which is a violation of federal laws stating Providing validation to consumers to prove the right to collect debts

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: National Credit Systems,Inc.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Collection Account remain on credit bureau report after 50 day processing dispute reviewed by FDCPA along with Collection Letters submitted in violation FDCPA violations Remove from all XXXX credit reporting agency debt collection inaccurate disclosure and verification delete all collection from all XXXX credit bureau agency

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: National Credit Systems,Inc.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
National Credit System is continuing to report misleading and inaccurate information on my credit report. Which is a tatic used to keep my credit score low. Account reporting ONE MONTH TERM, How is this possible? I never enter into any contract or signed any documents with this collection agency. They have no right the furnished any information on my credit report. I never gave them any permission. They should be shut down. They are taking advantage of XXXX VETERAN like myself. They are adding XXXX to my life and is making it impossible for me to obtain credit. I have only few weeks to buy a home but National Credit Sytems is making impossible by reporting misleading and inaccurate information or my credit report. 

All data reporting must be 100 % accurate, 100 % verifiable and 100 % timely or it must be DELETED. PERIOD!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: Penn Credit Corporation
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call non stop. They rang my phone non so for so long the portable phone died and needed to be recharged all night. 

They were very rude to my wife and they call after XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: National Credit Systems,Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Client was evicted from an apartment after rent was withheld because of livability issues. The eviction went through the court process and a judgement was entered for {$1300.00} plus court costs. On the credit report, a separate debt collector is attempting to collect {$3700.00} for the same incident. A debt collector should not be able to collect on a debt that has already gone through the court process and furthermore they should n't be able to ask for an amount that is exponentially higher than the judgement amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: CASHCALL, INC.
State: NC
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I took out a loan from Cash Call XXXX 2014 for {$1000.00} with monthly payments of {$190.00} a month. I lost my job in XXXX of 2014 and continued to make the payment. I called them to make arrangements in XXXX of this year. Because of my unemployment I told them I was unable to make the payment. They would call me about XXXX different times from numbers from PA, OH, IN, CA, TX and NC. All of the calls were less than an hour apart and sometimes back to back. Even when I speak with them, they would call me back hours after to continue the harassment. It is very stressful and causing so many issues in my life. I have advised them that this is harassment and they can not legally do that. If I missed the payment, they would debit my account with XXXX day notification and refuse to stop it causing me to go in further financial hardship. I told them my account is going to be closing and they debited my account again thus keeping my account open until fees are satisfied. They refuse to stop debiting the bank account for over 3 months and every month is the same thing. I being abused by the reps on the line and bullied by them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Klarna AB
State: TN
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:
Klarna is a credit card company assisting retailers. They provide credit cards to customers so customers can purchase from retailer. 

XX/XX/XXXX - Retailer issued credit to my fully paid Klarna card on prior purchase. 
XXXX - Nothing happened. 
XXXX - I contacted Klarna to ask for refund. Only communication option was a " chat ''. Chat rep advised the refund was " applied today ''. Impossible for a refund to take a month to apply, so I'm immediately questioning truthfulness. The rep told me I would be refunded in " 1-7 business days '' XX/XX/XXXX - No refund. I go to chat again. The rep tells me the need to " connect you with our finance department '' Then the chat goes dead and no more response. Then I can't connect to chat anymore, like I'm cut off. I advised I'm filing with CFPB. Waiting to hear back and this is me filing complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XXXX, without notice, XXXX XXXX XXXX force closed XXXX of my accounts without any notifications, reason, or consent. When I asked them for a reason, they said I would receive mail detailing the reason ( which I have not received ). They did not tell me I still had a {$25.00} balance on one of them. 

Fast forward today, I noticed a derogatory mark on my TransUnion report. I called into XXXX XXXX XXXX today asking why there was a derogatory mark on my credit report. They initially claimed it was because I failed to make payments for 60 days. When I pressed with information that it was closed in XXXX, they claimed it was closed without my consent for some " internal reasons. '' The account was set up to auto-pay {$25.00} each month until the balance reached XXXX. After running my second to last payment in XXXX, they closed the account with {$25.00} remaining and provided no way for me to see what account was closed, what balance remained, and any methods to pay off the remaining balance. 

XXXX XXXX XXXX offered to submit a form to expunge this record from my Transunion report, but stated that because it was in collections, I could not pay off the {$25.00} to XXXX but instead needed to go through Transunion to find the collection agency and pay off the balance there. I called Transunion to file a dispute of the record and find the collection agency responsible for the {$25.00} debt. Transunion claimed that the balance was not in collections. 

Lo and behold, XXXX XXXX XXXX also failed to notify me that they reported the " delinquency '' to XXXX as well. Now I am not sure if they reported it to XXXX or any other agencies. After spending an hour with XXXX to dispute the mark, I found it ridiculous that I had to clean up XXXX mess. This should be XXXX responsibility to clean up the mess they caused. They intentionally harmed my credit report and provided no means to settle the remaining balance, which I could happily do right now. 

I am in the process of purchasing a house and XXXX XXXX XXXX is costing me both opportunity costs and higher interest rates as a result of their mistake. Please CFPB, set XXXX XXXX XXXX straight.

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 2023-01-05
Company: EQUIFAX, INC.
State: PA
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
We wrote a check for our rent in the amount of {$1400.00}. When it finally went through, Wells Fargo had changed the amount to {$1700.00}, sending the account into overdraft. We have spent over four hours on the phone over two days trying to get them to rectify the error as overdraft fees accumulate. They refuse to allow us to send them proof of the mistaken amount ( a scan of the check provided by our leasing office ), or reverse the error so that my wife 's account can be positive again. In addition, they keep insisting she needs to call them again the next day or wait for their call, which is nearly impossible because she works XXXX for XXXX straight hours and is not allowed to go have an hour long conversation while at work.

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 2016-03-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I ask that your supervisors look into a complaint sent in last year concerning ( BOA ) Bank of America and execute an administrative proceeding on my behalf. On the first complain which I submitted to your bureau, BOA unnecessarly foreclosed on my home due to failure to conduct a modification in a timely factor, refused my right of appeal and inadequate service in calulating our income and financials. By your bureau contacting BOA, there office of the president refered me to there consumer advocate which was suppose to handle the concern but it conducted themselves in the same manner which caused the unnecessary foreclosure due to there neligence. I would appreciate for your supervisor to look at previous documents and documents which I will enclose in the mail with file number, in case BOA have lost again, so this matter can be resolved and BOA pay redress in equitable monetary relief and damages for there mishandling on the matter. BOA has given me the run around since XXXX and its now XX/XX/XXXX. The BOA advocates kept passing me along and asking to resubmit documents and statement they should already had multiple times and still making the same mistakes.

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 2017-01-02
Company: WELLS FARGO & COMPANY
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Hi sir/ Madam This is XXXX XXXX i booked tickets with XXXX Airline through XXXX Travel Agency right away they sent me an email which mentioned that your reservation is canceled then i was sure it is canceled. I booked tickets with different airline After two days my account was charged by them then i contacted them to refund my money back they did not and i contacted my bank too they did not give my money back. i have proof every thing they do not respond me positive.

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 2016-10-12
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I got a reminder notice from XXXX XXXX claiming they never received my payment and charging me a {$2.00} late fee and threatening to disconnect my water service for nonpayment. I paid the bill through nfcu 's online bill pay as I always do and it was supposed to be delivered by XXXX XXXX. I do n't know why nfcu DID N'T pay my water bill but this needs to be resolved IMMEDIATELY. The customer service from nfcu lately sucks!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: WELLS FARGO & COMPANY
State: CT
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Deposits and withdrawals

Complaint:
Went to Wells Fargo on XXXX XXXX XXXX in XXXX, CT to make a minimum withdrawal from my IRA. The person at the bank called the IRA department because she was having trouble completing the transaction. The IRA department told her that the IRA systems were down because the Bank was going through a conversion and told her to tell me to come back after XX/XX/XXXX.

Company response to consumer: Closed with explanation