BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX I received a letter from ; XXXX XXXX Employee for Bank of America for my correspondence and documents needed to process my loan modification application. The letter also stated if you do not contact us within 15 days from the date of this letter XXXX XXXX. 2015 your case will be closed and your home loan will return to normal servicing. Note : XXXX XXXX on about XXXX My husband XXXX XXXX called:XXXX Requested to speak with XXXX XXXX in reference Loan XXXX He was denied to speak with XXXX XXXX XXXX by B.O.A. Home Loan Team Texas Office Employee XXXX XXXX concerns surrounding the process of speaking with XXXX submitting documents several times with no correspondence from XXXX regarding the Loan.Employee XXXX XXXX stated she would have XXXX XXXX XXXX call at XXXX XXXX. Note XXXX XXXX never called XXXX at XXXX as stated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I used a template found on the CFPB site to dispute this account and they failed to properly validate the account. I followed all the steps the CFPB told me to take so I feel that this account should be deleted from my credit report since they failed to properly validate and send me everything that the CFPB says I can request.

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 2015-05-18
Company: WELLS FARGO & COMPANY
State: OR
Product: Credit card
Issue: Balance transfer fee

Complaint:
Hello, During XXXX of 2015, I received a low interest rate offer from my credit card company, Wells Fargo, in my monthly bill statement promoting " Superchecks '' that were linked to my credit card account. The offer is for 2.9 % APR for 12 months. The offer states that the superchecks may be used for " balance transfers '' or as you would use a personal check for " purchases. '' The offer clearly distinguishes balance transfers from purchases, and only states that there will be a balance transfer fee. 
After using XXXX of the superchecks for a purchase, Wells Fargo charged me a " balance transfer fee '' of {$110.00}. I called Wells Fargo credit card center and the representative recommended I go to my local Wells Fargo branch to get the issue resolved, which I did on XXXX XXXX, 2015. Branch Manager, XXXX XXXX explained that since it was a credit card issue there was nothing she could do. She was also unable to show me in the offer where purchases are also subject to balance transfer fees. 
On XXXX XXXX 's advice, I contacted the credit card center and spoke with a manager. I spoke with XXXX XXXX, who was also unable to show me where the offer states that purchases are subject to balance transfer fees. He explained to me that there was nothing he could do to remove the fee from my account. 
Wells Fargo Bank failed to inform me that a " purchase '' is the same as a " balance transfer. '' The offer is misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25
Company: Dynamic Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Dynamic recovery solutions keeps calling me after they have said they 'd cease all communications. I do not owe dynamic recovery solutions or anyone else any money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-28
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I, XXXX XXXX HAVE BEEN FRAUDED SEVERAL TIMES FROM 2 COMPANIES. ON XX/XX/XXXX XXXX XXXX XXXX   TOOK {$2900.00} FROM MY MASTERCARD XXXX AND ON XXXX ANOTHER {$1900.00} FROM MY VISA CARD XXXX. THIS COMPANY TOOK ADVANTAGE OF A SENIOR CITIZEN AND DID ABSOLUTELY NOTHING AND REFUSED TO REFUND ME MY MONEY..A COMPANY CALLED XXXX  XXXX XXXX TO {$1400.00} ON XX/XX/XXXX FROM MY CHASE MASTERCARD XXXX THEY DID THE SAME THING.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: Patrick K Willis Company Inc
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
My mother is in debt regarding her vehicle. " XXXX '' " XXXX XXXX '' from XXXX has called my home and cell numbers repeatedly. They have called MY NEIGHBORS to ask if they know my mother and why she is in debt over her XXXX vehicle. This is an embarrassment and violation of sharing information with a XXXX party. When I called and told them to stop, they called me back and harrassed me further to talk to my mother. I asked them for an address for his business. He refused to give it. I asked him for the phone number from which he is calling. He refused to give it. He continued to ask to speak to my mother. I stated he was in violation of law for continually calling me and for contacting XXXX party people and sharing information about my mother 's debt. When I continued to repeatedly ask for his address and phone number he hung up

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I applied for a home equity line of credit from Bank of America mortgage department on or about XXXX XXXX, 2015. 
After months of delay, we were told by XXXX XXXX, manager, XXXX x XXXX that they should have the information available by Friday XXXX XXXX. They did not call and we have not heard a word since. The following week they were called and told to stop the application and return all of the reams of information that they required immediately. 
Again no response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02
Company: CITIBANK, N.A.
State: CO
Product: Credit card
Issue: Billing statement

Complaint:
Macys is charging me {$2.00} per month on account with a zero balance. Violates undue enrichment laws. Attempts to rectify or even get a response other than " oh sorry, you should call us '' and zero responses to emails. Have joined class action process at XXXX Macys is also reporting this paid off account on all credit reporting sites as " delinquent '', negatively affecting my credit scores.

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 2015-08-28
Company: EZCORP, INC.
State: TX
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I have had a loan with TX EZ Money for several months now and as of XXXX XXXX, 2015 I was informed that they were going out of business and my account would no longer be accruing interest I would just be responsible for the principal. 
Today I called in to make a payment as scheduled and I was informed by XXXX, an employee, that she was going to refer me to another payday lender so I could apply for another loan to have my loan with TX EZ Money paid in full. 
I told her I was not interested in applying for another loan with another lender and that I would continue to pay my loan on my regularly scheduled day. 
After 45 minutes I received a call from XXXX XXXX payday loan asking me to go in and fill out paperwork and take all the required documents to apply for a new loan. I do not believe that this is a fair practice. I am no way obligated to try and get another payday loan from anyone and they shared my information with others without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: CHARLES SCHWAB CORPORATION, THE
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX XXXX  Charles Schwab sent me a letter saying they decided to close my account. After numerous phone calls they refuse to provide any information as to why. They did so abruptly without any notice causing direct deposits into my account to be blocked, causing me a lot of financial problems. I was a customer for over a decade.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I was approved the AMEX XXXX card on XX/XX/2017. And I have spent XXXX in purchases within the first six months. I just want to get my additional XXXX bonus Starpoints. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I started by writing a letter approximately a year ago, letting them know the debt was being reported incorrectly. Since that time, without getting any response, I disputed the charge with XXXX credit reporting agency ( it was " verified '' which was a lie ) and hen a few months later, another CRA ( also " verified '' ). I have not followed through in getting it corrected as vigorously as I should by filing a complaint or suing because I 've been XXXX but I have done more than I 'm required to do and still they call and send letters improperly trying to collect the debt. This morning, when they called and I told him I do not owe the debt and that I am a current XXXX customer, they nastily insisted I prove it when all they have to do is call XXXX to check! And said I never wrote to them to dispute it but I did and I possess the receipt to prove it. My next step will be suing in state court if this report does not bring about a correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: AFNI INC.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I have been contacting XXXX, XXXX, & XXXX for over a year to have them remove the " open '' collections that clearly states it was discharged thru my bankruptcy. XXXX has since removed these from my credit. However XXXX and XXXX has then reporting as " open '' not only that I am showing XXXX collections for the same debt that was discharged. I 've made several attempts to have these removed from showing open collections with no results, except from XXXX. I understand these are in my bankruptcy, however they are not " OPEN ''. I have been discharged from these.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: AFNI INC.
State: MS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I recently discovered a collection on my credit report from Afni, Inc. on XX/XX/2016. Unfortunately, I received neither a copy nor notification from the company informing me of this debt. I understand that under the Fair Debt Collections Practice Act 809 ( a ) states : Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ... 

I was not made aware of this debt until I saw it on my credit report. I have had no debt notices from the company fulfilling the requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: CNG HOLDINGS INC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I disputed the debt on my XXXX report which was in the amount of {$1800.00} that was completed XXXX XXXX, XXXX and is now deleted after investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12
Company: AFNI INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I called AFNI yesterday XXXX/XXXX/16 after receiving an unfamiliar bill in the mail several times. I tried to explain to the rep ( XXXX XXXX ) that I have disputed this debt before to no avail and sent in a letter requesting validity. I asked if I could speak with a supervisor as I would like this resolved, because I would like resolution and verification I owe it. She immediately became defensive and aggressive. First she stated, " All of the managers are in a meeting and I 'm the Senior Manager on the floor right now. '' I asked if I could call back and speak with the supervisor directly? XXXX stated " He 's gon na tell you the same thing I 'm telling you! '' This is where the conversation took a turn for the worse. I asked XXXX if I could have her supervisors name, so I could call back and speak with him. She aggressively said " XXXX! '' I asked if he had a last name ( XXXX is quite common ). She said " He can give it to you when he answers! '' Confusion set in. I could n't figure out why she became upset when I asked for her superior and I do n't understand why she treated me so aggressively. My intent was not to get her in trouble, but to get someone to verify this debt or at the very least point me in the right direction. I explained my plight to her again.When the call started ( check the recordings ) I told XXXX that this was an ongoing issue and I still have not received validity of debt. I told her I was frustrated and I made it a point to mention I was NOT taking my frustrations out on her. I let XXXX know I am interested in resolving this, and she did not try to assist me. I told her I would like this removed from my credit if there is no verification of debt. I even offered to just pay a settlement to have it deleted. I ca n't sleep at night!! XXXX screamed " We do n't do pay for deletes!! '' I asked for a supervisor again with the intent to get resolution and to get my point across because she became to aggressive to deal with and she kept over talking me. 

Reluctantly, she said I can talk to XXXX XXXX in the consumer relations department. I left her a message, but after my experience with AnitaI am scared to speak with another rep from this company. I do n't like being attacked when I clearly said I want to get to the bottom of this. Im certain this is a form of harassment according to the FDCPA. This bill is hindering me from progressing in life. Please remove this debt and all negative reporting from my report because I have NOT been furnished with validity of debt after numerous attempts Thanks in advance for what I hope is a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: The Affiliated Group, Inc
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received phone calls from ACS collection agency around XXXX of XXXX regarding a medical debt that did not belong to me back from XXXX of XXXX. I tried to explain the situation at the time and was threatened with legal action. I called the hospital the charge was from and spoke with billing where it was discovered I had the same name as the individual whom the charge belonged but different birthdays and social security numbers. As well as the fact I have never been to that facility and was in XXXX when the charge occurred. I was assured the situation was resolved and I never heard from the collection agency or medical facility again. On XXXX XXXX, XXXX I discovered on my credit report a medical charge filed by ACS Collection agency for the same medical expense that was supposed to have been resolved when I called them in XXXX of XXXX. The charged was filed with the credit reporting company on XXXX XXXX, XXXX. This charge does not belong to me and I was told the issue was resolved.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent this collection agency multiple letters via certified mail. They have never responded to my disputes or provided any documentation to prove the alleged debt. They never sent me any validation letter either within 5 days of the initial communication which is a violation of 15 USC 1692g. They also have violated 15 USC 1681 s-2 by never responding to a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: Atlanticus Services Corporation
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX XXXX, 2015To : Consumer Financial Protection Bureau XXXX XXXX XXXXSome one open a Credit Card with FORTIVA, dispute resolution, XXXX XXXX XXXX XXXX, XXXX XXXX with card # XXXX XXXX XXXX XXXX. I NEVER hold a Credit Card and I NEVER purchase goods or services. 
Some person use my personal information, this is fraudulent purpose. 
This report to your Bureau, Thank you for your attention the matter. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-02-18
Company: Dynamic Recovery Solutions, LLC
State: NY
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:
I received a letter from Dynamic Recovery Solutions stating that owed {$3000.00} to XXXX XXXX XXXX XXXX XXXX and that the original owner is XXXX XXXX. I do not owed any money to XXXX XXXX or XXXX XXXX Services. I wrote a letter to Dynamic Recovery Solutions disputing this debt and requested proof that both the debt and the creditor are valid. This is a scam and I do not want this to affect my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-29
Company: Vital Solutions, Inc.
State: OH
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
A creditor sent me a fraudulent bill for {$1800.00} in XXXX XXXX. I sent the creditor a letter to cease all communications and confirmed that I disputed the charges. See attached letter. The letter was sent certified and the United States Post Office records confirm it was received by the creditor. 

Recently, I received a letter dated on XXXX XXXX, XXXX to attempt to collect the fraudulent charges. According to the Fair Debt Collection Act, a debt collector can not contact me since the original creditor was notified. Note that this is INDISPUTABLY a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
couple years ago I went online to view options for student loans. I ran across sallie mae as an option. I went to website to view options. I have never actually took out a loan with company and never received any funds from company. They started harassing me daily and took money from my taxes and now my finical aid is on default while I am trying to further my education. may you please help me so that I can start school and get these scammers off my back! thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
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 decrease my monthly payments

Complaint:
Name : XXXX Loan Company : Navient over the last XXXX years I have been making my payments on time. I got laid off XXXX weeks ago, the company ( navient ) claims that they can not provide me with any relief even though I 'm unemployed. Then I asked them to lower my payment and put me in some sort of program, to do that they say they must speak to my cosigners, these people are elderly, my XXXX is dealing with my XXXX XXXX, my XXXX is dealing with a theft and robbery, my XXXX is on a fix income older lady. They are asking to speak to them during these difficult times. I understand business, but they could lower my monthly payment I 'm just asking for a very small period of time or some sort help. They have nothing left to say except they must speak to my cosigners I told them I could get the information and they dont want that. I asked them not to put me in a program just to lower my payment by {$100.00} I told them I felt confident that I would find a job soon and should have the funds to make the payment and they do not want to help. I spoke to a XXXX and instead of giving me any help he reiterated the initial statement and told me it was unfair to his company that I felt like they were not giving me help. He was condescending and disrespectful to me. They have all the cards, they dont have to do anything to help me because they know if I dont make my payment they will just put me in default. I'am left with taking money from my food, electric, and phone bill to make their payments because I do not want to go into default. I understand business again my issue is that I have been responsible in making my payments I havent made a late payment in that time period. I just want to add my name to this list because I want people to know before they get in a loan with Navient that they will give you a loan but if you ever find yourself in a difficult position they will not help you in any way to make your payment. The only help they have is " make your payment of go into default ''. People need to know these companies have no XXXX for the people they are supposed to be providing a service to, they want their money and there is no wiggle room. Please research this company before you decide to take a loan out.

Company response to consumer: Closed with explanation