BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-14
Company: Stellar Recovery, Inc.
State: FL
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 REVIEWED MY XXXX CREDIT BUREAU REPORTS AND I NOTICED THAT I HAVE STELLAR RECOVERY COLLECTION ACCOUNT I SENT A NOTICE OF DISPUTE DIRECTLY TO COMPANY I HAVE NOT HAD ANY RESPONSES

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-27
Company: Praxis Financial Solutions, Incorporated
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I filed various complaints. With Consumer Financial Protection Agency against XXXX XXXX XXXX XXXX XXXX Texas forcing me to pay charges.of {$1300.00} and {$930.00}. 
I can not pay and l am on Permanent XXXX Lifetime and Retired.and on XXXX Lifetime and Retired. 
I am also a XXXX XXXX XXXX XXXX Veteran. 
XXXX XXXX XXXX in XXXX XXXX Texas are Harrassing and Retaliation. 
Their collection Agencies is calling me after XXXX on weekdays and weekend. 
I am on XXXX for my Permanent XXXX Lifetime.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: FIRST HORIZON BANK
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
XX/XX/2016 I closed my First Tennessee checking account as no matter what amount I had in the account they found a reason to still charge me for the checking account. Then XX/XX/2016 a direct deposit was sent to this account. Instead of rejecting it, they put it in my closed checking account and then, started charging the closed account, my home equity yearly fee, checking account fees plus a bundling charge. I did not know this until 2 days ago they sent me a email regarding my home equity acct. otherwise I would not have know this had happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX and XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a XXXX XXXX cell contract I signed as a XXXX for XXXX XXXX XXXX XXXX XXXX when out of business The debt was with a different collection agency XXXX XXXX XXXX I file a Consumer finanse Complaint and it was removed Now it shows up with a different Collection agency Southwest Credit System When does it end

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had a payment schedule that went thru ACH for XXXX on XX/XX/XXXX. I had no funds in account and the bank let the charge go thru instead of reversal like they did a previous payment before hand. On top of the insufficient fund my account has been hit with 3 extended overdraft charges for XXXX, which has put my account way over than what I can actually pay. The bank knew my account was XXXX out and let the charge go thru unlike the week before they reversed an ACH which my account was hit for XXXX on XXXX, XXXX. The ACH was paid for to where my account was at a positive standing!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I do not know where to start to be honest. I am XXXX and can not maintain my house any more and had to move out. I tried for a modification and was denied then tried for a shortsale and bank of america tells me i did not complete a modification. this is utterly ridiculous. i have been trying to do a shortsale and they denied it because they said i did not turn in a bank statement. it was uploaded in XXXX. bank of america also said i can not do a shortsale because i did not do a modification, i have news for you i have worked on a modification with XXXX XXXX for about XXXX months to get bank of america to open the file in XXXX and work on a shortsale. so the negotiator XXXX XXXX told me the file is declined because the home is vacant, however it is a guidline that if hope was vacated because they are XXXX and can not maintain the property a shortsale can take place. that was what i was doing but this man denied the file because he could not reach me. declined because he could not cal me. finally he called me and spoke to me for about XXXX hour PLEASE LISTEN TO THIS CALL he said the file should not have been declined and would get the file back to XXXX XXXX and she would re open the shortsale. this was over a month ago. i called in last week to check on status because i was not contacted and some person at bank of america tells me the property will foreclose and that the shortsale was never in the works ... .omg it is in XXXX and been a shortsale for almost a month ... ... .wow verified stupidity. they said i have to be reviewed for a modification. i am meeting with a attorney the AZ Dept of housing refers and letting them listen to the conversation of bank of america stating they made a mistake and will fix it. so far this has not happened. this is ridiculous and i can not even type anymore as it is so painful all i have been through. i am so upset. please do not foreclose on me and approve the shortsale. i even wrote the VP XXXX XXXX at bank of america and he never responded. what is happening is wrong and this is horrible. the lawyer says he will take it on and has cause so that is good but who wants a law suit i just want this to be over approve the shortsale and move on with my life!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-25
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Back and.forth emails about XXXX XXXX procedures and deflecting resolution to myself and my employer. No action to contact their partnered XXXX XXXX to research and assist me Opened new Chime account for payroll direct deposit set up through our company 's employee self managed direct deposit payroll portal. Account was immediately live to remit XXXX. Pay date was XX/XX/XXXX and no funds deposited as of XX/XX/XXXX and confirmed all week no rejection was received by my employer. 50 emails to support and no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: HW Holding, Inc
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hunter Warfield Inc has fraudulently reported a debt against me. The false debt is from a 3rd party creditor for {$680.00} but they will not provide any dates nor supporting documentation over this debt and was told I need to prove it is not mine or pay. It's not a real debt, therefore there is nothing for me to reference to show it's not mine and this fraudulent claim has now stopped my mortgage refinance because of the credit drop. Local police have been contacted for ID Fraud against them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX, I opened a checking account with Huntington Bank. The banker advised me of a {$200.00} promo for opening the account. He entered a code which generated a paper with the requirements that I needed to follow. There is no way to have this generated paper without a code being entered. As the 90 day period was ending and having met all the requirements, I called customer service to find out when the bonus was going to be credited. This call was on XX/XX/XXXX ( 90 days were over XX/XX/XXXX ). I was told " YOU DO NOT HAVE ANY PROMO CODES ATTACHED TO YOUR ACCOUNT- NO PROMO ''. After my shock, I told her that I even had the generated paper. She asked me to call the branch. 
Log in dates : * XX/XX/XXXX -- spoke with XXXX XXXX at the bank who told me to email her the paper and that she would take it to the back and have the promo code attached. 
XXXX -- get an email from her stating that I needed to wait another 14 days and if I did not get the bonus to call her and she would try to insert the promo code on the back end. She also said that the person that open my account XXXX was out and that I would have to wait until the following week. 
XXXX -- called branch to check on XXXX- left message XXXX -- sent email to XXXX XXXX - VP of Huntington - never received a response XXXX -- called branch again- still no return call from XXXX. 
XXXX -- called corporate office and spoke to XXXX XXXX the is the highest level of consumer issues. She said that she was going to check on this immediately. 
* XX/XX/XXXX -- called XXXX she told me that XXXX told her that he remembered me, that he entered the code and the paper was generated. He told her that I was definitely owed the promo. She needed to check with " her people '' to see when the promo was going to be attached. 
* XXXX called corporate again- XXXX told me that she was still investigating and talking to her people. She assured me that I am certainly owed the promo but that I would have to wait possibly another 2 weeks. She would let me know. 
* XX/XX/XXXX - never got a return call. Called XXXX again. This time I asked her if I could speak to some of her people, that maybe I could try to expedite things. I was told that she is they highest person I could speak to. That I would have to deal with her only on this issue. 
Today is XX/XX/XXXX ( account was opened XX/XX/XXXX ) and I still do no have my promised bonus amount and when I called customer service to follow up they told me that there still was no promo code attached to my account at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have submit complaints about this and Equifax is willfully not participating in compliance of the laws. I have submitted proof that this false and damaging information is false. Neither the data furnisher nor the court is communicating this false items and therefore must be deleted. This has been investigated and is well past 30 days. They are breaking the law and need to pay. These items were not verified in my past disputes, they keep lying. They need to do their due dilligence and delete these items as XXXX has done because they want to stay within compliance of the law. This information is not true and therfore must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: Experian Information Solutions Inc.
State: TN
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:
There are many mistakes appear in my report without my understanding.

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 2018-01-05
Company: Central Portfolio Control Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Central Portfolio Control callback number is XXXX. Has contacted me several times starting XX/XX/XXXX. On XX/XX/XXXX they called and spoke to me directly. Since then they called again leaving messages on XX/XX/XXXX and XX/XX/XXXX. 

In addition to these calls and messages on my phone. They called my place of employment on XX/XX/XXXX, and my grandmother on XX/XX/XXXX. 

They have already spoken to me, and have all of my contact information, they should not be calling third parties.

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 2021-12-25
Company: Conn's, Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I gave filled a dispute in regards to incorrect items on my credit report. it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: EQUIFAX, INC.
State: DE
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Hello, First of all thanks a lot for having a forum that listens to the customer voice against big banks whose main motive is to make insane amount of money on taxpayers bailout. 
I am writing this complaint against bank of america who have defrauded me to the tune of {$700.00}. I deposited a check in XXXX XXXX from my dad 's XXXX bank account. After a month passed i noticed that the check never cleared. I did n't get any notification from BOA and when i inquired they mentioned that the check did n't clear because the signature did n't match. I looked at my statements and i noticed that they initially cleared the check and gave me the money that i never withdrew ( because i was told its an international check so wait ) but then they took the money away {$700.00} more than they deposited. I was really shocked to see that how can that happen. The check was not mine, it never cleared, it was not my fault and then they charged me {$700.00}. I have been going door to door but BOA does n't care because i am not their multi XXXX dollar corporate client. Please help! 
Here are the detailsThey gave {$7200.00} that i was told to note take out and then took away {$7900.00} - {$610.00} for a check that was not mine or not my fault at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-29
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have been charged an overdraft fee of {$86.00} from Iberia Bank and I am concerned. When I checked to place the balance of an amount. I called on XXXX/XXXX/16 or around that time and I had an incident with a fee and it could not be reversed from the company. I had to leave and go to XXXX just came back and saw an overdraft fee in the amount of XXXX odd dollars. The day of the overdraft I called and asked for an overdraft fee not to be placed on my account. I have had discusions before which have been very cordial with this bank. When I go to this particular branch there is a lady who is quiet rude and at times, maybe does not realize how condescending she may sound, XXXX. That has not been the first time with me, I am a student and I travel which at times it is hard to go into a branch. I called XXXX and that is where they transferred my call to. I have just come back to see this amount on my account ending in XXXX. Iberia Bank. The corperate number is 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 explanation
Consumer complaint received 2016-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
In XXXX 2013 I got letter from Bank of America that my mortgage with them sold to XXXX. And the letter was saying all my payments should go to XXXX in Texas. I had first mortgage payment of {$4300.00} and line of credit payment of {$33.00}. Both of these payments I did send to XXXX. Later I was shocked when Bank of America sent me letter I was way to late on my line of credit payment of {$33.00}. I did contact them and explain that BOFA letter was saying all my mortgage payments goes to XXXX. But Bank of America respond was : '' not my line of credit '', which is letter did n't specify. Now my credit score damaged, because of this issue. All my communications with BOFA to try to remove issue from credit report went to dead end-no cooperation at all. Please help me to remove this item from my credit report for XXXX and XXXX of 2013. 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 2015-09-16
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am writing regarding my Signature student loan which was not certified by my school and after getting copies of my promissory note, it seems I would not have qualified for the loan and the loan amount over exceed the cost of tuition. Further, this loan was disbursed to the school and when I did not attend school the money was never returned. Please see the attached note and advice as to next steps to get this discharged. I am currently in repayment status and can no longer afford my payments. 

Thank you, I believe that the school falsely certified all my loans, the school closed and it never returned the UN used money. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: Experian Information Solutions Inc.
State: NV
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:
There are 2 accounts showing in collections that I never opened

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 2020-04-16
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XXXX of 2020 someone kept calling me posing as a process server asking me to confirm personal information and implying that there is a Court filing against me, the person was elusive as to who they worked for, however I linked the call to Afini Inc collection agency Th is person continued to call and threatened to go to my place of employment and my home. 
The debt they are trying to collect on is for {$250.00} and the original creditor is XXXX. 
Shortly after the seventh phone call the debt appeared on my credit report In XX/XX/2020 I sent a cease and desist letter, after Afini, Inc received my letter. As a retaliatory act - the company flagged the account as a grid code G to significantly damage my credit. 

The above mentioned collection agency acquired this debt from another collection agency of which I filed a formal complaint against for harassment and failure to validate the debt as a result the debt was removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: ID Analytics, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have requested that these address be remove from my credit file they are not mine. I need a copy of my FULL XXXX XXXX XXXX, XXXX, Sage Stream. Please remvoe the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation