BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-10
Company: Amsher Collection Services, 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:
On XX/XX/XXXX I paid off off XXXX bill or shortly after and and started my service with XXXX on the same day XX/XX/XXXX. Later around a month-and-a-half I was sent a bill for {$280.00} from XXXX claiming that they were sending it to collections so when I got my bill I went into the XXXX store and had a conversation about this issue and was told that it was after that if there was 20 days left in the month and that 's what that charge was. Which is illegal to do and I have since gone to them and ask him to show me where it 's listed in their contract and they did not show me because they could n't produce the information. 

Two days ago I called the answer to the collection agency and was forwarded to the internal law office where I spoke to someone that was very rude and did not want to give me any information regarding the charge that I supposedly must pay before they can take it off of the credit bureau butt this derogatory inquired that was placed on my credit is not right because it 's not a credible charge from XXXX which should have been verified by the credit bureau before putting it on to my file. 

By placing this on my credit report it brought my score down by XXXX points or more and he 's threatening 2 damage my credit even more and to take me to court for {$280.00} which is ridiculous. 

I would have made the payment arrangements but I do n't owe the money so why make the payment arrangement I asked could they give me or show me proof that we owed them money and they said no, you no longer are a customer, I was told that l am a client and someone that you have to deal with now! ( Pure Ignorance )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: CL Holdings LLC
State: WA
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 paid a past due bill directly to XXXX who instead of applying the payment to the debt, passed the check on to their debt recovery agency Jefferson Capital Systems LLC. XXXX then claimed that my check (a cashier's check issued by XXXX Bank Bill Pay) was returned NSF. XXXX shows the check as being paid. Jefferson Capital Systems subsequently reported the debt as currently due over XXXX months after payment was made, driving my credit score down dramatically. Neither party will acknowledge responsibility for the error and I have not been credited with the nearly $XXXX payment that was made to XXXX. I have been told that the credit agency has XXXX days to respond to my complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-28
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
while looking at my credit report and scores on XX/XX/2018 i noticed a past due on an account with XXXX. but no contact info was given for XXXX on the report nor a complete account number.This was on my Equifax report, the account shows closed XXXX blance and past due. I sent a letter to Equifax but could not send one to XXXX without contact info to challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02
Company: Convergent Resources, Inc.
State: WA
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:
In 2008 I moved in to a basement apartment in XXXX, GA. When I called to set up the utilities with Georgia XXXX XXXX they put my name on both the upstairs dwelling and the basement apartment. I was only renting the basement apartment. I found out about this because I started getting bills for both units. I contacted Georgia XXXX XXXX to resolve the issue and they never corrected it. I contacted the owner of the dwelling multiple times. He only complained about how horrible the company is to work with and said he would see what he could do. When I moved XXXX months later I closed the account associated with my unit. The other account was not yet sorted out. I told the landlord about the issue and left it in his hands. Fast forward to the present. I have been working on improving my credit. I ran a report on myself to find that the bill is still unpaid and still in my name. Now a collections company is contacting me to collect the debt. The debt is not mine. It appears to be an error from the customer service representative who worked on setting up my account seven years ago. I am upset that a data entry error is now negatively impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
We have had the XXXX XXXX XXXX through Bank of America for the past 14 years. We thought this program was protecting all of our listed cards from fraud and identity theft. We resently had serveral fraudulant charges on our checking account also with Bank of America and were not notified in any way. I had to notify the bank of the fraud. When speaking to a BofA rep from their fraud department, I was informed I did not need this service as my account was automatically protected. 

Two years prior, I tried to cancel this service and was pressured not to cancel as I needed this type of service and protection. 

I feel that this is a bogus service that I have paid XXXX per month for the past 14 years and only recently realized this service does not do anything I expected or thought I signed on for. I expressed these concerns to BofA and was allowed to cancel, today, but no apologies, concerns or help on getting any amount refunded. 

I am thankful that I caught the misuse on my account before it was completely drained.

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 2017-01-23
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
XX/XX/XXXX I took out a XXXX student loan in the amount of {$17000.00} to finish attending my XXXX at XXXX XXXX. I had trouble paying it back initially when I finished school, but came into some money XX/XX/XXXX and paid off the loan in full at a quoted amount from a XXXX representative of {$42000.00} to close the account. That was processed and completed XX/XX/XXXX. Just XX/XX/XXXX, nearly 8 years later, I received a bill from Navient stating that I owed an outstanding balance of {$1300.00} against this particular loan ; a combination of a principal as well as late fees and interest which apparently are accumulating daily while I try to resolve this. I had not received any communication from Navient ever up until this time, nor did I receive any communication from XXXX after I paid off the loan and closed the account back XX/XX/XXXX. Frankly, I thought Navient was junk mail, but I have communicated with the company and am being told that I owe this money. My bank no longer has the cancelled check because it was greater than 7 years ago. I have only a payment history to prove it. I feel as though I am being scammed for this money and I actually do not have the funds to pay it now, nor are they offering me any kind of solution that will allow payment plans and slow down the interest progression. They are claiming the amount is due to fees incurred during " transit '' of my last payment from the time I wrote the check to the time it was entered into the system and placed against the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Deposits and withdrawals

Complaint:
XXXX First, Assistant VP of Bank of America at their XXXX XXXX XXXX, XXXX XXXX, MO XXXX branch, seized a personal check made payable to me when I tried to cash the check. Refused to give it back to me and said it was their property, not mine, because the check was written by a Bank of America account holder.

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 2016-03-20
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
When I registered for college I was assured I would find a job and the college would make sure of it. It was a terrible experience. New instructors every month, always out of supplies, incorrect test answers, the whole thing was a mess. I got an externship but then lost it and the school refused to help me get a new one. I never got a degree and I owe thousands in student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Recieved call stating BOA had aquired a loan from prior to 2010. Being very ill, I gave my wife permission to speak with them. She was extremely RUDE and kept telling my wife not to interupt her. She would NOT tell her anything except Bankj of America had just aquired the loan & they want thier money. When my wife tried to get any info as to what the loan was about, she said we could settle the debt right now but would not say anything more than it was an old loan that BOA had just aquired and no other info from whom the loan was aquired. She finally said we would be sued and taken to court and abruptly HUNG UP on my wife. I called here back and tried to get the info from her. She was so rude and ignorant, I could not believe this woman. She said " NOW YOU WANT TO TALK TO ME '' " if you want to know anything, ASK YOUR WIFE. I wanted to know how I can settle a debt when she would not tell me who the debtor was. I have to admit I became HIGHLY AGITATED and did use some abusive language and hung up on her when I could get NO INFO and all she was doing was yelling at me. My wife called back and tried to talk to someone else and they once again immediately hung up the phone without speaking, as soon as they determined who was calling. 

To summarize this whole situation. The person who called was XXXX and she was mean and very rude. She told my wife this debt has to be settled today but would not reveal from whom BOA aquired the loan. After giving us NO INFO she said to ge3t a lawyer because they are going take us to court and sue us. I 'm not sure if the company name and representive is correct. They did not identify themselves except to say there is a claim against me. The phone numbers were left on the answering machine and taken from my caller ID.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I bought a Toyota Camery XXXX on XX/XX/2016 from XXXX XXXX Toyota and I bought all the warranty they offered me includ Gab insurance and they explained to me that Gab insurance pays the difference if the private insurance did n't cover what I owe to the bank and the I had accident and was n't my fault I reported to my insurance and they paid me XXXX and They sent the check to Toyota and I was waiting for Gab insurance to kick in and pay the rest but I was surprised when they paid only {$390.00} and now I have to pay the rest which is almost {$9000.00} however, the GAB insurance should coverage but they cheated and lied to me and really I do n't know what I should do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: The CBE Group, Inc.
State: OH
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 have a a unverified account from CBE GROUP # XXXX. I had previously disputed this account. I have never done business with CBE GROUP. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt purport I owe. I request that CBE GROUP Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CBE GROUP Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: CITIBANK, N.A.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I applied for a Citigold Checking account using the promotion code XXXX with offer terms stating that " The bonus ThankYou Points will be credited to your existing ThankYou Member Account within 90 days from the end of the statement period in which you complete all offer requirements. '' The relevant account was opened on XXXX XXXX, XXXX and the offer requirements were met during the XXXX and XXXX statement cycles. The XXXX cycle closed on XXXX XXXX, XXXX. 90 days from XXXX XXXX, XXXX is XXXX XXXX, XXXX. 

The 90 day period following the completion of the offer provided ample time for Citi to fulfill its promotion. At no point during the 90 day window were the points credited per the terms of the promotional agreement. I have contacted Citi on multiple occasions XXXX during and following this window to establish the status of the points, but have not been provided with a satisfactory response. 

In my most recent correspondence with Citi, I explained the problem, of which the bank was already aware. I further expressed that Citi 's delay was preventing me from using the credit to purchase upcoming travel. The representative was unable to explain why the points had not been credited and was unable to provide a reasonable date upon which the promotional points would be deposited. The representative in question refused to resolve the issue and terminated the phone call. 

Citi has demonstrated a clear unwillingness to resolve the case. The bank has engaged in misleading marketing practices and false advertising by failing to deliver upon the terms and conditions of their promotional offer.

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 2016-05-13
Company: Navient Solutions, LLC.
State: MI
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 have a XXXX XXXX loan that was sold to the company Navient. In XX/XX/XXXX I set up a recurring monthly payment of {$170.00} to be taken out of my account for 12 months on the payment assistance plan. After two payments I received a call to set up another payment plan for {$140.00}. Shortly thereafter I received a call stating that I could not be on two payment plans so I decided to keep the {$140.00} payment plan. I then received a phone call saying that the higher up managers denied both payment plans after I had already been set up and paid monthly amounts. When I spoke with managers ( XXXX different ones to be exact ) I was told that it was nothing that they could do because the higher up managers made the decision. The last manager I spoke with told me that it was a computer program and that they could not change the interest rate for my loan. I did not ask for my interest rate to be changed. They offered me a payment of {$190.00} a month, but I think it is unfair for me to be forced to take this payment considering the relationship that has occurred. I offered to return to the {$170.00} payment, but was refused. They said the difference was only {$20.00}, but that difference is big because I have other private student loans to attend to. I can not agree to that. I told them I would continue to pay the XXXX every month because that was the last agreement that we had. 

I would like a separate mediator to intervene so that we can find a solution. I made an agreement to pay a certain amount of money every month to this company every month and they changed the terms. That is not fair. 

I have yet to speak with a higher up about the decision that was made even though I requested it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
The following inquiries were removed from my transunion report but reinserted without any notification to me. 
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 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 2016-05-25
Company: Pacific Union Financial, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I made a mid month additional principle payment to my mortgage lender. They accepted said payment, but did not apply it stating they did not know what to do with it. They left it in a holding account. The additional principle is for minimizing interest and paying the mortgage off earlier. 
They want me to allow THEM access to bank draft and charge me a fee to do so. 
I find this situation unethical and disturbing in their practices.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
On XXXX XXXX, 2015 I had an appointment at the Bank of AMERICA ( BOA ) to acquire about Loan to purchase a new car since I am living in Texas unable to maintain my Medical appointment at the XXXX XXXX XXXX, Texas or visiting other Physician at XXXX clinic. including shopping for food. Going to Church I have found out that XXXX has denied my credit based on Information according to XXXX.. Saturday XXXX XXXX, 2015 I went to XXXX XXXX to purchase a XXXX XXXX I found out the same issue regarding XXXX and XXXX keeping record on me. A company that beneficial from the TARP money and was prosecuted by the USDOJ for Discrimination against minorities for loaning at a higher rate.gestapo keeping record for the next train to XXXX in XXXX WHEN ITS COME TO MINORITIES.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
navient is unwilling to help reduce loan payments to what is affordable for us. they are rude and just do n't care when you call them. when loan was still with XXXX XXXX the helped us with an interest reduction program so that the monthly payments were more affordable, but now that they are navient they WO N'T HELP IN ANYWAY! they told my daughter that because she owns a savings account she does n't qualify for help. my husband and i pay for these loans and have both retired and are on the " fixed income '' we CAN NOT AFFORD {$700.00} PER MONTH, IT WAS HARD ENOUGH AT {$550.00} PER MONTH. BUT THEY CAN NOT EVEN BE REASONED WITH.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: MO
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:
This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$220.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$860.00} ; XXXX XXXXXXXX Balance : {$6800.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2022-05-20
Company: Exeter Finance Corp.
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  XXXX - XXXX, Exeter Finance XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation