BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-07
Company: Vital Solutions, Inc.
State: CA
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:
Attached please find the XXXX report which confirms XXXX of the XXXX tows that occurred with this vehicle, XXXX XXXX XXXX door XXXX VIN XXXX which not only needed to be towed on it 's last day with me to the dealership ( it apparently needed a new transmission and could not be driven - buyer beware ) but over the course of my lease ( please see my documented tow history via XXXX ) this vehicle was towed XXXX additional times on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I paid out of pocket for these additional tows because I did n't have 5 hours to wait for XXXX XXXX assistance which is exactly what took place on XXXX XXXX, XXXX when the car was towed and returned. This car is a LEMON by law and XXXX needs to withdraw a collection agency report for {$700.00}. The entire life of my lease should be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: EQUIFAX, INC.
State: NC
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: Their investigation did not fix an error on your report

Complaint:
I had sent in numerous documents about XXXX to Equifax and XXXX. XXXX  has resolved it months ago. Equifax and XXXX  continue to report this inaccurate account on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: First Recovery Solutions, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
keep getting calls from XXXX, when I talk to a representative to explain I do n't know who they are looking for, they put me on hold and never come back. This harassment has been going on for weeks now and they call almost every day.

Company response to consumer: Untimely response
Consumer complaint received 2021-12-17
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The payment was made in full as agreed, and the service was cancelled after agreement was fulfilled. Called the debt collector company, super unprofessional, on top of that making threats and harassment phone calls. 

As for the proof of debt, failed to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have had repeated issues with Wells Fargo Bank acting in ways that make me question their intentions. A series of pressures to force the creation of accounts with fees and consequences where the representatives say one thing but the account documents differ. Over a 1 year period they saddled me with a business account with a fee structure that was essentially impossible to satisfy. Then refunded these fees when I pointed out the entire thing did not match the terms of the agreement or the words of their own representatives. For months their FICO system which claims to report every 30 days would run as much as 90 days without an update. I had to dispute payments at all XXXX ratings agencies to get them to report. Now, suddenly, since around XXXX XXXX, 2016 I am denied access to the online banking system because somehow my account username and password do not meet their requirements. Requirements they neither notified me have changed nor provided reasonable recourse to resolve. I am now a second class customer. I ca n't risk Wells Fargo abusing this opportunity to recreate my accounts. They receive a {$350.00} direct deposit twice a month and I ca n't even check my balance online or use their also broken autopayment system till I agree to these changes where no documentation has been provided at all and, as a member of the banking industry myself, they are obviously not being truthful about this being a compliance issue. I am filing this complaint because I think they are engaged in unethical behavior and given the recent reports of XXXX employees fired for making unauthorized account changes I no longer believe I can trust them. As I owe their institution nothing, I will simply draw out my pay on a regular basis in person until I get a rational expectation in writing why I should change not just my password, but also my username for their online banking.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
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:
I filed a complaint with XXXX  3 times already XX/XX/XXXX and all were denied. Complaints against XXXX, original XXXX XXXX XXXX. We aquired a camp membership in 2003 and did not have any other new contracts. This should of been removed. It is over 16 years old and XXXX has the same contract listed 3 times on my credit report in which they keep changing the date of aquirement which was XX/XX/XXXX only. It was a membership to use the campground. I called the campground to remove my contract and they didnt. We only used it one year for XXXX. This was for use of campgound not ownership.

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 2021-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion

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 2021-12-17
Company: Pendleton Capital Management
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Pendleton Capital is harassing my family and wont stop calling, they failed to initially notify me via mail and on the first point of contact they elected to threaten to file service and suit rather than send a paper copy of the letter. I had requested verification of the debt and the agent elected to create a false sense of urgency to deny sending me the debt verification

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Midland Funding representing XXXX RANDOMLY called an individual they assumed or hoped might be family member ( s ) to get in touch with me, ( while I was out of town ). I never gave consent to Midland Funding XXXX to release my financials to anyone other than me. I never gave XXXX or Midland Funding consent to release my financials to anyone other than me. Midland Funding and XXXX gave ASSUMED family members confidential information about me and my financial information with their company to this particular individual on or around XX/XX/XXXX and XXXX of XX/XX/2019. This was not the first time. XXXX and Midland Funding claim they spoke to my husband. Ive NEVER been married!!!!!! Midland Funding XXXX confirmed they spoke with my husband and gave him all my details about the account. Again, I have never been married. I never consented ; I never agreed in writing or by phone to Midland Funding XXXX to randomly contact individuals they assume might be family members or friends and give MY personal information about my personal or business finances with XXXX to someone other than me - I asked the customer service rep HOW or WHERE did they get this information on me. I was transferred to the manager in the case. That manager was not in office. No response. Im told they will look into the matter. UNBELIEVABLE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-22
Company: M&T BANK CORPORATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I made a deposit of {$10000.00} on XXXX/XXXX/2016. The deposit was supposed to be for {$9500.00} but i accidentally added {$500.00}. The teller counted the cash while i watched. She came up with {$10000.00}. She counted the money again with the counting machine and came up with the exact same amount {$10000.00}. I knew I had added {$500.00} by mistake and went through with the deposit. No problem. I got my statement for XXXX and noticed a " correction to deposit '' for - {$520.00}. I contacted the bank manager. She talked to the teller and her excuse was that she remembered that she did n't count it properly while i was there but apparantly she came up with a different figure after hours. Called M & T corporate and was told they could n't do anything about it. I still have not got my money back. The teller thought she saw an opportunity to enrich herself at my expense. She is a THIEF and should be prosecuted! I have a bank deposit slip that was forged and signed by someone at the bank. I did not sign it! The bank is at XXXX XXXX XXXX. XXXX, Md. XXXX. Phone # XXXX. The managers name is XXXX?. The tellers name is XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-29
Company: SUNRISE CREDIT SERVICES, INC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I keep receiving calls from different numbers. They will only tell me their first name and will not tell me the company they work for unless I verify who I am. I looked up one of the numbers on line and it leads to Sunrise Credit Services, Sunrise Credit Services , Inc. 
Address : XXXX, NY XXXX Phone : XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
I have been trying to have 3 fraudulent accounts from XXXX deleted from my credit report with XXXX XXXX  and Transunion for months now. I have sent numerous letters asking for these accounts be investigated and once verified show proof of their right to post those accounts on my credit reports. I have showed indisputable proof from the IRS that these accounts are not mine. In all cases they have responded with a generic response that the accounts were verified. They verified it without showing how they investigated or proof of their verification, even though i have requested to see this information. XXXX XXXX and Transunion continue to violate my rights as a consumer to have these accounts that are not mine deleted, or show proof that they have the right to have these fraudulent accounts on my credit reports. Transunion already deleted 2 out of the 3 accounts but XXXX  and XXXX  refuse to do so.

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 2016-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card
Issue: Advertising and marketing

Complaint:
My Bank of America Travel Rewards ( Visa ) Card is advertised as having no foreign transaction fee. On XXXX XXXX XXXX I made a purchase for XXXX XXXX and was charged XXXX USD, which implies an exchange rate of approximately {$1.00} per XXXX. XXXX discloses an XXXX exchange rate on their website of XXXX for XXXX XXXX XXXX. XXXX also discloses a XXXX exchange rate of XXXX. These rates are not inverses ( XXXX - XXXX = XXXX ). The difference in these rates constitutes a spread - the profitable difference between the rates at which XXXX buys and sells XXXX. 

Supplement XXXX to XXXX XXXX a ) ( Effective Date : XXXX/XXXX/XXXX ) makes clear that a markup over a fair exchange rate is itself a foreign transaction fee : " The foreign transaction fee is determined by first calculating the dollar amount of the transaction by using a currency conversion rate outside the card issuer 's and third party 's control. Any amount in excess of that dollar amount is a foreign transaction fee. Conversion rates outside the card issuer 's and third party 's control include, for example, a rate selected from the range of rates available in the wholesale currency exchange markets, an average of the highest and lowest rates available in such markets, or a government-mandated or government-managed exchange rate ( or a rate selected from a range of such rates ). '' That Bank of America passes that charge on to me, the cardholder, also clearly makes it a foreign exchange fee : " Fees imposed by a third party are included only if they are directly passed on to the consumer. For example, if a credit card network imposes a 1 percent fee on the card issuer, but the card issuer absorbs the fee as a cost of doing business ( and only passes it on to consumers in the general sense that the interest and fees are imposed on all its customers to recover its costs ), then the fee is not a foreign transaction fee and need not be disclosed. In another example, if the credit card network imposes a 1 percent fee for a foreign transaction on the card issuer, and the card issuer imposes this same fee on the consumer who engaged in the foreign transaction, then the fee is a foreign transaction fee and a finance charge. '' The simplest test of whether a customer is charged a foreign transaction fee is if a purchase and a return on the same day ( and for the same amount of foreign currency ) leaves the customer worse off. Clearly this would be the case : a XXXX XXXX purchase followed immediately by a XXXX return given the above spread of XXXX between the XXXX and XXXX exchange rates would cost the customer about XXXX dollars.

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 2017-03-28
Company: WELLS FARGO & COMPANY
State: SC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
After being unemployed and struggling to pay my loans, Wells Fargo told me if I paid the back balance of XXXX {$600.00} that they would allow me a forbearance to catch up. I borrowed that money from a person friend. They then rejected my forbearance on the basis that my cosigners could pay -- even though both cosigners are now retired women with substantially less income, including one XXXX. Their only remedy for me is to take out another loan to consolidate and refinance my existing debt, but I do n't qualify because not paying my existing loans has ruined my debt. I have pled with them to make reasonable arrangements with me so I may meet my obligations, but they have refused and have threatened legal action against my cosigners instead. Neither myself nor my cosigners can afford the current payments and I ca n't refinance. So there is no avenue for relief. I do n't know if that 's illegal or not, but they lied to me and told me they would work with me, I think that 's misleading.

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 2017-01-26
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
1 - I called Navient to inquire about paying the balance of my loan off and was told that I needed to pay the balance + future interests. The terms of my loan state that there is no early re-payment penalty, but paying the balance + future interest sounds exactly like an early repayment penalty! I understand paying past interest, obviously, but why would I have to pay future interest on a loan I want to pay-off? 
2- I also went into forbearance for a while due to unemployment and continued to accrue interest during this time 3 - I called to see if I could get my payments changed to match my income ... the response was a payment amount WAY above what I could reasonably afford with local housing, food, living costs under consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: Receivables Performance Management, LLC
State: NJ
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:
XXXX people went into a store on XXXX XXXX in XXXX, NY in XXXX 2015 and bought phones worth {$4700.00} using my SSN and Driver 's license. I was in XXXX at that time and called repeatedly to rectify the problem once i got to know about it but nothing happened even though i called the collections agency, credit bureau. 

I had only XXXX account with XXXX which i suspended after paying all the dues. I called the store but they said that they can not help me. I think the store they went to was XXXX. I also tried calling the collections agency, they said that they will provide me with a packet which would have all the info but nothing happened. I recently came back to United States and I am trying really hard to maintain and increase my credit score, things like these are going to seriously put a stop to my credit score.

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 2015-09-30
Company: Cascade Capital, LLC
State: TX
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 disputed this debt on XXXX/XXXX/15 and received a response from the company apologizing for the inconvenience and that the debt would be removed from all om credit reports. I may be facing disciplinary action or termination because this debt still remains on my credit reports. Therefore, the company failed to honor their resolution, as stated in the response to my complaint. I am again asking for this debt to be removed from all om credit files, as it is not my debt. My final complaint response that was filed with your office and was not disputed, by me, was assigned number XXXX. Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: CCS Financial Services, Inc.
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX repeatedly files - and has not removed - a disputed account. The account is still showing on my credit report. They no longer hold the debt and another agency has begun collecting me - and I 've disputed this multiple times and have never received a response from them or from the original creditor. 

Their reporting of a disputed bill - and failure to remove this - is illegal and should be addressed. The report on my credit report is below. 
- Collection Accounts : Accounts seriously past due XXXX XXXX Original Creditor : MEDICAL Account No. : XXXX High Balance : XXXX Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Balance : XXXX Condition : Derogatory Responsibility : Individual unkown unkown unkown unkown Remarks :

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Charged {$37.00} on XXXX & {$32.00} on XXXX. Total charge {$69.00}. Made XXXX Payment of {$69.00} on XXXX. Also made a XXXX Payment of {$1.00} on XXXX from XXXX XXXX Checking. XXXX XXXX, XXXX XXXX ONLINE PMT XXXX. On XXXX Bank of America made a Small Balance Adjustment of {$1.00} taking my + {$1.00} balance to $ XXXX. Contacted BA & on XXXX they made a Small Balance Adjustment & returned the {$1.00} stating it was a computer error which left me a + {$1.00} balance. On XXXX another Small Balance Adjustment was made & they took the + {$1.00} from my account leaving me again with a $ XXXX balance. Unable to obtain any answer from BA Customer Service Dept. as to why this keeping happening except that it is a computer error. Need to know when they are going to return the {$1.00} to my account and what steps they are taking so this will not happen again. Was told this has happened to other clients also.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation