BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-27
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XXXX/XXXX/15 I called Huntington Bank to get a payoff for a car loan. The information I seen showed a balance of {$3600.00}. I was told that there would be a early payoff fee of {$120.00} added along with two days of interest and insurance for the time it would take for the money to reach the bank. The Payoff was made on XXXX/XXXX/2015 a day earlier than they had predicted. I called the bank the following day and asked how they would send the money for the one day of interest and insurance that was paid? I was told that I would get a check along with the title to the car. Title was received on XXXX XXXX, 2015 but no check was with it. I called Huntington XXXX XXXX, 2015 and was told by XXXX that a check and a letter with the breakdown of the charges would be mailed out. XXXX XXXX, 2015 I called Huntington and spoke with XXXX the supervisor that told me that he would email me the breakdown and that he would have XXXX call me on Monday XXXX XXXX, 2015 about the refund. Never received the call from XXXX to this day XXXX XXXX, 2015. The breakdown of the charges that XXXX emailed ( see attached ) was not what I asked for. The amount I was charged on XXXX XXXX, 2015 was {$3700.00}. If you add the {$120.00} early payoff fee the balance would be {$3700.00}. Add {$3.00} for two days of insurance and interest would leave an over payment of {$1.00} owed me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have disputed an old XXXX XXXX XXXX XXXX account numerous times explaining to Experian that under The FCRA a negative account is to be removed from credit after 7 years from the first date the payment went behind. This account is from XXXX but they are dating it from the discharge of a bankruptcy in XXXX. We are now coming up on XXXX  years and they continue to verify it and will not remove it even though I have explained this to them a million times. It is in regard to credit report number : XXXX from XX/XX/XXXX. The Account is XXXX  ( XXXX XXXX XXXX XXXX ) Account number 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 2017-10-12
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
the school went out of business and declare all debt uncollectable

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 2015-07-08
Company: AFNI INC.
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I am an attorney. My client was involved in an accident but not responsible. The person who was injured was paid a small amount by an insurance company. The insurance company is trying collect that small amount from my client by falsely representing that it has contacted the " Department of Transportation '' of his state which is examining his compliance with the " Financial Responsibility Act '' and that he could lose his driver 's license unless he pays up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: Ray Klein, 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:
This company has called me XXXX 's. Last 2 dates I documented as follows : XX/XX/XXXX & XX/XX/XXXX. Name of company : Professional Credit Service Ph : XXXX. XXXX time they called REFUSED to give a name of the agent who called. Very rude, mean, harrassing me! Threatening in nature over phone saying that " I 'd " better cooperate " or else '' when I 'd ask " or else what? '' all I was told was exactly " I better know what was good for me! '' Really, I was too stunned & floored! I was hounded for confirmation of my complete address, birthdate, birthplace, mothers maiden name, fathers name, SS #, place of employment -I 've been XXXX since XX/XX/XXXX & have n't had a paycheck since & have n't drawn SSD until XX/XX/XXXX, if this was a " legit '' bill collection agency would n't they have ALL this info already & how do I know they are not trying to scam me? I 'm from Missouri, so as the saying goes, " SHOW ME ''! I REFUSED TO PROVIDE ANY INFO BECAUSE THEY REFUSED TO BE FORTHCOMING WITH ANY INFORMATION AT ALL! I HAD NO IDEA WHO THEY WERE, WHY THEY WERE CALLING OR FOR WHAT PURPOSE WHATSOEVER! I HAD NOTHING TO GO BY! WHY SHOULD I JUST " WILLINGLY " HAND OVER ANY & ALL MY PERSONAL & PRIVATE INFORMATION SO THEY COULD COMMIT INDENTITY THEFT? NOTHING DOING! I INFORMED THEM THIS CELLULAR PHONE NUMBER THEY WERE CALLING HAS BEEN REGISTERED ON THE NATIONAL NO NOT CALL REGISTRY SINCE XX/XX/XXXX NON STOP AND THAT SINCE XX/XX/XXXX IT 'S BEEN AMENDED THAT ALL SALES TELEMARKETING AGENTS AND COMPANIES, ROBOCALLS, BILL COLLECTION AGENCIES ARE FORBIDDEN TO CALL UNLESS THEY HAVE OBTAINED EXPRESS WRITTEN PERMISSION BY ME TO DO SO AND THAT ANY PRIOR WRITTEN OR VERBAL AGREEMENT BY ME IN THE PAST PER THE XX/XX/XXXX LEGAL LAW AMMENDMENT PASSED BY THE TCPA & FCC & FTC I MAY REVOKE AT A MOMENTS NOTICE IF I FEEL I 'M BEING G UNFAIRLY HARRASSED & I NOTIFIED THEM PRIOR TO & THEN AGAIN XX/XX/XXXX & XX/XX/XXXX THEY DO NOT HAVE PERMISSION TO CONTACT ME AS THEY ARE HARRASSING ME & ANY AUTHORIZATION THAT WAS GRANTED PRIOR TO THIS UNKNOWN & UNHERD OF " PROFESSIONAL CREDIT SERVICE '' HAS BEEN PERMANENTLY REVOKED & I JUST UPDATED THAT TO REFLECT TODAY 'S DATE XX/XX/XXXX @ XXXX PER LETTER TO CONSUMER FINANCE.GOV. 
XXXX Thank you XXXX XXXX XX/XX/XXXX XX/XX/XXXX ET

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2017-03-02
Company: GMA Investments, LLC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Summit receivables called my husband about my debt and he is not on card. They called me and tried to tell me I am in a XXXX state and they can collect from him. I am in Georgia so they ca n't. They tried to scare me by saying if they go to court it will affect my husband

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Working on an FHA short sale with Ditech - Ditech has a complete package yet has failed to process the short sale request. XXXX is the short sale negotiator and XXXX XXXX is his supervisor.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
We had this account for years with no fees and then all of a sudden they started charging us a $ XXXX monthly fee because we did n't keep a certain balance.

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 2017-03-06
Company: North Shore LIJ Health System
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX Debtor information and payment online options not available. 
Debtor unreachable only by mail. I feel unsafe mailing out checks to this business not endorsed by the BBB. Their is no way for me to check my balance by automated system. I dont know any up to date information regarding this account. I have no confirmation of payments made.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Hi, my name is XXXX XXXX, l would like to file a complaint against wells fargo bank in XXXX XXXX, fl.XXXX for mishandling funds in my checking account. they close the account so l want have showing proof what l had in the account and have access to loginto my account to my knowledge l had {$5000.00} XXXX dollars at that time. the moneythat l had my account was for college, l, am a XXXX in college taking XXXX. lwould like to receive my funds back in a check or whatever. Thank You.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26
Company: AFNI 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 discharged in bankruptcy

Complaint:
I have sent XXXX letters explaining that the debt was discharged in bankruptcy and have received another letter offering a settlement offer. The creditor also states there could be additional payments made on the claim that I could be responsible for and will notify me as soon as they become aware.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have no knowledge of this debt. I made XXXX separate calls to XXXX different numbers. The first representative advised me the debt was for books that I ordered. When I asked where the books were delivered I was not provided an answer. The second call was even more frustrating and I was advised that it was clothing. I never opened an account in XXXX with Portfolio

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: AVANTE
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
i have not been giving notice by this company and giving the right to dispute this debt, i will now dispute thru this site, i dont recall this debt so under fcra i am requesting that tis company provide my an document in which i agreed to pay said debt amount and my signature all on my contract, per ftc opinion letter, only a signed contract with an amount and between me and the creditor is the only form of validation, AN ITEMIZED STATEMENT IS NOT VALIDATION, AS I DONT CONSENT FOR THIS COMPANY TO HAVE ANY OF MY MEDICAL RECORDS CAUSE THAT TO DOES NOT VALIDATE AN ACCOUNT, AND I WILL NOT EXCEPT AN ITEMIZED STATEMENT AND NEITHER WILL THE COURTS, THE ONLY VALIDATION FOR ANY ACCOUNT IS A SIGNED CONTRACT OR AGREEMENT, ONE IN THE SAME

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05
Company: VIRTUOSO SOURCING GROUP, LLC.
State: TX
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:
This debt collector send me a letter i immediately call him to dispute the amount in question he promise to send me a prove from XXXX i did not receive any evidence from him. the next thing i saw is a negative report on my credit report over a debt that has not yet been establish and connot be establish this has to do with a phone bill according to him.

Company response to consumer: Closed
Consumer complaint received 2017-03-03
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have an alert from XXXX about a new derogatory file. I do not know who these people are and i do not recognize this debt. These collection agencies are participating in extortion and need to be punished and stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12
Company: Midwest Recovery Systems
State: TN
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midwest recovery systems has placed a fraudulent collection claim on my credit report for a supposed loan which I did n't not received .I want this removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: VW Credit
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a vehicle loan through Volkswagen Credit for a XXXX XXXX SportWagen. This vehicle was included in the VW XXXX Liter diesel settlement agreement, and I entered into an agreement with VW XXXX XXXX to buy back my vehicle under that settlement. The amount of cash I was entitled to receive in that settlement included payoff of the remainder of my vehicle loan balance with VW Credit as the balance stood at the time VW XXXX XXXX confirmed my outstanding loan balance which was sometime in either late XXXX or early XXXX XXXX. However, I was not able to obtain an appointment with VW XXXX to buy back my vehicle until XXXX XXXX, XXXX. In the meantime, XXXX payments on my auto loan became due and I paid both on time. I was assured by VW Credit and VW XXXX that VW XXXX XXXX would transmit the full amount of the balance due as of early XXXX and the amount of payments I made in XXXX and XXXX would be refunded to me shortly after VW Credit received the funds from VW XXXX. The VW Credit representative I spoke with initially told me it would take 2-3 weeks for VW Credit to receive the funds from VW XXXX XXXX, and would initiate a refund of overpayment to me within 2-3 business days following the account closure. VW Credit confirmed that it received the funds from VW XXXX XXXX to payoff the loan and closed the loan on XXXX XXXX, XXXX. I called today XXXX XXXX XXXX XXXX to determine when the overpayment would be refunded to me, and they confirmed I had a refund of about {$820.00} due to me, but would be holding those funds for 17 days following the payoff date of XXXX/XXXX/XXXX. This means that VW will effectively have held my money for nearly a month and a half after I turned in my vehicle to VW and satisfied all my obligations to them. I believe I ( and other VW owners who are similarly situated ) be entitled to a speedier return of our funds. Shortly after I got off the phone with this representive, he called me back and let me know they could expedite the process by about 4-5 days if he submitted a check request. However, this will still result in VW Credit holding funds due to me for over 1.5 weeks following payoff of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
FINAL NOTICE, i have not been giving notice by this company and giving the right to dispute this debt, i will now dispute thru this site, i dont recall this debt so under fcra i am requesting that tis company provide my an document in which i agreed to pay said debt amount and my signature all on my contract, per ftc opinion letter, only a signed contract with an amount between me and the creditor is the only form of validation, This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have posted to my credit file.

In compliance with FCRA 623 ( a ) ( 8 ) ( D ), this Notice of DIrect Dispute includes : Identification of the specific information being disputed : AN ITEMIZED STATEMENT IS NOT VALIDATION, AS I DONT CONSENT FOR THIS COMPANY TO HAVE ANY OF MY MEDICAL RECORDS CAUSE THAT TO DOES NOT VALIDATE AN ACCOUNT, AND I WILL NOT EXCEPT AN ITEMIZED STATEMENT AND NEITHER WILL THE COURTS, THE ONLY VALIDATION FOR ANY ACCOUNT IS A SIGNED CONTRACT OR AGREEMENT, ONE IN THE SAME

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 2017-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had to late payments near the end of 2015 on my Capital One credit card. XXXX and XXXX I believe. I disputed them because they are reported as 30 days late. In reality XXXX was only 10 days late and the other 15 days, the late fees were even reversed. 
The dispute request to have the late payments removed since FCRA allows reporting after 30 days late was denied and the negative information remains. 
I would like Capital one to remove those negative marks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: Account Control Technology, Inc.
State: MI
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt was sold because when I requested information from the debt collector they just simply sold the debt to keep from disclosing information. This debt collector did not verify they have a license to collect in Michigan and I want them to report to all three credit agencies that this debt is disputed.

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 2015-10-26
Company: Byrider Franchising, LLC
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have been receiving over XXXX calls a day from a Car Finance company that goes by the name XXXX located in XXXX NC. This company has been leaving very detailed information about customers loan status as well as personal information on my business voicemail. I have given the company a verbal and documented Cest and Desist letter. But I 'm still receiving the calls and even text from this company. The reps have stated they were given my business number as a number for personal contact. I know this to be untrue because my number is associated with my small business and the only reason to call it is for questions concerning my business. The numerous calls over and over and at anytime of the day and night is harassing and my next steps involve me contacting my local police department to file a complaint for harassing phone calls. I do not have any financial ties with this company and I would like them to be investigated about why there leaving other customers loan info on my business voicemail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Have not received a final response on the dispute. My personal information has been changed specifically my name to XXXX ( my criminal brother ) from XXXX and my address has been changed to XXXX XXXX address.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
A company placed a collections at the XXXX credit bureaus, and has not sent me any proof the debt is mine. It was opened under my social security number fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage added a Forced Place Insurance onto my account. I made my normal payment as usual while this was being researched. The payment was put into a " Suspense Account '' and I was forced to make an additional payment. After arguing with them for over 6 hours spanning 3 days and speaking to the Customer Service Dept., Escrow Dept., Insurance Dept., it still has n't been corrected. Now they are stating that I owe XXXX times the amount of my " new '' payment amount and nothing has been done accept that they returned my 2nd forced payment. Luckily I working iin Escrow as an Assistant and Officer and know what I 'm doing. I feel horrible for those who do n't know what they are doing and have to go through this. *Side Note. Nationstar Mortgage is settling a lawsuit for their Forced Place Insurance practices. It looks like they are up to it again.

Company response to consumer: Closed with explanation