BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-16
Company: EOS Holdings, Inc.
State: OR
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:
in XXXX of 2013 I was signed up for my first cell phone in my name by a member of an XXXX Kiosk team. He explained to me that I had a certain amount of data to use each month and as long as I kept my wifi on I would have no problem staying within my monthly limit. During the first month of service my " Data used '' was at XXXX every time that I checked it, which happened to be once a day and sometimes XXXX. I was a little worried that it was n't updating correctly but I let it run it 's course for another week or so. During that week I began to receive texts from XXXX saying that I was over my monthly limit for data and I would be charged an extra 20 dollars for each Gig of data I used. I was extremely upset since I had been doing my best to check my data usage every day. I gave XXXX a call and the representative let me know that I could manually turn off my data by going into my XXXX app and she would credit me for the 20 dollars that i would be charged. I did this as soon as I was off the phone with her. Within 20 minutes of turning off my data I received XXXX more texts saying I would be charged {$20.00} for extra usage. I was extremely scared since this was my first phone under my name and I did not want any blemishes on my record. I immediently called back and let them know that even though I turned off my data both on my network and on my phone and was strictly running off wifi that I was being charged for data that I was not using. The next rep. I spoke with told me it was an issue with my phone and I would need to bring it into the store to have it checked out and my bill fixed. I asked if there was anything they could do to stop the data from being charged and they said no, not over the phone. When I went into the store to seek help from a store rep. they promptly sat me down and put me on phone with the number I had called previously. I was being told by the store that I would need to speak with the phone reps. and I was being told by the phone reps that I would need to pay the 2000 dollar bill in full and that they had no records of me ever previously calling and letting them know about the situation. 
Throughout the whole process I contacted XXXX about XXXX times via the phone and went into the store XXXX. They have absolutely no record of me calling and I ca n't get any help from them resolving my issue. I do not believe that I should be harassed and discredited for something that I tried very hard to get corrected in a timely manner. Unfortunately, I do not have any supporting documents as all my bills from them have the " used '' data attached and each say I owe over XXXX each for XXXX month of service for a single line. XXXX also has no record of my XXXX calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: AFNI INC.
State: NM
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:
The debit was paid in full upon cancellation of my account with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: Nationwide Biweekly Administration, Inc.
State: CO
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
I took out a mortgage in XXXX 2015 and in XXXX 2015 entered into an agreement with Nationwide Biweekly Administration , Inc. to assist with making bi-weekly mortgage payments to my mortgage holder ( XXXX ) since XXXX did not offer a bi-weekly payment option. Then, on XXXX XXXX, 2015, I received a form email from the President/CEO of Nationwide seeking my help in stopping the CFPB from shutting the company down, included all kinds of religious based statements ( no need for religion in a regulatory dispute ) and bashing the CFPB. Then, I received a letter later that month letting me know that the CFPB had suspended their operations and that I had to re-assume the payment of my mortgage on my own and that they would get back to me when they had cleared their regulatory hurdles and established a new banking relationship. Since that time I have been attempting to cancel my agreement with Nationwide for non-performance of services on their part to be denied ( verbally ) and the escalation hotline puts you on eternal hold to the point that the system eventually hangs up on you. I have since re-established my auto-draft with XXXX and they now have a program where I can make bi-weekly payments to help reduce the 30 year stated term of the loan. 
Then, today, to add insult to injury, I received an email from Nationwide advertising " advanced features '' to pay off my mortgage. I am bit baffled at how this company can continue to advertise products and services to solicit new clients when it can not fulfill its contractual obligations to the thousands of customers that paid them to provide such service?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent a debt validation letter to LVNV Funding on XXXX XXXX, 2015 and they failed to validate my debt within 30 days of sending the notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
We have been hearing rumors that Capital One is closing in our area. Since we are very unhappy with the level of customer service they provide, we have recently opened an account with a local bank ; however, this takes time due to direct deposits and drafts. My Social Security check is issued the third Wednesday of the month ( today ). I call the bank on on the morning of the deposit to make sure it is record it accurately. This morning I called the automated system and was electronically told I can not access my account information. Can they do that? Withhold that information from me? What about my money? I need to pay my bills today and I have been on hold for half an hour trying to speak to someone. I called FDIC and they said to contact you. Please help me. This situation is stressful enough for old people without Capital One trying to steal our money. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: AES/PHEAA
State: MI
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 have been repaying on my private student loans for the last 6 years and when economic hardship fell upon my family, I had defaulted on XXXX my smaller loans. The loan did get paid off but this has effected my credit score as well as my parents and when trying to talk with representatives from the private loan institutions no one is willing to talk or help take care of any of issues or terms of repayment to ease the monthly financial burden. There are no options and the debt burden on myself as well as my parents who are cosigners is effecting everything in our lives. When asked if the terms could be changed or allowed for my cosigner parents to be released from my loans after so many consecutive on time payments, the idea was completly dismissed. Its so frustrating and upsetting that there is no relief or willingness to help elevate the burden that so many people are facing with student loan debt. How are you to repay your loans when the whole system is set up for you to most likely fail, the uncertainties of life can not be managed and accounted always and its unfair for students trying to better their lives and living situations to be stifled so much from being able to live. It 's no longer just that individual persons problem it is a problem that is effecting many aspects of families as well as the economic growth of a generation that ca n't truly establish themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
XXXX/XXXX/XXXX Back in XXXX I was recruited by the XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ( XXXX ) ) with misleading graduate job placement information, as well as promoting the XXXX degree program that did n't offer the end result as advertised, which tied me into XXXX different types of loans ( private, Federal and Dept. of Ed. ) all with XXXX XXXX, now Navient. 

I was never given a choice of other lenders when working with their recruiters and naively enrolled in a program that increased their tuition every year, used outdated software in classes, outside online tutorial website to provide training ( which has their own pricing at a fraction of the cost ) and continued to offer me loans despite my slipping GPA. 

Since leaving the XXXX XXXX in XXXX without a degree, internship placement or even the proper experience to compete in the job market, my family and I have experienced XXXX issues ( increased healthcare costs ), job loss, homelessness, and out of state move. Since this time my student loan debt has ballooned from {$75000.00} to over {$120000.00} in a matter of 6 years. 

I have been enrolled in a variety of programs, however Navient 's practice of multiple loans, departments and lack of loan education made my last encounter ( XXXX/XXXX/XXXX ) a very confusing, frustrated and XXXX phone call. I had contacted Navient to settle a payment last week and agreed to a forbearance and amount that I thought covered all of my loans, however was made aware today, that the previous conversation did not take all of my loans into consideration and due to the increasing loan amount in order to pay all of my loans ( without adding any future forbearance ) on time my monthly payment would be {$1000.00} a month for all XXXX loans. After taxes and health insurance coverage, my own income would contribute a little over {$200.00} a month for my family every month. My current health condition has required me to pay significantly more for health care costs totaling {$1300.00} a month, leaving me in a situation of future peril without action. 

I am seeking for complete resolution of my private loans, as well as both Dept. of Ed and XXXX, for the full amount due to deceptive practices by XXXX and Navient ( then XXXX ) as stated above. This type of practice has been well documented with XXXX Colleges and I believe applies to the practices of the XXXX XXXX ( XXXX ) as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint:
MY personnel information was used to secure a student loan from XXXX XXXX by my son without my knowledge or permission, he is now in default and Naviant, who took over for XXXX XXXX, wants me to pay. I filed charges against my son for fraud sent all of the information to prove that the loan was fraud. They refuse to accept that this was fraud. I have sent them a cease and desist letter and told them if they think that I owe them anything to take me to court, they refuse to take this matter to court. They or other collection companies that work for them are harrassing me with calls and reporting to the credit reporting agencies that I am in default when I owe them nothing. If I could find a lawyer that would repersent me I would file a law suit. But lawyers only work for the wealth poor folk like me have no one to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
The following federal student loan or tech grant was discharge XXXX/XXXX/11 any collection regarding this matter is not valet or true especially after this date XXXX/XXXX/11. I have attach letter from the XXXX validating this information. Please remove any collection regarding this allegation of the student loan. If the student loan was paid and dismiss in 2011, any allegation of payment history after this date is a lied and Unreal. The entire student loan was paid in 2011. 

Forbearance Financial hardship, Illness was applied during the time XXXX was processing my application with forbearance, I was able to stop making payments or reduce my monthly payment for up to 12 months. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
A former schoolmate of my girlfriend 's XXXX XXXX XXXX XXXX owed her some money and in order to pay her back, he got in contact with me. He said he 'd deposit some money into my account and that once it cleared, I should take my portion and send him the rest. He then asked her that I should mail my debit card to him because he needed it to make the deposit, and not thinking anything of it, I changed my pin and did as she said. I paid close attention to my account, and when I saw the money in there, I felt relieved. Little did I know that it was a scam, and in a few hours, nearly {$4000.00} was withdrawn from my account. I have since contacted the bank and police to try and resolve the issue and get the guy, but nothing has been done yet.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I made a Visa Debit card payment of {$80.00} to XXXX. The payment showed up on my account as {$80.00} and then vanished. I new charge of {$100.00} was charged to my account.. I have challenged the business about this difference and the charge remains on my account. My bank maintains the {$100.00} is correct.. What shall I do?

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 2020-04-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Good morning My name is XXXX XXXX XXXX on XX/XX/2020 XXXX I called Wells Fargo to report a lost or stolen debit card and disputed a unauthorized charges with debit card of mouth XXXX was on that time the unauthorized charge was pending Wells Fargo saying going to call XXXX XXXX to canceled the charge On XX/XX/2020 Wells Fargo send a latter says I did the charger was ma make by me because the use my name explaining the charge was done on XXXX XXXX   online and I did a police report because I did not make any purchases online or person and the card was lost or stolen.

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 2022-07-21
Company: RSI Enterprises, Inc.
State: AZ
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT As a living breathing man I am aware of my unalienable rights which have been infringed upon.I am stopping all communication through medians other than that through Mail as well as a response through the CFPB, I am demanding that you stop all collection activities and that includes reporting anything to my consumer report with the consumer reporting agencies, creditor, and debt collectors. In pursuant to 15 USC 1692C ( C ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt I am refusing to pay the alleged debt, and if once again anytime you communicate with me I demand that it must be through mail if not in pursuant to15 USC 1681q Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 

I never gave anyone written permission ( permissible purpose ) to furnish my information. I am aware of my open end credit plan as defined in 15 USC 1602 ( j ), With that being said i am also aware of my credit file in pursuant to 15 USC 1681 ( g ) and I want to see the transactional history, I want to see my audit trail ( File : 15 USC 1681 ( g ) ) To verify this alleged debt that you are stating me the living person is obligated to pay i demand my audit trail. If you can not verify this in pursuant to 15 USC 1692g validation of debt then its just an allegation and I will hold someone civil liable in pursuant to 15 USC 1692k Send everything to the address below, and once again that is the only medium of communication We will continue speaking through. 

XXXX XXXX XXXX XXXX XXXX ARIZONA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: Credit Associates, Inc. (MO)
State: MT
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:
The bill that the XXXX is trying to collect is for services that I did not authorize. The animal shelter in XXXX MT took an injured cat to the XXXX. The XXXX chose to due major XXXX on their own accord and at their own expense on this cat they assumed to be a stray. Well after the XXXX was done it was discovered that it was my cat and they want me to pay this bill and have turned this into Credit Associates for collection. I did not authorize these services, especially XXXX for {$980.00} I was not even aware of the services until after the fact. The collection law firm that represents Credit Associates, XXXX, refused to take the account as it is not a valid collectible debt. However Credit Associates still reports this collection on my credit report. I have disputed this account previously however they refuse to remove the reporting.

Company response to consumer: Closed
Consumer complaint received 2015-11-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I registered for the consumer opt out prescreen at XXXXon XX/XX/XXXX. I recently have had some trouble accessing my freeExperian credit report and as a result I have confirmed that my Experiancredit file had not been placed under the opt out screen. I have calledExperian and asked to be placed on the opt out screen list / register thismonth of XX/XX/XXXX. I will follow up with them for compliance as itseems they have failed to comply with my first request from last year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
LETTER TO THE FEDERAL TRADE COMMISSION Re : CAPITAL ONE CREDIT CARDS ( 2 ) PLATIMUM CREDIT XXXX XXXX XXXX On XX/XX/2020, I filed a Bankruptcy ; however, I elected not to go through with it and it was dismissed. At that time unbeknownst to me, Capital One put a stop on my cards. There was an automatic payment set up with XXXX XXXX on my son 's car which should have gone through and been paid in XXXX. I knew nothing about Capital One 's cancellation of use of these two cards until I attempted to use one of the cards at XXXX  XXXX 's in Mid XXXX. I immediately went on line and could not pay my bill and upon calling Capital One, I was told that my cards were in stop status due to the bankruptcy. I advised them that the bankruptcy was a mistake and had been dismissed. In spite of my pleas with numerous calls to Capital One and writing to Capital One 's bankruptcy department, I received NO response. Capital was the ONLY company out of 4 credit cards that I own that did this. I had always paid all of my credit cards on time or early. Because Capital One gave NO NOTICE THAT THEY WERE PUTTING MY CARDS ON HOLD, the automatic payment to XXXX XXXX was not paid. On XX/XX/XXXX, my son was involved in an accident. Now, he was notified that his insurance was not paid. Both he and I were unaware of this because Capital One failed to notify me of what they had done. AGAIN, CAPITAL ONE IS THE ONLY COMPANY OF MY 5 CREDIT CARD COMPANIES WHO PUT THIS STOP ON MY CARDS. Because my son was involved in an accident without insurance, he will be required to get a restricted license for one year. My son has always had an excellent driving record until this problem occurred. ALL OF THIS GOES BACK TO THE POOR HANDLING AND THE LACK OF NOTIFICATION BY CAPITAL ONE REGARDING STOPPING THE USE OF MY CAPITAL ONE CREDIT CARDS. CAPITAL ONE SHOULD BE RESPONSIBLE TO PUT IN WRITING THAT THEY FAILED TO NOTIFY ME OF THEIR ACTION THUS CAUSING THE PROBLEM IN PAYMENT TO XXXX XXXX THIS SHOULD BE SUBMITTED TO THE XXXX XXXX XXXX, ATTN. Mr. XXXX XXXX, Claim # XXXX Phone # XXXX. Email : XXXX THEY SHOULD ALSO BE RESPONSIBLE TO NOTIFY THE DMV OF THEIR MISTAKE AND ASSIST MY SON IN MAINTAINING HIS DRIVERS LICENSE RATHER THAN HAVING TO DRIVE ON A RESTRICTED LICENSE.

Company response to consumer: Closed with explanation