BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card
Issue: Payoff process

Complaint:
I contracted with XXXX XXXX in XXXX of 2013 to help negotiate settlements on XXXX credit card debts. XXXX went fine and the third, Bank of America represented by XXXX XXXX XXXX, has been a fiasco. A written settlement agreement was made in XXXX of 2013, the XXXX XXXX settled, for XXXX {$1100.00} payments over a XXXX month period. I placed the money in escrow with XXXX financial through XXXX to guarantee payments as agreed. XXXX of the {$1100.00} payments were made as scheduled and Bank of America refused the last payment and backed out of the deal. They have been billing me for the full original amount and I never received any credit at all for the {$2200.00} they accepted. I have a copy of the original agreement and copies of the cashed payment checks, I have no idea where that {$2200.00} went. The original debt amount was put into collection and passed from XXXX agency to another. Since I have already paid XXXX for their service, I have been emailing and calling back and forth in an attempt to resolve this issue as agreed. Now XXXX will not answer my calls or respond to my emails in my attempts to find out the status. I feel both Bank of America and XXXX have both committed fraud and left me with the adverse effect on my credit reports which severely restricts my employment possibilities and my insurance costs.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: SYNCHRONY FINANCIAL
State: FL
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:
SYNCHRONY BANK IS IN VIOLATION OF THE CREDIT REPORTING ACT 15 US CODE 1681b FOR UNLAWFULLY OBTAINING MY CREDIT REPORT SIZ ( 6 ) TIMES FROM XXXX XXXX REPORT DATED XX/XX/XXXX WITHOUT MY AUTHORIZATION AND PERMISSIBLE PURPOSE UNDER THE FCRA. 
SYNCB/CARE CREDIT XX/XX/XXXX SYNCB/TJX XXXX XXXX XXXX SYNCB/SYNCB XX/XX/XXXX SYNCB/BELK ( A CLOSED ACCT ) XX/XX/XXXX SYNCB/LOWES XX/XX/XXXX SYNCBCARE CREDIT XX/XX/XXXX I WROTE THEM A LETTER, DETAILING THE EVENTS AND THEY WROTE BACK ASKING FOR THE DETAILED EVENTS - SLOW WALKING THE PROCESS

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 2021-07-29
Company: OneMain Finance Corporation
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
they call repeatedlu everyday in the morning i blocked their number and it worked a couple of days but now they are somehow getting past the block XXXX  some software.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-24
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
on XX/XX/XXXX, I meant to send a billpay payment to Citibank for a credit card account, in the amount of XXXX i accidentally send them a payment for XXXX, resulting in an overpayment of {$21000.00}. I have been promised a refund as of XX/XX/XXXX and as of today, XX/XX/XXXX, i STILL have received NO refund. It has been almost 60 days since i first called in for a refund. I have called 5 additional times over that timeframe, each time escalating the lack of refund and Citibank has done NOTHING except promise me a refund within the week and giving me no refund. Twice we have spent over an hour on the phone while they insist on verifying the payment with my bank, which just wasted my time and made me even more upset. At this point i do n't believe that Citibank will give me any refund. I believe that they intend to keep the overpayment. The lack of refund is unethical and can not be legal. How can they get away with treating customers this way?

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 2022-11-14
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently checked my credit report and discovered multiple billing errors. Billing mistakes under US 15. Code 1666 ( b ) is the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or credit extended to the debtor. a computation error or other accounting error made by the creditor on a statement There should be no late payments on these accounts because, as far as I can tell, the creditor did not give me a statement 21 days beforehand. Because these are obviously billing errors, I demand to see specific documentation from the creditor 's bank account proving that I failed to pay and were considered past due. The disputed accounts are listed below. 
XXXX XXXX  Account # : XXXX Balance Owed : {$1500.00} Date Opened : XX/XX/XXXX XXXX XXXX Account # : XXXX Balance Owed : {$7800.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
he company did not validate the debt according to FDCPA, 15 U.S.C. 1692k ( d ), the Civil Rights Act, 42 U.S.C. 1983, and 28 U.S.C. 1331, 1337 15 U.S.C 1681s-2. Keep saying debt has been validated by supplier however the suppliers denies that they are validating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: DIXIE FINANCE COMPANY
State: KY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Dixie Finance Company has been reporting unverifiable and inaccurate information on my credit which has damaged my credit and I filed a police report for identity theft and I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: Navient Solutions, LLC.
State: MA
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 am a co-signor on a private student loan for my sister. I worked hard to repair and maintain my own credit history along with my own student loan debt. I recently reached a FICO score of XXXX. My sister, just this month, became 60 days late with the Navient loan I co-signed. JUST this month my FICO credit score dropped to XXXX! The ONLY negative factor on my credit report was Navient 's missed payment reports to Credit Bureaus. I called Navient and spoke with an agent XXXX XXXX ' telling him I could manage to make the payment but could Navient please provide me with a copy of the Positive report or form of communication that they would make to Credit Bureaus to relay the account as current. XXXX XXXX told me he " ca n't do that. Do you know how credit works? '' He said Navient did NOT have the ability to do that. Finally, I told him that I will seek more information and I was not going to make the payment at that time. In a threatening tone he reminded me that the phone call was recorded and 'they ' would know why I was n't making the payment. 
The very next morning I checked my credit score and it dropped another XXXX points! XXXX XXXX ' had vindictively reported my co-signed loan as 60 days late AGAIN on XX/XX/XXXX after speaking with him over the phone. How many times can Navient report the SAME negative information to damage my credit? Within the SAME month?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-07
Company: First Step Group, LLC
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I believe this is a collection company which I have already spoken with about a debt, they are continuing to call multiple times a day on both my home and cell phone. I have asked them to stop calling my cell phone three times now and I just received another call. Noone is there when I answer and it disconnects. 
They have tried to call my cell phone XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX ( this was when I asked them to stop calling my cell phone ) XX/XX/XXXX at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
BANK OF AMERICA OPENED AN ACCOUNT FOR SOMEONE IN MY NAME IN A DIFFERENT PART OF FLORIDA THAT I DO NOT KNOW AND I DID NOT AUTHORIZE. THEIR TERRIBLE SCREENING PROCESS AND FOOLISH GREED ALLOWED THIS TO HAPPEN. NOW THEY WANT ALL MY FINANCIAL INFORMATION TO PROVE IT IS NOT MY ACCOUNT. SIX PHONE CALLS TO THESE XXXX AND IT IS STILL ON MY CREDIT HISTORY. THEY GLADLY DEAL WITH FRAUD IN HOPES OF MAKING MORE MONEY AND ALLOW HONEST AND LAW ABIDING AMERICAN CITIZENS LIVES TO BE RUINED BECAUSE THEIR LACK OF DUE DILIGENCE. MAKING MATTERS WORSE IS THEIR WILLINGNESS TO TAKE XXXX PAYCHECKS AND ALLOW XXXX WITH NO IDENTIFICATION TO OPEN ACCOUNTS. THEY ARE AN IMMORAL AND AMERICA HATING COMPANY OPERATED BY FOOLS AND DESPOTS. I WOULD RATHER HAVE NO BANK AT ALL THAN EVER DO BUSINESS WITH SUCH A CRIMINAL ENTERPRIZE SUCH AS BANK OF AMERICA. WHAT A SHAMELESS COMPANY.

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 2017-04-29
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On  XXXX   XXXX  and  XXXX   XXXX  for some odd reason a company named  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX  had  XXXX  inquiries on my credit report without my consent. I did not authorize this or sign any application and if they said I did I would like for them to provide me proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2015 I in good faith opened up a Bank of America account and deposited a check from XXXX XXXX for {$1.00}, XXXX. I received a check from XXXX XXXX for damages to my refrigerator through a XXXX XXXX warranty account. Once I found out that the check was returned I notified XXXX and was told another check would be reissued in its place. 
I spoke to a Bank of America representative in customer service and explained the problem and was told that I would be given until XXXX 2015 to clear up the repayment. I am requesting that my name be removed from any negative reporting list. I have paid back the bank in full.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
To whom this may concern, A deposit was made on XX/XX/2019 of XXXX from account. I never got the money. Wells Fargo sent me a letter that the funds needed to be reviewed before releasing the funds. I did not receive the funds. The letter also states that the funds were available on XX/XX/2019 however the fund never showed up in any of my accounts. 
Please help me resolve this.

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 2022-11-14
Company: Absolute Resolutions Corp.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recieved a summons from a lawyer representing Absolute Resolutions Investments , llc . XXXX. 
The complaint alledges that I owe {$1100.00}. 
I checked my credit report and saw that Absolute Resolutions Investments , llc had already reported this alledged debt to my credit report opened XXXX Under the rules of FDCPA credit report entries do not constitute a form of first communication. 
According to the FDCPA a communication in the form of a formal pleading in a civil action shall not be treated as an initial communication. 
According to the FDCPA before a debt collector can report a debt to a credit reporting company they must notify you about the debt by phone, mail or electronic communication. 
I was never notified of this alledged debt and was never notified of my right to dispute said debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: GREAT LAKES
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Because I still have debt remaining on my student loan, The Treasury Department is currently deducting money from my retirement SSA monthly payment. Last month, the amount they took out was about {$120.00}. My SSA monthly payment rose about {$20.00} more a month. Yet, the Treasury Department told me that they are now taking out {$170.00} a month. That is {$50.00} more a month than last year, yet my SSA payment in total only increased {$20.00} more a month than last year. What accounts for the large increase in the deducted amount? What is the formula? This is hard on me as I ca n't pay for my health insurance and my mortgage with my SSA payment now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: Navient Solutions, LLC.
State: CA
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:
I have XXXX student loans through Navient. I was on a income based repayment plan, then my payments more than doubled and its still not covering all of the interest. I went from paying {$130.00} to {$340.00} in a month, it happened automatically, and I 'm still not able to get my principal balance down.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This company have been trying to collect on a debt that 's inaccurate I have requested that they validate this account but have not gotten a response they continue to report this account on my credit reports illegally,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Americas Car-Mart, Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Carmart is reporting to my credit report after XXXX of me asking them to verify the debt and they have not. I haven't received any documentation in regards to this debt yet they keep reporting to credit reporting agency that the matter has been solved. carmart is violating my rights XXXX XXXX XXXX XXXX ( d ), XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX and XXXX XXXX. XXXX, XXXX. Also violating state laws XXXX XXXXXXXX of the XXXX XXXX XXXX prohibits a XXXX-party debt collector or credit bureau XXXX XXXX in debt collection in XXXX unless XXXX XXXX debt collector or credit bureau has obtained XXXX XXXXXXXX XXXX and filed a copy of the bond with the XXXX XXXX XXXX XXXX XXXX XXXX 
THey claim they can not find my account however after they sent the latter they updated my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: SANTANDER HOLDINGS USA, INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I purchased this vehicle on XX/XX/2019 and still my loan is more than what was financed and have not even started paying the principle on it and I will have the truck for 4 years now and the balance is higher than when I bought it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: AMCOL Systems, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received mail from AMCOL SYSTEMS saying I owed a alleged debt. AMCOL SYSTEMS listed XXXX XXXX XXXX as the original creditor. AMCOL SYSTEMS is in VIOLATION Pursuant to Title 15 u.s.c 1692b ( 2 ) stated that the consumer owes any debt. AMCOL SYSTEMS is in VIOLATION Pursuant to Title 15 u.s.c 1692b ( 5 ) any language or symbol on any envelope or communication indicating debt collection business. XXXX XXXX XXXX XXXX is in VIOLATION Pursuant to Title 15 u.s.c 1681a ( 3 ) Restrictions Of Sharing Medical Information & VIOLATION Pursuant to Title 15 u.s.c 1692c ( b ) Prohibits Communication with anyone except consumer, consumers attorney, or credit bureau concerning the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I am a customer at Bank of America and enough is enough!!!!!!! I have told Bank of America on more than one occasion that I DO NOT WANT OVERDRAFT " PROTECTION ''. I had to leave town on a emergency and due to posting delays ( I made those charges of Friday but they did n't post until Monday ) I over estimated how much money I had and due to my withdrawal on Sunday before I left town my account went into overdraft on Monday while I was out of town. I read up on the laws and what the bank promises and they say that they will not charge fee 's for non recurring items and bill pay. I had XXXX items post while I was out of town XXXX for XXXX each and XXXX for XXXX and of course I was charged XXXX for each item!!! I know Bank of America and the other banks are a business BUT this is unconscionable and I do n't know why it is acceptable for the banks to act this way? I researched state usury loan shark laws and the most any state allows someone to charge in interest is 45 % in the state of Colorado. Why are banks not forced to charge a percentage of the over draft amount???? Is it fair that a person that overdrafts by {$1.00} and a person that overdraft by {$1000.00} pay the same {$35.00}??? Also I am reading that bank believe that they dont have to abide by lending interest rate laws because they claim overdraft items are not loans. I beg to differ if I dont have XXXX to pay for an item and YOU, BANK OF AMERICA. Chooses to pay for that item for me WITH THE EXPECTATION that I must pay you back THAT ABSOLUTELY IS A LOAN!! And what they are doing is illegal and there needs to be a class action lawsuit, its very simply if I dont have enough money in my account I DONT WANT YOU PAYING THE ITEM FOR ME!!!!!!!! They continue to do this because the law is not forcing them to act in a decent and equitable manner.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Was informed by Bank of America that my Checking Account Type/Variety which was 'enhanced checking ' since 2010 is now being changed to a 'Core Checking ' account with a fee structure. Previously, I had opted into my checking account with an agreement that as long as an active credit card was open with Bank of America, I would n't be charged checking account fees. This appears to be a nationwide move. I did not agree to have my services changed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX BANK IS IN VIOLATION OF THE CREDIT REPORTING ACT XXXX XXXX CODE XXXX FOR UNLAWFULLY OBTAINING MY CREDIT REPORT SIZ ( XXXX ) TIMES FROM TRANSUNION CONSUMER REPORT DATED XX/XX/XXXX WITHOUT MY AUTHORIZATION AND PERMISSIBLE PURPOSE UNDER THE FCRA. 
XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  ( A CLOSED ACCT ) XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX I WROTE THEM A LETTER, DETAILING THE EVENTS AND THEY WROTE BACK ASKING FOR THE DETAILED EVENTS - SLOW WALKING THE PROCESS

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 2021-07-29
Company: Square Inc
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I Transferred {$150.00} From Is my cash app account to my chime Account. The funds were never received to XXXX XXXX account. And the funds never went back to my cash app account. I've inquired everyday everyday to cash app And to the bank that governs them which is Square ink. But no one will help me get my money return to me. I was told by cash app manager she just forget about it and don't worry about it there's nothing I can do. I told him he can not steal my {$150.00} it has to be returned to me. I asked for a receipt I got one but it makes no sense which I will attach that For you also. They Wanted chime to trace it but they can not trace something that never got to them. Please help me get my {$150.00} back this is just ridiculous.

Company response to consumer: Closed with explanation