BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-28
Company: Central Portfolio Control Inc.
State: FL
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 would like to file a formal complaint against Central Portfolio Control XXXX Inc. 
XXXX XXXX XXXX XXXX, MN XXXX Number : XXXX - XXXX - XXXXFax : XXXX - XXXX - XXXX I do not have any debts that I am not aware of that would be in a collection agency and I do not understand why this company is calling me. I am on XXXX and Social Security Income ( SSI XXXX. I have Medicaid and Medicare, so I know that all of my Medical costs have been paid for and are being paid for. I also know that all of Student Loans are current and on time, and I also know that my Car Loan is Current as are my Credit Cards. So I believe this company is Calling and Harassing the wrong individual. Here is why : I was never sent a written notice within five days after I was first contacted by telephone by Central Portfolio Control XXXX Inc. They have also contacted my family members XXXX My Domestic Partner & Mother ) by telephone numerous times. I have phone records showing that they have called me at XXXX ( EST ) and multiple times in less than a 2 hour window. 

On the two occassions I have spoken to their representatives, I was spoken to very harshly ( they have used intimidating language and acted like legal actions would be taken against me - my car would be taken from me or my XXXXSSI benefits withheld or possible jail time ). The representatives gave me incorrect information about myself ; the address they told me I needed to confirm was not my address and I informed them that they did not have the correct address and that I did not feel they had the correct individual. They then proceeded to tell me that I Had to provide them with my Social Security Number, which I did not feel safe providing to them and at this they got extremely mad and I was hung up on in one case and in another I was spoken to like I was a child. I then asked them to stop calling me and to please verify what ever debt they felt I owed them and the representative stated I would receive a validation in the mail soon. I never received anything in the mail at all. If they can not provide an address I have lived at or live at currently then they obviously can not prove to me there is a debt. They also have not even told me how much this debt is for verbally or written or where it even originally came from. I am aware that companies like this one purchase debts for pennies on the dollar so they are not even the original creditor but I also am aware that I only have a car loan and student loans and credit cards and my monthly living expenses so there is no possible way I have any debts!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
On XXXX XXXX, 2016 I made a payment by wire Transfer to XXXX XXXX for XXXX XXXX XXXX listed as New. After not receiving any email confirmation and seeing some posting online, I contacted my bank ( bank of America ) to cancel the wire transfer, case XXXX, my bank then contacted XXXX bank who refused to cancel the wire, just and after only contacting the seller. So the transaction proceeded and to my surprise I received two used switches packed in the same box. I called immediately and after heated exchange, got the authorization to return the items, which I did the same day by XXXX. The seller then used many delay tactics to delay processing my refund. even though I did not received what i ordered, at some point I was even open to being charge restocking fee. It is now more 3 months after the initial transaction and the seller is yet to give me any refund. I believe at this point I am entitle to a full refund, and hope you can help get this issue resolve. I will join to this complaint all necessary documentation including email exchanges. I have contact the XXXX and XXXX you were unable to get a response from the seller XXXX XXXX ( XXXX ). I feel at this point even his bank XXXX if someone allowing the company to defraud customers by not responding to their complaint in a fairly fashion. And since I have contact the bank and not able to get the seller to corporate, that his Bank XXXX should be held also responsible for the transaction.

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 2017-01-20
Company: Navient Solutions, LLC.
State: OH
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:
I completed a income driven repayment plan back in 2015. 
A month or so later I received a bill for my loans. I contacted Navient and the rep told me that one of my loans did n't " catch '' in time before I completed my repayment plan. He told me that he would go back and redo it and that things would be taken care of. I am still getting bills for " unpaid fees '' even though my repayment plan is {$0.00}. I spoke with a rep recently and she said that there was nothing in the account noting that and that it was my fault I filled out the application late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
1st on the phone they told me I had been in arrears but now I wasn't. 
I received a letter XX/XX/XXXX and submitted complaint XXXX their response was a letter dated XX/XX/XXXX that claimed they had received late payments. 
I pay via electronic transfer in my checking account. I went through my checking statements and saw that the XXXX XXXX deducted the amounts on what dates. it did not match TDbank 's claims. 
in one PDF file titled " XXXX '' I have compiled the pages from my statements and XXXX rectangles about the payments. I created a spreadsheet showing dates paid, and the amount I am in excess of the scheduled installment payments. 
I have the original agreement with XXXX, the letters from TDbank with the fraudulent claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
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:
XXXX incidents : 1. I asked the bank representative why I was mailed a XXXX Visa card. He insisted I only have XXXX account, even when I showed him the XXXX cards. He got annoyed with me and shouted ( loudly ), " Why do n't you just go pay the bill! You have XXXX dollars in your account, so use it! '' He did yell out the actual balance in my checking account. 2. ATM would n't accept some of my cash, so I went inside and exchanged the bills. Same thing happened. Total of my wait time at ATM was 35 minutes. I could n't go to teller because only XXXX windows were open and XXXX people were in line. I spoke with a representative who brushed me off with " It 's a busy day '' and made no effort to help. I never made the deposit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received a letter from Bank of America on XXXX/XXXX/2016 that my account was being closed due to " a careful review of your banking relationship ''. The letter had a number on it that was not listed on Bank of America 's website. I called their customer service and asked if the letter was real and if my account was being closed and they said that no it was not and everything was fine. So I dropped the matter and did not think about it until on XXXX/XXXX/2016 I got a low balance below {$25.00} email from Bank of America. I tried to log into my account online and it denied me access saying " Their is no open account registered with this Username and Password ''. So i called customer service and a lady answer and said let me pull up your account. Then 5 seconds later said let me transfer you. She transferred me to a voice mail service where i could leave a message and someone would return my call. At this point I hung up and waited for the next day when I went to a branch to speak to someone. My mother who is also on the account went to the branch at " XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, MD XXXX '' and asked to speak to someone and the branch manger walked me over to someone who pulled up my account and said, " I ca n't talk to you '' and gave her a the number XXXX to call. I called the number where again i was sent to a voicemail system again. This time I left a message and gave my name, phone number and account number. I did not receive a phone call until I was at work on XXXX/XXXX/2016 and they left me a voice mail and said to call back at the same number that sends you to voice mail. I left another message and finally some one called me back later on XXXX/XXXX/2016. He said that my account was being closed. I explained how the customer service said my account was not being closed after receiving the letter and he said, " We sent you a letter ''. Then he said that the money in the account would be mailed in the next couple of days and i would have to wait for the check. I have to wait and hope they send me my money from my account at this point since no one will talk to me at Bank of America.

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: Navient Solutions, LLC.
State: NY
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:
MY STUDENT LOAN IS BEING REPORTED AS 120 DAYS LATE IN 2014. I WAS IN SCHOOL DURING THAT TIME AND GRANTED AN INSCHOOL DEFERRMENT. NAVIENT HAS SENT THIS INFORMATION TO ME STATING THEY REMOVED THE NEGATIVE REPORTING. HOWEVER THIS NEGATIVE REPORTING IS STILL ON MY CREDIT REPORT WITH ALL XXXX BUREAS. I HAVE ASKED NAVIENT TO REMOVE THIS SEVERAL TIMES BUT MY REQUESTS ARE FALLING ON DEAF EARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of inquiries which do not belong to me or were opened without my permission. 

XX/XX/XXXXXXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2015-07-21
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
this company has placed a collection account on my credit but the debt does not belong to me and it was not validated. I have sent this company certified letters since XXXX 2015 and they continue to ignore me and report the unknown account on my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-07-05
Company: Southwest Credit Systems, L.P.
State: NJ
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:
Southwest Credit Systems is reporting a debt that I know nothing of to the credit bureaus which is causing me damages due to the harmful listing. I disputed the account and is certain that they are in violation because the debt was never validated. They 're supposively trying to collect a debt that from XXXX XXXX. I never had XXXX XXXX. I live with my mother and she does n't have XXXX and never did. I will not pay for something I do n't owe. I will do my part to address the mistake and if necessary pursue other means to protect myself and my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: Netspend Corporation
State: IN
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
The company netSpend has mailed me an unsolicited, unwanted personalized prepaid debit card, received today, XXXX XXXX, 2015. I have not ever asked for this card. It is unsettling receiving an unsolicited card with my name already personalized, and a sticker with phone number for me to call to activate it in my name. 

Calling the company requires interaction with an automated voice system and the only way to get to a person at all without getting kicked off the call is to select an option that is not for the reason I was calling. After several attempts to get to a live person, I pressed the number for " If your card is lost, stolen, or you 've never received your card ... '' Even then, the system reported that they were experiencing a heavy call volume and gave me options to hang up, select a time for a callback, or have someone call me back as soon as possible. I reluctantly selected a call back, but have yet to hear from anyone. 

Because I am very concerned about my identity records, unwarranted liability, and financial vulnerability, this has taken my time and attention trying to reach the company to scold them for sending me this card and demanding that they remove my information from their system. This business practice must stop! 

I am filing this complaint for the financial and privacy reasons stated, but primarily because of the stress of receiving the card in the mail at all and feeling that I needed to do something about it right away, although it is wasting my time to do so. 

Thus far, the company has prevented me from complaining to them about their actions and I find that grossly unacceptable. Their computerized phone interaction is unfriendly and dismissive at best, not allowing me to accomplish what I called about at the number they publicize on their web site and on the back of the card they sent. 

There is very tiny print on what I got in the mail giving information about how to decline the card offer and/or opt-out of future mail offers from netSpend. It is tucked away and does not address the problem I am reporting. I should not have to ask not to receive such mail with a personalized card enclosed. Something like that should never have been sent. I should not even need to go to the trouble of shredding the card and filing a complaint about receiving it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have an account with Huntington National Bank, and I am also set up with text alerts. I manage my account based on the current balance and what is outstanding. On XXXX I received a text alert stating my account had over {$300.00} positive in my account on XXXX. and every time I swiped my card XXXX average swipe was no more than {$10.00} per transaction ), leaving me with an end of day balance of around {$310.00} at day end processing. I had a check go through the follow evening on XXXX for {$75.00}, and it showed my beginning day balance of $ XXXX. I called the branch and no one was able to speak to me at the time I called, so I left a message. I then called the Branch Manager later that evening and spoke to him and he reviewed over the phone, and said he would talk to his district manager and call me back. By the time EVERYTHING went through and posted ) ( minimal debit card transactions ) My account was XXXX. Not one PERSON could explain why. I contacted telephone banking on XXXX, to no avail, no answer.. called the branch again and they advised the Branch Manager no longer worked there. I then left a message for the lead teller. She never returned my call. Then on XXXX, I called again and finally spoke with the Asst Branch Manager, and explained everything ( by now I had racked in over {$300.00} in service fees XXXX. He then advised that there was a debit card transaction that had gone through my account of {$300.00} and it was approved and paid. It was a legitimate charge however, I was NEVER told this previously and my text alerts never reflected this transaction coming through ( as it should, since I get an alert with EVERY transaction ). I told this to the ABM, and he said that I should not rely on my alerts as truth. I then told him then why even have that as an option, if it is n't correct. He could n't answer that. I told him I wanted to speak with his Regional Manager. He left her a message. She called me back yesterday, and although she is " sympathetic, '' she will not refund any fees. She said that I had been allotted enough fee waivers, and even though it was their fault with not properly posting the real debit on their end, there would be no fee waiver. This is completely disconcerting. This is unfair and very deceiving practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-16
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Citibank cancelled a credit card and will not reopen. I was given no notice that this card account was being terminated- This has affected my credit score. 
I had this account for several years-since XX/XX/XXXX andI never missed a payment-I was never late with a payment-I never did anything but pay on time and they cancelled the card. I was told that i had not used it for a considerable length of time so they closed the account and they said that they do not have to tell me that this is going to happen-they can do this at their discretion. I tried to find out when the last time was that I used the card but this is an online account and I have no access any longer.I can not obtain any information from the website any longer as this account is now dead and closed and phone customer support would not give me the information either. The closing of this account has hurt my credit score and I feel it was closed for absolutely no reason and I had no warning that this card was being terminated. If I had I certainly could have put a purchase through on it to keep the account viable, but it is closed. When I first found it was closed I contacted customer support where the agent had no idea what I was talking about and initiated a credit limit increase-which obviously was not what I was calling about so this was turned down. Then I called again and spoke with a supervisor who pretty much told me she would resubmit my desire to reopen the account but that it would probably be denied and it was. I was told that this was because I have a lot of accounts and have considerable payments and they would not reopen but had I used this card it would not have been closed so my outstanding balances were not an issue then but they are now-they had even sent me a new card with an expiration date of XX/XX/XXXX so I do not know what happened. Just want to try to get this reopened-even if the credit limit is less than it used to be.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: Vital Solutions, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a XXXX card back in 2014. My first purchase was for a tablet. I made monthly installment payments on the tablet until it was paid in full. There has been major disputes with this company as they put me into collection for {$380.00}. This is all from fee's/interest/late payments. I 've contacted XXXX several times and I provided them with proof that they took the payments from my bank account. It was verified with 1 customer service rep that the tablet has indeed been paid in full. Another customer service rep told me I was suppose to make the payments to the XXXX not to XXXX. Regardless they received there money. I was furious when I saw on my credit report that they sent me to collection. I contacted the collection agency 's today and was told for {$250.00} they will settle and close the account. I was also told that crown assets took over XXXX. XXXX is no longer existing according to the information I received today. I explained to the collection agency that I am not paying {$250.00} for something that has been paid in full. I am also not paying for any late fee 's that were assesed to the card because I never paid late. I tried contacting XXXX today but to no success was I able to get anywhere. I was told to contact the collection agency. I told them I did that already. I am very upset with this company as this is affecting my credit score and affecting me in obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: Southwest Credit Systems, L.P.
State: KS
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:
Debt was paid to SW Credit Systems, for a XXXX bill. SW Credit systems was called and I was told that XXXX would have to remove the debt from my credit report. I then called XXXX and was told that SW Credit Systems should have removed the collection off my credit report beings they were paid. 
The collection shows it is still under SW CREDIT SYSTEMS as XXXX XXXX XXXX as the creditor.

Company response to consumer: Closed