BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I keep receiving overdraft fees for charges I ca n't see until the next day. Usually when charge something on my debit card I can see it under available balance and when the charge is done processing I can see it under account balance history also. If I do n't have sufficient funds my card is rejected. With reoccurring charges I am not able to see them as processing in my available balance and can not see them in my account balance history until the next day ( because my account balance history can only show me what I have been charged at the end of the day the next day and not what I will be charged since it is a history of my account balance. ) For example, on XXXX XXXX I checked my account balance and it showed up as positive with no pending charges. Then, on XXXX XXXX I checked my available balance again and it was negative with an overdraft charge. My account history showed that I had been charged on the XXXX but only showed that on the XXXX. Bank of America policy is that if I overdraft I have until XXXX EST to make a cash deposit so that I will not be charged an overdraft fee. How can I know if there is going to be an overdraft fee and deposit money if I ca n't see it until the next day? This has happened to me XXXX times and I was able to get XXXX of the overdraft fees waived. When I tried to have them waived again I was met with complete refusal. I can not afford to pay these overdraft charges as I am currently unemployed. I have asked to opt out of overdraft protection. I have asked to have warnings and emails sent to me when I overdraft but nothing in their system is helping me and I 'm either not receiving emails or they are sent days later.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-14
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: Account information incorrect

Complaint:
I started the dispute process on XX/XX/2020 sending a total of 6 letters to Equifax about every 35-40 days. There is a closed collection item on my credit report from an apartment complex ( XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) ) that is reporting inaccurate information. Equifax has repeatedly stated the item has been verified as accurate from the furnisher. I have a notice from the company stating this. So around XXXX I reached out to the furnisher and asked them for all of the information pertaining to the account, per their request. What I received differs in more than one aspect on Equifax credit report. They have been reporting multiple things incorrectly including the balance. I sent Equifax proof of this information and they have done nothing. Well, they did update the balance 60-90 days after they said it was verified as accurate. And once they updated it, it was still wrong. On top of that I never received a notice of them updating my credit report. It was just updated on report without notice. I feel my rights are being violated. They said they verified it as accurate then realized it wasn't correct and instead of removing the inaccurate data they updated it and it was still incorrect. Is this Fraud? I've kept track of everything and can send all of my letters, proof of receipts and all of their responses as well. I have copy of my credit reports for each month since XX/XX/2020 where I can show theyve made updates after stating they verified as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: ENCORE CAPITAL GROUP INC.
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Received a call, and 3 second ( no actual message ) voicemail at XXXX Eastern DST ( my local time ) on XX/XX/2020.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-22
Company: CITIBANK, N.A.
State: SC
Product: Credit card
Issue: Billing statement

Complaint:
I have been a customer of citi cards for some years now, I have paid them on time, and above the minimum amount due., I received XXXX, statement, and paid {$600.00}, I never received XXXX statement, and on XXXX XXXX got a statement for XXXX, with past due charges, and they raised my minimum due to {$990.00} dollars, previous, it had been {$470.00}, When I called customer service, I had to get a supervisor to remove late charges and was told by supervisor that they are not responsible to send a statement out, that it is my responsibility to pay regardless, if I receive a statement or not. they blamed the post office, they said i should have received a call, which i did not! they had an email address that was 2 years old, so i guess i have been paying all along. They employ poor business practices, do n't care about customer, they should be fined for these poor practices. 
I bet i 'm not the only one this has happened to. 
and according to them they have no responsibility but to collect monies,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
Hi My Name is XXXX XXXX XXXX & my Wallet has went missing & now I'm getting strange mail @ XXXX XXXX XXXXXXXX XXXX XXXX  with the Name : XXXX XXXX XXXX. So I believe he stole my wallet. It had my D.L. & S.S. Card in it. The mail is about a Vehicle XXXX & XXXX XXXX phone. So it seems this guy is using my info somehow to finance his expenses. Please forward this info to the proper departments immediately. THANK YOU VERY MUCH!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I had been collecting unemployment benefits from the state of Arizona for the majority of 2020. I would have my benefits paid weekly onto a Bank of America debit card issued by the state of Arizona. On approximately XX/XX/2020 my debit card from Bank of America was closed without warning. There was the amount of {$1400.00} in funds remaining on the card. I have made numerous calls to B of A as well as Arizona XXXX. Both of them say the other is to blame but neither of them want to take responsibility and return the money to me. 

Can you help me get my money back?

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 2016-02-02
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have not been contacted by the company or received any validation of debt. I have attempted to contact this company multiple times to request validation of debt that is supposedly owed. This company also operates under SYndicated Office Systems. On XXXX report, they will report the account under Central Finance COntrol and another report they would report under Syndicated Office Systems. This company uses inaccurate addresses on the credit so that a consumer can not contact them to requested documentation for the said debt. Multiple attempts have been made where the company has recvd my certified letters and no response has been given to me. Some attempts have been made and my certified letters have been returned. I have given this company more than enough time to provide me with the proper validation of debt with no response and no documentation. I am requesting this company removed their accounts and their partner Syndicated Office Systems from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
When my brother was alive I did present myself to the lender ( Chase Bank ) with a power of atty. trying to collect and withdraw the total money in my brother 's savings account because my brother was XXXX XXXX XXXX XXXXXXXX ) and had few months to live. The answer I received was : Our legal department will look into it and after waiting several days, I was told the signatures do not look ok and refused to let me have the money. A month later my brother passed away ( XX/XX/2022 ) and the case went to probate. After waiting six month I received the probate papers last week and presented to the bank but ... ..again ... ..the answer I received was ... ..our legal department will look into it and there is a process that we have to go thru. Fine, I understand ... ..I did go to the lenders address at least few times with no result ... .bear in mind every time I go to their office... ..I lose money ( income ) from my work. I do have a family to support with a big mortgage on my house. The lender does not seem to understand nor care. They are dragging their feet. I submitted to the bank ALL necessary papers including my brother 's certificate of death etc ... .. and I left all these papers with them a week ago. This process that the lender is referring to really should not take this long as I do have my brother 's creditors calling me every day for their payments and I told them this .... the answer was ... .we don't care about that ... .. we have a process in the banking system. The person whom I talked to was XXXX XXXX XXXX at XXXX and the branch manager XXXX XXXX XXXX at same branch located at XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. Every time I was in that office I conducted myself in a professional way, did not press them and was very curtious.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have a checking and other accounts with USAA Bank ; much to my surprise and dismay, on Monday, XXXX XXXX, when I logged on to their internet site, I could view my daughter and her husband 's checking account information. Not only could I view their financial information but I could also perform transactions. This breach of security is disappointing in an institution which I had previously trusted. I have attempted to resolve this problem with USAA but have not received a satisfactory explanation or apology.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In a 120 payment option have sent in all information needed annually. I have made 54 payments since 2017 and that are only honoring 34. I have made payments all thru the pandemic even when not needed to. I just want to be able to have all my payments applied to my loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-26
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I sent letters to Equifax Credit Bureau from XX/XX/2021 and now we are in the month of XX/XX/2021 and still, nothing received any response from them. That means Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act law and continued to report inaccurate accounts on my credit report. Here are the following inaccurate accounts that need to remove completely from my Credit Report : XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
American Express added on features products that I did not activate or agreed to, such as pay overtime features ect. The XXXX XXXX XXXX XXXX made errors to billing statements as in my billing statements they made an error of over charging me a new balance charge of {$4400.00} from a XX/XX/ pay overtime in which my pay overtime balance should have been XXXX balance and by them not correcting the error it continue to accrued excessive APR -interest rate fees from XX/XX/ until the present, which is falsely wrong, therefore I have been paying interest fees and false late fees on a false balance for over 2 years. This is an over payment on a false billing statement balance. Due to American Express arbitration policy and due to their error Im due for statutory damage payment of {$5000.00} dollars. Im asking for them to settle, because Im really taking the loss in the amount they made in error and applying false late fees that triggered increase in APR rate fees.please review the XX/XX/XXXX threatening letter for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: Adler Wallach & Associates, 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:
In XXXX, 2015 I entered a written dispute with AWA COLLECTION reference account number XXXX as contained on my consumer credit profile at XXXX, XXXX and XXXX XXXX. Specifically alleged, AWA COLLECTION was attempting to collect a debt for which I had no knowledge and alleged was potentially opened by an unknown third party. Moreover, said account was appearing twice on my consumer credit profile notwithstanding the allegation of a single debt owed. 

AWA COLLECTION failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with AWA COLLECTION an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. AWA COLLECTION failed to report said debt as disputed and failed to conduct an investigation into my allegations of potential fraud. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. 

A review of records compiled by the state Division of Financial Services in Florida indicates that AWA COLLECTION is not currently licensed to conduct business pursuant to section 559, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX, XXXX and XXXX XXXX is an unfair and deceptive trade practice. 

Several phone calls to AWA COLLECTION have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of potential fraud. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my XXXX, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of potential fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: CITIBANK, N.A.
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is my XXXX complaint on a different subject. Citi Mortgage agreed to a short sale on our home and even told our real-estate company the price to ask for the home. We have had offers above and beyond the set price but Citi mortgage at XXXX declined the offers and now they tell us they never said they agree to a short sale and have no idea what we are talking about, even though they told us and our real-estate company XXXX that they agreed ( And gave our broker the price needed ) many times, and now they have changed their minds and will go ahead and foreclose. This is at least the XXXX time we have caught them in lies. Another thing that happen after my XXXX complaint was they called us and chew both my wife and myself out for reporting them to you. They were so rude that I had to hang the phone up on them before I said something I should not. It was very degrading the way they spoke to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21
Company: Triton Management Group, Inc
State: AL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
A few years ago I applied for a payday loan at Always Money located off of XXXX XXXX XXXX in XXXX, AL. This company went through name change and my last known balance with them was about {$330.00}. Also this company went through management changes so many times that it got to a point where they could n't find my account in the system and that they said I did not owe them a balance anymore. Now, it 's been a litigation office that calls me non stop almost every day about this account stating that I owe them about $ XXXXplus on the account. The name of the company is XXXX that is located off the XXXX XXXX. They would not give me there full address because of privacy reasons. They call from unknown numbers, local numbers and toll free numbers. When I look up their info on the internet it reads Fraud/Spam and the customer reviews says the same thing. A lady named XXXX XXXX from XXXX says that she will have my located on the premises of my job if I do n't pay them. I feel that this company is a spam and I dont want to give them any account information over the phone to pay them. They call me all day every day and if I fail to answer them they will call my sister, aunt, mom and harass them too. That is also embrassing and I dont know how they could possibily had got their phone numbers but we do not have a common name so that may be the reason. Is it true they can come to my job and serve whatever it is? They never verified my place of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
We have called several times for arrangement on our car payment and setup a deferment signed and dated XX/XX/XXXX and returned through email like requested. Fifth third claimed they did not receive so we resubmitted another document on XX/XX/XXXX. XX/XX/XXXX I spoke with XXXX at Fifth Third Bank about Covid hardships and they setup us up for a 3 month deferment. I signed and dated all paperwork the same day and emailed it back. I was assured that they received the email and We were told that our payment would not be due again until XX/XX/XXXX. I have all documents. They then sent out a repo truck and repoed our vehicle XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: American Credit Acceptance, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
My account has been sold to a company, I did not receive information of the new policies, now they charge late fees, request extra payment if the customer wants to make a payment on line or by phone, for every transaction they want to charge, I did not received notification and they charge late fees for payment when I do n't even know about the new company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2010 our clients purchase a manufactured home which had a lien from the previous owner. The mortgage was paid in full on XXXX XXXX, 2010 but a release of lien was never provided and now our client is in the process of selling their home. I 've requested, on 5 separate occasions, a release of lien. I 've provided all proofs to show that the lien/mortgage was paid in full. They lien holder has not acknowledged receipt of any of my requests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Looking over my report and noticed a medical debt that was paid but is still reporting on my credit report., I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to OHIO XXXX nor XXXX XXXX XXXX to release my medical information to a third party. XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX I am aware that HIPPA does allow for limited information about me but anything more than to OHIO XXXX and XXXX XXXX XXXX  is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization . 1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.

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