BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-15
Company: First National Collection Bureau, Inc.
State: CA
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:
Trying to collect debt from 2006 on an expired bank account in another city. This account originally had been closed by ME, and the bank failed to issue me the last remaining few cents in the account. An automatic payment came through the bank ( that I had cancelled but still tried to come through ), and they PUT IT THROUGH, though the account was closed! It was a small amount, maybe {$25.00}. 
After that, this XXXX Bank started charging enormous interest on the bounced fee ( 6 % daily compounded if I recall! ) and amount that went through. It kept going until it reached the sum of : {$250.00}, when they notified me that the account had not been closed properly and they were still charging daily interest. What took so long? No wonder they went out of business. N one trusted them! I have never known a bank in my life that added such large interest to a bounced check, especially considering the account had been closed out!! It was clearly a money making racket! I had absolutely no way of paying this fee back at the time, and felt it was perverse based on the way it was compiled. I tried to explain to the bank, but they were unreasonable and would not listen. They could only see $ $ signs. I suppose after you do this to enough people, you could be looking at quite a bit of money! 
I see no reason for letters to be sent to me now, after 9 years, and phone calls to be made, from a place called First National Collection Bureau , Inc, listing RJM as the creditor, with the original account at Compass, threatening me for legal action and the ruining of my credit based on a fraudulent amount of money that I owe. I do not have my bank records that far back, as they were left in my parent 's garage and after my father passed, everything had to be taken out to sell the house. It SHOULD be on this bank to prove the burden of debt. I was told by the agent that they can not do that because the original creditor has the records, and they bought the bank. Really? If they bought the bank, then they should have the records! They are charging over {$200.00} of interest, at the least. NO mention of compounded daily interest was mentioned for bounced checks when I signed up to that bank initially, none!! 
I was told by this debt collector that called that debts can be collected up to 15 and 20 years if it is valid. That is NOT what I have read. I have read that after 7 years that are dropped. And even if this is incorrect, it is illegal for a collection agency to buy an old debt to try to collect for themselves, and to lie and say they bought the bank ( it went out of business ). This agent argued with me over this. Sorry, I know my rights!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: Netspend Corporation
State: AZ
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Fraud or scam

Complaint:
I received a Prepaid Debit card in the mail with my name on it from a company called " NetSpend ''. The letter that came with it explained how to active it and the costs. I was very upset that the card was created with my name and put in the mail. Even though this card was " prepaid '' it had my name on it. Anyone who received it could have used it to establish credit in my name. I called the company to ask them to take me off the mailing list and how they got my name? An automated recording started and asked for the credit card number ( which I destroyed so I did n't know it ) or my SSN. How would they know my SSN? The call was then answered by a person. I asked the customer representative about it and he stated I was n't in the system. I asked him to remove me from their mailing list and make sure there is no account with my name on it. He stated I was n't in the system. If I was n't in the system how did I get issued a prepaid credit card? I asked to speak to a supervisor and waited over 10 minutes which the representative said was still busy and I should try to call back later. I am very concerned this could lead to identity theft. I still do not know if this company has an account with my name open or if it has removed me from the mailing list.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Debt Recovery Solutions, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
someone has been going to the hospital under my identity, which is fraud. I also have active XXXX insurance. the date of this account open is XX/XX/XXXX, XXXX and it is placed for collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Hello, I purchased my car from XXXX XXXX via Huntington National Bank financing on XXXX XXXX, 2012. It has recently come to my attention that my interest rate was not a reflection of my credit score at the time of purchase but rather an unfair Increase in order to make a greater profit from me. As a woman, with very little knowledge and experience about car buying I feel taken advantage of from XXXX XXXX and Huntington Nation Bank. 

At the time of purchase my credit score was about XXXX and my interest rate for this loan was quoted and charged at 9.50 % APR. I think this rate is too high for my credit score at the time and XXXX XXXX and Huntington National Bank used unfair credit practices towards me. 

Thank you, XXXX XXXX OH, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: American Credit Acceptance, LLC
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I was accepted for a car loan through American Credit Acceptance in XXXX. The amount loaned was about {$8000.00} at a high interest rate. It is now XXXX and my work has been affected by the pandemic leaving me unemployed for about half of the year in XXXX. I have paid over {$12000.00} on my car that is now only worth {$2500.00} according to XXXX. I offered to pay them {$3000.00} coming to over {$15000.00} to settle and pay off the car in full. They rejected my offer after explaining my situation and that i have paid over {$3000.00} in repairs. I can not refinance the car due to its age and mileage. When i called the pay off was {$5400.00} and even though i have been affected by this pandemic they still did not accept my offer. I believe this is Bad Business Practice as i have already paid so much over what was loaned and what the car is worth. I do not want to file for Bankruptcy so please be more compassionate during these times. I offered them more than a fair amount only to get rejected and taken advantage of. This is a Predatory company taking advantage of people who are already going through hard times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card
Issue: Convenience checks

Complaint:
I recently wrote convenience check from my Barclay credit card and it posted on XXXX/XXXX/XXXX for {$1400.00} for my standard APR. Three days later on XXXX/XXXX/XXXX I receive more checks with a promotional APR of 3.99 % through XXXX of XXXX. I called in and asked if the promo rate could be applied to my {$1400.00} transaction and I was told no. Prior to writing my check I called in to determine the cash limit on the card and the representative did not inform me that any promo rates were available or checks were on the way. I work for a major credit card issuer and understand how long it takes for items to process and mail out. There is no way this was not available to that representative. Not only is it completely ridiculous that a transaction that posted 3 days early can not be switched over it 's downright insulting and deceptive to mail these promo checks after I 've just written one for my standard APR. I only asked the company to have the promo APR applied to the one transaction, nothing more, and both request I made were denied. Had the first rep I spoke to informed me these checks were on the way, I would have waited 3 days and used them instead. The difference in monthly interest charges is going to cost me ~ $ XXXX {$250.00} a month ever month until next XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-02
Company: Netspend Corporation
State: VA
Product: Prepaid card
Sub-product: Government benefit payment card
Issue: Unauthorized transactions/trans. issues

Complaint:
My tax refund was direct deposited to a netspend prepaid card. I filed my taxes with turbo tax. Once my tax refund was deposited to my netspend card within a week and a half there was fraudulent activity on my account so I filed disputes and closed my netspend prepaid card account. 

Once the disputes were investigated it was proven that fraudulent activity had occurred and I was to be credited back {$340.00} back. Since my account was closed I was told that I would be sent my return of funds by check mailed to my address of record. When I never received my check I called netspend several times and literally spent over 3 hours on the phone in XXXX different calls trying to find out when I would receive my refund from netspend. I was hung up on several occasions. I was treated very rudely then I was told that my check was sent to the IRS because that is who originally deposited funds in my netspend account. 

I spent countless hours on the phone and in person with the IRS only to be told that they have nothing to do with a refund due me from netspend because of fraudulent activity on my netspend account. The IRS stated they never received anything back from netspend. The IRS said once my original tax refund was deposited into my account they have nothing more to do with my netspend account. That makes sense to me. 

After speaking with the IRS I made several more attempts to get my {$340.00} from netspend. Once again they told me that they sent it to the IRS. The IRS states they never got it and would never accept it even if they did. 

This has been going on since XX/XX/XXXX. It is now XX/XX/XXXX and I have yet received my {$340.00}. I keep getting the run around from netspend. I am XXXX and have been treated like trash by netspend and still nothing has been resolved. I am at my ropes end. This has caused so much emotional distress having to go through this. 

I want my {$340.00} from netspend they have been holding it for nearly 3 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I understand that there is a class action lawsuit against Navient, formerly known as XXXX XXXX. I do not understand what I should do at this point. Is there anything that I need to be doing due to this?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: TCF NATIONAL BANK
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
XXXX bank have my XXXX  and the amount I paid on monthly basis was XXXX. There was a credit on my account for {$1500.00}. Total loan amount was {$94000.00} and XX/XX/XXXX, when I refinanced the loan my refi bank paid XXXX {$95000.00} Including all the closing cost that was required. To date XX/XX/XXXX XXXX has not sent a final statement All I received is a check of {$160.00} with out any explanation of how my credit was applied towards the account. I have spoken with bank customer services and no one is giving me a straight answer. 

XXXX : XXXX XXXX Loan Started in XX/XX/XXXX {$94000.00} Credit as of XX/XX/XXXX on XXXX account {$1500.00} Loan closed by REFI XXXX with amount {$95000.00} Received a refund of {$160.00} without any explanation on closing statement. My new lender shows XXXX was paid off with all the associated closing cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: The Law Offices of Kenosian & Miele, LLP
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Hello i took a loan out for with a pay day loan company and lost my job a few months later something out of my control i let the company know and they did not care or listen or work with me on the situation and continued to harras and call me and my old job that i did not work for anymore a few times with out consent or after i told them to stop calling..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I have contacted nelnet multiple times over the span of the last month to request a 30 day payoff statement, with my full name, full account number, and a breakdown of my loans on it. Every time I request this, they say it will take five business days and then I receive nothing. I feel that I am being intentionally stonewalled here as they know I want to take my business elsewhere but they know I ca n't unless I receive the proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I lost my business in the recession in XXXX and was forced to file for bankruptcy.My house that I had at that time was included in that bankruptcy and discharged but Bank of America /XXXX ( not sure- this loan has been sold many times ) continues to send me notices that I not only owe the loan amount but interest they have calculated since then which they say is double the amount of the original loan, which they are claiming close to XXXX dollars!! Even though, I put down {$280000.00} deposit when the house was purchased in XXXX. I do n't know why this is continuing after all this time has past. I have also been sent recently a foreclosure on that same property from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My TD bank check was somehow stolen, forged, multiplied and my account was emptied in beginning of XX/XX/2021. 
The bank Fraud department not answering my multiple requests about the status of investigation and not reimbursing me for stolen money. 
There was a clear negligence in cashing the forged checks, that sometimes had the same exactly numbers, or different name that my company. 
XXXX XXXX, the owner

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-02
Company: SYNCHRONY FINANCIAL
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
XXXX XXXX 2016 Consumer Financial Protection Bureau - CFPB Let 's start with : " Usury is the act of lending money at an interest rate that is considered unreasonably high or that is higher than the rate permitted by California law [ and U.S. Law ]. '' My complaint : This is in regard to my credit account CareCredit of which all payments were made to Synchrony Financial ; also, there was never a late payment. 
According to their most recent statement my 2016 totals of the years to date are as follows : Total Fees charges in 2016 {$0.00} Total Interest Charges in 2016 {$220.00} Total Interest Paid in 2016 {$810.00} No new charges have been applied to this account in over a year. Further, please note that I opened this account approximately two years ago with no interest paid during the promotional period to open the account. If not paid in full within the first year, the interest rate is now applied to the overall balance in the second year, thus, combining the XXXX balances creating the interest so stated ( {$810.00} ). I was never informed of the 'combination ' creating that interest in dollars and cents. Had I, my decision knowing what the interest and payments would be would have definitely changed my position regarding the continued relationship with CareCredit. 

I have no problem with the arrangements during the promotional year and no problem with the interest added after the first year. It is combining the interest from the first year and adding it in thereafter, thus, the total interest amount that I am paying of which I base the term -- usury. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, et al do not go back and charge the first year interest free if the balance is not paid. Again, I would have opened an account with a lending institution had I known they were going to charge me {$810.00} plus in interest cost for such a short time. 

The dentist office called in the information for me and then I was approved. When I signed the agreement, I had just had a root canal so the part that supposedly stated all has to be paid in full or you will pay over 50 % interest was not clear ; nonetheless, this should not be allowed. 

In addition, when XXXX XXXX took over the balance, they sent me a bill for {$32.00}. 

Sincerely,

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 2021-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I submitted an identity theft report XX/XX/21. The FCRA requires a block of information resulting from identity theft. Block and delete all information in the attached documents. I'm authorizing you to take action on this account immediately.

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 2021-03-17
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/202, all of a sudden without any notification and commnucation, Amex closed 9 of my accounts and took away all my Membership Rewards points that worth over {$3000.00}. I was informed that a few past interactions was not very professional with customer support representatives. 

Right after I notched 9 of my accounts were closed my Amex yesterday, I immediately follow up the procedure to communicate and get help from the corporate office. 

I was decently polite and professional with an executive member over the phone to talk through the situation of the frustration I had with customer support representatives in the past. I truly want Amex to take a second look at the situation again and give each other a second chance moving forward. 

After talking to the an executive member, she told me she couldn't help to reopen my accounts. I tried talking to Amex Financial Review department to see if I could any help from them. However, I was by a Financial Review representative that she doesn't have the authority to do anything, besides documenting what we have talked in the conversation, which she did agree that I am a very respectful and fair customer. She suggested to keep calling the executive team again and have them take a look at her notes and listen to the recored phone conversation with her to have a second chance to reopen my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
We have an auto loan and mortgage with Chase Bank. We got a home equity loan through our bank, XXXX XXXX. XXXX XXXX sent the auto loan payoff check for {$13000.00} which was received by Chase on XXXX/XXXX/2016. The check was made out to Chase Auto and included the auto loan account number. We waited about a month and when our loan was n't paid, we contacted XXXX to find out where our payment was. That 's when we discovered the check was posted to our mortgage loan, {$2400.00} to our monthly payment and {$11000.00} to the principle. The check processor hand wrote the mortgage account number on the check. We then called on Thur XXXX to have the payment transferred from mortgage to auto loan. During the call, we got disconnected. After calling back on Fri XXXX, they told us it would be transferred within 2 business days. We waited 4 business days and called back on Thur XXXX when it had n't transferred. They then told us they would correct the issue while we were on the phone. Today we called on Sat XXXX and they told us it would take until XXXX XXXX to have the payment applied to the auto loan but has already been removed from the mortgage account as a misapplied payment. Of course, this also means we have to continue making monthly payments until they resolve this issue and get the money transferred.

Company response to consumer: Closed with explanation