BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-07
Company: Maury Cobb, Attorney at Law, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Received letter from Maury Cobb Attorney At Law LLC- trying to collect a debt. That is not our debt, called them to let them know that the person to which debt belongs to does not live here nor has never lived here. They did not let me explain this and they hung up the phone on me, I tried to call them again to explain and was hung up on again. The Letter is addressed to XXXX XXXX which is my husband 's name XXXX XXXX but he is XXXX, the debt is for XXXX XXXX XXXX. When we first received a letter from XXXX to whom the debt is with. We called them to inform them that the Debt was for XXXX XXXX XXXX, who has never lived at this address, to please correct there records. Please Help me with this matter for obviously the staff at the Law Office was very rude and did n't let me explain this. I did n't want to speak about the debt for this is not our business, just to let them know that this person does not live here and has never lived here, They need to stop sending this letters to my home. I received the letter on XXXX/XXXX/2016 and called them this same day. If you would like I can e-mail or fax the letter to you. 
Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: Roosen, Varchetti & Olivier, PLLC
State: MI
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Accounts Account Name Account Type Open Date Status Balance XXXX Auto XX/XX/XXXX Closed {$300.00} Account Details Last Reported XX/XX/XXXX Creditor Name XXXX Account Type Automobile Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 42 Months Monthly Payment {$250.00} Responsibility Individual Balance {$300.00} Highest Balance {$7100.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XXXX Amount Past Due {$300.00} Times 30/60/90 Days Late 0/0/0 Remarks Payment after charge off/collection Returned voluntarily Payment History Latest Status : Collection/Charge-Off No payment history has been reported by this creditor. 


Creditor Contact Details XXXX XXXX XXXX XXXX, MI XXXX Above I have sent my credit report on the issue regarding to my voluntary repossession in XX/XX/XXXX. Now in are present date my checks are still being garish ; as u seen above it stated that my last payment was on XX/XX/XXXX which is not current cause my employer pays me weekly. Also my balance say {$300.00} and previous my check on XX/XX/XXXX was garish. If my paid weekly and last payment was XX/XX/XXXX I 'd over paid and still getting my checks garish.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I got a loan with one main financial in XXXX XXXX, I left my job for another XXXX. The payments were coming out of my bank account. I told them I no longer worked there I make less money and would be coming in to make payments. I got a local job asked them to lower my payments they were {$250.00}. I called the XXXX # the lady told me I had to go in the office and fill out paperwork for insurance. I did n't fill out insurance paperwork, but was threatened by XXXX XXXX of the girlsif I did n't come in and pay {$230.00} they would take me to court. I borrowed money and went in, XXXX XXXX of the girls XXXX XXXX ) told me all I had to pay was XXXX. I once again asked for lower payments I get {$150.00} all together in child support {$45.00} for 3weeks I turned this information in to them. I asked them if they would take partial payments since all together at the end of the month I have all the money. They no longer take partial payments. Once I get the money they have put a late fee on it, I 'm short of the money. I have explained this to XXXX who told me she had nothing to do with the late fee. I explained this to XXXX, XXXX I told them I would try to come up with the some money by Friday XXXX/XXXX/2016 they have called me every day. I won money from a pick XXXX when I made my last payment and I told them that. On XXXX/XXXX/2016 I had to once again tell XXXX I was out of work because my client passed away in XXXX and I have the obituary with my name on it. What did I pay insurance for, why they did n't change the date of my payments to keep from having a late fee? Why lie and tell me I had to pay XXXX fee and I go in someone tell me something different? I filed a complaint with XXXX I have not heard anything back. They have violated my consumer rights and being harassed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-26
Company: DriveTime
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a vehicle from Drivetime, They gave me a high interest rate but I was ok with it considering my credit rating. After driving the car for 3 years and bettering my credit I traded it in. The dealer that I traded to took awhile to send the payoff so my account was marked with my first late payment. I contacted Drivetime and explained the situation to them, They agreed to remove the late payment as a courtesy and I thank them for that. Fast forward a couple months and Drivetime is now XXXX, now the late payment is again reflecting on my credit report. I have contacted Drivetime again and even filed a XXXX compalaint just to be told that there is nothing they can do, which is XXXX because it was done before. I worked so hard to get my credit back into shape without filing bankruptcy just to have this single late payment ruin my credit again.

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 2016-01-08
Company: CASHCALL, INC.
State: MA
Product: Payday loan
Issue: Can't contact lender

Complaint:
I had previously put in a complaint on this company and they agreed to remove this amount friend my credit yet today I received a letter asking for me to pay them back, It is illegal for them to contact anyone In Massachusetts for a pay day loan. Previous case number XXXX. The fact that 3 years later I am still fighting with thus company is ridiculous. I want this company to stop contacting me regarding this balance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: Open Dealer Exchange, LLC
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:
To whom it may concern : XXXX XXXX XXXX I'm sending 4 attachment files with complaint letters, names & evidences of documents, that will further expound my complaint toward XXXX XXXX  XXXX XXXX, XXXX XXXX ( Financial Director ), XXXX ( Sales Manager ) and 700 Credit, XXXX XXXX ( Compliance Manager ). 
File 1 - Complaint letters of unauthorize inquiries, witness letter, XXXX XXXX XXXX ... 
File 2 - Evidences of proof reaching out - excessive unauthorize inquiries XX/XX/XXXX File 3 - Evidences of proof Credit Bureau Reports from XX/XX/XXXX - XXXX, XXXX File 4 - Evidences of proof Credit Bureau Reports from XX/XX/XXXX - XXXX, XXXX File 1 Contain 8 - documents : 1 Introduction letter of " Step 1 - 5 '' 4 personal letters of unauthorize inquiries XXXX letter my wife XXXX XXXX XXXX 1 letter from XXXX  credit inquiry and 1 letter from XXXX  XXXX rescinding inquiry ( that dated XX/XX/XXXX instead of XX/XX/XXXX File 2 Contain 5 - documents : Reaching out to 700 Credit ( Compliance ) on XXXX, XXXX ( email ), XXXX XXXX XXXX XXXX XXXX XXXX , Customer Care Team & XXXX XXXX ( Financial Director ) on XXXX, XXXX & recent on XXXX XXXX, XXXX ( email ) File 3 Contain 4 - documents : 1 return letter to Consumer Dispute Request 3 Credit Bureau Reports from XX/XX/XXXX XXXX, XXXX * ( see File 1 - personal letters pages 1,2 and XXXX XXXX letter ) * File 4 Contain 8 - documents : Reaching out in person on XXXX XXXX, XXXX 3 credit reports from XXXX  and XXXX  XXXX XXXX ( see File 1 - personal letters pages 3,4, XXXX 's letter and XXXX  letter ) ** 4 700 Credit, XXXX XXXX ** ( see File 1 ... ) ** 1 XXXX  XXXX XXXX special note ) : reported excessive inquiries Step 1 - Unauthorize usage of my credit XX/XX/XXXX - XXXX, XXXX ; XXXX XXXX - XXXX, XXXX Step 2 - Refuse to correct/remove illegal activities Step 3 - See attachments File 1, 2, 3, 4 Step 4 - XXXX - XXXX of XXXX XXXX XXXX 700 Credit Step 5 - XXXX XXXX ( Financial Director ) and XXXX ( Sales Manager ) of XXXX - XXXX of XXXX XXXX XXXX XXXX XXXX ( Compliance Manager ) and XXXX XXXX ( Compliance Coordinator ) of 700 Credit

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 2016-08-30
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A death occurred in my apartment while I was away from home for about a week. When i came back it was a month before my movout date but felt early departure was nessisary due to the current circumstances. Upon looking for a new residence to live in, 10 months after i moved out, I am finally notified of the remaining balance owed to my apartment managment. I called my old apartment complex to try and resolve the issue. They insisted that I come by in person and pay the full amount, totaling over {$5000.00}, in cash. I called the collective agency and they informed me that the aprtment complex was legally obligated to resolve this debt through a collector, but they had no documentation of a claim. I myself had to coordinate between the debt collector and apartment to get a claim filed. This took about a week and by the time it was filed my apartment was under new management. I decided to go in person and speak with this new manager. She told me that she was not informed about the situation at all, so we went over my account and she was appauled with how many unnecessary charges were present. Not only did she deduct about {$1000.00} worth of charges, she also told me that the previous managment had never recieved my former roomates social security number and there was no way to contact him or hold him liable for any part of the debt. At this point the consistancy of unprofessional occurrences led me to the believe that this dispute was nessisary. Not only did they try and over charge me AND pocket the money without going through an agency, but the lease was faulty from the beginning, and they knew i would be the only XXXX able to be held liable for any charges upon moving out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: North Shore Agency, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
Received a letter in the mail from North Shore Agency, XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX stating that they are writing to collect {$24.00} that I owe for XXXX magazine subscription. 
No other details about my subscription provided to substantiate for which subscription period etc. 

I have all records showing subscription is paid and check was cleared by XXXX XXXX magazine for my current subscription.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
As I see the most recent news into the lawsuit against XXXX, I have to reach out in regards to another XXXX loan agency -- NJ Class. These loans are administered by a state agency, the New Jersey Higher Education Student Assistance Authority ( NJHESAA ). The constant disorganization of the company and the horror stories I hear from other people -- I feel like this is a prime example of a loan agency unwilling to help students pay back loans affordably. These loans come with high interest rates with no end in sight on when or how to pay back. The site has not been updated in 10 years, making it extremely hard to track progress and understand loan payback. They do n't offer good refinancing options -- only a 25 year option. Their customer service agents are rude and condescending. I 've had several incidents where I called and one agent told me one thing & the other told me another -- which in the end costed me hundreds of dollars in interest that went into their pocket. There are a few inconsistencies with bill dates & how much interest you accrue. Overall, they are not an honest & reputable agency -- like XXXX, they should be looked into. I have been lucky enough to pay off most of my loans to date but I know the struggle and strain it has put on myself, my parents, my brother, and friends.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: Amsher Collection Services, Inc.
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
On XXXX/XXXX/2016 i found identity theft on my credit report and began the process of contacting the account holders to resolve the issue. 

XXXX was contacted on XXXX/XXXX/2016 and they do not have a fraud department that anyone can talk with, i was speaking with customer service rep named XXXX and he submitted the fraud claim against the account, XXXX fraud department was suppose to contact me in 3 to 7 buisness day, i was never contacted. 

On XXXX/XXXX/2016 I was contacted by XXXX XXXX Office manager for maury cobb 's law office. I explained to him the issue and faxed him a copy of the police report. i was once again never contacted by t-mobile or maury cobb. 

On XXXX/XXXX/2016 i found that XXXX was still on my credit record and contacted them again and they said that the account was determined to be a legitimate account and was turned over to collections. They give me the collect agency, they said they did not have the account it had be turned over to there Lawyer. ( XXXX XXXX ). Contacted XXXX XXXX and the XXXX person would not give me their name. Called collection agency back and they give me a number to XXXX XXXX, spoke with XXXX XXXX and he understood my problem on the XXXX call and said he had to talk with his office manger and would be calling me back by XXXX i never received a call back by XXXX called so i call them back. XXXX XXXX was very rude and unhelpful at this point and said i need to contact XXXX again and they would be sending me a fraud form in the mail. Contacted XXXX again and they have not been contacted by XXXX XXXX or his law office. 

Called XXXX back the night of XXXX/XXXX/2016 and spoke with XXXX ( employee ID XXXX ). He once again told me that XXXX does not have a fraud department that i could speak with and resubmitted the fraud paper work it would take 3 to 7 days for someone to contact me. 

On XXXX/XXXX/2016 called XXXX back and the fraud department determined the account to be a relationship fraud and need the police report faxed to them. I explained to XXXX ( employee ID # XXXX ) that this could not be a relationship fraud because the account was opened by an unknown person in texas and i live in alabama with no connections to texas. 

XXXX/XXXX/2016 - Faxed a copy of the police report to XXXX and called to check to ensure they received the report. The customer service rep did not see that the fraud department had receviced the fax and would make a note on the account. He did not give me his employee ID #. 

Information from XXXX Fraud account number - XXXX customer service number - XXXX Collection agency information Amsher - XXXX XXXX XXXX information XXXX XXXX - XXXX I have attached a copy of the police report as well as fax transmission report to both XXXX and XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: BOEING EMPLOYEES CREDIT UNION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened an account in 2014 with BECU that came with a free credit line for working with XXXX. Earlier this year I hit a snag with my paycheck at my job being switched and used the card as an emergency resource to eat. 
I thought I had the balance covered from having money taken out of my account, but when my card was going through I was told that when my balance was low, it was actually pulling the rest of the cost from the credit line. 
When I discovered this was happening, I called BECU and requested that this feature be turned off. By this point my credit line was closed because my checking account was {$0.00} and was unable to make the automatic payment to the credit line each month. This was about XX/XX/XXXX. 
Fast forward to this summer and I received a call from a company working for BECU saying that my card was compromised and was billed for a charge in XXXX. At this point I 'm trying to pay off the credit line and this pops up and drains my account. I found out that my checking account was n't able to cover the balance and that a portion of the fraudulent purchase was pulled from the saving account this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My eight years account with Bank of America was subjected to a monthly maintenance fees of {$12.00} per month since last year XXXX XXXX without any prior NOTICE/INFORMATION or explanation from the bank. When I called the bank for explanation and refund i was told by XXXX of the bank official that I have to maintain a direct deposit of at least {$250.00} or a minimum balance of certain amount. I informed the bank that even during this period of review XXXX XXXX XXXX, XXXX there were instances of irregularity, that is situations where I had a single direct deposit of over {$250.00} into the account and my account was still subjected to this illegal {$12.00} service fees. 
The bank will not refund my money when I asked for a refund despite the fact that I was not informed of any changes or the existence of such fees since my banking with the bank for the past 8years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-04
Company: Choice Recovery, Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
this was a duplicate charge by the medical practitioner. A complaint should be filed for overbilling practices.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-06-05
Company: Mid-Atlantic Consumer Services
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I believe the company to be a scam, and trying to get money out of me. Contacted me on a " ten year old debt '' that I 've never heard of until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: EQUIFAX, INC.
State: NC
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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America has refused to follow the rules when it comes to foreclosure processes. I have repeatedly informed Bank of America the modification process is incomplete and pending due to the fact no written determination on appeal has been issued to me by an Appeals Specialist of the Appeals Department. However, Bank of America broke the rules by starting the foreclosure process before completing the modification process, a practice prohibited by law commonly referred to as Dual Tracking. 

Bank of America had no intention of honoring my request for mortgage assistance by offering me a Making Homes Affordable ( MHA ) Home Affordable Modification Program ( HAMP ) Trial Payment Plan ( TPP ) as the Bank of America Appeals Department instructed and directed on XX/XX/XXXX upon completion of the timely requested appeal review as a result of the XX/XX/XXXX MHA HAMP incorrect denial. Once it became clear to me Bank of America decided not to modify and chose to separate me from my home by hook or crook and an improper non-judicial foreclosure, my only option was to force Bank of America to bring the matter ( or related matter ) through California XXXX Court to be decided. This is where we are at. Bank of America must bring legal action to evict me from or gain possession of the subject property. To successfully do this, Bank of America must first prove Dual Tracking, or any other violation of law, has not occurred allowing for the XX/XX/XXXX recording of a Notice of Default ( NOD ) resulting in the XX/XX/XXXX Trustee 's Sale at public auction. 

All previously mentioned resolutions are desired and mandatory.

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