BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-05
Company: M&T BANK CORPORATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Dear XXXX XXXX. 

I am writing to you in regards to unsatisfactory resolution on the above mentioned disputed item on my M & T Debit Card. 

On XXXX XXXX, 2016, I attempted to make a purchase with XXXX. The transaction was declined for insufficient funds ( copy of decline enclosed ). A few days later, when reviewing my account online, I noticed the charge had posted to my account. I immediately contacted your Call Center and filed a dispute against the charge. I was issued a conditional credit while the investigation was conducted. On XXXX XXXX, I received a letter from the Disputes Department asking for supporting documentation, which was provided and immediately returned. 

On XXXX XXXX, I received a letter advising the dispute and been reviewing and was placed in the favor of XXXX and the credit was reversed on XXXX XXXX. That same day I contacted your Customer Service Group XXXX to discuss the transaction. I first spoke to a Representative, XXXX and finally had to ask for a Supervisor, XXXX. XXXX advised they would work with XXXX from the " Back Office '' and for me to also contact XXXX, this call lasted for XXXX minutes. Following his instructions, I contacted XXXX at XXXX XXXX ) XXXX and spoke to XXXX, which was a Call Center in a XXXX Country. She indicated an Account Specialist would contact me to resolve my issue. I received, the enclosed form, which had no bearing on the purpose of my contact. 

On XXXX XXXX, I once again contacted your Call Center and spoke to XXXX, a Rep and then to XXXX, a Supervisor, and finally to XXXX another Supervisor. XXXX advised me that this case is closed with M & T and that there is nothing that the Bank can do to help me with this issue. As I have indicated to each person I spoke with, I received a decline letter and no merchandise was shipped to or signed for by me at my address. I work for XXXX XXXX, Monday through Friday from XXXX until XXXX and your Disputes Department indicated I signed for this package. I am a single person living in a single family Home. I have asked for that " signature '' to be compared to my Signature Card on file with the Bank, and no one wants to take ownership for this issue. I ca n't absorb this {$1100.00} and subsequent Overdraft Fees that have occurred. I work very hard for my money day in and day out and other transactions, Utilities and Insurance Premiums have been returned and OD Fees charged to me as a result. 

I spoke to a friend over the weekend that works for XXXX XXXX XXXX XXXX and she indicated that this could be returned to XXXX as a " Good Faith Collections '' item?!?! 

I am looking for your personal interaction to please help resolve this issue and plead for mercy. 

I have been charged XXXX indvidual NSF @ {$38.00} for this transaction

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-27
Company: Herbert P. Sears Co., Inc.
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:
I am owing money to XXXX, XXXX. I am not sure why I have a debt of {$1100.00} or why this collections is open. I have not visited this dental agency since I was a child and had braces as a child. before my mother pasted I had my braces removed at the age of XXXX. I have not been to this dentist over several years now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Hello. Santander Consumer USA has placed an auto repossession on my credit reports which I disputed with the XXXX credit reporting agencies ( XXXX, XXXX, XXXX ), but they claim that they have verified this information with Santander. The credit reporting agencies gave me the name and address of the creditor that they supposedly used to verify this information and directed me to them. On XXXX XXXX, 2015, I mailed a dispute letter directly to Santander at the address given to me by the credit reporting agencies. I sent the letter via certified XXXX with a return receipt. The XXXX confirmed that the dispute letter was delivered on XXXX XXXX, 2015. To date, I have n't heard anything back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I purchased a car XXXX 2013. I had never purchased a car that had to be financed until I purchased this one. When I purchased the car I was not explained to completely about the terms, especially when it came down to APR. When I purchased the vehicle the amount I financed was XXXX. I have paid XXXX. My payments are {$580.00} a month. My account pay off as of today is XXXX. So in almost XXXX years my amount has only lowered by XXXX. I will never be able to pay off this amount when they are putting {$400.00} towards interest and only {$180.00} towards principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: Green Square Company LLC.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I have received several phone calls from a representative for XXXX XXXX XXXX or XXXX stating that I am going to be sued for an online payday loan that I received on XXXX/XXXX/2010 and stopped paying on in XXXX of 2010. I did not take out this loan nor did I receive the alleged funds. I am very concerned as the company had the last XXXX of my social as well as my bank account information. The company is threatening to send processors and take me to court. Please advise me of my next steps.

Company response to consumer: Closed
Consumer complaint received 2015-03-31
Company: LTD Financial Services, L.P.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Last month, approx XXXX/XXXX/XXXX, I received a call from LTD Financial Services regarding a car loan from XXXX XXXX XXXX XXXX, which I have not paid on since XXXX. However, they claimed that I made a payment on this account back in XXXX XXXX of {$10.00}, which is ridiculous. Why would I pay {$10.00} on a $ 6k loan? Not to mention, I was laid off in XXXX XXXX and did n't have any money to pay anyone. I thought this account had fallen off of my credit because it has not been on my credit report for many years. Now, they are sending me letters and calling me to pay a {$6400.00} debt. Someone falsely made a payment on this account, which started the collection and timeline again and I am not acknowledging a debt that is almost 10 yrs old.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Amex Every day Credit card sent replacement card XXXX/XXXX/XXXX for an Additional Card Member XXXX other than the my billing addres to XXXX FL XXXX XXXX post office.XX/XX/XXXX I do no know who charge card XXXX shoping {$630.00} USD and XXXX/XXXX/XXXX in XXXX XXXXFL {$75.00} USD. I am call Amex customer service more time about fraud my card, but from my last statements Amex not fixed this charge.I am so upset about that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-09
Company: ENCORE CAPITAL GROUP INC.
State: NH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid off Midland Credit Management on XXXX XXXX, 2010 for the amount of {$5700.00} based off an established agreement. ( Please see attached documents ). 
Midland Credit Management still has a debt on my credit report despite me paying off this debt and continues to call me to collect on a debt I paid off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-17
Company: AMERICAN EXPRESS COMPANY
State: RI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I am writing about my American Express Blue for business account. Amex cancelled both my cards and tripled my interest over a repeated billing problem even though I caught the problem when it happened and called in a payment immediately. My payment was never delinquent more than 4 or five days. They cancelled both my cards and raised my interest rate from 8.99 % to 29,74 % on the {$18000.00} I owe them. My membership with Amex since 1980 is proof enough that I am a good customer and that I pay my obligations on a timely basis. 
I 'm retired with a fixed income, did Amex just not want my business anymore because of that?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX - I performed a cash load of {$2500.00} at the XXXX store # XXXX my American Express Serve account. 
American Express shut down my account shortly thereafter and locked me out of online access so I could not log in to pay my bills with the cash that I 'd loaded. 
I 've called American Express Serve multiple times since then, the most recent being on XX/XX/XXXX and was told that my money was returned to the retailer each time. I 've spoken to XXXX on the XXXX audit team many times trying to track down where my cash was actually returned and they have no record of it ( as of XX/XX/XXXX ). At this point American Express will not transfer me to any superior officer or manager that can remedy this situation and is holding my {$2500.00} cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: New Era Asset Management, LLC
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:
I received a call from New Era Asset Management asking if I knew XXXX XXXX. I asked how they got my number as I am not XXXX XXXX but am related to a XXXX XXXX. I Asked why they were calling me and they asked me to pass on a message. I said no ( not so politely ) and they hung up. I called back and spoke to the same person XXXX XXXX XXXX XXXX that had just called ( this time politely ) and asked them never to call back, and he hung up on me. I am afraid they will continue to call me XXXX XXXX XXXX XXXX on my work phone to try and collect a debt that has nothing to do with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: Netspend Corporation
State: CA
Product: Prepaid card
Sub-product: Mobile wallet
Issue: Fraud or scam

Complaint:
XX/XX/2016, I notice a unauthorized foreign transaction was pending on my PayPal prepaid card, I immediately alerted PayPal prepaid and they did nothing about it. I researched the charge and learned that the charge has been reported by a lot of people as suspicious and fraud. Then PayPal prepaid took it upon themselves to cancel that card without my consent, without giving me a chance to pull the rest of the money I had in the account out, and they left me with no way at all to access the funds, they did this to me At the worst possible time which was XX/XX/XXXX, they left me broke and and I did n't get to celebrate or enjoy the holidays at all. They cause me so much hardship and had me waste so much time and energy everyday for the next 3 weeks calling them trying to access my funds. They would have me On hold for hours, reconnect me to another person several times and they would just hang up on me. They also caused my XXXX account to closed down because they would not approve the wire transfer I had scheduled, even though I had enough money for the transfer, causing me to go negative {$220.00}, and because of another transfer they did n't approve I was unable to pay off a loan from lendup and now I owe even more money. I first talked to them XX/XX/XXXX, they told me I would be updated about the situation XX/XX/XXXX, when XX/XX/XXXX came they told me I 'd have to wait till XX/XX/XXXX now. It 's starting to feel like they were the one that did the fraud charge, they have not been cooperative at all and they have n't helped me at all, Instead they caused me Even more stress and so much hardship ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: Southwest Credit Systems, L.P.
State: CA
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:
XXXX XXXX, 2015 I received a XXXX page document from Southwest Credit Systems, L.P. stating that a delinquent account they claim is allegedly mine in the amount of {$310.00} for an apparent XXXX XXXX XXXX cell phone bill. On XXXX XXXX, 2015 I spoke with a representative who went by the name of XXXX. I requested for XXXX to re-verify the account was in deed mine. He claimed that his firm had already validated the debt by using my address. I attempted to explain to him and disputed the debt was not mine. I also requested he cross reference my social security number, middle initial, any previous addresses and the phone number that is in question. He stated that his firm had already done so. He then suggested to transfer me to the customer care dept. Immediately after the transfer I was disconnected. I believe that at the date and time of this call that the account was disputed. After several days of not hearing back from anyone associated with Southwest Credit Systems , L.P . I sent a letter disputing the same and included any and all information required to verify this account. On XXXX XXXX, 2015 I called back to Southwest Credit Systems. I spoke to a supervisor by the name of XXXX. She confirmed to me that the firm had indeed received my letter, however the account was still confirmed as mine. I explained to XXXX this call was an attempt to resolve the matter before the 30 day period of notice ends on XXXX XXXX 2015. I explained that I would seek to remedy this matter with legal action. After attempting to request for her to verify the debt as legitimate. She claimed the debt had in fact been verified. I called back approx. ( 1 ) hour later and spoke to a XXXX in the customer care dept. After not being able to get anything resolved and talking over each other I asked to speak to a supervisor. After a brief hold XXXX returned to the call and stated, " they said to take your number and someone would call you back. I question that comment due to the fact that all incoming calls and phone numbers are identified. With no other course of action I ended the call. This company filed the collection account to all three major credit reporting agencies on or before the XXXX of XXXX. Without making any attempts to contact me to verify the account. They have stated on more than several occasions and from different representatives that the account had been verified as belonging to me. Southwest Credit Systems has also failed to submit to my request for information documented in the XXXX XXXX letter ( see attached ). In addition they have violated the FDCPA statue [ 15 USC 1692e ] section ( 2 ) ( a ) and ( b ). Southwest Credit System failed to do due diligence in investigating and confirming the account was in deed mine and only used my personal home address in their verification process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-10-14
Company: Constar Financial Services, LLC
State: CA
Product: Debt collection
Sub-product: Federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Debt is ineligible for collection. Debt never paid and is noted as going into default on XXXX. Statue of Limitations in CA has run as well as 7 limit on credit reporting.

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 2015-05-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed an account with Equifax about an collection account. 
The dispute was with XXXX XXXX XXXX regarding a comcast cable bill. 
I have made several attempts to get debt validation from XXXX XXXX XXXX regarding this debt. They have not sent me any debt validation. Over the phone I was told by their representative they do not have the information and they need to get it from the original creditor. That was over 2 months ago. 
Equifax had noted the debt came back verified. I do not believe they received accurate information for this collection debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR
Product: Credit card
Issue: Transaction issue

Complaint:
The merchant XXXX/ XXXX XXXX charge {$3400.00}, $ XXXX monthly and {$9500.00} to XXXX different credit cards of Bank of America ( accounts ending numbers XXXX and XXXX ) I presented disputes regarding all this charges because this merchant is a fraud and have not fulfill the contract stating verbal promises and emails that are n't true. I send different letters to Bank of America explaining with documents and emails that sustained my claim. Bank of America credited {$9500.00} and I closed the account. Nevertheless, Bank of America refused to credit the charge of {$3400.00} and this merchant is still charging $ XXXX monthly to an account that I cancelled. I want the full credit back because this company had breech the contract and is offering me a whole different one and Ive been a victim of a fraud. I do n't want Bank of America to process or let XXXX made future charges of {$150.00} to my cancelled credit card account which ends in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I am attempting to refinance my current mortgage that I have with XXXX XXXX Bank with XXXX Bank. XXXX pulled my credit history and in addition to my XXXX XXXX mortgage, another mortgage was listed with Bank of America ( BOA ). I have never had an account with BOA, and this is just an error on my credit report. 

I called BOA on XXXX/XXXX/16 to request that they remove this with the credit bureaus and send me documentation stating that this is NOT my account. I talked to a supervisor named XXXX who confirmed that it was indeed not my mortgage. He said he was unable to send me any documentation indicating that this mortgage was not mine because that would violate a " privacy issue. '' I am filing a complaint because Republic has advised that BOA should be able to send me some documentation - anything, stating that this mortgage # XXXX with BOA is not mine and it is an error that they are correcting with the Credit Bureau. I need this done promptly so that my refinance can be moved along with XXXX. 

I have sent a written dispute into BOA, but they have advised there is nothing they can provide me to prove that this is not my mortgage account. I think this is unacceptable and they should be able to provide something since this was an error on their part.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I made a mobile deposit of a check. I was later informed that the check had previously been deposited the day before to some other account, which was not mine and the deposit was reversed. This is impossible. So then I brought the paper check, which I had saved. I was told that since I had the paper check, this was considered a legal document and that I would be credited the amount in question, which was {$160.00}. Then the credit was again reversed, citing the same issue, which I believe is some bizarre bank error. At my bank 's request, I worked with the person who issued me the check and they shared account information showing that the funds had been debited from their account. My bank then asked me to ask the check issuer to contact his bank and request they write a letter to my bank to open an investigation. This of course did not happen, despite all request being made. Now my banking institution, Bank of America, refuses to open an investigation into my lost funds.

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 2016-08-22
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My co-signer, my grandmother made monthly payments for years after I graduated, but when I found out I could get in-school deferment, I took classes at the college where I XXXX to get them to leave her alone and get some relief from this overwhelming debt. I have been XXXX for 8 years with no permanent position in sight. As an XXXX, I am subject to my classes getting cancelled due to low enrollment, thus losing valuable income and receiving no pay whatsoever as opposed to a full time faculty member getting the same salary no matter if their classes get cancelled or not. There is no way I can afford to pay the regular payments, so I spoke to a gentleman claiming I could be approved for a program to lower my interest to 1 % for 15 months, and lower my payments to {$230.00}. Not that I can afford the amount but it was better than than the alternative $ XXXX- {$900.00} payment per month. After I paid the first month of the program, I got sent a denial letter. I think it is unfair practice to take the payment without prior approval to the program. Now I am in danger of default and short money I could have used towards other debts.

Company response to consumer: Closed with monetary relief