BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
On XXXX/XXXX/16 I purchased a car from XXXX. It was a cash deal. With a purchase price of {$40000.00}, I gave them {$21000.00} in cash and wrote a check for {$19000.00} to complete the transaction. They ran my credit and had me fill out a credit application but stated it would not be processed unless for some reason my account had insufficient funds and the check did not clear. On that date I had over {$130000.00} in Bank of America. I drove the vehicle home. XXXX XXXX I got a letter from Bank of America stating that they had received a loan request through XXXX and that my loan had been disapproved due to information from XXXX even though my credit score was XXXX. I called the banks XXXX number and asked them how I could be turned down for a loan I had not asked for in the first place. They said XXXX submitted the loan application. So, I asked them even if XXXX submitted it, I had over {$130000.00} in Bank of America and they cashed my check. So, XXXX I did not need a loan and secondly if I had requested one - how could they deny me a loan of {$20000.00}. The person on the phone just gave me a generic answer stating that is the way they do things. I called XXXX again and after a few days the finance manager and I made contact. She stated that they did not submit the paperwork for processing, but only submitted it as back up in case my check did not clear ( which of course it did clear ) .I went into Bank of America in person and they could not help me. They said somebody would call me. About a week later I got a call from B of A in another State but when I returned the call they had closed at XXXX Central time. Just a few days ago I got another letter from Bank of America dated XXXX XXXX, 2016 again stating that my loan had been declined. Even as of today 's date, I still have over {$110000.00} in Bank of America. I happen to have almost double that amount in other banks and happen to own XXXX houses free and clear. I have XXXX loan on my existing house but I do not see how any of that is even relevant when I paid cash for the vehicle and of course had enough in Bank of America that given day to buy XXXX vehicles in cash. Both parties have denied any wrong doing in this but it is obvious that one if not two are clearly in the wrong here. My relationship with Bank of America after over 30 years has been damaged and I plan to withdraw my funds from that institution. I would like to ask for monetary damages and compensation for this quagmire. Bank of America claims that I am a preferred customer. I wonder how a non preferred customer is treated..Ironically, I have a {$20000.00} credit limit on my Bank of America credit card . That was the amount of the loan they turned me down for that I did not apply for ...

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 2016-02-18
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My Loan charged off in early XXXX, after i turned the vehicle into XXXX. They auctioned off the vehicle and sent me a final charge off amount of {$2600.00} in early XXXX. I received a payment settlement request in XXXX of XXXX for {$1500.00}. I subsequently received another payment request in XXXX XXXX for {$1800.00}. As of today, they are reporting that i owe {$7700.00} as the interest is still being charged on a loan they have been " charged off ''. They are legally suppose to send me monthly statements if they choose to keep adding interest to my account, as of today, i have not received XXXX statement in 3 years. They are doing everything possible to wreck my credit by inflating the amount owed to well over 300 % of what the original loan was to show my credit utilization is too high. They already have my car, now they want to ruin my credit. They are predatory an overly punitive with high interest after the charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My card was stolen in XXXX. I called Bank of America. I was promised a refund for funds taken out of my account fraudulently without my consent. My account is now overdrawn {$330.00} for charges that I never made and never consented to. I demand for Bank of America to do as they promised and refund the money and credit my account.

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 2015-07-02
Company: LD Holdings Group, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit decision / Underwriting

Complaint:
I refinanced my mortgage through Loan Depot in XXXX of 2015. I have used their mortgage servicing website to make payments etc. On XXXX XXXX 2015 I received an e-mail from Loan Depot Personal Loans that an account had been established using my e-mail address. I thought this was identity theft because I never applied for a personal loan. I tried to log into the account but was unable to even through password reset. I called the XXXX number and was told their IT department would look into it. A few hours later XXXX called me. XXXX told me that she did not think this was identity theft. I asked her why and she asked me if I knew XXXX XXXX. XXXX XXXX was the Mortgage Broker at Loan Depot that processed my refinance. XXXX told me that the account had been created by XXXX XXXX. I asked XXXX why XXXX XXXX would have created a personal loan account in my name and she told me I should speak with him. XXXX told me that on the Application that XXXX XXXX submitted at around XXXX that he had obtained my verbal consent over the telephone prior submitting the application with my information on it. I told XXXX XXXX did not request a personal loan and she closed the account. I got an e-mail that said the loan application had been terminated at my request and informed me that my credit score was a XXXX obtained by XXXX. I e-mailed XXXX XXXX about running my credit and opening a personal loan account without speaking to me but claiming to have my consent over the telephone. I am not sure what XXXX XXXX 's intentions were but his actions are unethical and illegal. I have copies of all of the email and the 3 minute voicemail message he left me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A company called Diversified Consultants keeps calling me. Not leaving a message. They are a collection agency of some sort. My phone # is XXXX. I already have a complaint filed case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: LD Holdings Group, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Was contacted by XXXX XXXX at Loan Depot to refinance our house with a lower interest rate for our VA home loan. We discussed the amount of consumer debt we had that was being handled by XXXX XXXX. XXXX XXXX said we could solve that. So we applied and everything went well and we discussed making sure that we had the right amounts as some of them have been paid off and/or in the process of being paid off through XXXX XXXX. No problem that will be done. After closing the closing company sent us the checks made out to all the creditors and not with XXXX XXXX as we had been told. No one even called from the loan dept even after I had mentioned about our discussion. Now I am in the 4th month trying to solve this issue with XXXX XXXX XXXX loan originator at Loan Depot. It appears to me she is putting me off with XXXX of money that need to pay some to XXXX law and the rest to us. How long should a consumer wait when you have been up front with people? I am current on this loan and all my debts. I would like this issue resolved. I told XXXX XXXX I was n't going through another month. I have even called her boss. I guess I need to call her bosses boss. Her bosses number is XXXX the subject on my email string is Documentation Request Case ID # XXXX. our loan number is or was Your loanDepot Loan Documents-XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: KEYCORP
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XX/XX/XXXX, I logged into my account around XXXX after making a couple purchases to transfer some money from my savings to my checking. My account showed a positive balance, so I scheduled the transfer for the next day. When I checked my account 5 days later, I discovered that an E-Check came thru on XX/XX/XXXX for more than I had in my account, this never showed up as pending when I logged in on XX/XX/XXXX. Then the bank processed XXXX Debit transactions on XX/XX/XXXX before it transferred my money from savings so it could charge me XXXX more overdraft fees. Then because it went 5 days ( including weekend ) with a negative balance they charged me another overdraft fee. - Now at this point on XX/XX/XXXX, had the bank not charged me any of the XXXX overdraft charges my account would still have a positive balance. The bank charged me a total of {$130.00} in overdraft fees. This is a rip-off. I just buried my father on XX/XX/XXXX, and from total exhaustion I then was sick in bed for 3 days. I do n't need this from my bank!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-01
Company: Optima Recovery Services LLC.
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Optima Recovery Services LLC showed up on my credit report and the original creditor is XXXX XXXX XXXX XXXX XXXX XXXX in 2011. The amount on my collections is {$380.00}. I have never seen this amount due or been contacted to my knowledge for owing such an amount. I looked it up on my credit report and it stated that it was opened in XXXX 2011. I had no clue what the charges were for nor have I been to a health clinic in XXXX XXXX, MO. I called the original creditator who stated I was not in their system and never had been even to send to collections. I called Optima Services and the lady on the phone stated the only way I could remove the amount off my credit report would be to pay the XXXX in full. I told her I did not owe that amount and she stated it was for a XXXX. I told her I had full insurance, and if I had that service ( which I did not believe I had then it would have been paid by my insurance ) She could not answer my questions as to where, when and so on. So I asked to speak to a manager named XXXX. He said if I provided a receipt that it was paid they would take it off my credit report. I asked him if the insurance covered part of the services because I had insurance that should have paid it in full. He then admitted my insurance was never billed. He tried to say because I never submitted it to them. I had no knowledge of such a bill and if I had my insurance would have paid it in full. I do not owe this debt and would like it removed from my credit report immediately. They can no provide me with any information on the account nor support that I did not provide them with my insurance information.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-10
Company: LD Holdings Group, LLC
State: RI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My city sent me a legal notice stating my taxes were delinquent and there would be a tax sale. When I contacted the city they stated my taxes had not been paid all year. I contacted the mortgage company and they started there research XX/XX/XXXX. I called back two weeks later they stated a resolution date of XX/XX/XXXX. I called XX/XX/XXXX they said to call back XX/XX/XXXX. Today is XX/XX/XXXX I called the city and they said they have still not received any payments and no one has been in contact with them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XX/XX/XXXX/XX/XX/2016 I was contacted by USAA treat unit who told me that my checking account had been compromised and they needed to add another level of security. I was alarmed and agreed. A few weeks later I was again contacted. This time they said that someone is trying to hack into my checking account ( this was around the XX/XX/2016. I responded please close my account. The person I was speaking with said she could n't do it but would transferring me to someone who could. After being transferred several types ( at least XXXX ) and without resolution I finally got someone who seemed to want to help She said she was also a veteran and would stay on until the issue was resolved. However, she too was passed along several type and finally she got to a person and demanded that this person close my account. Next she and the other person started arguing about who 's job it was to close accounts. This argument pursued as I was on the phone. finally the she said to me I 'll get this resolved for you and call you back. several weeks later after I had heard nothing from USAA. I received a statement that said that my account was overdrawn and I was responsible for XXXX dollars of overdraft fees. Again, I called USAA to inquire about what was going on and why was n't my account closed as I had requested weeks earlier. First I was told that there was nothing that could be done about this. ( with no explanation why ). I then escalated my concern to the CEO 's office where I was told that there was nothing that could be done but for me to pay the overdraft fees and then they would close the account. When I asked to speak to a manager. The person placed on hold and came back and said the manager " does n't want to speak with you ''. Frankly I was shocked. I 've been with USAA for over 20 years and never had a problem with their customer service. At this point I reached out to the corporate office where I spoke to a XXXX employee number XXXX. After I explained all that had occurred she said she would look into it and call me back. two weeks later after I heard nothing from she I received a letter from USAA basically saying that they are reporting me the credit companies. I called XXXX and left several voicemails and days later she returned my call and said that she had researched my complicated and there was NO documentation of my calls. And therefore I had to pay. Now like I said I 've been with USAA for years and they always document every call. I believe there is something funny going on with USAA since they initiated the concern in the first place. And now they even denie doing so. My major concern is them reporting me to the credit companies as I have a small business and a entry of this nature will serious hamper my ability to do business. PLEASE HELP!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
central financial put a blemish on my credit report and it is affecting my credit score. The medical bill was paid in full and they are saying it was paid for a lessor amount when it was n't

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
USAA Continues to violate payment allocation rules according to the Credit Card Act. " PAYMENT ALLOCATION Subject to certain exceptions, when a consumer makes a payment on his or her account, issuers are now required to allocate the amount of that payment that exceeds the minimum payment first to balances that are subject to highest interest rates and then to each successive balance bearing the next highest rate of interest. '' I have a promotional balance with a 0 % interest rate. My 1 Regular Purchase for {$450.00} and my 1 Cash Advance for {$500.00} both accrue interest at 16.15 % and 16.40 %. I 've been making several payments way above my minimum payment which has been {$0.00} on all my statements since XX/XX/2016. USAA has not been applying the payments to the highest balances with the highest interest rates first according the Credit Card Act rules or their own credit card agreement. 
From USAA 's Credit Card Agreement : " How we apply Payments. We may apply Minimum Payments and other credits other than payments in any order we deem appropriate. Amounts paid in excess of a Minimum Payment are applied to the balance with the highest APR. '' USAA has continued to adjust my payments to balances in order to continue subjecting me to paying interest on balances that should have long been paid off. I previously contacted USAA directly regarding my concerns and filed a previous complaint, yet nothing has changed. I was even told by a senior USAA executive that I would be getting the interest I 've paid reversed, that never happened either. Is there another federal agency I should be reporting this blatant violation too? At what point should I contact an attorney or file for legal action?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I was a victim of Identity theft in XXXX 2014. A credit card and debit card was opened under my name through USAA. I called USAA and had the account flagged. I gave USAA a passphrase in case I needed to unflag the account. They never wrote down the passphrase. 

In XXXX, I needed to unflag the account. When I called USAA, they said that they needed to authenticate me and it would take a couple of days. They said they would call my number in 48 hours. They never contacted me. Due to XXXX, I had to wait a couple of months to get back in contact to unflag my account. 

XX/XX/XXXX, I called USAA to unflag my account, and this time they asked to authenticate me by a phone number. The phone number on the account is incorrect, and I was told that in order to change it, that I needed to log in on USAA.com to change it. That would work, but my account is flagged, so this is impossible. I was told they would escalate my issue with a back department that would call me back in 24 hours. This never happened, and every time I called over the next XXXX weeks, I was told the same thing. 

I finally decided to go to the USAA XXXX page to see if I could get better support from them. A lady named XXXX called me saying that I should call her extension to get the problem resolved. However, when I called USAA again, I was told I had to be authenticated to be able to contact her.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-15
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
My name is XXXX XXXX XXXX, I 'm a XXXX Veteran. Jefferson Capital is in clear violation of the FCRA/FDCPA by reinserting an already reported debt, also a debt that is already involved in litigation, which I am sure they do not wish to be a part of. 

Please see the attached letter. No validation has been received. Furthermore, I do believe I am judgment proof as my status above would indicate. I am XXXX and unemployable for life. 

I have been advised by my attorney who I 've cc 'd on this complaint that I am entitled to {$1000.00} per violation under FDCPA/FCRA plus attorney fees. I do not wish to litigate, but if I have to I will. 

cc : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX, XXXX XXXX, CA 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 2017-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Auto being financed was repossessed without proper notification. When account settled, I was informed the repossession fee would be put at end of loan, instead it was charged the next month. Contacted them about it, they said it was just their policy and not to worry about it. I did that, but now they added a late fee due to not making full payment.

Company response to consumer: Closed with explanation