BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
On XXXX XXXX, 2016, I received an email from Bank of America suggesting that I update my income information for the purpose of receiving a credit line increase. The email explicitly assured me that BofA would not request a copy of my credit report. On XXXX XXXX, 2016, I updated my income information, requesting the credit line increase, and on XXXX XXXX, 2016, BofA requested a copy of my credit report. I called BofA on XXXX XXXX, 2016, and the representative was entirely unhelpful, suggesting the email was not from BofA, even though when I logged in to my account to update the information, a pop-up opened up with the exact same information that was in the email, again assuring that my credit would not be checked. The same pop up came up when I logged out, even though I had just done as it suggested. That totals THREE PROMISES by BofA that it would NOT pull my credit report, and then it pulled it anyway.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-24
Company: American Credit Acceptance, LLC
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
American Credit Acceptance and I had a car loan out, I then traded the vehicle in to XXXX XXXX XXXX in XXXX XXXX MD In XX/XX/XXXX. The dealership has since then made the final pay off amount to them and the continuously report that there is still a balance. the dealership sent the check via XXXX and gave me the tracking number of XXXX and the check has been signed for at their facility. I have disputed this for months and they continue to report. I have sent validation letters and made numerous phone calls. As of now they have my account in repo status and reporting as almost 130 days passed due. I have even faxed over trade in contracts from the dealership. I would like this removed form my account and the remarks to be cleared as well.

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 2016-03-16
Company: First Recovery Solutions, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This time it is a company called " First Recovery ''. 

I keep getting repeated calls. My wife and my work are also being called. I 'd like a cease and desist from these people, they have been hounding me for almost a year, and every time XXXX ends, a different company starts calling. I do not want or wish to be contacted by anyone unsolicited by telephone, especially when they are threatening court summons and wage garnishment without prior notice or explaining what they are talking about. Please help make this stop once and for all.

Company response to consumer: Untimely response
Consumer complaint received 2016-07-06
Company: Credit Solutions
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received A robo call at XXXX today from a company called credit solutions ( XXXX and this lady come on ask my name and ss # and says I owe {$450.00} from some pay day love and I had committed check fraud and I ask her what bank and when did this happen she said in XXXX at a bank I stop using in XXXX and I ask her how did that money get in that bank in XXXXshe said she did n't so ask her not to call this number until she had her facts correct, then at XXXX robo call my job and someone came on and stated the same line and again I ask the not to call my job until they had their facts right and the she said I would be serve at my job or home and I told her that I would report this as soon as I get off the phone.

Company response to consumer: Untimely response
Consumer complaint received 2016-10-12
Company: WELLS FARGO & COMPANY
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Wells Fargo Auto recovery has re-aged an account on my credit report, provided inaccurate information, and not provided proper methods for me to contact and dispute the accuracy. According the the FCRA and FDCPA reporting should be accurate and reported within the statue of limitations. I have provided a letter details the issues, copies of XXXX credit reports with incorrect information as well as a full payment history provided by one of the representatives of Wells Fargo.

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 2016-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I opened a chaecking account with bank of america. I had a loss of income and asked the bank to cancel my debit card out. They did not and they continued to allow a fraudlant charge to continue on my account resulting in fees. They closed my account bc of the XXXX in over drawn fees. They labeled my account as FRAUD. I have thus paid the matter. I am not able to open a checking account any where bc of teh FRAUD on my account. Can you help with me getting is removed?

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 2017-04-06
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Contract was cancelled due to the original creditor selling this debt to Jefferson Capital Systems , LLC. I have no contract or no legally binding documents with my signature agreeing to this debt with Jefferson Capital Systems , LLC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-12
Company: National Arbitration Forum
State: LA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I never received any written communication regarding this debt. XXXX XXXX called me on Friday, XX/XX/2016 and left me a voicemail on my cell phone stating he was a private investigator and threatened to pursue legal action without even speaking to me to let me know what it was in regards to. Left the same message at my parents home, my grandmother, and my boyfriends home. I called them back immediately and XXXX XXXX told me if I did n't take care of the debt by the XXXX of XXXX which was two days away that he would be at my home between XXXX and XXXX and were going to serve me with documents and take me to court. I advised him that I wanted to settle the debt and that I was unaware that I owed anything as the last payment should have come out of my checking account which was closed at XXXX XXXX XXXX XXXX when I got divorced. I tried to call back later that day to get a settlement offer and pay the debt, however they we 're closed. I received a phone call on Monday XXXX XXXX, 2016 and this time he did not leave a message. When I called back immediately, I pressed XXXX per the automated system and spoke with a Rep. Named XXXX XXXX. XXXX XXXX advised me that XXXX XXXX was handling my case but had left the office for the day for a meeting. I advised XXXX that I am unemployed at this time, but I had {$300.00} and that I was willing to pay {$300.00} today to pay the debt in full. He placed me on hold to obtain authorization for the settlement and came back on the line and told me it was approved and we proceeded to make the payment. He advised me that a receipt would be mailed showing Paid in full. At XXXX, I received a call from the debt collector and XXXX XXXX XXXX called to advise me that I did not speak to him when I called and that the offer that I received was invalid and that he would be refunding me my money and pursuing legal action. That XXXX, who works for the same collection agency and received approval for the settlement amount did n't have his permission to handle my account and that I needed to pay an additional {$260.00} to pay the account off. He said that I went behind his back and made an arrangement without his permission and continued to get very ugly with me and threaten me with legal action after the agreement was already in place and the money had already been drafted from my account. So basically because he wanted more money, he is trying to tell me that my payment will be returned and that the verbal agreement I made with XXXX XXXX who drafted the money from my account and told me it was paid in full after receiving authorization from his superior is invalid.

Company response to consumer: Untimely response
Consumer complaint received 2016-08-25
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
This complaint is in regards to First Merit Bank, which is currently merging with XXXX. 

I 've had an ongoing issue with the bank, which continues to charge excessive overdraft fees and rearranges the withdrawals on my account to incur larger penalties. I 've asked to opt out of the overdraft program, but I was told I could not opt out of the overdraft program when direct debates are made on the account. An example of the questionable tactics First Merit uses can be seen in the latest dispute I had with the bank concerning transactions that took place on XXXX/XXXX/2016. At the time I had {$35.00} in my account, and XXXX transactions occurred that day. The transactions were as follows, {$2.00}, {$4.00}, {$9.00}, and {$50.00}. Regardless of the transaction times, First Merit applied the highest charge first, which immediately overdrafted the account creating a {$35.00} fee. Then they subsequently charged me an additional {$35.00} overdraft fee for each additional transaction that occurred, for a total of {$140.00} in fees on {$67.00} in total transactions. 

While I admit the error that occurred in scheduling the {$50.00} deduction from my account that lead to the overdraft, the fact that First Merit stacks their transactions in a way that advantageously creates the scenario where they are more likely to incur higher fees from customers is troubling. In the last year, due to a serious of unfortunate events that have left me on a tight operating budget, my situation has been further escalated by First Merit who has taken hundreds of dollars out of my account through these practices. While at first they admitted the unfairness of their system and refunded {$70.00} in charges, any subsequent inquires on my behalf have been met with the notion that, 'because I know their system is unfair, any request for recompense on my part is negligible. ' Please look into these unfair practice, as no doubt they are fleecing more of their customers than just me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-06
Company: Vital Solutions, Inc.
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been contacted by this company numerous times over the last 3 months via mail and phone regarding a debt that is not mine. I have sent XXXX certified letters explaining the debt is not mine. I have also spoken to an agent and given all the required information to show that this is not my debt. I have not received a decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Navient Solutions, LLC.
State: CO
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:
XXXX and Navient have been the services on my student loans. They have misapplied payments across my accounts which caused several to default, never fully disclosed all the options available to me, guided my towards forebearance instead of other plans and have ruined my credit. I 've had loans since around XX/XX/XXXX and only heard about consolidation and/or other payment options in XX/XX/XXXX from one of the collection agencies that called me. It was n't until I initiated the consolidation and payment plan process that Navient ever worked with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: Concord Resolution Inc (Closed)
State: MD
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:
For approximately a week now I have been receiving phone calls from a company named Concord Resolutions on my residence and work phones. After Googling the number XXXX I saw that his company is trying to scam people alleging that they owe a payday loan ( which I do not ). These people leave and automated voice message with a call back number. When I called back the woman asked me to verify the last XXXX of my social security number which I declined to do. At that point she became irate and cited the Fair Debt Collection Practice Act prevented her to give me any information as to why she was calling. I told her that the only information that I would confirm is my name and nothing else. At which point she became irate and hung up on me. These calls are becoming annoying. I feel that I am being harassed.

Company response to consumer: Untimely response
Consumer complaint received 2016-03-29
Company: Choice Recovery, Inc.
State: MO
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My XXXX XXXX has not fulfilled their portion of responsibilities agreed upon in the contract. When my daughter 's XXXX was damaged, I notified them right away amd for four ( 4 ) months I continuously contacted them to see when her new XXXX would be delivered and when I could have it replaced. I do have documentation of any and all attempts of communication to recrify the situation as well as the lack thereof. They made absolutely no effort to order the XXXX in a timely fashion let alone maintain open communication regarding her replacement XXXX that has stil yet to be received. The only time this " business '' attempted to contact me was when I stopped payment on an XXXX and services I was no longer receiving due to their blatant neglect and avoidance.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: CASHCALL, INC.
State: VA
Product: Payday loan
Issue: Can't contact lender

Complaint:
I continue getting calls from different people claiming I still owe cash call {$2500.00}. I paid off that debt to a reputable law office. The scammers keep saying they have papers to serve me. Their number is XXXX, XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: SECURITY FINANCE CORP
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Company has been repetitively calling 3 and 3 times a day almost every day. They have called 22 times in the month of XX/XX/2020 it's starting to become unbearable and it feels like harassment.

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 2020-08-18
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I removed an excess payment on my XXXX XXXX XXXX XXXX of {$2800.00} via cash advance at my local Credit Union. Later I realized XXXX charged a fee of {$140.00} for me to remove the excess funds to get the balance to XXXX. I feel it is unfair to charge a customer to remove a credit balance.

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 2017-04-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Beginning on XX/XX/2014, the Chase bank located on XXXX, CA XXXX began making monthly, unauthorized, donations to the Police and sherriff 's review. The donations varied from as little as {$35.00} to as much as {$390.00}. I only wrote one check, for a one time donation, then the bank took it upon itself to make arbitrary donations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: JPMORGAN CHASE & CO.
State: KS
Product: Credit card
Issue: Other

Complaint:
I scheduled a payment for my Chase credit card on XX/XX/XXXX. The next payment was due in XX/XX/XXXX. Please refer to my attached statement and screen prints. On XX/XX/XXXX, I received a notification that the account was past due. So my wife called Chase. 
My wife spoke to a representative named XXXX around XXXX on XX/XX/XXXX. He stated that although the account bills on XX/XX/XXXX, the statement is not mailed until XX/XX/XXXX. Therefore, the payment was processed for the prior month. He waived the late fee and confirmed our 0 % interest rate was still good until XX/XX/XXXX. 
The main reason why I am filing the complaint is the date on the statement. Their system clearly shows the billing date as XX/XX/XXXX and the statement also reflects XX/XX/XXXX. The statement history also shows it comes out on the XX/XX/XXXX. Therefore, when a customer is scheduling a payment, he or she would assume the payment would be applied to current statement if the date paid coincides with the date on the bill and their online system. I should not have needed to make a second payment in the same month to prevent it from appearing like it was past due. Going with a statement mailing date, XX/XX/XXXX, rather than what is printed on the bill and listed on their online system seems like a pretty archaic way and incorrect way to process payments, specifically because customers rely on online data to schedule payments on accounts. I am sure lots of customers have received late fees for this reason and have needed to make two payments in a month to rectify the situation. 
I am attaching the statement and screen shots of the account for your records.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Several of the accounts in dispute is where I was an authorized user. The primary is deceased and yet it still shows on my credit reports. Also several accounts are not mine.

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 2016-09-21
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am writing to dispute the following information. An error was submitted by XXXX XXXX on my credit report. XXXX XXXX reported the sale of property as a Foreclosure which is was definitely not. It was a Agreed Settlement ( account paid in full for less than full balance ) to prevent/avoid foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: National Credit Systems,Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear CFPB, On XXXX XXXX, 2015 I contacted National Credit Systems XXXX Inc., and I spoke with representative XXXX XXXX about a debt they Reported to the creditors in the amount of {$1700.00}. I requested a debt settlement offer for {$1000.00}. In which I was denied. XXXX days latter, requested a settlement offer for {$1200.00}. And on the XXXX of XXXX, I was told my offer was denied and they were not accepting any offers, and that the account had to be paid in full by XXXX XXXX, 2015, and if not paid in full by that date the amount owed will increase and the new amount would be reported to the credit bureaus. So, to avoid any more negatives to my creditors I paid the amount in full on XXXX XXXX, 2015. To my astonishment, on XXXX XXXX, I received a letter from XXXX XXXX, stating that they are offering a XXXX percent settlement in the amount of {$880.00}, I was shocked! And hurt to know that they would go to such extreme to be deceptive just to obtain the full amount. However, I would like for the company to honor the 50 percent settlement offer, and return {$880.00} in certified check.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: Linebarger Goggan Blair & Sampson LLP
State: FL
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:
I received a letter stating I owed XXXX $ on XXXX/XXXX/17. I now received a letter again stating I owe XXXX on XXXX/XXXX/17. I called the company and they stated they charged an " Admin '' fee and a " Collection Fee '' to my account. According to the FDCPA, " they ca n't charge more than the amount described in the original contract or what is permitted by law. ". This being said, the original amount is XXXX XXXX unless there are charges that were added to that as well. They are asking for money not associated with the debt, which is inflating the amount due. I am more than happy to pay my debt, but I will only pay the right amount due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XXXX XXXX  XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX  ( XXXX ), XXXX  XXXX ( XXXX ), XXXX XXXX  XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( 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 non-monetary relief
Consumer complaint received 2016-03-18
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I paid the full balance of XXXX fraudulent credit card accounts that do not belong to me, so I can have the credit card accounts deleted from my Equifax credit report. I paid {$2800.00} to XXXX XXXX XXXX and XXXX XXXX {$1200.00}. Please review the attached bank statement for proof of payment.

Company response to consumer: Closed with explanation