BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX, 8 years ago, Bank of America in XXXX XXXX, California, gave us the contents of a checking and savings and access to a EMPTY safe deposit for a deceased relative. 

Bank of America withheld the existence of another safe deposit box for 8 years and only notified us XX/XX/XXXX, after they drilled it open and provided us an inventory which showed cash, legal docs, XXXX insurance policies, and other valuables. The inventory was conducted by Bank XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. However, they failed to sign the Inventory, as required by law. All signatures were left blank. 

I believe XXXX XXXX and XXXX XXXX stole the contents and only sent this notice because they did not expect for me to be living at the same address as the box owner 8 years later. Throughout these years they 've never notified me of the existence of the box and I 've lived at the same house that we inherited from the deceased and that is on the deceased 's account. 

Upon receipt of the notice of the box, I provided them with all the documentation they requested. Upon confirmation that they had received all the documentation they needed to release the property we had an appointment to get the contents. 

When I arrived for our appointment they first lied and said they could n't find it, then they found it but refused to release it because a " mysterious '' person 's name had been added to the account. No one knows who this person is, not even the bank because there was no ssn, date of birth or any other identifying characteristics. The name was a common name that could be XXXX people. Based upon this unknown person, they refuse to give the us the property. 

Again, I suspect local bank employees or management, XXXX XXXX and XXXX XXXX have stolen the contents, placed some unknown fake name on the account and now the local branch is know covering up for them. They wo n't provide me with any procedures to recover the property and keep giving me the runaround. 

Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Credit card
Issue: Payoff process

Complaint:
We have automatic payments that come out of our XXXX to pay a Bank of America credit card monthly. We recently sold a home and decided to pay off the Bank of America credit card, not with our XXXX account, but with another account XXXX. We went online, changed the bank to XXXX and submitted the payment. This was on XXXX XXXX. The next day our XXXX account was debited for {$11000.00}. This left us {$11000.00} overdrawn since we only had {$300.00} in that account. We called Bank of America and explained the situation, they could not say why the funds were taken from the wrong account. They cancelled the payment and told us it would take from 2-9 business days for them to return the funds. Nothing was or is overdue, our account was up to date. We then called XXXX to explain the situation, they were willing to wait for Bank of America to return the funds. Luckily Bank of America returned the funds ( XXXX ) the next day on XXXX XXXX along with the {$40.00} fee for NSF. We thought the problem was taken care of. On XXXX XXXX they resubmitted the debit to XXXX for XXXX. Their reasoning was that their system is automated and automatically would try to retrieve a prior payment with NSF. However XXXX paid the charge the first time so it was n't as though the system would recognize it as not paid. Today is XXXX XXXX, there have been 3 phone calls and countless hours. They promise that they will return the funds to our XXXX account within 2-6 days. We had to call XXXX again and repeat the same process. They have sent us a complaint form which we will fill out this evening.

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 2016-06-23
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I consolidated my loans years ago to create a fixed rate loan. I was told by then XXXX ( now Navient ) that my rate would never change, signed paper work stating such, and in fact for the past 8 years it has been fixed at XXXX. Now I see that my interest rate has gone up to XXXX with no before hand explanation warning of the change. Navient is telling me that congress sets the rates ... but my loan is not a variable loan ... it is a fixed rate late that I was told could never change.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have a private loan now through navient that was previously with XXXX XXXX. My monthly payment to them alone is over {$700.00}. I 've called many times in the past for assistance especially to have my now deceased grandfather that was my co-signer removed from the loan. They wo n't remove him without an original copy of a death certificate which I 'm no longer able to obtain without significant cost to me. I 'm now 2 months behind on my payment and receive daily harassing phone calls from various states and numbers to disquise the calls. I called today for assistance as I 'm eligible for federal help and wanted to try to work with them to reduce my payments. We went through a financial profile that I had guesstimated amounts because it varies from month to month to which they told me I should have {$1000.00} a month left to pay them. So if something were to come up emergently that would leave me with less than {$300.00} to my name for a month. They would not work with me except to put me in forbearance which would cost me {$150.00} which is half of what I currently have to my name until I get paid in a week which would give me time to account for where that {$1000.00} is going. I am a single income household trying to live on my own in need of a new car sooner rather than later and all I received was a condescending tone from both the employee and her supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-16
Company: Broward Adjustment Services
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
About a year ago, in XX/XX/XXXX I had to go to XXXX hospital for XXXX, that day I made many XXXX and they asked me would I enter for more XXXX, I had health insurance with XXXX XXXX XXXX XXXX FL, but there was test insurance does not pay and for that reason the Hospital sent me to collection, affecting me the 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 2016-10-19
Company: Stellar Recovery, Inc.
State: TN
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 originally charged for internet service at a home that I sold ( and was vacant due to renovations after the sale ). The person that purchased my home informed me of the debt when they finished renovations and tried to connect internet service. I contacted them and explained, they agreed to research and pull records and call me back, they never called me back. XXXX continues to sell the debt to various collection agencies who resubmit for collection. I have provided details, including the HUD to prove the date of sale at the address, to XXXX twice and had the debt removed both times. Now they have put it on my XXXX credit report and I have submitted the information and pending the result. The amount is {$200.00}. I am tired of having to repeatedly provide documentation for something they have failed multiple times to prove is my debt. My credit score has been negatively affected in a major way, preventing me from refinancing my home until this is cleared up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: FIRST HORIZON BANK
State: TN
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I am submitting this complaint on behalf of my step father. His concern is in regards to the credit decision as well as problems paying this loan. He is unable to adequately read such documents that were presented to him and he did n't clearly understand all the terms or conditions that applied. But mostly, after reviewing this type of loan ( HELOC ) that was presented to him, I strongly feel that his level of education, limited income, age, as well as all the time and all the sacrifices he will have to make in the time allowed to satisfy the loan terms, maintain his home so that he may comfortably live out his days without leaving a burden upon his wife, kids, or grandchildren did not get taken into consideration. Either overlooked. Now that he is unable to pay such a variable rate loan, foreclosure is being presented. Which leads me to question the decision of this loan. Also Now that he is unable to pay such a variable rate loan, he is faced with the fear of foreclosure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-13
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of 2013, my wife underwent a procedure at XXXX. I was the primary subscriber for medical insurance with XXXX. 
XXXX then sent me a check in XXXX 2013 for {$350.00} stating that they are not contracted with XXXX, hence they were sending the check to me, so that I could pay them. I cashed the check and then paid XXXX for this amount. 

After 3 years, I received a debt collection notice from Caine and Weiner stating that I owe XXXX {$350.00}. I got on a call with XXXX representative and then we conference called Caine And Weiner. The collection agent there would not listen to me and kept accusing me of " unlawful enrichment ''. He said that XXXX directly made the payment to XXXX. I then sent a written response and asked Caine and Weiner stating that it was not my mistake if XXXX sent another payment to XXXX and that XXXX ( through Caine and Weiner ) should go after XXXX to recover the over payment. 
I am deeply concerned that Caine and Weiner will report this to the credit agencies without proper due process. I feel strongly that XXXX is resorting to strong arm tactic to cover for their mistake. 
Need your help. 
Thanks and regards

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call my cell number and my home number on the same day. They call both each day. They call and dont say who they are and ask for personal information. 

I have spoken to them and explained that this was an insurance error and that it would be paid in a week and asked them to stop calling for one week to see if it gets resolved. I also told them if it is not resolved in one week that I would pay it. 

I have asked them to stop calling and the above info XXXX separate times. 

They call from multiple unidentified numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: LTD Financial Services, L.P.
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
Good morning-My husband, XXXX XXXX XXXX, passed on XX/XX/XXXX. I was trying to get all the creditors he had cards with in his name notified. I contacted XXXX, and I assume they thought the card was originally issued to him. However, he was only an authorized user. XXXX recognized the program and reinstated my card, # XXXX. For some reason, this collection company, LTD Financial Services, XXXX XXXX XXXX, XXXX, TX XXXX, has contacted me XXXX claiming that I owe {$330.00}. I pay my XXXX credit card 's entire balance each month. My balance is XXXX as of XX/XX/XXXX. 
I work for the XXXX and can not afford to have collections on my credit report. I have contacted XXXX, the company, and now your office to stop these erroneous charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10
Company: Alliant Capital Management LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
A company by the supposed name of " Allegiant Capital Management '' has made several phone calls to my family members, job and friends claiming that they are " serving me papers for a debt ''. They have contacted me personally as well and have left several messages from different phone numbers stating " the purpose of this initial communication is to make you aware of an attempt to obtain your signature for required documentation in acknowledgement of protecting your consumer rights for your breech transaction. Failure to respond will result in direct violation under gross negligence. Please contact the compliance department at XXXX or press 1 to be connected. '' This number called from XXXX XXXX, WA and they also call from XXXX. They are very threatening, and they will not give any information on this supposed " debt '' and only want to receive information without giving any details.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Payoff process

Complaint:
In XXXX 2014 I contacted American Express because of health issues affecting my ability to pay my account in the manner I had through the previous thirteen years and I ask for concessions to allow me time to adjust my payment schedule so I could recover and AMX purportedly granted my request and allowed me to pay a reduced amount starting with my XXXX payment. In this program I was to pay {$270.00} per month for XXXX account and $ 1.1 % per cent per month of the unpaid balance on the other account with the {$270.00} put on automatic withdrawal from my checking account and the other was paid monthly by direct payment from my bank also. This went on for five months as I noticed the balances were not declining as it should and I called AMX and questioned why this was so. There reply was that there was also a 9.9 % charge added to the payments. I told them that an inactive account should not be charged interest. Then they instructed me that I had forfeited on my agreement with them and my credit would show a nonpayment disclosure to my credit report. I then tried to talk to someone in authority and could not connect with anyone. After repeated attempts I gave up trying and I hired a company called XXXX XXXX XXXX of XXXX, OK to negotiate and settle on my behalf they were unable to reach any kind of agreement with AMX and now I am in the process of my money being refunded and I need help with these accounts and to allow me to repay without a judgment being leaned against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I voluntarily closed my account that was in good standing with AMEX. I was unable to use most of the benefits of having a Hilton card because of COVID so I did not want to pay the annual fee renewal. I always paid the card in full every month and paid the final payment of {$210.00} on the date I closed my account. The payment processed my bank account on XX/XX/2021. I have my bank records to prove my assertion. Today, on XX/XX/2021 I received a bill that AMEX mailed to me ( please not that I have NEVER received an AMEX bill ; I have electronic billing ). The bill wrongfully asserts a " New balance '' of {$210.00} and includes a minimum payment due of {$40.00} and a payment due date of XX/XX/2021. I'm more concerned about other consumers falling prey to double billing or paying twice when the amount is not owed. Of course, I want this closed account to be credited in full and no balance indicated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: ENCORE CAPITAL GROUP INC.
State: OR
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This collector XXXX contacted my friend off of my XXXX! He was my old boss ... I Do not work anymore and i had his old info on my XXXX. He told me they called once before and said they were a debt collector .. They called him again and i was visiting. Ironic. So they stalked my XXXX and called my friend to contact me. Not only did they Embaress me, but she talked down to me, yelled at me and was down right demeaning! I have NEVER been talked to like that before. Like i was just scum. I didnt even get a chance to ask what the debt was for before she started yelling at me. I dont know what kind of business is aloud to treat people that way!! If she wanted money, that is most definitely not the way to go about it. To threaten, yell and intimidate and harass. Its awful!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have contacted TransWorld Systems, 5 times to date via certified mail, they are reporting an unknown account on my credit as it relates to XXXX- I have never had service with XXXX. 

My concern, is that I was never initially contacted about the debt before it was placed on my credit and I have not been contacted after reaching out to them 5 times!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been unsuccessful in trying to reach out to XXXX regarding incorrect balance of my existing VA mortgage loan with all three credit bureaus. 

I have been unsuccessful in reaching out to XXXX regarding not accurately reporting 'all ' payments that have been made regarding my existing VA mortgage loan to all three credit bureaus. 

I have been unsuccessful in reaching out to XXXX regarding the correct credit score updates that should have reflected all of my payments that were made on time to all three credit bureaus. 

The above needs to be urgently corrected and updated so it does not continue to feel as if I am renting my home. I should see a reflection of updated credit score points with each mortgage payment that I have paid since the time I had purchased my home. 

The above issues I am asking XXXX to address in an urgent manner and to be corrected.

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 2016-11-16
Company: TRANSWORLD SYSTEMS INC
State: IA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I received a letter from Transworld systems Inc. TSI ; XXXX XXXX XXXX , XXXX , PA. XXXX ; Phone XXXX. 
This is supposedly a debt collection agency trying to collect a {$22.00} debt owed to XXXX XXXX XXXX. I have no debt to this organization and when I XXXX XXXX., I got more than one company listed. When I XXXX Transworld, XXXX would not load their page because of an Unsecured website. 
When I called the phone number Transworld had in this letter ( XXXX ), I received a voice recording stating the person I at the extension I dialed ; XXXX is unavailable. Suspect this is a scam and will not make payment on something I can not identify or verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have a complaint about a purported denial by AMEX of a credit card application, which I did not submit and which was indisputably generated as a result of a computer glitch. Even though AMEX staff recognize that the denial was triggered by a technical glitch, they have refused to withdraw or amend the letter of denial on the ground that the letter was machine-generated. A letter of complaint which I addressed to AMEX on this matter has remain unanswered. A copy of the letter is herewith attached. Not satisfied with AMEX 's failure to respond to my letter of complaint, I have taken the advice of the AMEX staff and torn up all my AMEX cards. I take exception to the unsolicited letter of denial which I have received, the deliberate falsification of the record by AMEX and the potential adverse impact of a false letter of denial on my personal record.

Company response to consumer: Closed with explanation