BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-04
Company: Southwest Credit Systems, L.P.
State: NJ
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:
I receive a phone call from XXXX saying they are XXXX Credit, that there is a XXXX account in my name, not at my address, that has a bill for {$500.00}. They leave no voicemail, and are never able to answer when you call back. This has been going on for months. I have had my credit checked and fraud alerts on and nothing matches what they are saying is the issue. I need this to stop.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: Netspend Corporation
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
On XXXX/XXXX/2015 I was notified by Net Spend Prepaid ( issued by XXXX ) that my card had been compromised. I emailed a list of all fraudulent transactions. The fraudulent pending transactions have been posted to my account after Net Spend knew these transactions were unauthorized. I has been two weeks since I filed the claim and today XXXX/XXXX/15 Net Spend allowed XXXX of the fraudulent transactions to be posted to my account and I have yet to receive any credit for these unauthorized transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I received a call from Southwest Credit Systems about a XXXX debt in the amount of {$1800.00} that some XXXX opened in my name in XXXX, PA. and said that I owe.I told them I never lived at that address in PA. and I did not give any XXXX my permission to use my SSN to open an account.They mailed me a id theft form which took two weeks to receive.I filled the form out and sent the information requested and I mailed it back to them Priority Mail with signature required.I received a letter today from the debt collector wanting me to send more information.They have all the information that I have.

Company response to consumer: Closed
Consumer complaint received 2016-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I did a refinance on my home and included my Bank of America credit card to be paid off in the refinance. I gave the mortgage company a copy of my current statement to be able to pay the account in full. They did pay the amount that was listed on the statement as New Balance Total by the due date. Now Bank of America is charging me additional interest from the monthly closing date till the date the account was paid supposedly in full. How can they charge interest above what they have referred to as New Balance Total when it is paid before due date. I have never had another company charge interest if the account was paid in full before the due date. It makes me wonder how much money the are making off people who have not noticed this and just paid them. One more way to stick it to the consumer. Could you please look into this and get back with me. Thank you.

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 monetary relief
Consumer complaint received 2015-08-25
Company: Navient Solutions, LLC.
State: IL
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 pay {$400.00} a month on a {$60000.00} loan. Of that {$400.00}, {$50.00} goes towards the principal and {$350.00} goes towards interest. I have asked to change the amount applied to the principal, the response being the only way to change is to pay more money a month. Which I ca n't pay, because my student loans are {$800.00} a month and I make {$XXXX} a year, I have a XXXX. I have asked to lower my payments because I ca n't pay them without causing financial hardship ; they have refused, except to offer to continuously extend the life of the loan so they reap more money on interest. My credit has been negatively affected because I could only pay {$100.00} towards my {$400.00} loan payment when just out of XXXX and making $ XXXX hour in XXXX . They would n't accept the {$100.00} and preferred to send me to the creditors. 

How they distribute paying off my loans is also morally and economically disputable. The loans that accrue the less money are paid off first. Most of the money from the monthly payments is paid to the smaller loans with the lowest interest rate ( {$2000.00} with 4.25 % ) and {$50.00} is attributed to the the {$13000.00} loans at a 3.25 % interest rate. This has happened to XXXX loans ranging from {$10000.00} to {$13000.00}. Loan consolidation is not an option, so my current payments go towards the balance on XXXX independent loans. Due to the fact they would not accept a lesser payment and my credit score was significantly negatively impacted, I do not qualify for another private loan to purchase these private loans and consolidate. Therefore, I am left powerless to rectify a negatively life impacting situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citi Bank offered a {$400.00} bonus if I deposited {$15000.00} for XXXX month and then kept this there for additional XXXX months. I sent the money on XX/XX/XXXX and kept this for the required XXXX months. Citi Bank states I met my requirements and has still not paid me as of today and should receive the bonus on XX/XX/XXXX. 
Today ( XX/XX/XXXX ), I still have no bonus.

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 2017-02-07
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I had XXXX XXXX loans. I paid both loans - all the coupons that I had for these XXXX loans - paid in full in XX/XX/XXXX. 

last year, XX/XX/XXXX, Navient told me that I had unpaid balances. When I asked how that could be, they said their were not notes entered into the XXXX loans that said these were paid in full ... therefore they charge 3.5 interest rate and I am paying XXXX per month for XXXX balances, XXXX for XXXX and XXXX balance XXXX to date I have made 11 payments of XXXX {$1100.00}. 
I get at least one call every week, they leave a message and say call us, we can help you with your loans ... I get a letter once or twice each month saying I am late with a past due balance fo XXXX ... ... I have XXXX coupon here due the XXXX of XX/XX/XXXX ... as they created coupons for me to pay each month ... as of XX/XX/XXXX - they said I have a principal balance that is XXXX ... .this amount not paid off until XXXX. 

please call me ... .I received no notifications from XXXX saying that my loans were not paid off in XX/XX/XXXX - but last year XX/XX/XXXX, Navient sends me bills for unpaid balances. 

XXXX XXXX XXXX, Co XXXX XXXX - cell

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: The CBE Group, Inc.
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Was a XXXX wireless customer for 10 plus years and worked for a company that received a discount. XXXX renewed my contract with the purchase of XXXX smart phones of which one was returned. I retired from the company a few months later to which XXXX took away the discount. I told them that they voided my contract so I was under no obligation to fulfill theirs. I paid them the amount I owed them for there service but refused to pay for a early disconnect fee. XXXX has sold my account to CBE which is now calling me on my home phone XXXX a day and is now calling me on my cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: RentDebt Automated Collections, LLC
State: TX
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:
After checking my Credit report i reached out to RentDebt and ask for an invoice to verify debt and balances owed I was provided the information over the phone I stated the charges were inaccurate the rep told me the invoice will be emailed to me in 24 hours. I did not received the email so I called back I then told in order to receive the documents by email I will have to verbally say on a recorded line I am not disputing the collection, which I refused to do! I feel this is unfair Practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27
Company: Omega RMS, LLC
State: NY
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 don t even recognize who the original creditor is and no account numbers available to contact and dispute the issue. Yet report says Individual and Joint account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
Dear Sir/Madam, I am writing to express my concerns about a behavior of Scottrade Bank and their affiliates which may have adversely exposed my personal information and lead to identity theft and fraud. 

Specifically, in going through my records in order to better understand how I could resolve ongoing identity theft, I discovered that when applying for a bank account at XXXX Bank, Scottrade Bank improperly handled a number of documents which had very personal information on them. The actions of Scottrade Bank not only broke from the current standards of data security but also broke Scottrade Bank 's internal policies regarding handling customer information. 

Specifically, on or around XXXX XXXX, 2013 ( XXXX XXXX ), XXXX XXXX, a regional manager from Scottrade Bank offered to receive Scottrade Bank account application documents via email. Email is a notoriously insecure medium of communication yet XXXX XXXX allowed and offered to receive the documents via email, despite the fact that it was against Scottrade Bank 's internal policies and does not have any of the normal safeguards in place to handle personal customer information. The XXXX XXXX, 2013 email contained PDF attachments that included my full name, signature, address, bank account numbers, Social Security Number, and other very personal and sensitive information. 

As is clear by Scottrade 's online disclosures and policies, Scottrade Bank states that it will never transmit customer information over email and or ask for or receive personal information via email, however, XXXX XXXX, a manager at Scottrade encouraged me to send the information by email to expedite the process, with no disclose of the security concerns. 

I am writing today to ask Scottrade to explain, in a public forum, why they let my personal information be transmitted in a way that puts me at significant risk to identity theft. I would also like to know what the current status of the email and personal information is, has it been deleted, has it been accessed, are emails records secure, who could have gained access, was the email accessed via HTTP or HTTPS, was it confirmed a secure connection? 

The actions of XXXX XXXX, put me at my personal information at risk and could have likely been the direct cause for hackings that happened weeks latter and accounted for over XXXX of fraud.

Company response to consumer: Closed
Consumer complaint received 2015-09-02
Company: Radius Global Solutions LLC
State: TX
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 do n't know who these people even are i 've never had a credit anything company

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: Risecredit, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
The loan was originally taken out with payments scheduled on alternating Fridays. My pay dates and then employers ( and consequently paydates ) changed and I fell behind. They told me they could not change the dates. I receive several calls a day from them. On XXXX I made a payment in the amount of {$500.00}, which did not bring my account current. I told them I would not be able to make additional payments until XXXX but understood that I would receive calls daily as I was still past due. On XXXX I spoke with a representative and let them know that I could not make the payment until XXXX, but took the call, and again indicated that I knew they could and would call daily. I also explained that I had already received XXXX calls that day where there was no one on the other end of the phone when I answered. Today, XXXX/XXXX/15, I received a call this morning and asked the individual to reference the notes, he said he would, verified my information and we ended the call. Since then, I have received XXXX call where there was no one on the other end. Then, I received another call with a female representative asking me if I was going to make the payment with a debit card. I let her know that I felt the call was abusive and that I was going to report it. I was respectful, but expressed my dismay at the aggressiveness of the call. She still asked me if I wanted to set up a payment, and I explained I will need to see what my paycheck is on the XXXX. I understand that I owe them money and am doing everything I can to pay them back. My XXXX each ring of the phone and this is raising my XXXX level XXXX. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
on XXXX/XXXX/2015 Bank of America processed a Debit for Charged Off Credit card Account. without any prior notice given to me. I am the owner of this account. when I asked the bank for an explanation they say that my son was a co-owner on the account therefore they can take the funds without notice. he is the person we owes the money. I informed them that I need this money for my mortgage, and that I am the owner of the funds, not my son, but the bank will not refund my money. I do n't know what to do its a credit card that my son was trying to negotiate payments on. PLEASE HELP!! thank you XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: S&S Physician Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX XXXX, 2015 I sent Harvest Associates Inc., a request for a verification and validation of this debt pursuant to the FDCPA, 15 U.S.C. 1692. Next, I received a response letter from Harvest Associates Inc. stating who the original creditor and the current balance of this debt. However, Harvest 's letter failed to verify or validate any legitimate debt. Thus, Harvest 's letter failed to provide any clear documentation or admissible evidence of the allege debt they report to claim. According, Harvest Associates has not provided any evidence that they have extended funds to the consumer.

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: BB&T CORPORATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
This is aimed towards the BB & T Branch at XXXX XXXX XXXX XXXX Phone number XXXX. On XX/XX/2017 there were several fraudulent checks deposited into my bank account ( that did n't even have my correct signature on them ) in the amounts of {$8800.00}, {$360.00}, {$200.00}, and {$250.00} I immediately went to my bank the next day they were opened ( Monday ) and attempted to file a claim. I was told that i could n't file a claim until the checks posted in my account ... .I said okay and immediately after i left the bank i went to file a police report so they could get the video footage at the ATM that the deposits were made. After a few days without hearing anything at all I went into the branch to see if i could file the claim now. I filed the claim ( on all of the deposits except the {$8800.00} amount since it did n't post in my account yet ) and waited to get results on how long i was going to be able to recieve the original funds in my account before the fraud checks were deposited, which is {$630.00} as of XX/XX/2017 ( and i also have photo proof of that amount ). I also called the Centralized Fraud Claims team multiple times while waiting on a time frame, just to be sent to another department and had to wait another 20 minutes to get somebody on the line. It was very frustrating. Bb & t finally got photo proof of the individual who made the deposits ( and OF COURSE it was not me ) but they still feel that my claim should be denied and on top of that the manager told me i would have to cover the negative balance of - {$640.00} in my account! So i am not only falling behind on bills and basically throwing away {$630.00} but i also have to pay the negative balance on top of that???!!! This is very very unfair and i wish to dispute this today to get my funds back! I have bills that i already have late fees on since my account was closed for over 10 days until they even made the decision to deny my claim.

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 2016-07-22
Company: BB&T CORPORATION
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
Issue : On XXXX XXXX, 2016 I went to BB & T ATM at XXXX XXXX XXXX XXXX, XXXX Texas XXXX to make a withdrawal of {$300.00} using my BB & T Ready Access Card. The money did not dispense ( the money came out but went back in ). I contacted Manager in person, but was told to call the number on the back of my card. Called the number on the back of my card, they stated they would send me out a form. I received the form, filled it out and returned it. I have not heard from XXXX concerning this matter. So, on XXXX XXXX, 2016 I called XXXX. Spoke to Rep XXXX. I told her that my daughter is on the line and will speak for me. She stated I can not speak with her due to HIPPA, if she continue to talk I will hange up. My daughter asked to speak to a Supervisor and the Rep hung up on us. We attempted to call back, but the hold was extremely long. 
1. No real resolution dept 2. Poor Customer Service Skills 3. Fraudlant Company 4. Long Holds before a Rep answers

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 2017-10-11
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
please find attached the letter from the creditor for which they have approved of this account being inaccurate reporting. please help me to have XXXX and XXXX to remove this inaccuracy from the credit reports

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 2022-10-01
Company: Experian Information Solutions 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:
These Inquiries do not belong to me. 

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 2016-09-20
Company: McCarthy, Burgess & Wolff, Inc.
State: NY
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:
My client, XXXX XXXX, was a low level employee of the XXXX XXXX for XXXX XXXX in the New Hampshire officeXXXX XXXX was instructed by the XXXX to create an internet account with XXXX XXXX for the exclusive use of the XXXX. Thereafter, he called XXXX XXXX, used the XXXX 's credit card for payment of all fees, including future charges, and provided his name and phone number as XXXX required a contact person. 
Shortly thereafter, XXXX left the XXXX New Hampshire campaign. Over the past several weeks, XXXX has been hounded by an abusive debt collector even though she was apprised of the above facts. XXXX then contacted my office to represent him in this matter. On XXXX XXXX, 2016, a representative from McCarthy. Burgess and Wolfe contacted me, at first refusing to identify themselves. When I informed the McCarthy, Burgess and Wolfe ( hereinafter, MB & W ) representative to either identify herself or I would end the call she stated that the call would be recorded and that she was calling in response to a claim against XXXX XXXX. I informed the MB & W representative of the facts set forth above, told her my Client had no fiduciary responsibility for the Campaign and was no longer employed by XXXX and that she was to discontinue efforts to collect through my Client. She continued to press for information and I informed her that the debt was not my Client 's, he was not responsible and that she was to discontinue all efforts to collect through my Client. Lastly, I told her that should they initiate any proceeding against my Client, we would countersue. Thereafter, I ended the call. 
Previously, I informed MB & W of the above facts and informed them that XXXX XXXX would not be responsible for the debt as it was not his, and they were to discontinue all collection efforts through XXXX. I also told MB & W that if they had facts to counter my claims, they were to send those fact directly to me and discontinue all communications with my Client.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation