BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I have a savings account with Bank of America for several years now. It was the kind where you have to maintain a {$2500.00} dollars in it but, while away on vacation, my account went below that limit. 

In the past, I have had very good response from BoA and so I decided to call the company asking to, please, withdraw the fee as a courtesy since it was the first time in many years that this had happened. During the call I found out that, in fact, I was charged for two months EVEN THOUGH in my account web page ( which I have copied and attached ) I could only identify one month below the limit. At the end of that call, the representative said she could excuse one of the two {$12.00} maintenance fees imposed. 

For the whole year, this savings account has earned me XXXX cents in interests. By charging {$12.00} to keep the account, the bank is, in reality, going against the very definition of the word " savings ''. Furthermore, by not delineating clearly the balance levels in the account web page it is making it difficult for the account holders to defend themselves against the imposition of these maintenance fees. 

I have called the bank a second time but it has reaffirmed its decision not to withdraw ALL the maintenance fees and thus my plead to the CFPB to intervene on my behalf.

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 2022-05-03
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I received XXXX XXXX XX/XX/2021, CItibank closed my account and i was told that my loan will be returned to XXXX. XXXX has not received the loan till this moment and each time i call the bank i hear the same response. XXXX could not re-issue loan because Citibank did not return the loan back.

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 2021-07-06
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
The company has not adequately assessed the qualifying payments for the Public Service Loan Forgiveness program. 

The qualifying employment verifications has been submitted, per the company 's request, in the format required ( Ink signature from the employers ). 

The company continues to delay the assessment, and adjudication of payments affecting my ability to request new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: Comerica
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX I got a charge of a XXXX XXXX XXXX XXXX that was not authorized on my account usdirectexpress giving me the runaround saying they're not a bank and they can't really do anything I filled out the form they sense 180 days they haven't given me my provisional credit and they're lacking customer service skills I called 3 times just to be bounced around by different departments I filled out the form and I mailed it back to them still no provisional credit the bill was {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
On XX/XX/XXXX of 2020 I was notified that my US Bank Focus Card had a fraudulent charge and was deactivated. I was told a replacement card would arrive within 2 weeks. I waited until XX/XX/XXXX before calling the US Bank Focus Card hotline because I knew that the holidays would slow down the shipping. When I called I was notified my card hadn't even been sent but that a new one had been sent with expedited shipping and would arrive by XX/XX/XXXX. It is now XX/XX/XXXX and my card still hasn't arrived. I called the hotline again and was told the card hadn't even been mailed yet. It's now been a full month I haven't had any access to my funds and it is all due to the incompetence of this financial institution. I would very much appreciate it if something could be done to not only ensure I haven access to my funds but to also ensure those in charge of the US Bank Focus Card can't XXXX  over any other people.

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 2017-04-13
Company: Global Recovery Solutions
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
When 1st contact by them on XXXX called back and ask them not to call my cell phone number and used a XXXX number to call me and call again today XX/XX/2017 on my cell phone again.

Company response to consumer: Untimely response
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2019-12-28
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This collection company named Phoenix Financial services, there are pretending to collect a debt of the amount {$17.00}, in which it have been paid since XX/XX/2019 with check Num. XXXX {$17.00} to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 

Phoenix Financial Services has offered a discount to pay an amount of {$14.00}, in which I owe them nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midland Credit calls 2 or more times a day. I block the number but then they use another number this had go on for about a year. I dont remember doing business with them or having any outstanding debts, but they never leave any information as to the reason of calling, they just call and cal Just constantly calling everyday even on holidays.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-28
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Place me in collections for an original debt of {$180.00} but debt was a Payday loan of {$500.00} or less the {$180.00} is was is left of the original debt. I tried to make payment arrangements but the Collections Agent refused to do so and wanted the entire amount over the phone, right then and there with the promise to remove the debt from my credit report if I did so. What makes it so bad is that the debt was placed on all 3 of my credit on XX/XX/19, I called back the same day to see what the debt was about. It is my assumption that this violates the FDCPA by using fear tactics and intimidation to collect a debt. Also, it says that the account is still an OPEN account.

I " THINK '' I got this pay day loan about 6 or 7 years ago. I am not too sure if they are even the original creditor or not, that was never told o me over the phone. Secondly, I never got ANY notices in the via U.S. explaining about it to my current or past addresses. According to the Collections Agent, he said I paid most of the debt off and ONLY owed the remaining {$180.00} but {$180.00} is NOT the original debt as it states on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: The CMI Group, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX at approximately XXXX, Credit Management LC called me, identified themselves as a debt collector, and informed me a debt must be paid to avoid going on my credit report. Upon further questioning, it was admitted to me that they did not own the debt. I requested an address to provide written challenge of the debt and request proof, via certified mail and was informed that they operate out of a XXXX XXXX and could not receive certified mail. They admitted to placing a phone call to me via computer in which the representative could not control, and that I could not be removed from being contacted via computer nor could a call be scheduled by them on a payment date because they could not place outgoing calls. 

This company has made repeated phone calls to me that rang once and hung up or hung up when I answered, on the following dates/times in the last month. XX/XX/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened an XXXX XXXX credit card throughXX/XX/XXXX over a year ago and have been making payments regularly. The company was bought out and I was recently charged over {$1300.00} for nothing, it is listed as a promotional fee in the transaction history. I have not used this card in over a year and this charge is not listed in my agreement, it is straight up fraud. I attempted to contact XXXX and there was no response. XXXX in the past has made mistakes with my account and has adamantly refused to correct the issues, although I did not take action because the fees were negligible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: Byrider Franchising, LLC
State: WI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I financed a car for over XXXX dollars, I became XXXX when I only owed {$2400.00}. Car appectance now company XXXX CNAC XXXX informed me after they reposed the car, they then sold the car and I now owed the balance after the sale. Which at that time was stated {$1800.00} some odd dollars. They in turned reported to all three credit bureaus an incorrect amount due balance is still {$2400.00}.

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 2020-06-21
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
WHEN I OPENED MY CREDIT REPORT, I REALIZED THERE WAS FRAUDULENT ACCOUNTS OPENED IN MY NAME AS A RESULT OF IDENTITY THEFT. MY PERSONAL INFORMATION WAS USED TO GET PERSONAL LOAN. I HAVE NO IDEA WHO MAY HAVE USED MY PERSONAL INFORMATION TO OPEN FRAUDULENT ACCOUNTS REPORTING IN MY CREDIT REPORT THE ACCOUNTS LISTED IN THIS AFFIDAVIT WAS OPENED AS A RESULT OF IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Myself and several other Bank of America customers that bank with a XXXX XXXX XXXX XXXX in XXXX XXXX are having a very difficult time transferring funds between Bank of America and XXXX XXXX  ( XXXX # XXXX ). Anytime we try and put in the routing number of XXXX XXXX  we get the message that it is " not in our directory ''. XXXX XXXX  is an FDIC regulated, American financial institution and has been in business since XX/XX/2019. We have been trying since XXXX to get Bank of America to update their ABA directory to include the newest ABA numbers issued. Because they feel the need to not update this database, several mutual customers are inconvenienced and unable to transfer funds between the two banks.

All I want is someone from the correct department to handle this request and get the ABA added to their directory so mutual customers are able to transfer funds between banks.

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 2016-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Credit card
Issue: Billing disputes

Complaint:
I purchased a puppy. The contract was signed which is attached labeled " puppy warranty ''. No where in the document does it state a return policy. I had an issue with my senior dog being aggressive, contacted the company via XXXX and explained. They advised to bring the dog back. ( conversation attached ). they then only reimbursed me 50 % of the price. I left before an altercation started. I came home to file a credit card dispute. The dispute with Capital one was first filed in XX/XX/XXXX. XX/XX/XXXX I receive a letter stating they decline the dispute. The Merchant, altered the contract and added a return policy and submitted to capital one as evidence. I immediately called capital one again and escalated to a manager. After a 3 hour conversation, the manager finally compared the contract and agreed! She re-submitted the credit card dispute. That was XXXX XXXX. Now we come to XXXX XXXX and I again receive the same message. This time no additional evidence from the Merchant, but Capital one again looking at only their contract. I attempt to escalate to XXXX different managers asking them to look at the documents and compare them. All tell me I signed a return policy. I have been a perfect paying customer of theirs for years, now have no other option as I have proof of what I signed to wait to go to court. I do not owe {$890.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: EQUIFAX, INC.
State: TX
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:
A few days ago I noticed my credit scored took a dive by 65 points I wondered why as there had not been any activity on my credit use. Upon examining my Equfax report I noticed that there are duplicates that have been posted on my report. They are listed under XXXX XXXX and shows to be posted as of XX/XX/XXXX. XXXX for XXXX XXXX XXXX, that's strange because this bill has already been posted back in XX/XX/XXXX for {$980.00} There is also a posting from XXXX XXXX which was posted XX/XX/XXXX for XXXX XXXX XXXX for services rendered on XX/XX/XXXX in the same amount of {$980.00} Then there are three additional postings from XXXX XXXX for XXXX XXXX XXXX for services rendered XX/XX/XXXX in the amount of {$710.00} this one is listed two times and yet another one from XXXX XXXX for XXXX XXXX  listed on your platform with the others on XX/XX/XXXX for {$710.00}. 
I noticed you didn't catch either of these Equifax and because you lied about investigating the inquiry that appeared on my credit report as a result of some one steeling my ID my attorney and I will be preparing Affidavits in preparations for a law suit against you and we are also preparing A STATUTORY DECLARATION to present to several government agencies. I am fed up with you Equifax and your thoughtless stupor thinking that no one will notice your neglect. I have warned you in times past that I suffer with XXXX and am not supposed to be under this stress, so if you're trying to kill me, you failed. 
On one last not, XXXX  and XXXX XXXX of XXXX violated my HIPPA rights to privacy by sending out my medical records with out my consent, so we filed major complaints with the OCR who investigated and contacted them both with warning of this violation, so we, my attroneys and I suppose they have listed these things on your platform as retaliation which is also illegal, we are addressing this also. We are coming after you Equifax in a law suit as well as other charges against you and we are recomending that you you be fined XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars and there are going to be consequences for your lack of attention. 
I AM FED UP WITH YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
After months of arguing, I did file a BBB/ CFPB complaint against KEY Bank . Well last week I was sent a letter and a check telling me now that they closed the account that they refused to close prior to the complaints. Also in my account before the illegal debits was {$21.00}, they sent me a check for {$14.00}, thus taking more of my money that they are n't entitled to. how can they get away with this stealing? and as of yet not one phone call from the corporate office in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-28
Company: Strategic Alliances, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XX/XX/19. XXXX XXXX  with First Financial Asset Management 360 was very aggressive and verbally abusive in a phone call regarding the settlement of a debt. I was helping my brother as a third party payer for a debt he owed. XXXX was belittling and actually began yelling at me when I explained to her that I understand the debt collection business and understand the debtors rights. Lastly, XXXX threatened my brother XXXX XXXX, with suspending his license which I know isn't within her purview Additionally when I requested a recent for my credit card payment the firm refused to provide one, stating the it wasn't their policy to issue one. 

This firm is a bad actor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX, 2016 i went to XXXX XXXX VA XXXX XXXX for emergency situation and at that time i was getting my medical insurance, the nurse ask me for all my information and took me to do some medical test. I was in the hospital for under an hr and saw the doctor for less than 5 minutes and i was charged {$2500.00}. At the time i was only XXXX and taken advantage of. It was there responsibility to collect my medical insurance info. And afterwards i didn't get any notice of the debt and they didn't inform me my rights to dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: HONOR FINANCE, LLC
State: VA
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I contacted Honor Finance almost a year ago to ask them to stop contacting people on my behalf. It is as if they found a list of everyone I 've ever known and contact all of them constantly. They have contacted old boyfriends, old bosses, former TEACHERS, all of my siblings, close friends, extended family, people I have n't spoken to in years, and my personal favorite - someone I had a restraining order against. I contacted them in XXXX to tell them that the car caught on fire and was a total loss and that I intend to file bankruptcy and they continued to harass me daily until I changed my number and blocked their emails, so they make up for it by harassing everyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: NRA Group, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX calls REPEATEDLY : EVERYDAY, SEVERAL TIMES A DAY, ANYTIME OF DAY OR NIGHT and has been doing so for at least a year. I reported them before ; they stopped calling periodically. Since then, I HAVE BLOCKED THE number. With the initial call, I responded that I have no debt with their company, please remove my number, and that our number is on the Do Not Call Registry. All for nought! This has got to stop! This is a household of elderly persons -- if anyone really gives a XXXX -- with one who is XXXX XXXX!! This is s-o sad that taxpaying citizens must endure such horrific ( and unnecessary ) harassment!! Getting rid of landline phones is not an option for the majority of ELDERLY persons!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My Name is XXXX XXXX and I'd like to report that these are accounts in my credit that do not belong to me, I already made an id theft report to sopport my case, please help me to resolve this issue.

Company response to consumer: Closed with explanation