BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
The XXXX XXXX rental thats on my account were paid off.On the balance it show '' s balance {$0.00} not sure why its on my report??? you can call them anytime they will also tell you it was paid XXXX is the store phone number. that status says it was closed cause it was paid off all XXXX of them from same company

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Im constantly being thrown in forbearance not given the opportunity to do deferment my loans are too high im umemployed and i not given the correct Information. The customer service is horrible cant get no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I am so tired of Bank of America and their way they do banking - fed up beyond belief ... you can not imagine my frustration - I 'm done with you guys unless you refund those fees at once. This is the XXXX time in 6 months that I have to lodge a complaint. When I awoke yesterday morning ( Thursday ) my account had gone in the negative by {$8.00} or so. At approximately XXXX XXXX or so I transferred the difference from my business account to bring me to a XXXX balance ( well within the XXXX XXXX cut off time ). As I now work night shifts, I checked my account several times, including at XXXX where the balance was {$0.00} just where I left it. At XXXX XXXX my direct deposit went through and after a transaction I had {$830.00}. Did n't feel the need to check it again but did before I went to sleep ( which should 've been XXXX minutes ago ). What I saw caused my blood to boil and frustration is thru the roof - Bank of America charged me XXXX - in the total amount of {$70.00}!! I know the bank is doing things different because my roommate is going thru this exact same thing with his account ( which he too lodged a complaint ). I am taking this to social media next - this can not be the way to keep your customers - I have been XXXX for just under 10 years and am completely fed up!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Hello, I am filing a complaint against Bank of America. I signed up for a small business checking account on XXXX XXXX, 2015. I did this in branch at their XXXX XXXX, XXXX branch. The personal small business banker I dealt with was as follows : XXXX XXXX. His email address is as follows : XXXXXXXXXXXX. 
I also personally dealt with the banking manager, whose first name is XXXX. Neither seemed interested in helping me. They did not respond to emails, and just basically blew me off. 

I met all the requirements of the promotion, including a set amount of spend on a newly opened credit card, a certain amount of bill pays, etc. 

Here it is seven months later, and I feel that Bank of America is doing anything they can to avoid paying the bonus. I have contacted them by phone, email, online chat, and have even written letters. I have personally communicated with the XXXX employees listed above, who had set up the account. I do n't know if they are intentionally not following through on the requirements of the bonus, or did not fail to set it up properly on XXXX XXXX. But waiting 7 + months for a bonus to post that was supposed to post in 2 or 3 seems shady. I was told by a consumer advocate that the CFPB is the one to go to on this issue. I am hopeful that you will be able to get Bank of America to finally post my bonus of {$1000.00}. Thanks so much, XXXX XXXX. I will attach documents for you. Please contact me at ( XXXX ) XXXX or XXXXXXXXXXXX if you need any more information.

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 2015-09-08
Company: WELLS FARGO & COMPANY
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I initiated a short sale earlier this year. We received an offer back in XXXX and have been waiting for approval on the short sale ever since. The negotiator is now requesting a listing extension through XXXX. It has been months with no resolution. 
Wells is delaying the short sale to allow them to collect more fees. In additon, in XXXX, the property preservation company stole my stove from the property they secured. I called Wells and was promised follow up in a few days. It has been over a month with no follow up. 
I also sent an email to the XXXX XXXX XXXX XXXX on XXXX and never heard back. Today I called in and was given an email address of XXXXXXXXXXXX and advised he was Sales Advisor Consultant. I ca n't even get someone in management to speak with me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card
Issue: Other

Complaint:
I made my regular payment on XXXX/XXXX/2016 of {$50.00} and Bank of America went in again the next day without my permission and drafted another payment without my permission of another {$800.00} plus over draft charges of {$27.00} per day therefore to date this amount is {$160.00} plus another {$27.00} each business day until they reimburse my checking account at 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 monetary relief
Consumer complaint received 2017-03-06
Company: AMERICAN HONDA FINANCE CORP
State: AZ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I received a copy of my credit report and noticed the American Honda Finance was reporting a few late payments. I requested a copy of the payment history directly from the company and they indicated it was archived. They were able to see I had an account with them since they knew the information was archived. I received correspondence in the mail that they wanted more information such as Account number, Name on account, last XXXX numbers of my social and the XXXX digit Vehicle ID number. First they did have my name because I spoke with them, they did have my last XXXX of my SS because that is how they supposedly located the information to let me know it was archived and second the account number they would have also had to know it was archived. As for the VIN number that is completely asinine this has been year ago and no longer have possession of the car or any type of paperwork that would list the vin number. All I requested was the payment history that they should have listed since it is reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: Netspend Corporation
State: PA
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Managing, opening, or closing account

Complaint:
Brinks Prepaid MasterCard failed to replace a stolen card and refused a deposit under the XXXX act of 1999

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: Southwest Credit Systems, L.P.
State: CT
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 called the depth collecting agency and they said that it was n't active because it was n't me after all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: Adler Wallach & Associates, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX Rental Car refused to accept the payment as agreed, then sent me to collections. I have since settled the issue with XXXX Rental Car directly, yet the collections agency is still claiming I owe the money. 

On Thu, XXXX XXXX, 2016 at XXXX XXXX, XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : To : XXXXXXXXXXXX From : Customer Service Date : XXXX/XXXX/XXXX XXXX PM Subject : XXXX, Case # XXXX Hi XXXX XXXX ; Thank you for the letter regarding your XXXX XXXX, XXXX rental out of the XXXX XXXX Florida XXXX location, agreement # XXXX. 

I have reviewed the information provided and found I can still apply the coupons for you if you would mail the original coupons in to us. You may mail them to : XXXX Rent A Car Attn : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Once received I will be able to apply the coupons and take care of the outstanding balance left from your rental charges. I 'm sorry for any inconvenience you may have been caused. Thank you for choosing XXXX Rent A Car. 

Sincerely, XXXX XXXX Customer Service XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX : XXXX |F : XXXX XXXX, I will send you the coupons via certified mail the next time I am home. 


Sending me to collections has been more than an inconvenience, it is harassment that has cost me plenty of time and money. I hope that you are able to close this issue once and for all. 


Thank you, XXXX XXXX XXXX/XXXX/XXXX XXXX Case XXXX XXXX XXXX Dear XXXX XXXX, Thank you for contacting the XXXX E-mail Customer Service team regarding the requested coupon. 

We apologize for the inconvenience caused, please be assured when the coupons are received the adjustment will be completed as promised. 

If we can be of further assistance, please let us know. 


Kind Regards, XXXX XXXX Customer Service Representative XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX & gt ; XXXX XXXX ( XXXX minutes ago ) to XXXXCustomer. 
XXXX XXXX XXXX, Today I received a collections notice from AWA collections dated XXXX XXXX, XXXX with '' proof '' that I still owe this debt. I sent in the coupons as agreed ( via certified mail ) a full month ago, you agreed that I no longer owe this debt. 

I do not owe this debt, and by copy of this email chain XXXX Rental Car also agrees I do not owe this debt, yet a full month later I am still am receiving collections notices. 

This is harassment and it is very illegal. I would suggest you make this harassment stop very quickly. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-28
Company: STATE FARM BANK, FSB
State: WI
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
XXXX XXXX 2015 I saw that my State Farm credit card had expired XXXX 2015. I called to inquire where my updated card was and they informed me the card had been canceled. The customer service rep was n't able to tell me why, but said they would have someone call me the next business day. That call did happen and I was informed the card was closed XXXX 2015 due to inactivity. I had used the card XXXX 2015. I never received a letter stating that my card was going to be cancelled or had been cancelled. The woman I spoke with regarding why card was canceled told me they do n't mail letters-they just close out the card without informing the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: STATE FARM BANK, FSB
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
My car loan has a monthly payment of XXXX per my agreement. I have made my payment for XXXX 2015 of XXXX. The company has demand and additional XXXX immediately has threatened to negatively impact my credit. I pointed out that my agreement does not stipulate any balloon payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: Southwest Credit Systems, L.P.
State: WA
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:
XXXX offers me a settlement of XXXX to settle the account. When I called back it went up to XXXX and said that was never offered. Said the would review the call and call be back. They called after the settlement due date to say I owe the full ammount. Of XXXX They also like to auto dial my cell and hang out when I answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: Credit Card Receivables Fund Incorporated
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Unifund is agressively and insultingly attempting to collect on the debt on behalf of XXXX XXXX that I have paid off XX/XX/XXXX. I have contacted XXXX XXXX and was told that this account is not even in their system and they had no track or proof of this account being sold to collection company they have never heard of UNIFUND and are NOT associated with them. I was advised by XXXX XXXX to file a fraud report. Unifund claims this account to be an active collection, even though they confirmed that 1st date of default on this was in XX/XX/XXXX and it has now passed the 4 year rights to collect statute of limitations for the state of CA they are agressively, inappropriately and in a very harassing manor attempting to collect on this account for the amount of {$18000.00}. They have threatened to arrest, lien my property and to send " foot soldiers '' to my residence .... is this even a legal practice .... 
I seeked legal advise and have served them with cease and desist notice twice now. See attached proof of service, but they were both ignored and UNIFUND keep harassing and threatening for the collection of this account ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: IQOR US INC
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive approximately 5 or more phone calls a day every day from a debt collector. They call repeatedly everyday, even Sundays. Sometimes they will hang up and call right 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 non-monetary relief
Consumer complaint received 2016-02-15
Company: Constar Financial Services, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I am in receipt of correspondence stating that I owe {$120.00} due to XXXX placing my account with a collection agency. I have never had an XXXX account and have never made a sale or purchase on XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card
Issue: Transaction issue

Complaint:
On XXXX XXXX, 2015 I sent via snail mail the Capital One Transaction Support Center the following signed letter : " Dear Capital One, Thank you for your update notice dated XXXX XXXX, 2015 regarding my dispute with XXXX XXXX billed on XXXX/XXXX/2015 for {$71.00}. Per your letter, I write to provide you with documentation ( email sent by the merchant XXXX XXXX, 2015 ) that substantiates that my subscription ( ID : XXXX ) was canceled, the request was processed, and no further charges should have been posted by the merchant. 
This enclosed email from the merchant is the only documentation I received from the merchant ; therefore, I thought everything was resolved. Clearly, the merchant from the beginning should not have applied a charge to my account. I 'm grateful that you credited my account when I initially contacted you, and once again respectfully request that you re-credit my account for {$71.00} because I have provided per your request substantial documentation to the contrary. '' On XXXX XXXX, 2015 I received a response notice from Capital One Transaction Support Center re : case number XXXX stating " While we have received your response to this request, it lacks all of the previously requested information needed to validate your dispute. Unfortunately, based on the information we have, we are unable to assist with your claim because we can only request a credit from a merchant if we can document how the merchant violated an operating guideline. Unfortunately, based on the information we have, we 're unable to request a credit from the merchant. If you still want to dispute the charge, please contact the merchant and work directly with them. At this time, we consider your case closed. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-30
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I contacted Medical Data Systems on XX/XX/XXXX to check the status of a medical debt placed with their agency. My insurance was retroactively paying the claim due to a mistake in billing so I was attempting to check the status of the claim. The original creditor is XXXX XXXX XXXX and the account in question is XXXX. When I spoke to the representative she informed me of another debt from the same original creditor. I explained I have no knowledge of this account and have not received any correspondence so I would need to speak with the hospital and that was not why I was calling. The Medical Data Systems Representative asked for my address and I gave it to her. I verbally communicated in this call that I have not received any communication regarding this account from XXXX or Medical Data Systems. She stated '' we mailed a letter in XX/XX/XXXX : to XXXX. I explained to her I have not lived there since XX/XX/XXXX. She then asked me for my current address which was given to her. On XX/XX/XXXX I received an alert there was a change to my credit report. I opened it to find this account was reported to the Credit Bureaus on XX/XX/XXXX. Medical Data Systems failed to provide written correspondence within 5 days of initial communication, along with notifying me of my right to dispute and what to do if I feel this is inaccurate and my right to receive a bill or proof this belongs to me. Medical Data Systems also violated my rights by knowingly reporting an account to the Credit Reporting Bureaus when they were informed I was not aware of this and I needed more information. I explained I was not going to pay a bill when I have no knowledge of these charges. The representative also stated I was informed of this debt last XX/XX/XXXX when I called to pay another bill. I told her no that is not true. I explained in XX/XX/XXXX I called to pay a {$110.00} dollar bill and was informed of another account with a balance of {$510.00} and that account was the one I was calling to check the status of because my insurance had payed it. She said no we told you. I explained that was not the case. I asked when was this account placed for collection because my XXXX account shows a XXXX balance. She stated it was sent to them in XX/XX/XXXX. I had just caught her in another lie. She also misrepresented the insurance status on the other account. I will be submitting a separate complaint for the other account since the representative also lied about this account 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 2016-10-03
Company: WELLS FARGO & COMPANY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Wells Fargo checking account, currently residing outside the US The bank has rejected the same transaction 4 times in the same week for the lack of sufficient funds, and each time billed me XXXX $ overdraft fees! they did this with every transaction. 

How is it an overdraft fee if the transaction was rejected? I understand if they financed the transaction they have the right to take financing fees, but this transaction is rejected, and as a result it kept coming back, with each time them charging me XXXX , the bank has charged me a total of XXXX $ of fees for the same transaction. 

I called the bank and they refused to waive the fees, how is it an overdraft if the bank did not allow the " draft '' and did not pay, but rather rejected the transaction, and why did the bank charge me each time it rejected it!

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 2015-10-20
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Due to Experian 's lack of security and lack of preventative measures my personal data including my address and Social Security number were stolen by hackers. Now my identity is out in the open and the high credit score that I have worked so hard for these past 12 years is no longer safe or in my control. Experian has the audacity to offer me fraud " protection '' from a company which they are the parent of. What makes them think I will trust them with my social security number again? They must be brought to justice on a greater scale than just a class action law suit. They must be made an example of the way that XXXX was in the oil spill with XXXX dollars in fines. As consumers we confide in corporations by providing our personal information, it is their duty to protect that information. This has become a recurring theme where data breaches lead to slaps on the wrist. They continue happening because the punishment does not get the attention of those in power. The US financial system will suffer severely if this does not come to an end. The criminals who are stealing this information know this very well and this is their intent. Attacks on our country are n't always as evident as traditional warfare but are just as serious.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card
Issue: Cash advance fee

Complaint:
This is a follow-up of complaint XXXX. FIA Card Services has never sent me their definition of " cash equivalent '' or anything else. In addition, to harass me further, the last statement included a " minimum interest charge '' of {$1.00}. I owe them nothing and that charge was so absurd that their automated line took it off. FIA cheat and lies and is totally irresponsible. There should be some penalties or they should at least tell the truth. They record their calls so al this can be easily verified.

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