BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-07
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Yes i have a checking s account at regions bank. I am opt into the program that allows the bank to pay your checks if you exceed a few dollars. Regions have been charging me overdraft fees and funds that XXXX for the checks clearing. They are crooks. if Im opt into the program why are they charging XXXX charges of XXXX for each merchant. if I go to my account and look at a XXXX charge it cleared the next two days they rearranged the draft and let other checks clear to make me have to pay more XXXX chrges. example :. wrote a check for XXXX on XXXX/XXXX/2015. several small merchants checks has cleared my account on XXXX, then later, I check my account the date of XXXX/XXXX/2015 has changed to a later date and the XXXX check cleared on XXXX/XXXX/2015 and the several small amounts where considered as overdraft and non-sufficient funds-with a date of XXXX/XXXX/2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-14
Company: EOS Holdings, Inc.
State: CO
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:
The last two years I 've repeatedly asked EOS CCA to stop calling me about a debt regarding XXXX XXXX XXXX Im XXXX XXXX XXXX. EOS CCA has repeatedly told me that they will take my number off their list but this is not the case they have called me at midnight one two and three and four in the morning and repeatedly and one day. This company has called me so much that I 've had to block every phone number that calls my phone except for persona emergency contact numbers. This company has you threatening tactics they told me they would have me arrested again I told them I am not XXXX XXXX.They have also said that they would charge my cell phone bill in oder to collect the money XXXX XXXX owes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26
Company: AFNI INC.
State: TX
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:
There was a special at XXXX indicating free transfer of old phone service to XXXX. My husband returned the XXXX XXXX phones the next day due to being mislead of paying off my old account ( different vendor ) upfront. We had no service and XXXX would not change our plan to theirs until we paid XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: EQUIFAX, INC.
State: SC
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:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from reaching my dream personal credit standing. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Bank of America dispute department unable to investigate the claim in a professional manner. 
Re : XXXX XXXX entry of XX/XX/21 for {$110.00} on A/C ending on XXXX On XX/XX/21 I disputed the above charge that I never called them to place this order. XXXX arbitrarily debit my account for {$110.00} since they have the account on file from a purchase of {$39.00} that, I made couple years ago at XXXX XXXX. I closed the credit card to avoid any further entries and because BOA does not care to investigate properly. BOA claimed that XXXX sent the merchandise to XXXX XXXX XXXX XXXX XXXX FL XXXX address that the have on file from the last transaction that I did at XXXX XXXX. 

For various occasions I requested proof of my signature that I received the item. BOA unable to comply with that request. BOA kept sending me unprofessional, unsigned and pre-printing letters every time I make an inquiry. 
The dispute with BOA have bee a nightmare. BOA debit my account 3 times leaving a balance of {$110.00} as their merchant XXXX claimed that I received the merchandise. They debit on XXXX and XX/XX/21 plus they are charging me {$24.00} on top of it each month. Your attention is appreciate as there is no professional communication with Dispute Dept. I written twice to CEO Complaint Dept in XXXX NC to no avail. 
Please help me to reach out to BOA as they keep ignoring my request and they keeping charging my account. They lost a faithful and decent customer I been with them for several years, I pay me account in full every month with no issues. They don't care, they rather collaborate with XXXX. XXXX can be digging into people old file and passing a entry to satisfy their number. Nevertheless BOA can not investigate their bad conduct. I am a victim of a fraud from XXXX and BOA supporting a wrong doing. Thank you very much. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX phone # XXXX I am ready to mail correspondents if is needed.

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: U.S. BANCORP
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposited a money order on XX/XX/XXXX at ATM at a branch. Was not given {$220.00} available funds immediately as US Bank account rules state. All funds appeared to be put on hold. 

NO COMMUNICATION ever from US Bank -- there must be some rules about bank holding funds and at least communicating about it. I went to branch on XX/XX/XXXX and spoke with teller. She stated that 7-day hold, funds would be available first thing on XX/XX/XXXX. On XX/XX/XXXX no funds available. XX/XX/XXXX no funds available. XX/XX/XXXX called US Bank XXXX line -- very unhelpful and stated that US Bank DOES NOT COMMUNICATE when holding customer funds- phone agent could do nothing and hold investigations " usually complete '' in 7 business days ( big difference ), but could take longer. Funds were finally available on XXXX. 

There must be rules violated here about a bank not accepting their own deposit rules ( available immediate funds ) and then not even communicating with a customer about holding their funds. Please let me know what other regulatory agencies need to be aware of this so this practice stops.

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 2015-06-19
Company: Dynamic Recovery Solutions, LLC
State: PA
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 am being repeated contacted to pay a debt that is invalid. Dynamic recovery solutions is claiming I have an outstanding debt that is over 9 years old and completely invalid. They can provide no documentation that I have incurred this debt, but continue to harass me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17
Company: ALLY FINANCIAL INC.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/XXXX ally bank froze my checking account number XXXX my direct deposit went into my checking account and I had {$2200.00} in my account from checking and savings, ally bank told me the account is under review to determine who should keep the funds. They told me on XX/XX/XXXX that ally bank has decided it would benefit the bank to keep those funds so the account will be closed the funds available in the account will be transfered to ally banks genetal funds account, they told me if they want the money they can keep the funds and don't have to return them if they don't wish.

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 2021-09-17
Company: Experian Information Solutions Inc.
State: TX
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:
Incorrect information remains on my credit report after multiple dispute letters being mailed!

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 2021-11-19
Company: SUNRISE CREDIT SERVICES, INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today XX/XX/2021I received a letter from : sunrise Credit Services Inc trying to collect a debt of {$64.00} I don't know who are they and I don't own money to not one. 
It may be a scam but here is the information about the company

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 2017-01-20
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
During my 3-year period as a XXXX, I had chosen to place my loans in deferment, which is an option that is allowed, and is interest-accruing. When I finished XXXX and my partner and I were applying for a mortgage, the lenders identified numerous accounts that had been reported to credit bureaus as delinquent. The time period in question was early XXXX months where I was still actively a XXXX. I wrote to Navient to dispute the delinquency, with all the required paperwork, and was denied to have the bad reports removed. I am still struggling to raise my credit score to where I can get approved to buy a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I contacted XXXX, XXXX and Equifax in writing informing them of my new mailing address : XXXX XXXX XXXX, XXXX, FL XXXX. I sent all required proof to make the change on XX/XX/2021 in writiing. I requested a free annual credit report and I want a copy of my credit score. But to no avail. 

I have not received my annual credit report or credit score at my new mailing address from any of the 3 credit bureaus. 

please help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: PENNYMAC LOAN SERVICES, LLC.
State: ID
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been attempting to save my home from foreclosure with a loan modification with Penny Mac Loan Services. They gave me a loan Modification in XXXX that was supposed to be for {$2100.00} per month per a phone conversation but was set at {$2700.00} and none of the Loan Amount and Past payments were reduced as also promised and I got no disclosure of what the Loan Amount was at all, just payment information only. I have been calling since XXXX to try to get a New Loan Modification set up with reduction in Loan Amount and Past Payments & fees by the guidelines of HAMP. Also my income and contributions from others has greatly increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
My VA Representation confirmed my VA Liquidation guidelines were approved. The Servicer, Penny Mac, will not honor my approved Liquidation. I am currently doing a VA short sale, as to I am XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
My parents who are both deceased left this property XXXX XXXX XXXX XXXX, XXXX XXXX, FL. XXXX to me XXXX XXXX XXXX and it was foreclosed on XXXX XXXX, XXXX : Foreclosure paperwork was done. On XXXX XXXX XXXX my son who is not on the mortgage. This mortgage has been sold over and over. I try to do the modification for the XXXX 6 months with no success. I hired XXXX XXXXXXXX on XXXX XXXX, XXXX to do the loan modification for me. And the modification went through the trial. Then XXXX extra month of payment, then they put me through a second trial. Hopes of getting a modification. The payment went for {$710.00} ( 3 ) month, {$810.00} ( 1 ) month, {$1000.00} ( 1 ) month, ( 3 ) month {$1000.00}. Add it up with homeowner insurance. Had me jumping through hoops to get a XXXX point and wind mitigation inspection. Still did not accept the low cost insurance I found for myself. Helping families save their homes Act of XX/XX/XXXX XXXX. When I started out I told all the attorneys I do not want to lose my parents ' home and the family house with have both been in this family for over XXXX yr. I got a phone call this weekend about the insurance I put in tell me singe some page work that was email. But when I went to the email no paperwork was there. Last month I pay no payment because the later payment was paid in XXXX XXXX. I was toll look for the final modification papers in the mail by my lawyer, as of today I have not received any paperwork. Every payment has been more than the {$940.00} you see on this monthly mortgage statement that I will send to you when you ask for documents. Since I did the first complaint PennyMac has send me the new find modification with is unreasonable because I had a 30 years fixed rate 8.450 % at {$940.00} mortgage payment total left {$120000.00}. Now it 's up to $ XXXX and a 40 years payment {$920.00} interest rate 3.875 %. a officer to reduction of {$22000.00} the anniversary of your XXXX trial period payment date for three years. If I do not want principal forgiveness, I may have other modification options. Yes I would like to know what the other options are at this time. Did not give my time to take to a Real Estate Attorney to look this over.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: COMMERCE BANK
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Commerce bank the lender for a buyer has required the Seller to transfer ownership in an LLC as a requirement for the Buyers loan prior to the lender funding the transaction. This highly unusual and unprofessional requirement is predatory at best and puts the Seller at unnecessary risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: Midwest Recovery Systems
State: TX
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:
Midwest Recovery Systems on or about XXXX/XXXX/15 added XXXX erroneous accounts to my credit reports. When contacted they admitted in writing that the XXXX accounts were added to the bureaus in error the week of XXXX XXXX 2015. But they refuse to remove them before the first week of XXXX 2015. We are in the process of getting a home loan and the XXXX erroneous accounts Midwest Recovery Systems added to my credit reports has caused my scores to drop below the minimum qualifying score for my loan. They were able to add the XXXX erroneous accounts during the week of XXXX XXXX 2015 which was not the first of the month and they should be removed immediately before the XXXX week in XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17
Company: SUN LOAN COMPANY INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The account is showing as a closed/changed off and is still reporting late payments and balances increase

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OR
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
We bought a car from Toyota several years ago. The XXXX CA office carried the paperwork. We paid the car off last XXXX and they sent us a paid in full ltr but have not cleared that loan with the reporting agencies as a {$390.00} balance. I disputed it online and sent the them a letter asking them to clear it to no avail!?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Sent a letter to PRA about a fraudulent collections acct opened in my name & they refused to delete it from my credit report & harassed me with calls. I sent a certified letter to Portfolio Recovery Associates ( PRA ) on XXXX/XXXX/17 regarding a fraudulent credit card account that had been opened in my name and then sold to PRA as a collections account. I explained that I had my identity stolen on XXXX seperate occasions in the last 6 years and I 've even had to be issued a pin every year for my taxes as the criminals who stole my identity also tried to file fraudulent tax returns in my name. I offered to settle the debt at 50 % of the amount owed even though I acknowledged that it was not my doing to begin with. I offered this because I 'm trying to finally have this account as well as others related to the identity theft removed from my credit report. I also asked that PRA not contact me via phone at all regarding the matter. PRA sent me a letter with copies of the credit card statement alledging that I did indeed open the account with no response to my offer to settle the account by paying {$520.00} in exchange for it being deleted from my credit report. In addition, I started receiving harrasing phone calls from PRA starting on XXXX at XXXX XXXX and again on XXXX at XXXX XXXX, despite my explicit request to be contacted by mail, which is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-07
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Toyota Financial Services sent my account to a collection agency to collect lease termination fees even though those fees were paid XXXX XXXX 2014. The check was cashed by Toyota on XXXX XXXX 2014.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Portfolio Recovery Associates keeps calling me from numerous phone numbers on a debt that was from 2009 and beyond the Florida statute of limitations. On various occasions they have threatened to sue me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-09
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I stayed in the car and send my wife to withdraw money from atm at XXXX at XXXX Texas XXXX. She had my serve debit card. I gave her the pin and asked her to withdraw XXXX if it did not give her the amount to cancel it, and we can withdraw it from another bank. When she saw that the atm was going to charge her a fee she declined the transaction. As she declined it no money was dispensed. We immediately left to another bank to try to withdraw the XXXX not knowing that American Express had charged me the XXXX to my card when no money was released.I called american express they informed me that they will see if they refund me, in other words they do not want to refund me. Another thing the ATM only dispenses up to {$400.00}, how could they release XXXX. I never received the money yet american express charged me the XXXX Immediately. They have camaras at the Atm no money was dispense even XXXX has cameras so they can see no money was released. I spoke to the manager called XXXX and they informed me I had to contact the XXXX, when I called them they informed me to file a complaint with American Express

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: MRS BPO, LLC
State: PA
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 was just hit with a collections of {$160.00} from a " MRS BPO LLC ''. I have no outstanding bills so this is a fraudulent charge.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-07
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Balance transfer

Complaint:
I took a {$4000.00} balance transfer from Citi Card. This cost me {$120.00} for 0 % interest for 15 months. I continues to make my regular charges to my Citi Card. I made my monthly payment, on time, paying off all my purchases and a little additional. I was charged interest because I did not pay off the full balance of my credit card statement which includes the {$4000.00} I borrowed at 0 % interest. They charges interest on my purchases even though I paid off my purchases in full and on time.

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