BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Billing statement

Complaint:
Over the past 7 months I have been monitoring the interest payments on my credit card from Bank of America ( rewards ). The interest seems rather high to me. I believe their interest calculation works in principle according to : 1 ) the interest on any statement refers to the purchase amounts carried over from the previous month. 
2 ) the closing date ( XX/XX/XXXX ) and the payment due date ( XX/XX/XXXX ) are different, 3 ) the interest rate on amounts carried over from previous months is really high and seems arbitrary as the following data from my credit card statements shows : statement date interest charged balance amount paid ( $ carried over ) XXXX/XXXX/16 {$14.00} {$1400.00} {$1400.00} ( {$0.00} ) XXXX/XXXX/16 {$16.00} {$1400.00} {$1400.00} ( {$63.00} ) XXXX/XXXX/16 {$14.00} {$1100.00} {$1000.00} ( {$120.00} ) XXXX/XXXX/16 {$15.00} {$1000.00} {$1000.00} ( {$29.00} ) XXXX/XXXX/16 {$6.00} {$520.00} {$250.00} ( {$270.00} ) XXXX/XXXX/16 {$12.00} {$1200.00} {$1200.00} ( - {$3.00} ) XXXX/XXXX/16 {$9.00} {$1600.00} {$1000.00} ( {$600.00} ) My monthly payments were all made on or before the payment due date. 

My problem is that I called BoA for clarification - it took over 1/2 hour, multiple holds, speaking with XXXX representatives before getting a rough answer - made by the above XXXX points. Their description on how to avoid interest payments on regular retail purchases seems simple enough - " Pay the statement in full. '' However, debt carry-over into the next billing period seems arbitrarily exhorbitant, according to my data above, i.e. interest charged vs. ( $ carried over ). BoA does not provide clear rules in this regard. Coupled with calculation uncertainties surrounding the different closure and payment due dates, even the BoA representatives that I spoke to were confused on how interest charges are computed. One representative even commented on possible interest charged on purchases made within the closing and payment due dates - showing up on the next billing statement. As I did not receive a $ -to- $ itemized detail on how BoA obtained the precise interest figures, I conclude BoAs practice of interest computation is nothing short of obsfucation that works in their favor ; and hence predatory. Although the interest payments are not large in this case, I feel BoAs credit card practices deserve closer inspection.

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 2021-03-17
Company: CREDIT BUREAU ASSOCIATES-NORTHEAST, INC.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: CASHCALL, INC.
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
The original loan from Cash Call was for {$2600.00} approximately two years ago and now has gone to a debt collector for a total of {$11000.00}. When I applied for the loan originally, I went to their website to apply and consider whether to take the loan. Literally right after submitting my personal information and also before being allowed to finish the online process, I received a phone call, while at work, from a very aggressive and pushy salesperson type of representative. This person talked very fast knowing I was at work and persuaded me to accept the loan. There was never any paperwork for me to sign. Everything was explained verbally and very fast and I was directed to a website where I had to agree to terms I was n't clear on via E-signature. I never received and additional information through email or regular mail afterwards. The loan was deposited into my checking account almost immediately and I found out after the first automatic payment was taken that the payments were going to be over {$500.00} per month which I do not recall agreeing to such an outstandingly high ammount. That loan eventually led to the my checking account being closed and the beginning of a financial meltdown in my life. I originally thought of the loan as a way to consolidate debts into XXXX payment that would be less than I was paying but It turned out to be much worse. I lost my car, my banking account, my credit and almost my home.

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 explanation
Consumer complaint received 2020-04-18
Company: Nelnet, Inc.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Is showing 90 days late XX/XX/2017 when was on deferment from XX/XX/2017 to XX/XX/2017 so a payment would not have been due so how can I be late? Also shows I paid XX/XX/2017 so how could I be 90 days late for XX/XX/2017?? This is keeping me from buying a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02
Company: Penn Credit Corporation
State: PA
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:
PennCredit Corporation is attempting to collet a debt. I have closed my XXXX account for insufficient funds. I have not used my XXXX account since I called to the agent and I closed it. I just had {$10.00}. Now, they sent a notice of collection. First of all, I am in a hardship ( economy crisis ) and I am not able to pay {$48.00}. They are out of their mind. One again, I have not used the XXXX.?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
As of XXXX I calked chime bank and told them that i would not be using there. Derict deposit any longer but will keep my bank account open With them. At the end of XX/XX/XXXX I got a call from chime bank telling me that they closed my bank account. I opened up my bank account on XX/XX/XXXX to find out that my payment of {$750.00} was deposit in to chime bank that was not surppose to be and no one inform me of that. They keep telling me that there going to fix the problem. I fax over and e mailed all of my paper work from Ssi/ssa and plus paper work from them from when they closed my account and reopened it and when my XX/XX/XXXX deposit was posted to there bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
THERE ARE SEVERAL CREDIT INQUIRES XXXX, XXXX BANK XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, AND XXXX INQUIRES ARE ON MY CREDIT REPORT THAT HAVE BEEN DISPUTED SOME HAVE BEEN REMOVED BUT SOME REMAIN THAT DID NOT HAVE AUTHORIZATION TO PULL MY CREDIT REPORTS I REQUESTED VALIDATION TO SHOW WERE I AUTHORIZED THESES CREDIT INQUIRES AND IMPROPER RESPONSE WAS SENT BACK NOTHING SHOWING WERE I SIGNED TO HAVE MY CREDIT PROFILE PULLED

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 2022-09-19
Company: EQUIFAX, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: M&T BANK CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I had an unauthorized electronic charge of {$16.00} in my M & T bank 's checking account from an unknown XXXX account on XX/XX/2022. The charge was not from my XXXX account. I never shared this bank account info to any vendor. The bank gave me a provisional credit. And I've also reported the issue to XXXX for investigation. 

However, how could this have happened!!!! 

Even if someone mistyped the bank account info in XXXX, the bank should have noticed that the name was different and prevented electronic transfer from happening in the first place.

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 2020-04-17
Company: Experian Information Solutions Inc.
State: NY
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

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 2015-06-28
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This is in reference to a balance due on a eviction from XXXX XXXX XXXX on XXXX AZ. 

XX/XX/2015 I spoke with a XXXX XXXX a Debt collector at National Credit Systems Inc. I advised her that XXXX XXXX signed my XXXX lease 12 month lease and was not on any subsequent leases. I was the only person that signed the lease that was terminated in XXXX 2015. I advised her that any contact or threats of reporting to her credit report would be unlawful and I would seek legal remedy. 

XX/XX/2015 XXXX XXXX contacted XXXX XXXX via telephone and advised her that collections has proceeded against her and pending bad mark on credit report. This is a debt that is MINE ALONE which the property management is aware. XXXX XXXX completely disregarded our phone conversation on XX/XX/2015. XXXX XXXX advised her that was not on my lease ( 2015 ) and not to contact her again regarding her son 's personal business. She terminated the call. 

XXXX XXXX and National Credit Systems Inc has violated the FDCPA restrictions on 3rd party disclosure. I feel that these tatics are unlawful and violations of Unfair, Deceptive or Abusive Acts and Practices and this has prompted me to file another complaint.

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 explanation
Consumer complaint received 2015-05-23
Company: Financial Corporation of America
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Although XXXX 's Hospital of Texas acknowledged receipt of my request that my dispute of their bill is under review, their collection agency, Financial Corporation of America, has sent me a bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
WAKEFIELD is claiming that I owe them {$1600.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: Young America Holdings, LLC
State: IL
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
I have a reward/prepaid card from Toshiba that was issued to me after purchasing a laptop. The card expired XXXX and was not used. It had a full {$50.00} rebate on it. I called the number on the card, XXXX and was informed that they are unable to issue another card and no further assistance was available. I did reach out to XXXX Bank, the issuer but they could not help me either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-21
Company: POPULAR BANK
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Reference to Complaint ID XXXX. Please find additional documentation regarding my complaint to XXXX XXXX. 

Receipts for payments for the safe deposit box attached made in XXXX and in XXXX. XXXX XXXX legal department advised that the contents would be secured until the court closed the voluntary administration of the estate. 

It is incomprehensible that the bank disposed of a safe deposit box contents while the court was handling an estate.

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 2015-06-19
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I would like assistance in getting NC State Employee Credit Union to review my loan for a one month deferment of the mortgage payment. I called the Credit Union on XXXX/XXXX/2015 and spoke to a person named XXXX. I explained that my mother died unexpectedly and I had to come out of pocket {$4200.00} to pay for a burial plot and autopsy. Because of this I am behind in making my mortgage payment by about 3 weeks. He said he would research if a one month extension could be done and call me back on Monday XX/XX/XXXX. I did not hear from anyone Monday XXXX/XXXX/15 or Tuesday XXXX/XXXX/2015. I called back on Wednesday XXXX/XXXX/15 and spoke to XXXX. She said that she would pass my account to XXXX and ensured me that I would get a call back. I did not hear from anyone the rest of XXXX/XXXX/2015. I called again on Thursday XXXX/XXXX/2015 and spoke to XXXX who said that the policy is that I can not get an extension if it was to pay an expense and if my hardship was under 30 days long. I explained that I was not requesting it to pay an expense, I 've already paid it and that is what has strained my cash flow. I explained that I was on unpaid leave from XX/XX/2015-XX/XX/2015, to which he said was n't a long enough time. I explained that I have XXXX checking account with the credit union, have XXXX auto loan currently, another car loan paid in full, a credit card, my mortgage, and a savings account. If I experienced a cash flow struggle in order to bury my mother, I think that deserves an exception to the guidelines. He agreed that it was unfortunate that the guidelines were not set up to assist my issue, but he had to go by the guidelines. He said that if my mother was on the loan, if I had experienced a medical harship instead of my mom, or if my mother had been sick 30 days instead of 21, they would be able to assist per the guidelines. He offered to approve a loan for {$950.00} to make the XXXX payment I 've behind, which basically increases my expenses even more and is no help. I would like to see if someone could review my situation looking at it from a " human '' standpoint rather than by a paper book guideline. I paid out {$4200.00} but only asked for one month ( {$950.00} ) worth of help. I could n't even get the Credit Union to honor their word to call me and talk about my situation. And when I get someone he says " your mom was sick long enough '' -- I think its beyond unfair, unreasonable, and flat out insensitive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint:
Approximately XXXX is in debt due to a co-signed account. I have notified navy federal to contact my lawyer due to me filing a civil suit on my behalf of the auto loan that was not in my name back in XXXX of XXXX. I will be filing a civil suit against the account holder and would like to stop receiving phone calls. XXXX will no longer let me file a dispute and I have only filed once

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: EQUIFAX, INC.
State: WI
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:
I'm writing this because I'm concerned that I am a repeated victim of identity theft as evidenced by my recent enrollment in XXXX identity works compliment of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  also offered me a claim check acknowledging they were sorry to hear i was a victim of fraud and identity theft with them. all of them with a fraudulent hard inquiry and account on my credit report which has since been removed. I've also in the past been a victim to hard inquires by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, mt past emails from XXXX  and XXXX have been hacked and stolen and shared and sold on the dark web though ii can't stop that i need to protect me self and shut those emails down and i don't know how to reach out to XXXX support.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Portfolio Recovery has contacted me several times threatening to arrest and sue me. They 've continuously contacted my family and friends do and made these same threats. They called excessively. I 've continued to request written proof that they legally own this date and they have not been able to furnish this. They have cursed me. They have continued to call after I mailed them a letter asking they cease and desist. They have said they 've only been collecting on these accounts for 1 year. However, they 've been harassing me for at least 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: Santander Consumer USA Holdings Inc.
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
Went to a XXXX XXXX because we needed a reliable vehicle after filing out the credit application online that they provide thru the dealer website. We get there and find a vehicle of interest and agree to proceed with purchase. So we sat there for 4 hours waiting for finance manager to talk to us, when he finally does, its a hour after the business hours now and they should be closed. So he shows me what the monthly payment would be considering credit score and it was acceptable. But then never went over anything else like amount of months of loan, percent of financing ect.,, So I assumed that it was the numbers from the preapproval but after getting home a hour later and looking at the paperwork, the financed percent was 19 % not 9.84 % and the amount of months was 72 not 60. 
And the worst part was that I was financing {$13000.00} and it said I would have to pay {$28000.00} total after financing. Not to mention I put {$5800.00} cash down!. 
There is no way they can get away with what just happened. How does a single mother of 2 afford such a thing and why is none of this overlooked by government/state.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Care credit closed my XXXX  limit credit card without any advance notice which not only severely damaged my credit rating/score, but caused further financial harm as it inadvertently affected my ability to obtain new credit ; due to lowering my credit scores. I am disappointed in the way Care Credit handled the situation.

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