BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-29
Company: AFNI INC.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I was away for some medical treatment on Wednesday XXXX XXXX. I always leave my cell phone with a friend to answer while I 'm at the doctor. The call came in at XXXX XXXX. The phone rand and the caller ID registered as XXXX XXXX XXXX and the person at the other end of the line asked my friend XXXX XXXX if he was speaking with me. He replied no, said that I was ill and out getting treatment. My friend XXXX asked what the call was concerning, and the caller again asked if this was me and XXXX said no. XXXX asked again what this was in reference to and the caller finally told him that he was a debt collector calling to collect a debt for XXXX from a bill from several years ago. XXXX said he would not take a message and gave the caller my XXXX XXXX XXXX to submit the purpose of the call in writing to me directly. I contacted my lawyer once I heard this, and he said it 's illegal under the fair credit reporting act for a collector to disclose any information to a third party and he suggested i file a complaint here first. When I googled the phone number, it showed AFNI, who is a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
MISSING A {$130.00} OR MORE FROM MY BANK ACCOUNTS BEGINNING ON XXXX XXXX, 2016 XXXX XXXX XXXX PAYMENT REQUEST CAME IN FOR XXXX THE BANK TRANSFERRED {$40.00} FROM MY LINKED OVERDRAFT PROTECTION SAVINGS ACCOUNT AND ANOTHER {$20.00} FROM MY REGULAR ASSIGNED SAVINGS ACCOUNT BUT INSTEAD OF PAYING THE MERCHANT REQUEST AND CHARGING THE BANK {$5.00} TRANSFER FEE. 
THE BANK RETURNED THE MERCHANT ITEM AND CHARGED AN INSUFFICIENT FUNDS FEE OF {$35.00} WITH THE TRANSFERRED XXXX ( IMPROPER ACTIVITIES ) ADDITIONALLY ONCE XXXX MERCHANT REQUEST RETRY CAME IN ON XXXX XXXX, 2016 OF XXXX THE BANK USED FUNDS FROM MY CHECKING ACCOUNT TO PAY MERCHANT. 

SECOND PART : XX/XX/XXXX ; CONCERNING THE BANK BILL PAY DEPARTMENT. 
FEED THE CHILDREN {$37.00} and RELATIVE CHECK {$100.00} TOTAL DUE. {$130.00}. 
I ALREADY MADE ARRANGEMENTS WITH THE BANK BILL PAY DEPARTMENT. 
BECAUSE MY EMPLOYER HAD ERRONEOUSLY MISSED UP MY BI WEEKLY DIRECT DEPOSIT CHECK I WAS GOING TO MY EMPLOYER HEADQUARTERS TO GET A PAPER CHECK FOR MANUAL DEPOSIT INTO MY BANK ACCOUNT TO COVER THE NEGATIVE - {$130.00} BALANCE. BUT THE BANK IMPROPER CHARGED ME XXXX SEPARATE INSUFFICIENT FUNDS FEE OF {$35.00} FOR EACH BILL PAY ITEM. AS THIS IS NOT RELATED TO A RETURN MERCHANTS ITEMS FOR AN INSUFFICIENT FUNDS FEE CHARGES. 
ADDITIONALLY, THAT IS AN ILLEGAL BUSINESS BANKING PRACTICE. 
TO CHARGE A BANK FEE PER EACH ITEM OF {$35.00},, IF THE INSUFFICIENT FUNDS FEE WAS APPLICABLE, THE FEE OF ONLY {$35.00} WOULD HAVE COVERED BOTH ITEMS FOR THAT DAY TRANSACTIONS, IN CONCLUSION : I HAVE SAVED TEXT MESSAGES IN MY CELLPHONE TO THE BANK CUSTOMER SUPPORT UNIT CONCERNING THESE ISSUES MATTER IN THIS COMPLAINT THANK YOU.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter from Commonwealth Financial Systems Inc. Dated XXXX/XXXX/XXXX attempting to collect on a debt. XXXX # XXXX and XXXX. Original Account # XXXX XXXX, XXXX XXXX. *Attached I did not recognize the debt and requested validation via letter Dated XXXX/XXXX/XXXX VIA USPS Certified Mail : XXXX return receipt requested. *Attached. 

The validation request return receipt was returned. *Attached I received a letter from Commonwealth Financial Systems Inc . Dated XXXX/XXXX/XXXX attempting to collect the same debt.They changed their account numbers to XXXX # XXXX and XXXX. However, it is for the same OriginalAccount # XXXX XXXX, XXXX XXXX. *Attached They keep trying to collect this debt ( for only XXXX knows what ) and will not validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I used mobile deposite to put my two paychecks in from my work place, together over {$1300.00} and it's being withheld from me for an extra 9 days. I get paid biweekly and all my money for my NOW past due bills is in there. I called TD bank twice and they pretty much told me " oh well '' and wouldn't even give me a reason why they are being held. At this point I want my money and to close my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-21
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My daughter has XXXX private loans, initially thru XXXX XXXX, and now those loans are being serviced by Navient. Since the loans became due ( XXXX ), monthly payments have been made. When the loans were serviced thru XXXX XXXX, a lower interest rate was negotiated, which helped lower the monthly payments for one year. Since Navient took over servicing, they will not work with us to lower the interest rates ( 6 % and 8.125 % ). Since XXXX XXXX, Navient has also applied the total monthly payment to interest. When I contacted customer service, I was told this was to pay capitalized interest. To date, they have applied {$3500.00} to interest. The amount of the loan never gets lower. When I go back thru the history of the loan, 'capitalized interest ' has always been a line item in the detail, but there is no line item for the amount they claim is interest. The payment for the second private loan is always applied to both principal & interest. Navient customer service is absolutely NO HELP in resolving this issue. And, I do n't know who to contact for assistance. I am repaying these loans in good faith, and I want the correct portion of the {$3500.00} that 's been applied ONLY to interest, to be applied to the PRINCIPAL of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: AP
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Navient has lost my payments on several occasions, then taken away the benefits that I should get for paying on time. I 've had to fight them multiple times because this keeps increasing my loan balance. I 'm also on an income based repayment plan. Every year, they miscalculate my income, and they try to force me to pay more than I should. I spent three months this year getting that straightened out and called several times a week. I was literally in tears thinking I had to pay over {$700.00} in loan payments instead of {$78.00} a month all because multiple people did n't know how to calculate a loan payment, kept doubling or tripling my income, and refused to listen when I explained to them what they were doing wrong. On top of this, I live overseas, so they 've made it incredibly difficult for me to resolve issues. I 've had to get up in the middle of the night more times than I can count to call about one issue or another. It placed undue stress on me. This last fiasco happened the month I delivered my baby and went on for two more months. Instead of sleeping a XXXX, I was staying up late and dealing with their mistakes. Right after they fixed this one, they went on to lose two of my payments that were made on time. Furthermore, they have called and harassed my grandparents about my loans even though I 've repeatedly asked them not to. I 've put in several complaints and asked them to remove their telephone numbers and contact info, but they refuse to. My grandparents are in their XXXX 's! The worst part of this was that they were calling to say my payments were late even though I 'd called several times, letting them know the payments had been made earlier than required but they 'd lost it, or, in one case, misallocated it. So, they had their money and still continued to call for months ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Transaction issue

Complaint:
On XXXX XXXX, 2016 I made a payment of {$2400.00} to Bank of America for my AAA Visa card not realizing that I was signed up for auto pay, so on XXXX XXXX, 2016 the auto payment of {$2400.00} was posted again. I received a statement from Bank of America showing that I had a credit of {$1300.00} ( copy enclosed ). ( in the mean time AAA switch banks and as of XXXX XXXX, no longer have a credit card with Bank of America ) so I called Bank of America on XXXX XXXX, and asked that the credit amount be transferred back to my bank account, I was told that it would take 3 to 5 days for it to post. On XXXX XXXX, I received a letter from Bank of America dated XXXX XXXX stating that as I requested they had transferred {$1300.00} back into my account. 
On XXXX XXXX, I checked my bank account I the transfer had not posted, I then called Bank of America and told them, the person that answer the phone told me that sometime those transfer take up to 10 days. I called back later to ask why would a electronic transfer made on the XXXX, take 10 day to post. This time I Talked to a rep named XXXX after I explained my problem she said the only thing she could do was to file a complain ( no:XXXX ) she gave me a phone number and told me to call the next day to see what they had found. On XXXX XXXX after checking by bank account and finding that the refund had not yet posted I called Bank of America again this time I talked to XXXX who after going thru the whole story again talked to her supervisor who told her that the problem was that as of XXXX XXXX they had no access to my account and that I should call the new bank because they now have my information, this puzzled me but I went ahead and called the new bank ( XXXX I do n't have any other info on the new bank because I have not yet received an statement from them ) they told me that they do not have any info on my account as of XXXX XXXX. Still puzzled as to why the new bank would have anything to do with my overpayment that was made to Bank of America I called back this time I talked to a rep named XXXX, she told me that I had to wait 30 days for the refund to post on my account she did not say anything about not being able to access my account, I questioned why a wire transfer would take 30 days and all she could say that that was the way it was. 
I have spent hours on the phone trying to find a solution and all I get I the run around every time I talk to someone I get a different story, I am filing this complaint because I do n't know what else to do, and I need to get my money 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 2016-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The account is over the Statutes of Limitations and I have a bad credit because of this account. It is with XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: Late fee

Complaint:
XXXX American Express credit card payment was due on XXXX XXXX, 2015. I always pay the bill electronically 3 or 4 days in advance. On XXXX XXXX, 2015 I logged in multiple times to authorize payment. The system would not let me put in a payment with a date of earlier than XXXX XXXX, 2015. I assumed this was because of the holiday and went ahead and authorized payment as early as it would let me. Now I get the bill and see that there is a {$25.00} late fee and {$35.00} interest charge on a {$1700.00} balance. I always pay in full ; I never carry a balance. If they did this to me I would assume they treated everyone who logged in on XXXX XXXX to pay their bill the same ( would n't take the payment until after the due date ). I have no other way to pay but electronic -- - I do not get a statement ; everything is on-line. So on XXXX XXXX it was not possible to pay a bill electronically with a due date of XXXX XXXX. This never happened before and I believe it is just not fair.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-07
Company: Ditech Financial LLC
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is a follow-up from former submission XXXXI was denied a useful modification for a bogus reason ... that I received applications in XX/XX/XXXX 2014 & XXXX 2014 & failed to submit them. I had shortly before that submitted a complete application. When I called to ask about these extra copies I was told to ignore them as they were automatically mailed out.Our application was denied. Now it is happening again. I am once more 3 months in default & called to ask for help. Our home is listed for sale & we have an interested party who is expecting a large settlement soon but we have nothing on paper. I asked for my personal rep but got a gentleman instead. He asked for a lot of information & then told me they would give me a little time & to keep in touch. Then I started receiving application packets in the mail ... XXXX from XXXX different addresses in one week ... each one a little different. I called my rep who was no longer XXXX ( who I could never talk to anyway XXXX but is now XXXX for help. She told me to ignore them & do n't bother to submit any of them. And I need to pay up now or I am in foreclosure as those papers are already to send to me, HELP!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
I applied for a Zales credit card, financed through XXXX, which gave me 0 % interest for 18 months, then 28.99 % there after. I set up automatic payments to pay off the balance before the end of the promotional offer. Comenity Bank then bought out my line of credit with XXXX without my knowledge, and the automatic payments stopped, making that payment late. Since I was inadvertently pushed past the promotional period, Comenity Bank is trying to charge an even higher interest rate not to the current balance of {$790.00}, but they 're trying to charge the interest rate to the balance that was over 20 months ago, which was almost {$5000.00}. The interest rate that they 're trying to charge is almost double that of the actual balance, {$1300.00}. I contacted Comenity Bank and offered to pay off they entire balance if they corrected the interest rate and charge it to the correct balance ; they declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: AL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Weltman Weinberg and Reise Company LPA called me claiming to be representing the XXXX XXXX XXXX. I asked if I could make payments and they informed that I was in default and the entire debt was due. After this conversation I began doubting their authority to collect on said debt. When they called again, within 30 days of intial contact, I asked for the verification of the debt. They told me they were still going to be reporting me to the credit bureaus as my last payment was in XXXX. This was a lie as I was holding a statement from the company they were supposedly representing and the statement said the last payment was received on XXXX/XXXX/15. Not only did Weltman Weinberg and Reise Company LPA lie to me about this, according to my contract I am in default if I do not make a payment within 270 days. During these calls where they were trying to force me into paying the entire debt, I was not even in default of my loan yet. However when I asked to make payments they refused. In summation : they lied about how much was due, they refuse to stop collection activities though I requested verification of the debt and their authority to collect it, and they refused to take payments even though i was still within my time frame to make payments instead of paying the entire sum. I was attending the University XXXX in XXXX when I took out this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: Debt Recovery Solutions, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
this is a fraudulent account that I did not open and is still being reported and collected on .... that needs to be removed ... this was from my identity being stolen

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 2016-06-15
Company: ECMC GROUP, INC.
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently checked my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never received a notice from this company. I have never received goods nor services from this company and I have not signed a contract stating I would do so.

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 2015-09-18
Company: Ditech Financial LLC
State: OR
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
HelloI would like to place a complaint againstDitech Financial llc. 
XXXX, PA. XXXXAfter receiving information from my prior complaint I need to expand it to include other parties. For reference previous case # XXXX. 
In XX/XX/XXXX I put an offer in of XXXX to purchase a short sale property at XXXX XXXX XXXX XXXX XXXX , OR. XXXX from XXXX XXXX XXXX. I Put earnest money down and had a pre approval with 20 % down. On XX/XX/XXXX XXXX XXXX XXXX countered with XXXX witch I immediately accepted and signed acceptance documents. On XX/XX/XXXX we were finally contacted and surprisingly met with another counter demanding XXXX dollars more for the property. Brining it to a total of XXXX. 
Unknown until my prior complaint XXXX XXXX XXXX had sold the lien to Greentree financial who has now merged with Ditech Mortgage Group. So as well as XXXX selling the property lien when they had an agreement with me I am finding that greentree / Ditech are being very unreasonable as well. My Realtor has sent a comparable analysis report for the area showing the inflated price is way out of line. I have photo documented the extensive damages and provided average repair costs. 
Both listing agent and my realtor have argued that this is unethical and unrealistic. But all this has been ignored by the lien holders involved. There has been little communication and no cooperation from the new lien holder Greentree / Ditech. I have read complaint after complaint about greentree / Ditech and do n't want to be just another complaint. I am looking for help on what can be done or I can do to make a difference. There is a number of properties in my area that have been vacant for years and now I understand why. 
Thank You for your timeXXXX 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 2020-07-10
Company: AES/PHEAA
State: TN
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:
Due to COVID-19 I was unable to make payments. The {$40.00} that was due has been paid in full. That information is no longer delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-12
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened up an account over the phone with TD Bank. The person I spoke to said that I can take care of everything over the phone. She said in order for that count to be activated I need to deposit money. I decided that I did not want to use TD Bank and call to cancel the account they said they can not verify who I am over the phone as the account was never activated. They said that if I keep the account that says I will be getting charged fees for not having the minimum balance but they would still not be able to close the account for me over the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-29
Company: Tormey Bewley Corporation
State: NM
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was covered under my insurance at ten to these details were incurred. Because the bills were not sent in a timely fashion, and because I retired and acquired a different retiree policy, the invoices were not paid. I am willing to pay the original fee without the interest and late fees, but have not been contacted by the collection agency.

Company response to consumer: Closed