BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Poor cosemmunication of Mortgage Loan officer XXXX XXXX, causing problems with closing. Although I complied with every aspect of this process, and sent in all documentation, by fax from Bank of America XXXX TX XXXX with OK confirmation. the Loan officer XXXX XXXX failed to tell me that my application was declined after we had a closing date and I was told that everything was fine. I attempted to contact the mortgage loan XXXX XXXX XXXX multiple times, and she would not call or email me back.When I spoke with Vicepresident CS sales Manager XXXX XXXX, he told me that my file had been declined 10 days prior to me calling him.She has sent and email to me and the Title Company XXXX XXXX on XXXX XXXX stating that she was waiting on the underwritting to confirm closing. According to Vice president XXXX XXXX, my file had been declined on XXXX XXXX, I still have yet to hear from Loan officer XXXX XXXX, and I have since rented my house out, since she let me to believe that everything was fine. My children and I now has no place to go due to her poor communication and unprofessionalism,, and I may lose the contract on the house that I am trying to buy. I was also told that if we did not close on XXXX XXXX, I would receive {$500.00}. Bank of America is obviously not concerned with my family 's safety or well-being and has been very unprofessional in this entire process. I will provided all the documentations for this entire process. thank you so much for helping us. XXXX know how many has going through the same situation like me.

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 2017-03-01
Company: BANK OF THE WEST
State: WA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I previously submitted a complaint on the Bank Of The West for not sending me information on my account including acknowledgement of my loan being paid off on XX/XX/XXXX and my not receiving the title to my vehicle which was Case # XXXX. The bank did reply after you contacted them however they have n't given me everything yet. 
After their original response I received another letter from them dated XX/XX/XXXX in which they stated that I will receive my Certificate of Title or Lien Satisfaction documentation in approximately 10 working days. Well it is XX/XX/XXXX and the 10 days have passed and to date I have not received the title to my automobile. I personally feel that they are purposely holding onto my title and I feel that they need to be taken to task over this and fined heavily for their total lack of competency. 
Their contact information is Bank of The West, XXXX., XXXX, CA XXXX and my paid up auto loan was 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 explanation
Consumer complaint received 2016-01-10
Company: EOS Holdings, Inc.
State: TN
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:
The original bill was for {$89.00}. The late charges, fees, and collector fees has escalated this bill to {$440.00}. I called XXXX to ask if I could pay my bill on Friday, it was due on the Wed before. The girl I talked to said that it would be ok and she would mark it on my account. The next day my phone was turned off. I called to have it turned back on they said it would cost me XXXX plus the next month 's bill, costing me {$230.00}. It was never posted on my account that I called. I want to pay this bill, but I refuse to pay what I 'm being charged. I will pay a fair amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: AFNI INC.
State: KY
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 recently pulled my credit report and discovered that this company has placed this item on my credit report without notifying me of the debt which I am afforded under article XXXX of the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I visited XXXX XXXX Hospital, in XXXX XXXX, California for services and paid for the services at the time for all matters. The bill was for a little over {$100.00} sometime in XX/XX/XXXX or XX/XX/XXXX. I did not have insurance at the time of this visit. I am sure I do not owe this hospital any money since I asked for my bill at the time and paid it in full. I never have not paid for a bill that was due for services or a product I purchased. They are trying to get money from me for something I do not owe. FRAUD!!

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 2015-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
This is my XXXX complaint for a similar issue. This XXXX incident has resulted in me beginning procedures to close all of my BOA accounts, not just my credit card. On XXXX XXXX I had great difficulty ordering a product on-line using my BOA credit card. After several failed attempts to pay with my card I called BOA. They told me that their fraud detection capabilities flagged my card and they would need to validate my attempted purchase before allowing it to go through. I was shocked, since I was actually using BOAs 'ShopSafe ' capability which should clearly indicate to even the most primitive software that it could not be fraudulent activity. Also disturbing, was that after each attempt to authorize payment I would receive an alert on my mobile device indicating a successful payment. After working with customer service we were able to authorize the purchase. I was actually able to see the purchase as a pending transaction on the BOA website. Unfortunately, after nearly XXXX, the pending status never changed, and there was no shipment notification from the merchant. I actually called the merchant inquiring as to why they were not shipping my item. They informed me that they have been trying to finalize the authorization with BOA, but failed each time. On XXXX XXXX I set up a conference call with BOA and the merchant. We tried repeatedly to remove the totally erroneous 'fraud detection block ' but to no avail. During these attempts, the pending status of my earlier attempt disappeared! In the end, I needed to hang up with the BOA associate and complete my purchase with an American Express card. The associate on the phone indicated that because I bought a juice in XXXX during the morning, but was attempting to make a web purchase with a company in Minnesota in the afternoon, I likely caused a fraud alert to lock my card! 
There are XXXX upsetting aspects to this : The XXXX is that BOAs credit card software is disjointed, primitive, and functional only if all variables and circumstances are pristine. Even the slightest digression from a normal credit card event ( like an XXXX resident buying a juice in the morning and then using the internet to order an item out of state ) causes their systems to fail. XXXX, none ( none! ) of the other credit cards I own have ever cancelled themselves without notice ( my previous complaint to cfpb ) or blocked my card so thoroughly that even the issuing agency could not unlock it! This indicates that BOA has chosen to allow the client experience to suffer immeasurably rather than absorb unfortunate, but normal losses from credit card fraud. I can not be the only customer being inconvenienced. The thought of being overseas on vacation, or in an emergency situation and dependent on my BOA credit card is now a situation I must mitigate immediately by ending my relationship with BOA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Bank of America is charging me fees for my former credit card account which was closed on XX/XX/2016. I have contacted them several times to no avail. The account is closed. I moved from XXXX to XXXX last year. I had BOA accounts for 20 years in XXXX. I am now in XXXX. There are no BOA locations here. The closest XXXX to me now is XXXX miles away. All my BOA accounts are now closed, but BOA continues to send me monthly statements for credit card fees.

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 2016-07-10
Company: Southwest Credit Systems, L.P.
State: IL
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:
I settled with them. I was told the account would be marked as PAID and closed. It never did. I was told that I should expecting a letter from them stating I pay the agreed amount. I never did. I believe I was scammed by these people

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: Netspend Corporation
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
The tax preparer that I went thru this year used my card with my refund and made several purchases in XXXX XXXX without my authorization. He then sent my card with all his personal information tied to it. I called net spend and was able to get my personal information in AFTER having my account frozen for a couple of days. I just ask that I 'm given what is rightfully mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX Midland Credit Management sent me a letter claiming they were the new " owner '' of a XXXX, XXXX. credit card account in the amount of {$12000.00} but would not begin collections for 30 days. 
XXXX Midland Funding , LLC sent me a letter stating Midland Credit Management , Inc. would be collecting on an account on behalf of Midland Funding LLC. This letter also stated that because of the age of the debt, they would not sue me for the debt but would report it to credit reporting agencies. 
XXXX I sent MCM a letter requesting complete validation of this supposed debt per the FDCPA. 
XXXX MCM responded with a letter stating they received my dispute and found their information to be correct. They then stated " We are uncertain of what you are specifically disputing '' and that to further investigate they needed the following documentation : " Written explanation and documentation demonstrating any errors in our account information ''. They also claimed that I had indicated I had appointed an attorney/representative and they were requesting contact information, which is incorrect. I do not have an attorney/representative and never claimed to. 
XXXX, I sent another letter, again requesting complete validation of the account under FDCPA XXXX MCM/Midland responded with a duplicate of their previous letter without any supporting documents to their claim. So, TWICE they neglected to send me documentation validating this debt they claim I owe. 
XXXX I sent a letter via certified mail to cease communication with me under the FDCPA and Florida statute XXXX, unless they were notifying me that the matter is closed. They did not respond to this letter. 
On XXXX they illegally reported this un-validated collection account on my credit reports and illegally RE-AGED this supposed debt to XXXX XXXX, 2016, with an increased balance to {$12000.00}. 
XXXX I called XXXX to dispute the collection. " XXXX '' with XXXX refused to request written validation from Midland and refused to remove the collection from my report until it is properly validated with real documents and not just on Midland 's electronic confirmation. When I told him I would have to report this refusal to the FTC, he began to speak abusively and derisively to me, and also refused to give me his real name so that I could properly document the phone call. 
It is seriously damaging my credit in the meantime. I am still in the process of calling to dispute Midland 's collection account with with XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03
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 have received a 2nd collection notice related to a XXXX bill for an account that I had not opened. Original notice was resolved over the phone XX/XX/XXXX, I had not lived at given address. Now a different credit company is trying to collect on same XXXX account in XX/XX/XXXX. I am now putting dispute in writing. XXXX does not offer any help in resolving issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have been trying to get my mortgage caught up with CHFA 's debt collection company for over two months, XXXX XXXX XXXX Every time I speak with different people, I am told different things, I sent letters and no calls returned.I sent a modification package. Nothing done. I received a letter from attorney two weeks ago. I was told by law firm they ca n't give me information. Call XXXX and they wo n't give me info until I submit letter to reinstate, which I mailed on XXXX and submited by fax. Now I receive a letter from an attorney that they are foreclosing on my property even though I have tried to work with them to catch up my mortgage.Now I am having to do a Notice to Cure with XXXX County. CHFA/XXXX received my check and letter but not deny getting anything else from me!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: Southwest Credit Systems, L.P.
State: CA
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:
A collection agency sent me a notice of a debt I was told I owed from XXXX. I was notified of it in XXXX XXXX. I was told that if I paid the total amount minus the {$110.00} ( a discounted amount ) that the debt would be paid in full. I did not contest the bill, and paid the amount as requested. Now, this 'discounted amount ' shows up as a 'collection amount '. That 's a surprise to me! I kept the letter stating this request, so I have proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: National Arbitration Forum
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Hello:
I have gotten calls from tel.XXXX or sometimes is an unknown number.
First call XX/XX/2016 a Investigator. XXXX call                        XXXX- have a court summons to deliver friday XX/XX/XXXX with an officer he ask for me to secure my weapons and animal for his safety etc I still have the message recorder threatened me and after my call this person called my son and my sister harrasing as well.
Thurday XX/XX/XXXX another call but now this person is calling himself office XXXX about check fraud which is untrue this person call my son and my eldery parents harrasing them as well.       
I dont know who they are or what they want please help put a stop to these harrasing phone calls. I have saved all the messages in my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: Regional Management Corporation
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I have been unable to pay a small loan that I owe Regional Finance due to financial difficulties after divorce. Regional Finance continues to call my place of employment after being asked not to over XXXX times and also letter sent to them asking for them to stop calling my place of employment. I have given my cell number for contact which has voicemail but when I do n't answer they call my employer number right after leaving me voicemail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-21
Company: Receivables Performance Management, LLC
State: KY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled an old credit card account. We agreed on a payoff amount on certain date. I have the letter stating the agreement. The amount was paid, taken from my checking account on the date agreed upon. 3 months later I am getting calls from other collection agencies trying to get the balance of this same account. I have called the collection agency that I worked with initially and they were supposed to send me letter stating this was paid in settlement agreement. They will not send the document and it is still showing on my credit report as balance owed

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 2015-07-30
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Other

Complaint:
I was a victim of identity theft. Someone tried to apply for an Exxon Card in my name. When I noticed the inquiry on my credit file I notified Exxon thru certified mail of this discrepancy. They ignored my request. It has been over 30 days and they still refuse to remove this inquiry from my credit file. I have no open accounts with Exxon.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Late fee

Complaint:
I purchased {$57.00} worth of garden dirt at Home Depot with my store credit card in XXXX. I never recieved the bill, they sent it to my husbands email account instead, ( why I dont know ). He not thinking it was junk mail deleted it. I receive a call from citibank saying I am XXXX months behind and have late fees. I was able to get them to waive XXXX month but not the other. I paid for the garden dirt over the phone with the operator but they said they reported me to the credit bureaus. I received the bill yesterday it is {$66.00} all interest and late fees including late fees on late fees. I probably will shred all of my Citibank cards now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-30
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I asked for a Goodwill Adjustment and the loan company said they do n't offer this, now I am filing a complaint because I would like the late payments removed from my credit report. During the months I was late on my payments was due to me being unemployed which left me financially XXXX to do anything. I have now gained full-time employment with benefits which is why my payments have became normal again. I am trying to buy a home and need this removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: AES/PHEAA
State: TN
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:
My sister tricked me into co-signing a student loan. She said it would be forgiven by the federal government once she graduated because she was a single mother. I have a XXXX XXXX and can not read well and can not comprehend what I read. My XXXX was a modified one since I could not earn a regular XXXX. ( This is being typed for me by a friend who I have explained my situation to. ) Since I work, I am being pursued for the loan. They loaned her {$30000.00} and want over {$100000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
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:
On XX/XX/XXXX, a payment came through to my Bank of America checking account which over drew my account {$1.00}. When i realized this i tried to call BOA for 4 days straight because they notified me that they would add another {$35.00} fee for extended overdraft. I am a college student and in between student loan refunds for the semester so i did n't have {$2.00} to cover the {$1.00} that was overdrawn. In addition most banks give consumers at least 24 hours to bring the account current before adding a fee. BOA added the fee the same day, even though I NEVER signed up for overdraft protection and they could have not paid the charge and rejected it. I attempted to call BOA over the course of 4days, and on XX/XX/XXXX emailed them. If i had spoken with someone from Bank of America, this fee would have been waived and the account would have been brought current, eliminating the need to then charge me another {$35.00} fee for being {$1.00} over drawn. 

To summarize BOA paid a charge on my account without my authorization, bring my total account balance to - {$1.00}, and then charged me a total of {$70.00} in fees, which is predatory and excessive. 

I would like the total amount of fees {$70.00} returned to my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the FCRA, XXXX XXXX - XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX - XXXX, XXXX - XXXX, XXXX  XXXX - XXXX, XXXX - XXXX, US BKPT CT XXXX XXXX XXXX XXXX, have violated my rights XXXX 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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