BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-15
Company: Adler Wallach & Associates, 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:
I had rented car from XXXX @ the XXXX around XXXX on XX/XX/2016 and had returned around XXXX on XX/XX/2016, after filling gas at the XXXX gas station in XXXX just before returning the car ( I submitted the gas station charge as one of the proofs ). I then went to the front desk requesting that the charges be split between XXXX of my XXXX cards ( because I had promotional offers on XXXX cards ) but the woman there was rude ( they should have a recording of that in their security camera ) and said go call the customer service regarding that. So I spoke with customer service around XXXX ( they should have a recording of that as they do it for " quality '' and training purposes ) while on XXXX to the terminal, as I had a flight to catch after checking in my bags. However I was advised to go speak to the personnel at the counter, since it was within 48 hours of return. So I decided to call them back after 48hours and went to check our bags in at around XXXX. After that we proceeded to gate past the security the security check as our flight was at XXXX ( I provided boarding pass and bag tags for proof ). We reached XXXX and took XXXX back home from the airport ( submitted receipts for that as well ). 
Following morning, I had to fly to XXXX ( submitted my ticket XXXX and taking XXXX rides in XXXX as well for proof ). However XXXX claims that I returned the car only around XXXX on XX/XX/2016, which is a not true and charged my credit card that additional amount. I contracted my credit card company and they refunded me that amount, but XXXX has been harassing me for that amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-20
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I took my niece to an XXXX when they came to visit in XX/XX/2014. I provided her insurance information but to my surprise, I got a collection letter stating that my insurance, XXXX, refused to cover the cost. I called XXXX and explained that XXXX would not pay because my niece was not covered under my military insurance. I supplied her insurance information AGAIN and thought it was all taken care of. A few weeks later, I started getting embarrassing calls from Transworld Systems Inc., basically accusing me of refusing to pay my debt ( a debt that 's clearly not mine ). At some point, I asked them to stop calling me, then they started mailing me collection letters. I have called them several times, provided my sister 's insurance info, she too has called them but for some XXXX reason, they refused to even listen to her, insisting I am the one that owes them. I have filed a complaint with XXXX credit reporting companies and to this day, the debt is still showing on my credit report. My sister called her insurance and they told her that because the medical center failed to do their due diligence and put in the paperwork, they could not pay the insurance, understandably so, since they chose to bill XXXX rather than the appropriate insurance company. The Medical Center had my insurance info on file because I had used them a few times in the past. I think it 's a bad practice to bill the wrong person/insurance and then refuse to correct their mistake. I am a service member, retiring soon from the military on XXXX, the last thing I want is to carry a bad debt and bad credit reporting into my unknown future, especially when the debt is not even mine. Please kindly assist in this matter. I need them to remove this debt from my credit report and completely remove it from XX/XX/2014 when they started reporting it. Thanks a lot for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have requested that previously DISMISSED CH XXXX filings be removed off my credit report due to the age of the records. The filing dates are over 7 years old and the clock starts ticking from the date of filing not the date of the discharge or dismissal. The Trustee 's office stated the same to me and suggested that I file a correction through the XXXX reporting credit agencies. 

I am currently in a CH XXXX and will be successfully discharged in XXXX/XX/XX/2017. I am trying to clean up my credit report before I get the discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
BLITT and GAINES, P.C, in XXXX Illinois is trying to collect on a debt that was under XXXX XXXX XXXX or XXXX XXXX XXXX XXXX This debtor was notified that I had filed for bankruptcy by my attorney I have tried to contact BLITT and GAINES but always get disconnected and have now been served with a summons They are trying to sue for a debt that has been discharged by BANKRUPTCY XXXX XXXX XXXX was informed of my bankruptcy by my attorney and / or representative

Company response to consumer: Closed
Consumer complaint received 2016-05-17
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Issue: Other fee

Complaint:
I had an XXXX card from XXXX. XXXX converted all their customers from XXXX to Barclays. Two weeks ago, I received an email from Barclays that my payment was approaching and asked me to schedule automatic payments, which I did. I scheduled auto pay to be paid the day before my billing period. When I went to check my account yesterday, it said my payment was part due and I was charged a fee. I called to find out what happened and they told me for autopay, the first payment does n't take place until after 30 days. they never informed me of this. In fact, in the auto pay confirmation email, there was no fine print and no information that stated that the payment would not go through until after 30 days. I have also had a similar problem with XXXX who canceled my autopay after 12 months without informing me then charged me a late fee, reduced my credit line and dinged my credit score. These credit card companies are finding loopholes to scam honest customers out of money by not informing them on their specifics behind auto pay.

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 2017-08-15
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I set up reduced payments with Navient in XXXX 2017 because I could not afford the monthly payments. I was told to select a date I wanted payments and they would auto draft. I selected the XXXX of each month. My regular payment due date was the XXXX, and I was advised that my due date would be adjusted automatically to reflect the XXXX after 3 months of on time and successful auto-drafted payments on the XXXX. This was after I called in about 2 months into making these auto payments to question why it was n't reflected. It is now XXXX, and my due date has not been corrected. I called today to try to resolve that as well as update the bank account information for my auto payments. I was transferred 4 times, with each associate telling me they could n't make those updates, only someone in another department ( the one I just spoke with ) could do it. On the last call, the associate answered and then never spoke- literally sitting in silence on the line. I waited because I could hear them making some noise as if they were reading out loud, so I assumed she was reviewing the comments. Then suddenly I was going through an automated prompt to rate the call and customer service. Well, all of the calls and customer service was rated the lowest possible. After speaking with multiple representatives, no one helped, kept passing me back and forth to departments with long hold times, and in the end, they dropped my call. One of the associates did indicate that because my payments were coming in after my due date, I was probably being assessed a late fee ( which after review I see the 2 late fees I was charged had been refunded, so they were again wrong ) and that she would put in the request to change my due date but it would n't reflect on my account until after this month, so once again I will appear to be late. And if this is n't processed, I will have to wait another month to see the change. I was transferred after that and did not receive any confirmation of this change request being processed, and because it took almost a half hour to make no progress, I did not call back. I also was unable to update my payment information- they are making it needlessly complicated to manage this account and my repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Their info and process is not transparent and dont give clear info. I paid a big chunk of my loan last year and they told me i have the payment due one year after. I still paid some before the next due date. I am paying more now than before even, but i still get few calls a day telling me i am behind and they will send me to collection and my credit will be ruined and they are charging more for finance charges. They are charging me 37 % interest and never decrease the payment amount due to lower total. The never give me clear numbers why and how they are charging me this much and why i am behind with higher payment with lower amount owing and still the amount owing keeps increasing. It is like contracting with devil.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: JH Portfolio Debt Equities, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I am disputing a collection debt from JH Portfolio Debt EQ ( Acct. # : XXXX ) that I discovered on my credit report without being notified from the creditor. I am now in the process of disputing this debt with the Credit Reporting Agencies and with JH Portfolio Debt EQ. This collection agency has also illegally re-aged this account according to the original creditor 's date of first delinquency. The original creditor is XXXX whose debt I 've already successfully disputed. Because re-aging accounts is a serious offense under the FCRA, I am reporting JH Portfolio Debt EQ to you so as to warn others about the illegal practices of debt collectors.

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
Consumer complaint received 2017-04-05
Company: The CMI Group, Inc.
State: GA
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:
CREDIT MANAGEMENT is attempting to collect a debt sold by XXXX that I do not owe. XXXX offers a no credit check program. The accounts they referred to me according to a XXXX rep was started with the no credit check program. There was no social date of birth or anything attached to these accounts. Also I never even lived at the places referred on the accounts. They are reporting a debt they told me was from previous years as opened XX/XX/2016 on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-13
Company: ALLY FINANCIAL INC.
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
ALLY BANK BOUGHT A ILLEGAL CAR CONTRACT WITH A FRAUD AUTO DEALER IN NJ,THE DEALER COMMITTING ILLEGAL HARD INQUIRIES ON MY XXXX XXXX, EXPERTS IN THE NJ STATE ATTORNEYS OFFICE, HAS BEEN PROFESSIONALLY INVOLVED IN THE INVESTIGATION OF SELLING A USED XXXX, 2007'
THE XXXX, NJ XXXX DEALER HAD THE  AUTO TOWED TOO A JUNK YARD.
THE CAR WAS IN A ACCIDENT,UNDISCLOSED BY DEALER WITHOUT DISCLOSURES, THE DEALER ALSO CHARGED MY CREDIT CARD,$XXXX'I  I'M ON A NEW LEASE WITH XXXX,
THE BANK ALLY WAS TOLD BY ME, THAT I DON'T HAVE A CONTRACT WITH ALLY AUTO FINANCE DEPARTMENT.
I'VE HAD MAJOR PROBLEMS WITH ALLY BANK, THEY PAID THE DEALER FOR THIS CAR, EVEN THOUGH THEY WERE NOTIFIED BY ME,THE STATE ATTORNEYS OFFICE,CONSUMER AFFAIRS OFFICE
I'VE BEEN PROFESSIONALLY INVOLVED IN THE ILLEGAL USAGE OF MY CREDIT REPORTS
THERE ARE THREE MONTHS OF INVESTIGATION BY ME AN THE STATE ATTORNEYS OFFICE,CONSUMER AFFAIRS OFFICE INVESTIGATION DIIVISION,,MOTOR VEHICLE COMMISSION OF NEW JERSEY
CONTACT ME ASAP TOO DISCUSS THIS CAR DEALER BANK,,ALLY FINANCIAL DIVISION.
MY PRIVATE INFORMATION IS AVAILABLE ON MY EMAIL ACCOUNT OR CONTACT ME AT XXXX. ASAP
THANKS
XXXX
.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Other fee

Complaint:
I signed up for the American Express Platinum Card XX/XX/2016. AmEx automatically enrolled me in their Travel Insurance Program without my ever signing up for it. AmEx then charged me {$19.00} when I bought a flight ticket from XXXX XXXX. When I saw the charge I disputed it and asked for a complete refund as I had never signed up for this insurance. However AmEx refuses to refund it and is making me run from pillar to post. I have already disputed it three times with AmEx and chatted with their customer service reps. They keep passing the buck to someone else and waste my time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-22
Company: Paypal Holdings, Inc
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I completed my business with Paypal by paying off the balance of the account to a XXXX. I have a screenshot of the payment from the website. 2 days later additional charges were applied to the account. I called and was told a cease and dissist was placed on the account and Paypal refused to discuss the fraudulent balance applied to my account 2 days after being paid in full. I have been threatened by the CSR about sending this to collections and " ruining my credit ''. I find these threats to be disturbing since the account was paid off and these charges were added to the account after a XXXX balance was obtained by payoff on XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Advertising and marketing

Complaint:
I made a reservation at a XXXX weeks prior to use. The booking agent would not accept the code for the wedding party discount. I asked to cancel the reservation. He said no unless the motel manger agrees. I asked manager she said OK if the agent agrees. Neither one would cancel and told me there were no cancellations or refunds. 
I appealed to my credit card carrier Chase Card Services and was told I would have to pay even thought they had not seen my circumstances in the form they sent me. 
I was told by Chase Card Services that I would have to pay even though services were not rendered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-23
Company: JPMORGAN CHASE & CO.
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Hello, my name is XXXX XXXX XXXX : In 1978 either in the months of XXXX or XXXX I had my brother buy me a saving bond for 500.00 dollars then give it to me as a gift.the banks name is XXXX in XXXX.XXXX was the c.e.o at the bank but when i melt him his was just a accountant. checks and bonds was sent to a old address XXXX XXXX XXXX XXXX.someone stole my mail but some how sent the check to XXXX XXXX XXXX XXXX XXXX.the person the got the check give it to XXXX XXXX XXXX XXXX to give to me but he took it to chase bank XXXX XXXX XXXX XXXX to cash it. the bank call me. to see if it was alright to let him cash it over,XXXXtimes I told the lady no.but she acted like she couldnt understand no.or call the police.my check and saving bond are now gone.can you help me.I live at XXXX.cell phone XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Select Portfolio Servicing sent me a repayment plan with outrageous terms in XX/XX/XXXX. They requested a monthly repayment of {$6600.00} per month for 12 months and a balloon payment at the 13th month for over {$40000.00}. This is extortion. They also provided NPV information with only XXXX items on it. The NPV had old financials from XX/XX/XXXX. They never contacted me to ask me if my income was still current. They also claim that both me and my ex-husband has the same XXXX credit score which is not true. They just pulled these numbers out of thin air and created some foolishness. They also are not compliant with the XX/XX/XXXX final settlement with XXXX and the Department of Justice. Even though that settlement agreement offers consumer relief SPS refuses to offer any consumer relief. They know their days of being in business are over. It seems as though they are trying to get as much money from homeowners as they can before they are forced to close their doors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: CASHCALL, INC.
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I took out a loan in XX/XX/XXXX from XXXX XXXX XXXX, for {$2500.00} which was directly deposited to my checking account. I was to repay the loan at a rate of {$290.00} for 48 months after an initial payment of {$270.00}. I was charged an APR of 139.12 % or a total finance charge of {$11000.00} was finally paid off in XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: Blakely-Witt and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I am in the middle of trying to close on a mortgage, and at first XXXX was refusing to take a persistent dispute notation off my account, today on XX/XX/2016 i find out on XX/XX/2016 the creditor Blakely Witt and Assoc, denied my request to get a persistent dispute notation removed off my credit, now they are holding my credit report hostage and not allowing me to close on a home loan, time is of the essence as i was fighting XXXX for weeks and now i have to fight them over this. I am expected to close in the next couple weeks, and still can not get approved due to this persistent dispute notation that they are now holding my report hostage preventing me from a home loan, if this keeps up i am going to lose my escrow money. Please 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 2017-10-11
Company: U.S. BANCORP
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
US Bank does not notify customers if/when any payment has not successfully gone through. They are clearly making the paying option so extremely difficult so they can collect additional fees for " late payments ''. 

Each payment must be made by inputting your routing and bank account number EVERY time you wish to make a payment. Once completed, they immediately credit your account. 4-7 days later if there is any typo in those sequence of numbers, or if US Bank could n't define it as a savings or checking account, they refuse the payment and do not notify the borrower in email, letter or online message that the payment was unsuccessful. They mark your account late and reverse the payment. In doing so they fraudulently back date the payment reversal to the day payment was made ( which is completely erroneous ). 

In my case, the payment was made on XXXX/XXXX/XXXX but on XXXX/XXXX/XXXX they reversed the payment. However, on their end they falsify the report stating is was made and reversed XXXX/XXXX/XXXX. Additionally, I receive a letter in the mail when payment is due, an email when payment is made and NOTHING is emailed, messaged or notified when the payment was unsuccessful. They also do not indicate why the payment didnt get applied. they can not definitively say it was a typo on inputting the data, or a outright error on US Banks end. 

This company is clearly doing this to erroneously add fees to consumers accounts. They are not trying to remedy this matter. It requires consumers to call them days/weeks later to try and figure out why they have refused the payment. Resulting in customer service not being able to tell you why, how or what cause the reversal. 

I believe US Bank is violating the FDCPA and FCRA. They should be investigated as not so many consumers are now aware of their deceitful acts as I am. They need to be compliant like all other lenders who are running a reputable payment option. I 've never seen something so antiquated and illegal occurring with what should be a big bank.

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 2023-02-02
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I wrote to USBank corporate headquarters. XXXX ( XXXX ) called me but was unable to explain why, since I increased my line of credit, I am now being charged a {$28.00} monthly service fee on my checking account when I wasn't previously. She left voice mail that was inadequate. I have called her and left XXXX mail 4 times starting XX/XX/XXXX and over the month of XXXX and she has not returned any of my calls. I contend that I should not now be charged this outrageous fee simply because I increased my line of credit. Or indeed, if this was to be a result of my increasing my line of credit, I should have received notification in writing of such, which I did not. Your assistance in this regard will be greatly appreciated. I have been a customer of USBank for over 20 years. 
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