BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Wells Fargo Bank has repeatedly charged insufficient funds fee when there are no funds in the account, and they send out notices to that effect. Rather than stop all payments on debit charges and ACH debits, since there are bank records stipulating that account has no funds, they repeatedly decline charge and re-charge insufficient funds. This is definitely a rip-off scheme when Wells Fargo continually make an account negative by adding {$35.00} per item over and over. Further, when I first had an issue with a charge and not enough funds and a check was going in the same day, they would not post deposits, until AFTER an insufficient funds status was used.

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 2017-01-04
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I called Navient and the customer service representative misrepresented the company when I called I ask if this was in regards to my student loan and she said no I need you to verify information before we can talk to you. I refuse to do so because I know that Navient is a government contractor for the federal student loans department. My current loan is with a in good standing with XXXX. I have no desire to transfer or do business with Navient. They are harassing my harassing me at work by making phone calls and harassing my spell by calling his cell phone. I asked that they remove my work and husbands phone number and to not contact me any further. The representative said the calls will continue but she will mail a letter explaining the reason for the call. I know what Navient is proposing and I do not want their service. I want them to stop harassing me at work and my husband. I want all communication including phone text work mail correspondence I want it all to stop immediate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
NETCREDIT made false statements to cfpb. I suspect impersonation. The ID thief who had been in frenzy of insider trading with the company is at large. The ID thief might be XXXX XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: TENET HEALTHCARE CORPORATION
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt was not mine/paid, but thought paying it would be easier then going the not mine route. 

I was seen in the ER at XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, GA XXXX due to being involved on car accident that I was not a fault for on XXXX/XXXX/XXXX. The hospital was given the driver that was at fault information. 

On XXXX/XXXX/XXXX I noticed I had a collection from Central Financial Control for the amount of {$550.00}. I sent a dispute through XXXX that day that I had no knowledge of this debt. On XXXX/XXXX/XXXX I received my first notice and a letter to settle this debt for {$270.00}. I wanted to get this taken care of right away the same day I made a payment of {$270.00} with the understanding the debt would be settled and deleted from my report. I was told I would be mailed a receipt. 

To this day I have not been mailed a receipt and the balance is still showing on my report as closed. I used my XXXX card to pay for the balance and they are also requesting documentation on the balance paid. This needs to be removed as I was not notified in a timely manner and I made payment as soon as I was aware of this balance. I was also told it would be removed if the balance was paid.

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 2017-03-01
Company: WELLS FARGO & COMPANY
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I was recently a victim of fraudulent check scam that involved a girl ( Name : XXXX ; Email : XXXX ) who contacted me online through a website called XXXX for sublease. She asked me to deposit checks to my Wells Fargo account and was later asked to transfer the money back to another Wells Fargo account provided by her. Once I deposited the check, the funds were made available immediately by the bank without clearing the check with the other bank ; in this case the XXXX Bank, Texas. ONLY due to this immediate fund availability, I was able to transfer funds to the account provided by the person of interest in this case of fraud. Wells Fargo did not make me awake of the " Overdraft facility '' associated with my account which in the end enabled me to transfer the money to the account. Currently, Wells Fargo is charging me for the check returns as they were made. As a consumer unaware of the overdraft facility, it is a huge burden to be charged for the entire amount which was returned.

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 2015-05-04
Company: WELLS FARGO & COMPANY
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I wrote a check for {$220.00}, and Wells Fargo posted the check for {$2200.00} which overdrafted my account by {$1700.00} and left me with bills to pay and just a few XXXX in my bank account. They told me there was no recourse I could take and that it would be XXXX days before I can get my money back, even though this was by no fault of my own. I am now left to live on {$150.00} for however long it takes them to fix this error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I made a large payment on my Bank of America credit card which I have had for 13 years. I thought the large payment would help my credit, but instead they immediately lowered my credit limit, ruining my credit and I have no funds to use. I have always been on time with my payments and I was n't even notified! This company is evil and low life.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Issue: Other

Complaint:
Macy's/DSNB is reporting the DOFD incorrectly, and has XXXX Charge Off dates on my XXXX and XXXX credit reports 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 2015-05-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2015 I made a payment over the phone with BOA, for XXXX month, they waived my XXXX processing fee. On XXXX XXXX, 2015, they took out XXXX XXXX payments from my checking account, leaving me with only XXXX. On the response I received on XXXX/XXXX/15, they stated that because my account was past due XXXX payments they took out more then my payment that I authorized. I want to see their policy where it states, that because I was past due they have the right to deduct XXXX XXXX payments from my checking account with out my authorization. If they can not provide that information they need to compensate my account for a mortgage payment, If not I will be contacting an Attorney. This is my XXXX complaint,. I also requested a call back regarding this issue, I got a call back XXXX weeks later. Keep in mind, that BOA only left me with XXXX in my checking for my family to feed and at that time it was snowing and cold, I had to borrow money to pay my electricity bill to stay warm. So its up to them, do they want to pay me out for a law suit or compensate me for something they are not allow to do with out my authorization. This will be my last complaint I submit, next time it will come from my attorney, I also received a Breach letter, which was incorrect, due to my payment had been made in XXXX/XXXX/15, leaving me with XXXX payment due on he account not XXXX when they reversed that large amount due to I placed a stop on the transaction because I knew it was going to take them weeks before I got my money back, due to debiting more then the regular monthly payment. Now I have to drive to the branch and make my payments because I do n't trust them on making a payment over the phone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-09
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX I purchased furniture from XXXX XXXX in XXXX, Tx. I started making payments in XXXX of 2022 to XXXX Bank, and I've made each one. When I started the process of buying a home, once my credit report was run it showed that I was XXXX payments behind on my XXXX XXXX payments. I went back to the store to find out what the problem was. A new store manager explained to that my account was split between XXXX creditors. XXXX Bank and TD XXXX, I was completely unaware that I was supposed to be making payments for XXXX account to XXXX separate creditors. My account was split between both to facilitate the sale and I had no clue. He apologized and gave me the number and advised me to call XXXX XXXX. I only received payment notifications from XXXX Bank, not XXXX XXXX. If I had known this, I would have been making my payments to both companies because I am able to do so. After speaking to the representative at TD XXXX  I was given my acct #, the past due, and the due dates. I explained to the rep and a XXXX what happened, and I will be taking care of the late payments tomorrow XX/XX/XXXX and making the regular payment on the XXXX. I asked once I make the past due how long will it take for them to remove the late payments from my credit report, because I essentially had no clue that they existed and was supposed to be paying them also, and it's making it more difficult for me to buy a home. I was told once they investigate and it's verified, I'm telling the truth, then they can see about removing the lates from my credit report. I do not think this is fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I purchased a laptop from Best Buy in XX/XX/XXXX on credit - a 'rewards card ' ; bundled with it was a Debt protection service which I opted in for. Over the years as Best Buy was acquired by Citibank I tried on numerous occassions to stop this debt protection because I never missed a payment and it was unnecessary - finally in XXXX : I was able to contact this Best Buy Citibank subsidiary - I began to realize that the great adversity which one has with the online account process in fact is massive fraud. Here is an example like my own ... ..XXXX XXXX XXXXXXXX I have tried on numerous occassions to audit my account - finally I made the mistake of asking the company itself to help me ... ..now there are no records of these past many years of transactions ... .just a debt that never goes away. As a conservative and conscientious consumer it dawned on me that Consumer fraud is in a word a corporate entity which collects exceedingly high interest rates and also sells debt protection services along with it - ( conflict of interest? ). This theft of services is obviously rampant ... .I would like to recover the excessive interest which this predicament has created at least - thank you for your attention.

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 2017-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had noticed that XXXX XXXX added a {$380.00} charge from capital one on my credit report. It shows date opened XXXX/XXXX/XXXX and date updated XXXX/XXXX/XXXX. I contacted capital one on XXXX/XXXX/XXXX regarding this because I have never in my life had a capital one account. They insisted this will not be on my credit report until a proper investigation has been conducted. XXXX failed to even let me know about this debt and I never ever received anything from a capital one! This needs to be removed from my credit report as this is an account I never had in my life. Also XXXX failed to even let me know anything about this debt, did not even give me a chance to validate or dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had noticed that Portfolio Recovery added a {$380.00} charge from capital XXXX on my credit report. It shows date opened XXXX/XXXX/XXXX and date updated XXXX/XXXX/XXXX. I contacted capital XXXX on XXXX/XXXX/XXXX regarding this because I have never in my life had a capital XXXX account. They insisted this will not be on my credit report until a proper investigation has been conducted. XXXX failed to even let me know about this debt and I never ever received anything from a capital XXXX! This needs to be removed from my credit report as this is an account I never had in my life. Also XXXX failed to even let me know anything about this debt, did not even give me a chance to validate or dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: Ray Klein, Inc.
State: OR
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Ray Klein Inc., XXXX Professional Credit Service of XXXX, OR. sent a writ of garnishment to a company I do business with that has no connection to the debt they claim I owe. I believe it was in retaliation for a contentious call I had with a Ray Klein Inc. employee and was done deliberately and with the intent to embarrass me. I have copies of the writ that was sent to XXXX in XXXX Ohio. XXXX is not my bank, nor are they involved in this matter at all, nor have they ever been. Ray Klein Inc. just picked a name off of my personal credit report and sent a third ( uninvolved party ) embarrassing personal details about this dispute including my social security number. 
I am not even sure that the debt that they are harassing me about is even valid. I was never served for this judgement they claim to have, nor was I notified by mail certified or other, but it sure shows up on my credit report. I think this company has engaged in illegal collection practices and I want them penalized for it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: BANK OF THE WEST
State: CO
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
I was quickly and thoroughly pre-approved for a 15 year mortgage on a used RV. Once I identified the RV, I submitted all information requested to complete the loan. Since then, I 've had zero communication from them despite repeated email and phone messages. As a result, I lost the RV I was pursuing and the deposit ( $ ) I placed on it. I have XXXX credit and was pre-approved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: EOS Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX Service continues to call trying to collect a debt " allegedly '' owed by someone I do not know. I have repeatedly told the collection company I do not know the person they are looking for for and to remove my phone number from their list. As of today I received another call. BTW ( I have had this phone number for over 19 years ) and I am on the do not call list

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The charge commonwealth financial has been calling me incessantly everyday at all hours of the day and have sent a letter trying to collect a nonexistent debt. They have sent a report to the credit bureau. The charge first came into the credit bureau by them XX/XX/XXXX. No time before has this ever been on my credit record. They are claiming a hospital stay in XX/XX/XXXX was not paid and that the hospital has not been able to collect. The hospital has not ever sent me a bill in that quantity. I was insured at that time by united health care and they covered my bill at that time. This is the first time I see this charge. They claim to have bought this " debt '' from a company called 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 2015-12-22
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
This submission relates to previous complaint against Regions Bank regarding excessive overdraft charges with number XXXX and to the finding by CFPB earlier this year that Regions Bank was in violation of Federal Law or Laws in their actions regarding excessive overdraft charges. Other than a refund of a single {$36.00} overdraft charge which I received XX/XX/XXXX ( if remembering correctly on date ), I have not received any thing from Regions Bank in terms of refund or acknowledgement of my valid concerns. In ( or around ) XX/XX/XXXX I began to receive daily/regular collection calls from Regions Bank. At ( or near ) the same time I also began to receive some other type of alternative collection call which came from different numbers with different area codes delivering messages from people using different ( more than likely fake ) names saying things like they are from the fraud division and my checking account is on their list and my case would be downloaded to my county for further litigation. Both types of calls ended in approximately XX/XX/XXXX and I strongly feel they are tied together. During my nearly 17 years as a Regions Bank customer I was a victim of identity theft more than once between the years of XX/XX/XXXX and XX/XX/XXXX by professional criminals with obvious banking industry knowledge and experience.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-23
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This account is not mine. Its been removed from credit reports and reinsert back to the credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: BANK OF THE WEST
State: KS
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was under the impression that I could open up a checking account with Bank of the West, especially considering they are a local branch with XXXX locations in my very city. I think its ridiculous that they do all these advertising and then deny someone with XXXX credit score. I should be granted this checking account so I can set up direct deposit through my employer and use this account for everyday use. Why would you push away a local person to bank with you? This was false advertising for 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 explanation
Consumer complaint received 2017-02-25
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This debt has been disputed and it was found that original collection company did not have sufficient information to validate debt so item was removed from my credit file. However, they sold it to another agency, XXXX and if is now reporting again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been getting at least 5 calls a day from this company and they are leaving more than one message a day.

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