BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-01
Company: Fleet Financial Inc.
State: CO
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I was referred to a broker who worked for Fleet Financial. My experience and complaint is against the company, not the individual. My husband and I have never leased a vehicle and after being presented with options by the broker, we thought this to be the best fit for our growing family. I leased a vehicle on XX/XX/2016 through Fleet Financial. They acquired the vehicle from a XXXX dealership and the financing was through XXXX ; however, Fleet Financial did not disclose any notice relating to what fees we would be charged for using one of their brokers and because there was no direct compensation to the broker, we were unaware that fees existed. I would have understood that no one works for free, but the context and way they were paid was never disclosed and in my opinion, misleading. 

The trade-in description and allowance on the lease shows N/A. We traded in my husbands XXXX. We were also charged XXXX for " optional insurance, '' we did not agree or know what this was. We also were required to write a check of {$460.00} to XXXX XXXX when this was not disclosed when we approved for the lease. Naturally, we obliged because of how far we were into the transaction. 

Lastly, the car was purchased XX/XX/XXXX, tags on the vehicle were due XX/XX/XXXX, I went to the DMV on XX/XX/2016 after wondering if I would ever receive the notice to go purchase my tags. After using my XXXX and taking over an hour at the DMV I learned that they were yet to receive the paperwork on my vehicle, thus, they had to give me an extension to XX/XX/2016, which was 2 months after the original date my tags were due. When I finally got a chance to purchase my tags the DMV employee advised that since it had been so long the amount due was much higher than it should have been, upwards of XXXX-XXXX dollars I paid in addition because of Fleet 's lack of due diligence. It is my suspicion that Fleet purposefully held onto the money in an interest bearing account instead of dispersing so that they could make interest on money which was not theirs. I ca n't imagine I am the only person this has happened to.

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 2015-04-15
Company: CHECK INTO CASH INC.
State: SC
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I have paid back the amount I owed to the company I borrowed the money from, but they keep calling me and threatening to take me to court or jail and they threaten me about how much they can take from my check every other week I get paid.I was threaten that if I did not give them my bank card number they will take me to court and/or put me in jail

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-07
Company: PENTAGON FEDERAL CREDIT UNION
State: KY
Product: Credit card
Issue: Balance transfer

Complaint:
I transferred a credit card balance of approximately {$3600.00} to Pentagon Federal Credit Union ( PenFed ) on their 0 % balance transfer program in XXXX 2016. After a few months on the program, I noticed that my account was being charged interest. This is not an obvious thing as I have a Platinum 'rewards ' card and usually received some credit each billing cycle as a result of gas purchases. I did some rough math and determined that I was paying interest on purchases on an average from the purchase! Not from the billing date or the period after that! I called PedFed and talked to Customer Service. The technicians were at a loss trying to explain what was happening. I was transferred to a Lead/Supervisor named XXXX and got enough of an understanding that it came to one question : Could I pay the total balance with the advance and othe transactions and clear it up? XXXX 's response was yes. How I started paying interest on an undisclosed process bothers me a lot. I wrote a letter to PenFed 's President dated XXXX XXXX 2016.

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 2016-10-19
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 has every right to impose a monthly service fee on their customers however, that fee is really only applied to their poorer customers who ca n't meet certain financial requirements and are told to pay the fee or forced to jump over many obstacles in order to avoid the fee. By legal definition that is considered class discrimination. ( All Wells Fargo accounts have monthly service fees but customers can avoid those fees if they meet certain financial requirements. However, if your become poor and fall short of the financial requirements then your account is charged a fee and if you want to avoid that fee you must jump over multiple obstacles ). So in other words Wells Fargo 's wealthier customers get to keep their money at Wells Fargo for free but the poorer customers must pay a fee. I have been dealing with this complaint for over 5 years and nothing has changed. I have written to and spoken with over XXXX employees about my concerns. From supervisors to managers to their executive office but instead of Wells Fargo understanding my concern and helping me they instead bully me and have ignored me. This needs to stop because Wells Fargo has become to big and thinks they no longer have to adhere to our laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: Amsher Collection Services, Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I was looking at my credit report today and noticed that I had a collection on all of my credit reports from Amsher Collection Services. This collection agency was hired by XXXX for cell phone services. I had paid XXXX their last payment my services where already disconnected. I disputed my XXXX bill several times with Consumer Financial Protection Agency because XXXX had taken money out of my account for my cell phone services that was not authorized. Also, it is documented that I was billed unfairly and the amount was not in the contract. Amsher Collection services stated that XXXX said that I still have a bill of {$360.00}. I have not had services with XXXX in almost 2 years so this amount is not accurate. I also paid the last balance that was owed before XXXX disconnected my services because they were upset that I complained to CFPB. I called Amsher Collection Agency and spoke with a representative named XXXX. He was rude to me and told me that I have two options. I could speak to the attorney or he would hang up on me. 
I would like for this collection to be taken off of my bill because I have disputed my bill with XXXX. I had paid off what was owed on the cell phone bill and I do n't owe any other amounts due to XXXX excessively billing my account unfairly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Delinquent account

Complaint:
Had a credit Card with Bank of America that went delinquent In 2006. But it is still appearing on my credit report ad it has been more than seven years now. For some reason the File keeps getting sold to collections and they keep opening it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: Navient Solutions, LLC.
State: MN
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My complaint is about my daughter 's college loan debt through Navient. I am the co-signer. I receive mail, email, and phone calls from them. 
Navient calls me at least XXXX a day seven days a week. If I answer, they ask for my personal information- my birthdate. I have told them at least XXXX times that I will not give this information over the phone to someone that calls me. I have asked them to stop contacting me by phone. My daughter is behind on her payments. Her husband has had some periods of unemployment so she is doing the best she can. I have responded to them by email and told them that my daughter is responsible for the loan and that she intends to pay it off. I have never heard of a co-signer being harassed this way. The loan has not gone into default.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
A request for a Loan Modification was filed by borrower in XX/XX/2015, Servicer Bank of America denied the loan mod on XXXX/XXXX/2015, a Short sale was submitted on XX/XX/2015, bank of America denied the short sale by stating occupancy of the property was misrepresented. 
Borrower 's homestead is the property in distress XXXX XXXX XXXX XXXX XXXX, because of work reasons her employer has given her temporary work assignment is different States, the last being XXXX, where it was just terminated and she is back home. 
The property has been occupied by her parents and her only child, they have always live in the property. 
We files an escalation with XXXX the investor of the loan and they instructed the negotiator negotiating the short sale, to submit a request though the home path ( XXXX System ), but we also needed to re start the process with BOA as well, we did and it was declined for the same reasons. 
We received a letter allowing us to the Short Sale and the same date we received a letter denying the Short Sale. 
The borrower is entitled to a short Mitigation Option and there is a purchase agreement, meeting the bank 's value. Against CFPB regulations to stop the foreclosure sale until we finished the process, ON XXXX, the bank through its counsel filed a Motion to set foreclosure sale date to XXXX. 
The borrower has a child and XXXX elderly parents who live with her in the property. 
We believe the servicer is not reading the rebuttal sent to them and is ignoring all explanations. 
Bank of America wishes to continue with foreclosure in order to later transfer tittle to institutions such as XXXX or XXXX so the properties can be sold as bulk to investor all over the Nation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Credit card
Issue: Delinquent account

Complaint:
I had a bank of america credit card that is being reported as derogatory on my credit reports for XXXX and XXXX past the XXXX years allowed. It should have come off last month but is still there.

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 2017-01-03
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Documents on file. Complaint number XXXX I am responding to Chrysler Capital latest correspondence. I tried to file a complaint with the FTC and the system kept referring me CFPB I need your protection. There must be something more this agency can do other than simply say thank you for informing us. Chrysler Capital is clearly willfully causing me Financial and emotional harm. There is documented history with Chrysler Capital, Chrysler Group LLC and XXXX. Please forward my case to a Concessional office or XXXX office. My daughter and myself need your protection. Help me teach her truth and doing what is wright matters. This is like a game to Chrysler Capital. It is causing my Mental handicap to shut me down and spin out of control. I ca n't take care of my simple day to day needs .... I realize Chrysler Capital is simply a debt collector for XXXX and Chrysler Group LLC and they have distance them selves from Chrysler Capital, But legally or morally they should be held accountable. After all we did loan them Hundreds of Millions of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: ENCORE CAPITAL GROUP INC.
State: NJ
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 moved into an apartment and began getting collection calls for the previous tenant. Midland credit management refuses to update their records. They have been calling me for XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: CITIBANK, N.A.
State: NM
Product: Credit card
Issue: Late fee

Complaint:
Citicard : I subscribed to paperless billing and pay out of my bank account. I provided CITI with bank info. They did not deduct amount due, then claimed I was late, charged a late fee and interest. I decided to close account and pay, but I think this may be a scam and want to report it. I never received a paper bill, although requesting it.

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 2015-07-01
Company: GVA Holdings, LLC
State: NJ
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
Took out a payday loan and the loan has been paid back since XXXX 2015 plus interest, Payday lender still debiting account. I would like the payday lender to cease and desist from debiting my account, and return any and all funds back to my bank account paid after XXXX XXXX 2015. I 've paid this lender back XXXX so far. This lender also did not follow NJ laws for payday lending and interest rates.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
After multiple disputes with Trans Union they are still inaccurately reporting a late payment on XXXX on my XXXX XXXX. XXXX has sent XXXX requests for the information to be updated yet Trans Union has not updated the information. I do not have any late payments with my XXXX 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 2016-08-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
i had the same issue with this company before the issue was never solved. i agee to a loan modification they signed the agreement i signed the agreement. the agreement now they are going back on agreement no taxes or insurance is supposed to come out of the payment they say my county says we were behind my county says they are lying

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I 've been victimized by the illegal collection practices of Encore Capital Group - Midland Funding LLC. XXXX Consumer is who I acquired the credit card through as a XXXX who just purchased a new house ( 2012 ). Little did I know that this would be a nightmare that would follow me well into my XXXX. With a XXXX limit and an interest rate of 28 %, I tried to stay below the credit limit but seemed to never be able to pay it down with the minimum payment of {$75.00} dollars, the 28 % interest, and the added credit card protection. Eventually I decided to start paying XXXX - XXXX dollars per month or as max as I could get it. The card was closed but I never stopped making payments. XXXX still accepted my payments for three months before they advised that the account was no longer accepting them. Reaching out to XXXX and XXXX XXXX bank ( The company who owned the account at the time ) was a futile effort and they did not provide any useful information or a method for me to resolve the account/pay-off the account. Several years later, I get contacted by Midland Funding LLC., upon requesting more information about the account, they advise that it 's been sold and they no longer own the account. This even though they are the ones listing as a negative reporting on my credit. 

After trying to XXXX this account for several years, I get a notification in the mail that I have a credit that will be applied to the account as a result of action taken against Encore Capital Group - Midland Funding LLC. by the Consumer Financial Protection Bureau. Although this credit is present, Midland decided to robo-sue me for the amount of the original card. Not taking into account the credit provided by the lawsuit or the amounts that paid and accepted after they deemed the account closed. 
This has been very painful and costly ; I only wanted it resolved years ago but Midland with their account shell games with moving the account from one company to another and with them suing without providing proper information or documentation creates a world of torment for the consumer and I 'm still dealing with this nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Other

Complaint:
I have a credit score of XXXX and in my file I have a former bankruptcy. I have carried and used ( as an additional user on wife 's card ) American Express XXXX. I have had the card for XXXX years and always paid my balance in full. they refuse to issue me a card in MY name. I also carry an American Express through another company, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: MOHELA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My school recently closed due to misconduct, and basically false advertising, Unfortunately I completed my degree in 2010 but with no help from career services and a bunch of empty promises I am still unable to find a career in my field that pays more than XXXX an hour. I believe I was a victim in their practices especially when they started a XXXX degree program ( that was not up to par ). I was one of the first to be in the program, instructors were not prepared or not given the right tools to teach. We were promised crime scene investigations etc. what we got was reading a textbook and researching case law on google. It is an experience I wish I never had and now that they are closed what should I do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: ENCORE CAPITAL GROUP INC.
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midland Funding called and wanted me to make payments on this debt.They told me they wanted payments of XXXX month in XXXX payments.I told them that would not work out that I do not work because of serious medical issues.Then they start asking me about how I get money and how I pay my other bills, just prying.As they were talking, there were higher amounts they were asking for.By coercing me giving me speeches of paying off bills and where do I want to be in 5 years.I tried to tell them I could not afford much but would try to give something.They told me I had to pay XXXXmonth on both accounts that 's XXXXmonth I ca n't afford on XXXXmonth.Not including my rent, electric, oil, medications life saving that I told them.These collection agencies get away with coercion, making people feel pressured and cornered, not only pressured but it makes people feel low esteem, low self worth.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-21
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I had a hard time paying XXXX XXXX and got behind in payments so this went on my credit report but last year I had a bank levy for the loan of {$520.00} dollars and when I called the court officer the only thing he can tell me is that those fees went to a lawyer but he could not give me details

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
My credit limit is {$11000.00}. I want balance transfer {$9700.00} from {$11000.00}. But my credit card company told me I can only {$5500.00} transfer from that. But why? This is not mentioned in cardmember agreement. Also I called XXXX times but they do not give me reasonable reason. I say what is meaning of agreement. They told me I can transfer only 50 % of credit line. But this never mention any where in cardmember agreement. Actually they offered 0 % balance transfer for 15 months. Please see attached cardholders aggreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18
Company: Harris & Harris, Ltd.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Two or three times each week I receive robocalls from Harris & Harris Debt Collectors ( harriscollect.com ) asking me to return their calls at XXXX. Each time I do so, they ask me if I 'm someone else and then, after confirming I 'm not, they tell me the call was in error and promise to remove me from their list. The harassing calls then continue. My attempts to reason with the company have only resulted in rudeness. They have no interest in talking to me in person. They only rely on their robocalls.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Credit card
Issue: Other

Complaint:
I had a credit card with HSBC and I used to use it. When the ( HSBC ) card was expire I did n't continue it. I stopped use the card. After that, I think the HSBC sent another new card to the address and at the same time I went to visit in my country. Then someone took my card and used it. Unfortunately I did n't any contact with HSBC because of I never think it 's could be like that. Even I did n't check out my credit report in this time. Finally I knew about it when I to buy a new car with car dealer. When I was finance about my new car the finance ( car dealer ) man told me I have a problem with HSBC. Then I contacted with HSBC and they told me they could n't help me about it because of its passed already more than XXXX days. So please help me to solve it then I will really appreciate for it. Thanks

Company response to consumer: Closed with explanation