BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-04
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XXXX XXXX I decided to buy an pohne XXXXXXXX XXXX XXXXXXXX as a gift for my mom for XXXX XXXX. I decided to pay installments with my apple credit card. I paid {$100.00} on XX/XX/XXXX. 

On XX/XX/XXXX, I paid off the current balance of {$380.00}. On XX/XX/XXXX I received a charge for the first installment of {$54.00} which I paid the card again with {$200.00} more and they received the money on XX/XX/XXXX. I kept making payments on time at the end of the month to avoid charges on APR. On XX/XX/XXXX I paid off the balance plus I paid {$500.00} towards the installment. On XXXX I contact them because with all the money paid I realized they were charging me more and the amounts did not match. They had me on the chat until 2 am and then they closed the chat. On XXXX I contacted them again and spent 4 days telling them if was their mistake because the amount they think I owe is not true. At the end they hung up saying that I owe what is says. Today I contacted them again, and the problem continues. 

If I financed {$1200.00}, and I have already paid 9 months of {$54.00} since XX/XX/XXXX that means I have paid {$480.00} so far plus adding the {$500.00} I paid in XXXX that is a total amount of {$980.00} If you calculate : {$1200.00} - {$980.00} = {$310.00} ( this is the total I owe them to pay off the phone ) and not {$430.00} as they keep saying. 

I feel they never applied the proper charges to the account making a mess and are making me pay more. On XXXX I sent a letter with all the statements and payments because they did not want to provide their name on the chat and deny to provide a fax number and emal to send the papers. I do not feel I owe more money and if they made this worng. it is their mistake and their problem. I am havign track o what I have paid and they do not want to listed. I feel they are overcharging more money and even if they say I did not paid until XX/XX/XXXX which is not true, I still do not owe more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Global Lending Services LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Global lending services has contacted me several times after I told them multiple times to stop calling. They then called my wife and co workers multiple times after they also asked them to stop calling ( multiple times ) last call they made was to my wife on XXXX at XXXX on her phone ( XXXX ) XXXX. I talked to a supervisor and she insisted they wouldnt call anymore but the calls still continue at a harassing rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Verify This invalidated account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. Verify This invalidated account XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. Verify This invalidated account XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

4. Verify This invalidated account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

5. Verify This invalidated account XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

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
Consumer complaint received 2022-10-06
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX ACCOUNT XXXX MUST REFLECT THE STATEMENT BALANCE OF {$520.00} IT HAS NOT BEEN UPDATED BY THE REPORTING AGENCIES FOR OVER 1 MONTH AND I EXPECT THEM TO EXPEDIATE THE MATTER AND UPDATE AND CORRECT THE LOAN BALANCE AS PER Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I was behind in my mortgage payments, so I borrowed {$6700.00} from my daughter and she deposited it in my Bank of America account. I made my mortgage payments, but unbeknownst to me, Bank of America had taken out {$1700.00} from my account, causing my mortgage payments to be returned. The seizure of {$1700.00} by Bank of America was for a credit card account, which had been inactive for a period of 9 years. The last payment I had made was in XXXX. It was a company debt, and our company had filed Bankruptcy in XXXX. I was unable to pay anything, because I was diagnosed with a XXXX XXXX XXXX and have been unable to work. My only income is {$570.00} from Social Security. I called Bank of America, and told them they could n't do this, and the customer service person very nastily told me that it could be collected because they had just written this off. I believe the statute of limitations is 4 years, which is a long time ago. No communications have been received at all for at least 8 years. I do not believe they can legally do this and I would like my {$1700.00} back. The credit card was in the business name, and the funds were taken out of my personal account. Now I am again behind in my mortgage payments, and have no way of paying 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 monetary relief
Consumer complaint received 2018-05-31
Company: NAM National Arbitration and Mediation
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX, at about XXXX, I received a call from someone names " XXXX XXXX '' who claimed to be an independent processor. His number was restricted. In his voicemail, he claimed that he was going to serve me at my residence with papers and to call a company called " XXXX '' if I had any questions. The number given was XXXX, and he gave me a case # XXXX. A man answered the phone after about 2 rings ( I forgot to record his name ), and promptly put me on hold. When he returned, he stated that for privacy reasons that I needed to confirm my last four of my social, which he read to me. This was my first indicator of potential fraud as anyone could simply agree that was their last four. He then preceded to tell me it was from XXXX XXXX, who I have never had an account with, and that it was from XX/XX/XXXX ( 11 years ago! ). I notified him of the statute of limitations, and he quickly became defensive and rude. As I continued to talk to him about my doubt of their legitimacy, he became angry and hung up. After some research online, I have found that this company is notoriously known for attempting to scam people for illegitimate debt, and was advised to file a report.

Company response to consumer: Untimely response
Consumer complaint received 2022-10-06
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This concerns XXXX a bank with only online presence. 
Upon loosing my ATM card it took XXXX hours to request another one, and XXXX hours to have it authorized. The company doesnt have enough people to answer the phone. And it gives preference based on the amount of deposit with the bank. 
Also, when trying to make a transfer to another bank, it took 3 days, and it was unclear when it would happen. 
This bank doesnt have a brick and mortar presence, therefore it should have an easily reachable presence on the telephone.

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 2019-12-04
Company: Coastal Credit, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Due to my vehicle being totaled out, I paid the balance off for {$2900.00} on XX/XX/2019. I've reached out several times where each time a different story in reference to obtaining my title. I contacted Coastall Credit again on XX/XX/2019 to speak to someone in the title department and the representative stated XXXX was the only individual in the title department and she wasn't available at the moment. I received a call back by XXXX and was told I have to wait 60 days from payoff to see if the funds clear. I confirmed the bank has already deducted the funds from my account as to the information she started was incorrect. She then said that I could possibly retrieve the funds back however, after I called the bank, I was told that the merchant has received their funds already. XXXX then said that they have the title in hand, I asked for it to be released electronically, she refused. She stated that they're holding the title for 60 days from payoff and it will be mailed on XXXX XXXX, 2019 without just cause.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
National cr edit Systems   XXXX   XXXX   XXXX   XXXX , ga  XXXX  on  X/X/2017    was given a call in reference to work out payment arrangements on behalf of my niece. I recorded and informed the representative I was speaking to by the name of  XXXX   XXXX  who was the only representative that I was ever able to speak to. While speaking to  XXXX   I a sked him for our options outside the balance in full and let him know I made a {$5.00} payment on the account via debit card on  X/X/17   .  XXXX  then asked me what was I expecting to attempt making that payment. I informed  XXXX  the payment was made because he had threatened to attempt to garnish her wages.  XXXX  then said their calls are recorded and I said so i s this one t hen  XXXX  said he has to terminate the call. I attempted to call the company back multiple times but kept getting forwarded to voicemail. The representative also threatened the consumer with not be able to get student loans because of this which is totally false. I work for th e   XXXX   XXXX   XXXX  . So I left a voicemail on the representatives machine letting him know I will be filing a complaint with the Attorney general and that since they will not accept payment nor arrangemen ts we will consider this debt as paid for. Then I moved forward from there to file the complaint. I believe was this agency is trying to do is agains t the Unfair Deceptive Acts Abuses and Practices act also. Plee let me know what to do forward. I do  still have the recording.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: AFNI INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received several phone calls from Afni stating that we owed a past due account from a utility company - this was about 3 months ago. 

We just received a statement from Afni. We currently use this utility company and are up to date. The account number that Afni referenced is not ours and our company name is misspelled. 

Our company has contacting the utility company to let them know there is a fraudulent collection company acting on their behalf and to confirm that our account is up to date to which they confirmed. 

The utility company is XXXX. 

The collection agency is listed as Afni XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX XXXX Date of notice XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.

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
Consumer complaint received 2022-10-06
Company: The Receivable Management Services LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I got this notification it says Receivable Management Services LLC is the collector for XXXX XXXX. Now the only XXXX XXXX I know is a garbage company that picks up in my area. I have never called them to get there services. I have XXXX XXXX as a garbage company since last year because my company did not pickup the leaves since I had 14 bags of leaves. So I found a company that did. I purchased my own garbage can. The previous company had not come to get the garbage can. So I am assuming maybe this company took over but I never talked to anyone at that company.

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 2017-06-08
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a Mortgage with Bayview loan servicing company. This Mortgage was initially done with     XXXX   XXXX   and sold to   XXXX   XXXX   and now since last  XXXX    XXXX   it was acquired by  Bayview Loan Servicing  company. The problem I am having with them is they are not adhearing to the original loan. My Payment is due on the  XXXX  of each month with a 15 day grace period to the  XXXX  If  my payment is not received by Bayview by  the   XXXX  of each month they call to every day, even though I 'm not late until the  XXXX .   I am not late and I am ahead of the mortgage by pay more than due each month

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: MIDFIRST BANK
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Reporting unfair business practices and policies by  Midland  Mortgage  /  Midfirst Bank.   I was behind on my Mortgage by 6 months working on mortgage modifications.   On  XXXX   XXXX ,   XXXX   my house was scheduled for auction at the court house without any communications whatsoever from the bank / bank lawyers. I learnt of the sale through online solicitation of lawyers asking me to file bankruptcy to stop my foreclosure.     When I called the bank five days from sale, the foreclosure sale was cancelled. It was later rescheduled for  XXXX   XXXX ,   XXXX  . I never got the official denial of the modification. I was forced to file bankruptcy to stop the sale of my home.   They have continued with their harassing phone calls despite notice by attorney  XXXX  of the foreclosure on  XXXX   XXXX ,   XXXX  .   The bank sends their personnel to my house on weekly basis peering and knocking on doors to leave a flyer to call them freighting my children and billing me for the unappreciated visits.

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 2022-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, a french bank based in XXXX ( XXXX ) wired XXXX euros towards my Bank of America account located in XXXX XXXX, CA ( XXXX ). This is NOT the first time this bank wires me funds, it's the XXXX wire this year. I also regularly receive wires from a french company called XXXX every month, and this has been going on for a few years. For each wire, Bank of America charges me XXXX dollars. 

On XX/XX/XXXX, I received a message from my french bank stating that Bank Of America was requested a " reason '' for the transfer and was not applying the funds to my account yet. The funds had cleared the french bank on XX/XX/XXXX. Despite my frustration, I submitted to Bank of America, through my french Bank, a copy of the contracts for which I am getting funds disbursed in XXXX. I attempted to call customer service at Bank of America three times, and every time I was told the that all was normal on my Bank of America account, and refer to my french bank. Which I did. My french bank sent me a copy of the message received from Bank of America stating that the funds were not applied yet to my account and I needed to submit documentation within 2 days. Which I did. 

Today, on XX/XX/XXXX, the funds have not returned to the french bank, and they are not in my Bank Of America account either. Bank Of America keeps telling me I should refer to my french bank, and the french bank has received no new communication from Bank Of America. It has now been XXXX weeks that the funds have left my french bank, the only information that I have is that Bank Of America is holding the funds, and those funds are nowhere to be seen. 

I'll pass the details on how humiliating it is for a customer to have to beg their own bank for money they have worked hard to obtain. Beyond this, I am baffled that in a free country one has to beg for their money at a bank. If I had been living in XXXX or XXXX, it would make sense. Not in the United Stated.

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 2020-04-22
Company: Army and Air Force Exchange Service
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX  This debt has been paid in full. Im fact, its one of the initial statements that is made when I call in for information regarding this matter. My companys payroll requires them to send in written confirmation either by mail, fax, or both in order for the garnishment to be ceased. This company states that they have done both, however each time a representative from my company contacts me they inform me that they have received nothing. I have requested & left messages numerous time for a member of management from the collecting company to contact me. There is is always an excuse or either a dead line on the end when they do call. This has been ongoing for almost a month now & this company continues to garnish wages that are no longer owed. They also have no record of a check that was sent to them in the exact amount of XXXX. This check was tracked & it has been ruled that a member of XXXX XXXX in fact received this payment on XX/XX/2020. No one has given me any legitimate reason why this payment was not posted to my account. This account is paid in full. There is money owed back to me that this company refuses to account for. I am only given the runaround time after time & paychecks are continued to be garnished.

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 2017-06-08
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are several items Equifax is reporting that is false information I have disputed prior and nothing. This information is inaccurate and false I want removed     XXXX   XXXX   #  XXXX  I do NOT owe {$11.00} inaccurate   XXXX   XXXX     #  XXXX  {$23.00} I do not owe {$23.00} inaccurate and false   XXXX   XXXX     #  XXXX  {$10.00} I do not owe and outdated   XXXX   XXXX     #  XXXX  {$10.00} Outdated and inaccurate   XXXX   XXXX   #  XXXX  {$11.00} outdated and inaccurate   XXXX   XXXX   #  XXXX  Fraud, inaccurate and NOT my account remove

Company response to consumer: Closed with explanation