BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-27
Company: ALLY FINANCIAL INC.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I also sent the following to Ally on XX/XX/XXXX, received an email stating I would hear back from them within 3 days, but it's been four and I have heard nothing. 

I opened an automated investing account with Ally at the beginning of XXXX. The initial investment of {$5000.00} was transferred to the account on XX/XX/XXXX. Sometime between then and the XXXX I became aware the new account was marked restricted due Ally 's inability to verify the address I provided. I was unable to provide the supporting documentation requested, as I had provided a mailing address and apparently a residential address was required ( there was no indication of this when I opened the account ). I contacted Ally support immediately and they lifted the restriction on the account temporarily so I could transfer the money out of it, which would close the account. I did so, and received an email from Ally on XX/XX/XXXX stating that they would review the request that day, liquidate the funds and make the transfer. The funds were not invested yet, and still aren't according to the dashboard, so they should have been available immediately. 

It has been a month and the money still hasn't been withdrawn from the account account, and it still hasn't been closed. I have not had access to the account for this entire time, as it is " restricted '' due to not being able to provide the requested supporting documentation. 

I have spoken to support over the phone twice now to resolve this issue. The last time, which was last week, the support specialist removed the restriction on the account so I could try to withdraw the money again. However, I was unable to do so at that time. The error Ally returned was that there was already a pending transfer. 

I am becoming deeply concerned, as Ally is currently holding {$5000.00} in limbo and has not provided an explanation as to why, or a path to resolution. I have made it *very* clear that I wish to withdraw all the money and close the account, but so far Ally bank has not complied with this request despite the fact that the money is not, and certainly should not, be invested.

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 2019-10-18
Company: Ocwen Financial Corporation
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: Account status incorrect

Complaint:
There is a mortgage that is reporting with PHH Mortgage Services that has been closed for over 10 years. For some reason it continues to report and reports as opened. This is not an active account. It's been disputed several times and it still is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Good morning, I write again in relation to my complaint number XXXX, I have not received a response yet, but I want to inform and leave in writing that on XXXX I received an email from XXXX, signed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I responded to that email the same day and also called the number indicated in the same email to confirm receipt of it, however, I was answered by voice mailbox in which I left all my information including my phone number so they could call me back, again on Friday, XX/XX/XXXX, I called again and the answering machine dropped again and I have not yet received any response to the email in answer or to the calls. 

In the same day, Friday, XX/XX/XXXX, I wrote again to the encrypted email sent by the bank where I again indicated that the response indicated in that email regarding my claim was not going to be accepted, and that it required that they send me all the information about those operations, from which computer they were made, the codes sent to authorize them and the hours they were made, and even information about the recipients of those transfers. 

Once again, I appreciate all the support you can give me regarding my claim, since as I have indicated, these people took my lifesavings, and clearly these transactions do not have the characteristics of the usual transactions made by me, and that I would never have taken out that amount of money that way and leave my accounts practically without money without notifying the bank because it is practically having to close them. 

Thanks for your good offices, Best regards.

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 2021-10-11
Company: MOHELA
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MOHELA/DEPT OF ED Contact XXXX XXXX XXXX XXXX, MO XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$7200.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
Due to a late payment in XX/XX/XXXX ( the only late payment I have had in recent years with AMEX, of which I have been a member since XXXX ), according to AMEX I " triggered the Penalty Annual Percentage Rate on your account. The Penalty APR is currently 29.74 %, which is based on the Prime Rate plus 25.99 %. '' I was previously charged 17.74 % interest, so this is an increase of almost 70 % on my interest charged - the penalty interest rate applied was actually 29.99 %. This penalty interest rate, according to AMEX, is to be reviewed every 6 months. This penalty interest rate was applied to my account from the XX/XX/XXXX billing cycle to XX/XX/XXXX - a total of 11 months. The interest rate applied as of XX/XX/XXXX is 18.49 %. 

I requested an investigation with AMEX ( Job ID : XXXX ) on XX/XX/XXXX that included a request for refund on all extra interest paid under the abusive 29.99 %. As of XX/XX/XXXX I have no resolution and no response from AMEX - 102 days later.

I have tried to resolve the issue with AMEX directly with numerous calls since XX/XX/XXXX. Every time I am told to call back, my case is pending review. I called again today, XX/XX/XXXX. Upon being told the same thing ( pending review ), I decided to appeal to cfpb for help and a resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-11
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
the banking company chime has it in their app that if you switch insurance companies you get a refund. i switched insurance companies, and they told me that it's not a thing, and have no idea what i'm talking about. 

i've attached screenshots from the app, and of both payments that were made. the old provider is XXXX XXXX, and the new provider is progressive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: ResidentCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2020 I wrote to Innovative Recovery about a debt that claimed I owe, which I requested validation. Innovative responded with a partial lease agreement although the supposedly final balance statement shows an amount of {$1200.00} owed for " insufficient notice charge '' in addition to {$510.00} reletting fee. I then contacted Innovative again requesting to see the full and complete lease agreement, particularly the part showing the part about me agreeing to be charged {$1200.00} insufficient notice charge. Instead of providing me with adequate evidence of this charge, Innovative sent me the EXACT same response as before. Without a full and complete lease agreement, I have reason to believe this amount has been inflated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
At the end of XX/XX/2021 I applied for an XXXX credit card from Chase. This card provide rewards for card usage in the form of " XXXX '' which can be used to offset the cost of flights on XXXX. During the application process I provided my existing XXXX account to link my card usage. Chase did not use that information and instead had a new XXXX account created. I was never informed that Chase had done this. I never received any notice from XXXX regarding a new rewards account. 

On XX/XX/XXXX I reached out to Chase saying that I my XXXX account had not been credited with XXXX earned. On XX/XX/XXXX I received a reply where they cited " my XXXX account '', which was not the one I had provided but the one Chase had created. This was the first time I knew of the extra account. That same day I replied to Chase that they were using the incorrect account ; I provide them the same account I provided during the application and asked that they resubmit the XXXX to be credited using that account. 

On XX/XX/XXXX I received a reply stating that before they could change the account I had to contact XXXX to 'merge ' the two accounts, and Chase provided information on how to do so. Through the rest of XXXX & all of XXXX I used XXXX 's site and eventually called XXXX numerous times ( XXXX does not have a US-based call center ) to try and merge accounts, but they will only accept a passport I no longer possess as it expired 5 years ago, even after submitting my current passport to them 4 times. Eventually in XXXX an XXXX employee told me over the phone that they would disable my Chase-instigated account, leaving only my preferred account. During this time I reached out to Chase via phone to share the info XXXX provided ; I was told they would resubmit the missing XXXX. However, those did not appear on my XXXX account. When I reached out via Secure Message on XX/XX/XXXX Chase again told me that I needed to submit my passport in order to have the accounts merged, which conflicted with the information I received from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-27
Company: Ocwen Financial Corporation
State: MT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We suffered a housefire in XX/XX/XXXX. Since this time, our mortgage company has been very difficult to work with, specifically in the last six months. Although we have turned in paid receipts for months, they do not release funds. Every time you call the company you have to speak to a new person and get a different answer as to why you have not got funding yet. To date, they have over {$20000.00} that they are holding and will not release. They sent a check on XX/XX/XXXX but this check had our ex-contractor 's name on the payee line, which they had been informed of several time that he was no longer our contractor. Upon asking for an updated check, the company informed us they would issue a stop payment and get us a new check within 10 days. It has now been 15 days and they have not even processed yet. This is a severe hardship for our family and has caused months of unneeded stress. They can clearly see through inspections and receipts that the money has been spent to fix the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Back in XX/XX/XXXX I received emails from my old bank 'Bank of America ' account upon looking at my account I noticed that someone was able to login to my account and dispute previous transactions, I immediately tried to log into my banking app on my XXXX and was not able to as it said my access was restricted, I immediately stopped what I was doing and called the Customer Service number, when speaking the lady advised that my account was accessed via phone but not in my location and she transferred me to the fraud department who said that they will try to stop the dispute of transactions the agent then advised that people get into peoples accounts and dispute large transactions and then try to setup transfers to outside accounts which was told this would not happen and was advised that there was not much else I can do but go to the branch the next day. I was such in a Panic I called the XXXX XXXX Police Department in Florida and filed a police report Case # XXXX with Officer XXXX. The next day I arrived at the bank I asked for the branch manager which I sat down with them and explained, immediately they did not believe me, and I was told I had to speak to account protection services which was higher than the fraud department and they said that they will close my account and they will not do business with me ever again, so essentially not believing anything I said. I advised the agent that I had a police report and did everything I was supposed to do to try to report the issue but again did not believe me, I also gave them the police report but nothing. As the months go by I noticed that I was flagged with Early Warning Service as a 'Suspected Fraud ' client so my new account with XXXX was closed without reason. I had a great banking history with Bank of America when I opened my account in XXXX I had the checking account that did not allow overdrafts because I was being responsible, but for them to blame me when I should have been protected as a client of a business should be is ridiculous. The application and online account access should have been smart enough to block the hackers because I was suppose to receive a text message whenever my account is accessed to receive a code to authenticate myself which never happened but they blame me for this. This was unfair treatment of a client and now I am still be penalized for something I did not do.

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 2022-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV
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:
I have gotten emails from XXXX. XXXX and XXXX starting XXXX stating I applied for multiple credit cards through companies including Capital one and XXXX XXXX. I thought I put a freeze on my credit reports with XXXX, XXXX, and XXXX but I am still getting emails from XXXX XXXX about new credit cards. The person doing this is continuing to do it and nothing is happening to protect me. Ive contacted all 3 major bureaus about this issue and they havent done anything besides dispute the credit cards from my reports. They continue to pop up on my report, the person who has my information just spent XXXX $ on a Capital One card in my name. I contacted Capital One and they ensured me the card would be removed from my name and the account would be closed, neither has happened. This is very stressful because Im worried the person stealing my identity will continue to do so and move onto my things like my XXXX, taxes, and even my bank account. There is also another persons address on my reports, i just want this to be fixed before its too late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-11
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX Collection Account {$170.00} Account # XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX {$0.00} Opened XX/XX/XXXX Closed, has violated my rights.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12
Company: EQUIFAX, INC.
State: NV
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: Their investigation did not fix an error on your report

Complaint:
Original collection open XX/XX/2019 and they added on the same account twice and they keep changing when the account was open it should be one open collection on my Equifax not two duplicate collection

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: JPMORGAN CHASE & CO.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Since I opened my deposit accounts with Chase in the XXXX of XXXX, I have formed the opinion that the company is systemically out of compliance with Reg CC, governing the time in which funds from check deposits must be made available.

Nearly every check I deposit has a 14-day hold placed on it, whether it is a personal check, corporate check, and even US treasury checks and postal money orders. This has happened consistently with both my business checking and personal checking accounts. Each hold must be resolved individually, by phoning up the bank 's operating loss prevention department and waiting on hold for multiple hours -- on one occasion I went for a XXXX run to the sound of their hold music in my headset. In most cases, they are able to verify the authenticity and collectability of the check within minutes and make the funds available, but on one occasion I was recently told that a postal money order could not be verified because the agent couldn't find a phone number for the US Postal Service (! ) though she conceded that she could find an official web site to verify money orders, that wasn't good enough for Chase. She also told me in direct contravention of Reg CC that Chase treats postal money orders like " any other check. '' Two days later with the money order still on hold, a different agent was able to release the funds with no explanation for the delay. On another occasion, even after verifying the check with XXXX XXXX XXXX ( the bank upon which the check was drawn ), Chase insisted on getting the maker of the check on the phone to voice-verify that she had indeed written me this check. ( As an aside, I'm lucky I learned the term " maker '' in law school, because Chase 's agents seem consistently unable to use vernacular language to describe the process ). 

Reg CC and the FDIC 's explanatory materials for bankers make clear that the obligation is on the bank to cite a specific reason for a deposit hold beyond the same-day or next-day availability required by the regulation, and to be able to justify that hold with articulable reasons. Instead, each time I have called Chase to inquire about the reason for a deposit hold, my requests for an explanation of why they are uncertain the check is collectible have been summarily ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My purse was stolen from my car outside of the barber shop and I was left with nothing I had no ID or any type of identification I called the police and made a report of the incident and notified the credit card company I provided a copy of the police report as well but they refuse to help me and investigate the issue thoroughly. Ive been suffering for years due to these accounts being reported derogatory on my report I even continued to pay but the fraudulent charges were never removed which resulted to my account being closed by the credit card company. Under FRCA law 15 USC 1644 I should be protected and this account should have been removed from my report years ago. I provided everything I was asked to I didn't have the report the same day but I took a photo of the case card and provided that until the report was ready

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 2023-08-07
Company: Tenaglia & Hunt, PA
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX collection firm, Tenaglia & Hunt : Firm File No. XXXX issued a court summons witnout stating the date of my court appearance. I have NEVER EVER DONE business with XXXX and NEVER EVER OWNED a XXXX XXXX and CERTAINLY NEVER EVER REQUESTED a XXXX. I have NEVER EVEN RECEIVED a statement from XXXX. This notification from the collection agency, Tenaglia & Hunt is the first I've heard about it. In XX/XX/2023, I returned Tenaglia & Hunt 's form letter stating that the amount quoted {$1000.00} is not my debt. I also telephoned the firm on 5 occasions : XXXX. XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX -- 2 times ; Mon. XXXX. I have left numerous messages, which were never returned. I do not know whether this is a scam or not. I have been the victim of identity theft in the past, and this appears to be the same thing. Seniors like me are constant victims of scammers.

Company response to consumer: Closed with explanation