BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Yesterday, on XX/XX/2018, I found out BANK OF AMERICA, summarily closed my account- and refused to give me my monies in that account- saying they have to hold them until account is closed- makes no sense, as ACCOUNT IS CLOSED THIS IS CONFISCATORY THEFT OF MY MONIES- WITHOUT DUE PROCESS OF LAW. I had about {$6.00} dollars there- stopped my debit card- and I am a XXXX, senior- and now can not pay my bills- ALSO ADVERSELY AFFECTING MY CREDIT AND CREDIT RATINg A few months before I had horrible fraud against my credit cards- giving me addiontla debt of {$12.00} plus- which the bank refused to honor- and closed my credit cards. I then opened a business account- and credit card issued for that was closed, without prior notice to me- The bank had made no effort to reimburse me for that theft=== THIS IS UNCONSCIONABLE- as they claimed there was possible MONEY LAUNDERING, AFFECTING 5 OTHER ACCOUNTS- gave me NO WRITTEN NOTICE- and made no effort to protect me nor reimburse me for these loses. Could BE ANOTHER=== XXXX XXXX XXXX, FRAUD by this bank No advance notices or written notices given me by the bank regarding the total of about over {$18000.00} ( XXXX XXXX dollars ), they have in effect STOLEN FROM ME- this is STEALING MY PROPERTY WITHOUT DUE OF PROCESS OF LAW- and they FAILED to protect me from the PRIOR FRAUD.

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 2022-09-02
Company: Personal Finance Center
State: GU
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am glad that XXXX XXXX and Attorney XXXX XXXX acknowledge that I have filed four complaints already with this being the fifth one and yet even as of the time of writing this complaint they have yet to offer any assistance and have yet to amend the situation. As stated in my previous complaints I have approached XXXX not once but four times asking them if they could come up with a payment plan in regards to my mortgage and the arrears debt which I owe and at the time was only two missed payments to which they responded " we don't do payment plans and that it's either you pay the arrears or we will take your house away '' and also the other times I approached them over the same issue I was told the same response and I was also told " just walk away from the house and let us take the house and you and your son can go and get a fresh new start " XXXX 'S persistent pursuit of trying to foreclose on my home extends to their lawyer Attorney XXXX XXXX who right from the beginning when I first filed bankruptcy I received nothing but a bad attitude and threats from Attorney XXXX XXXX like '' no XXXX XXXX I don't do payment plans and you better pay the mortgage and the arrears debt otherwise I'm going to make sure that I take your house away '' even when the judge ordered both Attorney XXXX and I to talk to each other and work out some sort of payment plan Attorney XXXX immediately said in a rude manner '' I don't do payment plans and you should stop playing around and just pay what you owe XXXX XXXX '' and he was also taunting me saying " what go ahead XXXX XXXX you have something you want to say to me go ahead and say it because I don't give a XXXX about what you say only about you paying what you owe '' their attorney XXXX XXXX has never acted in any sort of professional manner the whole time i have been dealing with him and he has been nothing but a rude loud mouthed unprofessional arrogant person. XXXXXXXX XXXX  statement doesn't make any sense that I am keeping myself in debt when right from the beginning when I missed two payments only I went in as stated before and explained my financial situation to them to which I received the response I stated earlier and in previous complaints. I am willing and open to negotiating with XXXX in coming up with a reasonable resolution to the situation at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Good afternoon, Im following chain of command as i have been advised by my council. I have reached out to  American Express on s everal occasions only to be given the run a round. My account was compromised and i dispute the un authorized charges back in  XXXX . Its now the end of  XXXX  ( Outside of FDIC timeframe ) and still no resolution just a case were we keep re-opening a dispute! Every contact with customer service i have received partial or as i was advised wrong information there are  two transactions at   XXXX   XXXX   XXXX   and I 've never been there. Im attaching proof of my signature from my government issued id as well as the police report for this matter. Ican be  reached at  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: CITIBANK, N.A.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was contacted by a person representing themselves as Citi Bank via text and phone. They stated someone was trying to wire money from my account. The number they called from was the actual city bank customer service number which I have learned is called spoofing. They were able to access my account and wire transfer {$3200.00} from my account. They gained my personal info from the banks wire transfer service

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 2021-04-20
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
ENHANCED RECOVERY CO L # XXXX I'm unaware of this account debt and did not have the opportunity to dispute. Please provide validation of debt, method of verification and Assignment of debt for this account. If notification was provided, please provide with CERTIFED MAIL RECEIPT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: Experian Information Solutions Inc.
State: OH
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:
On XX/XX/19 I returned a water dispenser to XXXX XXXX XXXX. XXXX XXXX accepted the equipment and emailed me the return form which brought the balance down to {$0.00} as she stated I was only being charged for the equipment. She then emailed me a screenshot of her computer screen showing {$0.00}. I have now opened 2 disputes with both Experian and XXXX regarding XXXX XXXX XXXX XXXX intentionally reporting incorrect information on all 3 of credit reports. The credit bureaus are allowing this with fake investigations even with me having documented proof the info needs to be updated and removed. When speaking with XXXX on XX/XX/19, I got the run around and a younger XXXX XXXX XXXX with an aggressive undertone stating he'd call me back without even knowing who he was talking to. I made a 2nd visit to XXXX XXXX after this call to see if I could work directly with them to clear this up. I spoke with the route manager XXXX. He pulled up the account and verified for the 2nd time there was a {$0.00} balance. He couldn't find any existing bills. He gave me XXXX collections dept # to call, I called at XXXX and was left on hold with no answer until XXXX when they closed and phone disconnected. All of these companies are in total violation of fair reporting laws. I know for a fact XXXX can not verify I owe them {$340.00}! That's how I know the credit bureaus are not really researching anything. I will be opening up a complaint with the attorney general if this situation doesn't get researched and rectified at once!

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 2021-09-10
Company: United Shore Financial Services, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I filed a complaint previously on United Wholesale Mortgage for the erroneous filing and collection of property taxes against my mortgage. They have not rectified their error and are continuing to secure escrow reimbursement by doubling my mortgage payment for more than 3 months ongoing. I have uploaded receipts that the taxes were paid by me on XX/XX/2021 to their website in XXXX. They charged my mortgage escrow property taxes for 9 other additional properties I own including one I do not own. A refiled legal description removed the additional 9 parcels however I have not received credit for the property taxes i paid personally nor a refund for the taxes paid out of my escrow account for a home I do not own that I am being billed for by them. There also has not been a credit to my escrow account for the refund that was issued by the county auditor for the taxes they erroneously paid. They are continuing to collect additional monies from me by doubling my mortgage payment to reimburse the escrow shortage issues. I have been charged and paid out over {$14000.00} as a result of their error over the past 4 months of finding this error. They said that the issue has been noted and that I would receive a revised escrow as of XXXX. Current online information shows no change nor credit to my escrow and that my due mortgage amount remains at the inflated amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: NCB Management Services Inc.
State: NY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This was a payday load with a very high-interest rate ( over 40 % ). My husband was in the XXXX and activated to full-time when I received this loan. I did not know about the laws concerning lending to military families. Furthermore, we qualified for XXXX so the rate should not have been more than 6 %. I called the company. the amount I had already paid back was over principal + 6 %. It was sent to collections and is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Capital One is deceitful, misleading, and falsely advertised financial hardships for their credit cards. On XX/XX/2022 I explained to 3 different Capital One representatives at XXXX in regards to my financial hardship and the inability to pay due to severe life-threatening medical condition that put me out-of-work. I explained to these representatives that I was unable to make a payment until XX/XX/2022. 

The programs they offered as follows. 

Program 1 : I pay {$98.00} on XX/XX/XXXX, {$98.00} on XX/XX/XXXX, {$98.00} on XXXX to get me current on the bill totally {$290.00}. I told the representatives this does not make sense if my minimal due is {$28.00} per month plus the late fee of {$28.00}. This, if I paid XXXX & XXXX XXXX of {$28.00} totaling {$56.00} plus the late-fee which is {$28.00} doesnt total {$98.00}. Further, if I paid the late fee + the two minimums I should be current. There would be not further need to pay {$98.00} per month. One representative agreed to my statement. 

This lead me to believe Capital One is fraudulently collecting fees and being scandalous and deceptive in leading customers believing that they are catching up on their balance and becoming current when they already are. 

The second program waives the late fee as if Capital One is actually doing something to help, the persons credit is still ruined by the negatively reporting and the interests still piles up. 

Capital One does not have a program that genuinely helps a person during financial hardship especially with the Covid-19 pandemic revving back up with the new variance. For example, XXXX Texas is back to a Stage 5 meaning maximum Covid protections. 

Capital One is a terrible financial company that swindles the low-income and people of XXXX especially XXXX Americans. Minorities are more likely to shop @ XXXX than XXXX and low-income individuals are more likely to get credit and barely pay the minimum and experience financial hardship. 

This is a terrible company. Dont worry about responding because all Capital One will do is send me a letter via email explaining nothing new. 

Capital One doesnt even care to reach out by phone when requested a phone call due to XXXX XXXXXXXX. 

I want this to be publicly posted to warn people of what Capital One is doing to help them!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize these inquiries for credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: Square Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I was using the Cash App, by SQUARE , INC, as an account to separate budgeted money for my wedding in XX/XX/2019. 

In XX/XX/2019, my debit card linked to Cash App was declined. When I went to the app, I was surprised to see my account had been closed, saying I violated their user agreement. I don't know which term ( s ) were violated specifically as I have not had any personal communication from customer service, only generic automated emails that I will describe below. I tried to contact customer service to reopen my account, but was unsuccessful at contacting anyone. There is no phone number to call, only an entry form to send an email to customer service. 

After emailing customer service, I received a generic email response stating my account was closed and to follow instructions to add my bank debit card or account to withdraw my remaining balance. 

I followed the instructions that were sent to me to retrieve my remaining balance. After going through all the steps, at the end, to verify my account, I am redirected to a screen saying that my account is closed and that I need to add a bank account or debit card to withdraw any remaining balance. Adding a debit card manually results in a response saying my account is closed and to contact customer service. Adding a bank account using the bank login and password also results in a screen saying I can't do that because by account is closed and to contact customer service. The third and final option to verify my identity is to scan my debit card. This will also result in a message stating my account is closed and that I need to contact customer service. Each time I contact customer service using the only method provided, I get an automated response with directions described above. I have screenshots of each generic email showing I received their generic response on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. With exception to these generic emails with faulty instructions to retrieve my remaining balance of {$220.00}, there has been no attempt by Cash App or SQUARE , INC to contact me to correct the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mother, who is legally XXXX, has granted me power of attorney which is why I am submitting this on her behalf. 
My mother lost a portion of her income on XX/XX/XXXX when her previous employer ceased her XXXX pay. We applied for a loan modification through her current servicer at the time, Ocwen. All of the necessary documentation had been sent and during this time, her loan was sold to XXXX/PHH. Since that time, her loan has been an absolute disaster. How PHH is in business is beyond me. The modification was approved but her payment INCREASED. My mom made the decision to " just give up '' and accept their new modified terms. She was told by PHH that she will be on a trial-mod payment period and needs to make the prescribed 4 payments and she will then be reviewed for a permanent modification. 

During that time, PHH has regularly misapplied funds and has constantly contacted my mom to make multiple payments during the month. The most recent and egregious occurring on XXXX. My mom made a regularly scheduled payment on XX/XX/XXXX ( when she receives her SS income ) and the payment was put into a " suspense account '' and not applied to the loan. On XXXX, her homeowner 's insurance payment was due and PHH unilaterally determined that they would release the funds from this suspense account and use it to pay the homeowner 's insurance, despite the fact that my mom has an escrow account, and has been calling her nonstop stating that she is due for her XXXX payment. There has been no escrow analysis done and my mom has not had the opportunity to determine how she wants a projected escrow shortage handled, whether it be through a one time payment to bring it current or spread out and added to her payment. Additionally, PHH is misapplying the funds which has the potential to jeopardize her eligibility for the final modification. In speaking with them, they are advising that they have the right to apply funds as they see fit. I can not imagine that is accurate and everytime we call, we get a new story. Desperate to get some assistance with this horrific company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I was contacted by the XXXX XXXX XXXX located XXXX XXXX XXXX XXXX XXXX WA XXXX from phone number XXXX via my cellphone on XX/XX/XXXX XXXX XXXX XXXX XXXX regarding a medical debt that I have been paying monthly since XX/XX/XXXX. I told the representative that they were in violation of TCPA and they did not have permission to call me on my cellphone. I asked them to cease and desist. The representative then went on to let me know they could contact me if they so choose to. On XX/XX/XXXX XXXX I received a call at my place of employment. I explained to the rep that I could not receive calls at work and would be terminated he then let me know he would continue to call and pursue additional collection efforts now that he confirmed my place of employment and the calls would continue.

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 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I discovered that some of the accounts on my credit report are incorrect when I reviewed it. Under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

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 2022-08-11
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Complaint and Demand for the Total Payoff signed by authorized officer from alleged owner of my alleged " debt '' On XX/XX/2022 someone filed electronically signed by XXXX XXXX ( likely a non-existing person ) acting as " PennyMac Priority Complaint Specialist, where he informed me that my alleged " loan '' was referred to foreclosure on XX/XX/2022. 

I did not received ANY 30-days Demand letters from anyone or ANY Notifications that my alleged " loan '' was referred to any foreclosures.

According To the contrary, I received 5 consequitive letters from real Servicer, XXXX XXXX XXXX who offered me modifications and directed me to send my payments to XXXXXXXX XXXX During all time in question all correspondence and letters were mailed to me by other parties, not PennyMac who renters their name to other undisclosed to me parties. 

Alleged " Notice of Default '' was mailed to me by XXXX ( owner of XXXX who forged fraudulent affidavit ) and XXXX XXXX XXXX, not by PennyMac or the alleged " owner '' XXXX XXXX. 

XXXX XXXX has no records of any PennyMac activities as someone claims. Yet, XXXX XXXX is as of today listed as Investor for my alleged " loan - while someone claims that PennyMac is an Investor. 

Foreclosures can be only ordered by the owner of my alleged obligation. As of today nobody provided any proof of ownerhsip or even existense of my alleged loan. 

Again, I never received any 30 Days Demand letter signed by a Responsible Employee of my alleged Creditor. 

I paid all my taxes and insurances while alleged " Servicer '' PennyMac '' did not even contacted me about it However, I found an alternative financing from a relative who wants to sell her property to help me to pay want tmy alleged " obligation '' in full. 

I want to pay my alleged obligation in full and demand PennyMac to provide me a total payoff statement, signed by an authorized individual officer who is responsible for administration of my alleged loan, accompanies by a certified copy of my accounting ledger signed by the accountant who maintains it and make me an appointment with PennyMac 's responsible employee where I can deliver my payment, in certified funds, and pesonally handle it to PennyMac 's financial officer who will provide me a certified by the owner of my alleged obligation release of this alleged lien.

Company response to consumer: Closed with explanation