BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-11
Company: BB&T CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hello yes i my week of XX/XX/2018 started off with nothing but i don't knows and incompetence. The large bank know as BB & T did nothing to help or assist the consumer after a direct lie. This lie is costing the start up company thousands of dollars and the bank does not care it could possibly cripple the company. The bank manager was not helpful at the location XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX after i informed her that her employees lied and she was also one that assisted in the set up of my account. I want the employees and the manager to be held accountable for all the charges i incurred for charge backs on the accounts as well as the fees i paid for my merchant services and the funds to be released from my account. Secondly i need to be compensated for my time so the total amount liable to bb & t should be {$3500.00} minus the released funds. 
The issue at hand i explained to BB & T as i set up an account for business banking that i would be processing checks through a third party that would be deposited in the account. I was informed of a specific account that would manage all of my needs. I was excited at the time to make BB & T my main bank. So as i transferred my account over to the bank i find out everything i was told was a lie! The bank then just gave me a bunch of i don't know 's and sorry we cant help you and then they said they will close my account! no one accepted responsibility for their actions that will cost a new small company thousands of dollars not even to consider clients that might cancel due to the terrible customer service of the bank. I have consumers that were charged fees and over draft charges from their accounts due to the delay of the bank.

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 2017-08-03
Company: LoanCare, LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX 2017 my mother XXXX XXXX. On XXXX XXXX, my sister and I went to court to become administrators of her estate. We faxed these documents in to Loancare. We spoke to them on the phone and they told us what we needed to fax in. We faxed in the court documents and the XXXX XXXX. They had my sisters phone number on file. Days went by and we had n't heard anything from them. So my sister called them and they said that they had been trying to call my XXXX mothers cell phone. They did not try to call my sister, and they did not send a letter. These people are lazy. When we did talk to them they said that they did n't have the documents that they needed. I have a read receipt from the fax that proves that the documents were sent and that it did go through. On XXXX XXXX, 2017 I sent the documents again through email. On XXXX XXXX we sent them a check to pay off my mothers house loan. On XXXX XXXX we received an email saying that they received our request and gave us a ticket number. On XX/XX/2017 My sister spoke with them again. They said that they could n't talk to us because they did n't have the correct documents. After nearly an hour on the phone they finally found the documents but said they could not talk to us because they have not processed them! This is their fault for not doing their job.They refused to let my sister speak to a supervisor but she demanded and they finally said that they would have one call her back. These people have made our lives so much harder than what it already has been. They are awful. We have went through enough losing our XXXX year old mother and us only being XXXX and XXXX having to deal with this loss. No one has been compassionate. No one has even been nice. No one has tried to help us at all. Every single person that we have talked to has given us the run around. Please fix this. I do not want anyone else to have to go through the absolute torture that we have had to go through with them.

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 2018-07-11
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On the night of XX/XX/2018 my husband 's wallet was stolen ( pickpocketed ) while on a visit to XXXX. When we realized this happened the next morning, we immediately called Chase ( along with the other CC companies ) and logged into our account to see {$1000.00} had been withdrawn at an ATM, and XXXX XXXX purchases totaling over {$2600.00} had been made between the hours of XXXX and XXXX on XX/XX/18. We then went to the police station and filed a police report ( XXXX PD case number XXXX ). 

Initially, Chase gave us a temporary credit to cover the costs but last week determined that they would not cover the claim and reversed the credits back out of our account. Even worse, they froze our savings account so we couldn't transfer money out to cover the overdrafts until we called and BEGGED them to unfreeze it for a few minutes. 

Their reason for the claim denial was that a PIN was used to make the purchases. We believe ( as did the sergeant who filed our police report ) that my husband was followed and targeted - watching him enter his PIN at a XXXX OR this was an inside job. 

Chase was negligent on several security measures : 1 - ATM Daily Limits. The thief was able to take out over {$1000.00} in ATM withdrawals, exceeding the daily limits on the account. 
2 - Access to linked accounts. The thief was able to re-point my husband 's Visa debit card to my checking account ( where there was more money ) and spend against it. 
3 - 11 unusual transactions were made in the middle of the night ( XXXX ) in a town we have never visited and at every one of them they took {$100.00} in cash back. Their fraud detection systems never caught them. And the cashier at XXXX was likely in on it - 9 of those transactions were at the same store in XXXX, IL. 

Last week, we received a tattered envelope with his water-soaked wallet with his license and insurance cards. The note said the wallet had been found on a street corner in downtown XXXX. Credit cards and cash were missing, of course. They took what they wanted and dumped the rest. 

Having been a customer with Chase for many years ( close to 20 ), we are so frustrated with this situation. Chase has refused to research the ATM or XXXX purchases and claims no responsibility in protecting us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-26
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
My friend at my previous mailing address noticed a couple of emails in my name. On opening them, there was bank checks from TD bank and XXXX in my name and also a debit card from XXXX in my name. I have not opened these accounts and have no idea how my identity was used to open these accounts. 
I am scared on the extent of my identity theft and want to take all the possible action to prevent this from escalating further.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-21
Company: Aargon Agency, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Aargon Agency Inc is reporting a collections debt in the amount of {$1100.00} on my credit and the original creditor XXXX XXXX XXXX XXXX. The listed open date is XX/XX/2019 and last reported on XX/XX/2019. 
I have not received any communication from Aargon Agency in regards to any debt and certainly have not opened any accounts on XX/XX/2019 with XXXX XXXX. 

I do receive harassing and threatening voicemails from 1-2 times a day from phone number XXXX threatening to come to pursue me at my place of employment and home. They request I call back XXXX to resolve but do not leave a contact name, business name or any information in regards to where they are contacting me from. I believe this is illegal practices performed by Aargon Agency on top of the false debt reporting. I do not have any outstanding debt or collections other than what this agency is falsely report on my credit to explain these calls.

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 2019-08-22
Company: Experian Information Solutions Inc.
State: IL
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:
Viewed credit file with Experian in reference to XXXX account showing charged off. As of XX/XX/2019 the amount shows 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 2017-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX is fraudulent reporting an account which was opened on XX/XX/2017 to XXXX, Transunion and XXXX for the amount of {$720.00}. They reported that the are trying to collect for a company called XXXX XXXX. I have never taken an online payday loan from this company. The number the credit bureaus have is a non working number I am unable to contact this company by phone. I would like this reported this to the BBB and have seen multiply reports on the company doing the same thing to numerous people they are scammers and need to be stopped. This account was opened as a result of fraud e. I have no. contracts with XXXX nor XXXX XXXX. They have no legal right to collect because ive got no goods or services from either of these entities

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 2017-08-11
Company: EQUIFAX, INC.
State: FL
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 XXXX is reporting the incorrect balance to the three ( 3 ) major credit bureaus ( Equifax, XXXX and XXXX ) and the account is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Experian Information Solutions Inc.
State: FL
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 never received any paperwork that gave me any information to properly dispute or accept this said account within 30 days. This account is also reporting very inaccurately on all three of my credit reports. Each Bureau are listing something different. I sent a debt validation on XX/XX/2020 to XXXX and haven't received any paperwork to prove that this account is accurate and belongs to me. I also submitted a dispute to Experian on XX/XX/2020 to see if they could verify and maybe help me resolve this. On XX/XX/2020, Experian results were " updated ' and the report number is XXXX. How are you able to validate with the credit company but not with the accused account holder?? This account is not only hindering me from purchasing a home, but it is also hindering me from other opportunities and is a violation of my rights. As I was browsing through their website to find out a little more about the company, I noticed the only license listed on their page is from South Carolina ONLY.

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 2018-07-11
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
YESTERDAY MORNING ABOUT XXXX OR XXXX XXXX ON XX/XX/18 I VIEWED MY ACCOUNT AND WITH ALL PENDING ITEMS I WAS XXXX PLUS DOLLARS SHORT/NEGATIVE. SO I TRANSFERRED XXXX DOLLARS TO AVOID THE FEE. GUESS WHAT I GOT IT ANY WAYS. I HAD NO OTHER PENDING ITEMS FOR THAT DAY, BUT LATER ( XXXX ) THAT DAY I BOUGHT MY SON WATER WHICH WAS AFTER I HAD TRANSFERRED THE XXXX IT LEFT ME WITH XXXX DOLLAR AND SOME CHANGE. WHICH IT ALLOWED THAT TRANSACTION TO GO THRU FOR THE WATER. HERE IS THE PROBLEM NOT ALL OF THEIR ONLINE AND APP SHOW THE CORRECT INFORMATION AND NEITHER THEIR SYSTEM AS WELL .THEIR SYSTEM GIVES THE BANK EMPLOYEE A BETTER VIEW OF THE ACCOUNT WHERE AS THE CONSUMERS VIEW A MUCH MORE DIFFERENT AND HARD TO UNDERSTAND VERSION ONLINE OR THRU THE MOBILE APP. SO BEFORE I WENT TO BED MY ACCOUNT WAS OKAY UNTIL ALL THE ITEMS POST AND THEN IT SAID THAT I WAS XXXX DOLLARS AND SOME CHANGE NEGATIVE BY THE END OF THEIR BUSINESS DAY AND IT WAS SHOWING ME THE XXXX DOLLARS AND SOME CHANGE BY THE END OF THE BUSINESS DAY MINUS THE XXXX AND SOME CHANGE PURCHASE OF WATER. I DID A CHAT VIA INTERNET AND SPOKE WITH XXXX AND SHE WASN'T NO HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: Credit Control, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
in XX/XX/2019 i owed a debt to XXXX in the amount of {$2500.00} i got into this program with XXXX XXXX XXXX inXXXX I made a payment in the amount of XXXX as they were taking the money out of my checking account on the XXXX of each month or whatever date my S.S came into the bank so i cameup with a settlement the amount would go to this company called CREDIT CONTROL LLC. total amount to be paid was {$1100.00} now i was making the payments to themthen it went to this collection agency called XXXX XXXX then it got down to {$460.00} then it went to another called XXXX  and they were taking $ XXXXon the XXXX of each month i made 3 payments then i get this letter from XXXX XXXX XXXX who says i owe {$1800.00} i have disputed this many times sent the documents

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 2018-07-11
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Back in 2015 I had just opened a XXXX credit card account after a few months my mother got critically ill do to XXXX my credit card was still opened but I had stopped payment the card company called I set up payment arrangements the agreement was I pay the account off and the account would be in good standings. I set up auto pay and they received all moneys owed at the last payment the card was closed by creditor and the account was placed on my report as closed by creditor and charge off. This was not agree upon nor was I promised this during payment arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: United Shore Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear XXXX, In the Lender Letter ( XXXX ) addressed to : All XXXX XXXX XXXX XXXX XXXX ( please see attached letter ), Updated, XX/XX/2022XXXX XXXX XXXX  XXXX my loan investor ) clearly states on page XXXX of XXXX quote : Performing an escrow analysis for a XXXX payment deferral Updated XX/XX/2022 : If the servicer identifies an escrow shortage as a result of an escrow analysis in connection with Covid 19 payment deferral the servicer must spread repayment of the escrow shortage amount in equal monthly payments over a term of XXXX  months, unless the borrower decides to pay the shortage amount up-front or over a shorter period, notless than XXXX  months. Any subsequent escrow shortage that may be identified in the next annual analysis cycle must be spread out over either the remaining term of the initial escrow shortage repayment period or another period of up to XXXX  months. 

XXXX XXXX clearly states that any shortage identified can be paid in XXXX  months. 

United Wholesale Mortgage, through they subservicer XXXX  XXXX ( under the Cease and Desist order issued by Office of the Comptroller of the Currency ), is trying to charge my Escrow Account shortage in a period of XXXX  months not XXXX  months. ( please see attached ). Moreover, the amount of shortage they have identified through a wrongful Escrow Analysis is inflated. ( will be addressed in a separate complaint ). 

Please act accordingly and enforce XXXX XXXX guidelines .My shortage should be spread on a period of XXXX  months not XXXX. 

My loan was modified with the help of XXXX XXXX due to XXXX XXXX and payments were deffeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
To Whom It May Concern : I was a customer of XXXX for a year. I paid a year of services in advance. I was not satisfied with the work provided and I had called several times to cancel for a refund. However, each time I was advised the problem will be fixed. After several phone calls which took so much time away from my busy schedule, I told them just to cancel my service once the annual paid was finished. However, after the annual paid was completed, they continued treatments without my consent and charged me for work I did not authorize while I was away from my property for work related matters. I had called several times to get this square away. I spoke to the manager and she said it will be taken care of. However, I recently received a letter from Transworld Systems Inc. and stating I owe {$140.00} that they are collecting on behalf of XXXX. They will report me if I do not pay this amount. 
Here 's the info relating to this matter. 
Transworld Systems Inc collections Agency XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Creditor : XXXX ACCT # XXXX Date XX/XX/2018 amount {$140.00} Had i requested this service, I would be more than happy to pay. However, I did not request the service and previous service provided by this company was very unsatisfied. Please help resolve this matter for I do not want to continue receiving letters and/or phone calls for something I did not sign up for. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
After I opened master card I used it only few times and then paid it off. I received bill six months later stating with a credit limit of {$300.00} I had a balance of {$500.00}. I disputed transactions and said that I am not able to find card and that I didn't use it for six month. 
After a month they send me exactly the same bill. Considering that I don't have access online this makes the whole process very difficult.

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 2018-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
TransUnion File # XXXX XX/XX/2018 TransUnion has on my Supplemental Consumer Credit Information Cash Advance Inquires in the last 7 years as : ( XXXX ) I have not applied or received any money from no cash advance company in the last past 7 years or any other year. 
Please provide Documented proof of such loan from source as stated as Cash Advance Inquires

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 2017-08-03
Company: SLM CORPORATION
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I 'm not exactly sure who is or should be servicing my loan at this time, XXXX or Sallie Mae. My first disbursement date was XX/XX/XXXX in the amount of {$1200.00}. I may have received some false or misleading information when I expressed financial hardship to Sallie Mae in XX/XX/XXXX, I 'm not sure if I should take the suspension since I 'm still able to make payments, I 'm just wondering how often they 're going to change the interest rates. They told me that my only option was a temporary suspension of payments. In earlier months ( not sure when ) I was told to call XXXX, either way, I feel like I 'm being taken advantage of, please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: N.A.R., Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
we were on six month lease with the owner ( i do not recall his name ) and real property management Colorado, we received a call that the owner would be returning to the house that we were residing in and he would be moving in the following month. And we weren't allowed to renew the lease for that reason and had a month to clear out, our deposit was not returned to us. and we also replaced the stove while there because the original stove did not work, which i never got compisated for. i did not receive an answer. as i left when the lease terminate and i never received my deposit nor the {$800.00} for the stove.this account is on my credit report and is inaccurate, i called NAR XXXX XXXX ) at different times today to explain the situation but they did not answer. i need this account removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation