BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-20
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a security purchase on XX/XX/XXXX using my chase Checking account I was alerted on XX/XX/XXXX that the payment was declined by Chase due to insufficient funds. I immediately got concerned and called Chase. 

Chase had issued a Court Ordered " Hold '' on my account for {$12000.00}. They also mistakenly " debited '' {$12000.00} out of my checking account. They agreed the total amount was {$12000.00} and that they mistakenly tied up {$24000.00} causing the stop payment for insufficient funds. 

The Brokerage now has fined me for failing to settle the transaction, not to mention {$1600.00} in lost gains and they closed my account. 

I spent hours on the phone with various Chase customer service representatives and Court Order and Levies representatives. They admitted to the problem and said they would reissue the payment for the securities within 24 hours. 

Fast forward to XX/XX/XXXX, and Chase has completely changed their story saying there is nothing they can do, the payment can not be resubmitted. 

I am extremely troubled by the lack of sound information coming from various Chase representatives. I 've spent hours on the phone with Chase, and I got 3 different answers when talking to 3 different reps. The latest call was ended after the rep told me there is nothing more they can do and she hung up ( XXXX XXXX - XXXX ) I have been a Chase customer for almost 20 years and this is the last straw. I am going to start closing accounts and moving business elsewhere. Somewhere that can service the customers it has. These banks are becoming too big for their own good and it shows. They hide behind phone calls and there is ZERO accountability. Everyone operated behind a phone and computer and no one actually cares when the customer gets burned. 

Between XXXX XXXX and Chase, they cant get out of their own way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had a XXXX of a spouse. With all the transactions regarding the XXXX XXXX, I notices unauthorized withdrawls with my card still on me, using my PIN and RFID. TD Bank refuses to help even with police report and report from work showing I was at work during these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am having an issue with my mortgage loan # XXXX, serviced by SLS XXXX Specialized Loan Servicing LLC : XXXX ID Main Office XXXX. This loan has been on a Forbearance Plan since XX/XX/2020 due to adverse impact COVID-19 had on my business. I have had two 3 month extensions of the plan, however my most recent request in XXXX to extend it past the current end date of XXXX has not been responded to by SLS. I have been requesting a response weekly for over a month now w/no luck - SLS keeps saying we will look into it. My business is still impacted by COVID and I'm not able to resume payments and I have requested they grant me an extension since I still have 4 months left of the total 18 months allowed by law. What's worse is that they keep calling me day and to let me know that my loan is past due even though when I log in online ( see attached ), the loan shows still in forbearance but the date still XXXX!! This is nothing but harassment! Please help me avoid foreclosure! Thank you!

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 2018-01-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent a letter to Portfolio Recovery requesting that they validate NOT verify a debt that they are trying to collect from me. I specifically asked for a signed agreement and other supporting documentation, They provided me with billing statements which does not prove that I am obligated to pay them anything. They have called me saying they will get a judgment against me if I can not settle the debt. They have reported delinquent information to the credit bureau that I am asking to be deleted as well and to stop all collecting activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA
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 Recently looked at my credit report It has come to my attention that ( XXXX XXXX XXXX, and FAIR COLLECTIONS & OUT ) has acquired and shared my information to other companies without my written permission. According to 15 USC 1681b - Permissible purposes of consumer reports, any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. This is also a violation of 15 USC 1681 ( a ) ( 4 ) Infringed Upon a Consumers Right to Privacy.

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 2018-01-20
Company: Skrill USA, Inc.
State: ND
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello, This complaint is concerning the practices of Skrill which is an online way to send payments over the web much like XXXX 

I set up a Skrill account on XX/XX/XXXX and added funds via credit card which it linked to my joint bank account with my husband. 

I added funds and purchased b itcoins from XXXX website which the person provids an email address for their Skrill account and funds are transferred. That transaction went fine. 

On XX/XX/XXXX I made two uploads to Skrill from my linked credit cards on their site. The funds uploaded fine but when attempting a {$120.00} transaction sending to an email address I received a message advising to contact Skrill as there is an issue with my account. 

I emailed them and they advised restrictions have been placed on my account and I needed to provide answers to what I was using my Skrill account for and who I was sending money too and also wanted a credit card statement for card used to add money to my account. 

I responded back with details of my transaction, etc. and explained that my credit card is linked to my bank account and I do not get a statement like a normal credit card. I provided a screenshot of my bank account that shows their debits via the card. 

I received a canned message back from them advising they need a credit card statement. It is apparent that no one really reads the emails sent to them and just sends a canned response asking for the info you can not provide. 

After researching I read online the numerous complaints of Skrills practices of allowing funds to be added to your account but then " restrictions '' put on the account which keeps you from doing anything with your money. Eventually hoping you give up or the funds are eaten away by their fees for inactivity etc. 

The main complaint I have is that if they decided to restrict my account and question my very first transaction sent out which they wanted details of ... why allow the person to add money to their account? I had no clue of the restriction until I uploaded more funds and tried making a second transaction. 

At this point I just want my {$120.00} refunded and my account closed. I think that Skrill is deceptive in allowing funds to be added and then holding your money hostage while saying they need additional documentation that you can not provide regarding previous transactions. I believe this a scam that they try to pass off as security measures so you have no recourse to get your funds. 


Any assistance would by greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
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: Account status incorrect

Complaint:
I am filing CFPB complaint because the bureaus have not properly provided a reasonable response when I sent them a dispute via certified mail the DISPUTED ACCOUNT CHILD SUPPORT XXXX {$18000.00} Account XXXX Closed. I have asked them to validation, is account in collection, is it late or is it open or closed. Based on all the reports the account is not late and is closed. Why are they reporting otherwise. Additionally, my child is an adult and I am still helping him out. Please provide what right they have to collect under the fair credit and billing act? 

3 facts ( Transunion and XXXX report show different account name and balance ; XXXX report show different account name, balance and closed ). XXXX, Transunion and XXXX have violated my right under the FCR, FTC and Fair credit and billing act by inaccurate reporting on my XXXX and XXXX credit report. XXXX has a different account number and different account balance as shown here ( DISPUTED ACCOUNT CHILD SUPPORT XXXX {$18000.00} Account XXXX Closed ) while XXXX reported something totally different as show here ( CHILD SUPPORT Account Number XXXX XXXX Reported Balance {$18000.00} ). For your reference this case has been closed so why is it still on my credit report. Because of this inaccurate reporting you have hampered my financial future in obtaining financial readiness. Please delete this immediately. ) As a father, I take this seriously. My child is XXXX yrs of age and I am still paying {$200.00} per month to help my children. By law I know all information on the credit report must be 100 % accurate, with no errors and must be verifiable. I know these information are not correct. Please delete this immediately. I am currently working with CFPB to request their assistance in this matter. I wish to see the original sources of the information reported including, but not limited to, the original contract or agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. I have requested the XXXX and XXXX to correct their mistake. I have attached XXXX and XXXX reports to show the discrepancies.

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 2018-01-20
Company: Alliance One, Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing about the money which you are claiming on the above account. I can confirm that I am unable to pay the money which I owe in full. However, I can raise {$900.00} and I want to offer this as full and final settlement of the account. I am making this offer on the clear understanding that, if you accept it, neither you nor any associate company will take any other action to collect or enforce this debt in any way and that I will be released from any liability. If you accept this offer, please confirm that you will mark my credit reference agency file to show that the above account has been paid and closed. I can pay the amount I have offered within of receiving your written agreement of this offer with installment payments of {$10.00} a month until it is paid in full. Please give me details of how I can pay. I look forward to hearing from you. Yours faithfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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 contacted all 3 credit report agency 's and informed them I was a victim of their " inquiry issue ''. And needed all of the credit inquiries taken off all 3 credit reports. They did not seem interested and pawn me off. I'm one of the real victims and not some person. Just trying to hack my credit report. Thanks for any help that can be given

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: JPMORGAN CHASE & CO.
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 contacted all 3 credit report agency 's and informed them I was a victim of their " inquiry issue ''. And needed all of the credit inquiries taken off all 3 credit reports. They did not seem interested and pawn me off. I 'm one of the real victims and not some person. Just trying to hack my credit report. Thanks for any help that can be given

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: BB&T CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
My wife and I received a refund check from the IRS. Today, XX/XX/2017 AT XXXX XXXX I attempted to cash at our local BBT ( XXXX XXXX XXXX, XXXX, GA XXXX ). The teller, who identified herself as XXXX, refused to cash the check because my wife was not present and her name was not on the account. I asked to speak to the manager about cashing the check, and was told no manager was in for me to speak with. 
My wife 's name is not on the account because we tried to place her name on the account, but as her immigration status is pending ( she is legal and in the process of establishing permanent naturalization ) the bank refused to put her name on our account. My wife was not with me because she is the mother of XXXX young children, XXXX XXXX XXXX XXXX XXXX, and can not drop taking care of our children to hop in the car with me. 
I would have less of an issue with this, except for the fact BBT has cashed checks ( including from the IRS ) made out to myself and my wife in the past with no issue as long as my wife has endorsed the check ( this check was endorsed by my wife ). They deposited to my account and then gave me the cash back. 
For a resolution-please cash the check my wife has endorsed, even if it is just me in the drive through! I am happy to bring my wife 's driver 's license or paperwork, but it is difficult for us both to leave the house, put the kids in the car, simply to cash a check.

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 2018-01-20
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed three medical debts with Transworld System that are according to my credit report, over five years old and reporting as collections accounts. These are the only collection accounts I have and wsnt them to be removed. The collection agency has not responded with validation, these are not my debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: BB&T CORPORATION
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 contacted all 3 credit report agency 's and informed them I was a victim of their " inquiry issue ''. And needed all of the credit inquiries taken off all 3 credit reports. They did not seem interested and pawn me off. I 'm one of the real victims and not some person. Just trying to hack my credit report. Thanks for any help that can be given

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 2018-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Dear CFPB, the payment on my Capital One credit card ending in XXXX was due on XX/XX/2018. I paid it the day it was due XX/XX/2018. As shown in the attachments. 
I was charged a late fee. 
Request to refund the late fee as well as minimum interest charge that was accrued on the the late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: EQUIFAX, INC.
State: PA
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 have desperately tried to get help with this account but this company they are continuing to report information on my credit wrong XXXX XXXX Account Number XXXX this item is reporting incomplete the account status is missing and inaccurate the balance is higher than the high balance, XXXX XXXX XXXX XXXX XXXX Account Number XXXX this account is reporting inaccurate the balance is higher than the high balance, XXXX XXXX XXXX Account Number XXXX this item is reporting incomplete the account status is missing and inaccurate the balance is higher than the high balance,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: Mercedes Benz Financial Services
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Made a payment to Mercedes Benz Financial over the phone on time ; however, Mercedes Benz posted the payment late then sent my information to the Credit Bureau as a late-delinquent payment frivolously.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My debit card was skimmed somewhere in XXXX Florida, I had contacted the bank when I noticed the activity, but they were quick to only take 3 of the charges, I had to complain and have them do the rest of them, now in mean time i overhear the same thing with a neighbor how there card has been used and it was also still in her purse, so we both got talking and come to find out a machine at the bank had a skimmer on it, which allowed them to obtain our information, the bank refused to give my money back and has taken off the contact option online for me to deal with them, under my aggreement they are liable for that and the other claims and yet are very quick to deny any fault, but when two months before I hit the wrong pin code they locked my card and gave me nothing but a hastle, and also at that time i changed my address which they did not do as well all this activity was not my spending habits, and they said that they do not have to contact me for anything and declined to pay my money back, this is unjust Bank of America is really bullying everyone

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 2018-01-20
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I logged into my Huntington bank account. I scheduled a " bank-to-bank '' transfer of {$2500.00} from my Huntington checking account to my XXXX XXXX account. Both of these accounts are in my name and appear identically on each corresponding statements. 

However, the transfer never arrived at my XXXX XXXX account. I contacted Huntington 's customer service over the phone and they said that they could not provide any more information over the phone and that I would have to come into a branch. 

Soon after, I noticed a deposit hit my Huntington bank account of {$2500.00} on XX/XX/XXXX, but it was on hold. I called customer service again and asked why it was on hold and they directed me to visit a branch. So, I visited a Huntington branch located at XXXX XXXX XXXX  XXXX, XXXX, OH XXXX. I spoke to a banker about the deposit hold and the transfer issue. I explained the situation noting that I input all of the information on Huntington 's website and I did n't understand why the transfer did not go through and even further why there was a hold on its return. The banker called another department of the bank while I was sitting there and inquired with me. She was notified on the phone that the transfer issue was due to names not matching on my Huntington account and XXXX account. I provided her a statement from my XXXX XXXX account that I was trying to send the transfer to and she agreed that my name did match exactly on both accounts. She said, after speaking further with the other department, that the issue would be resolved automatically and the hold on the deposit would be removed within a week. 

However, two weeks passed and the {$2500.00} deposit was still on hold. I called again and chatted online with representatives multiple times over the course of nearly three months and each time was told that no further information could be provided about the hold and that there was no estimate to when the issue would be resolved. It is now XX/XX/XXXX and the deposit is still on hold and I 've received no further information. It has been far too long at what originally was a very simple mistake on Huntington 's part by both my account and the banker I met with. I hope this issue can be resolved in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: P&B Capital Group, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Harassing phone calls asking for me and giving out my SSI # There are other people in next to the one calling and they are laughing in the background, if you do n't do anything to stop them I will contact my lawyer, the name of the company is P & B Capital group there has been over 50 lawsuits and still nothing has been done to stop the calls. What are you going to do about it? Call keep coming in few times per week last call on XXXX.18 at XXXX est.

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