BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-08
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XXXX XXXX I made {$30.00} XXXX wire transfer to my dollar account in XXXX. I asked for dollars to be send. Despite all assurances that dollars will be sent the bank officer who was the branch manager by away, converted the dollars into XXXX currency charging XXXX XXXX  conversion fee and sent XXXX currency to XXXX. 
As a result instead of receiving XXXX dollars less {$25.00} fee by XXXX bank which is {$29.00} XXXX I received XXXX XXXX which is XXXX loss. 
During the transaction I noticed exchange rates on the receipt and I thought they not supposed to be there because this is XXXX XXXX dollar transaction .I asked the officer why they are there. She said " Oh dont worry about that. I 'm sending dollars .That is there only for information ''. As I later found out that was the exchange rate of the transaction because she was sending XXXX not dollars besides all assurances .And that was the branch manager of TD Bank XXXX XXXX XXXX XXXX in XXXX NJ XXXX XXXX XXXX XXXX 
She lied causing {$1800.00} loss on mu side. 
I made similar transaction in XXXX XXXX for XXXX XXXX dollars that was done correctly. 
The same banks, the same accounts.The one done in XXXX was XXXX XXXX dollar transaction, no exchange rates on the receipts, no mention about XXXX XXXX. 
I spoke to TD Bank customer service also XXXXThey said " they sorry, they understand, they can not help. '' that " I should go to another bank and ask. '' They happy with stolen XXXX dollars I think.They do not intend to fix the unauthorised money conversion.They do n't even admit to wrongdoing even thou I have the proof an a paper. They 're thieves.And fact that this was done by a branch manager, that is just disgrace.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-12
Company: Paypal Holdings, Inc
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:
Paypal holds a payment form a credit card ( visa ) illegally they said for security sake but it is easy cancell the payment or bring back the operation. 

I think thats illegally

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: Collins & Hilton Asset Group, LLC
State: WI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collins Asset Group has been sending info to someone with my same name. They sent her a certified letter XXXX/XXXX/XXXX and she tracked me down and sent me a copy of it. 
The letter claims that I owe XXXX XXXX XXXX for 2nd mortgage taken out in XXXX. That mortgage was paid off when I refinanced with XXXX XXXX so STOP TRYING TO SCAM PEOPLE! 

Even if it was owed - they are outside of the statute of limitations on collecting on a written contract! BUT IT 'S NOT OWED! I do n't even own that house and have n't in 7 years. 


Reference # on letter XXXX Collins Asset Group LLC XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: Insight Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX of Insight Management Partners XXXX XXXX ) keeps calling my mother, gives her specific information of why he is calling, that he is a debt collector, how much I owe, who I owe it to, when I last made a payment, and that if I don't respond to him they are filing suit against me. Most recent calls to her were on XX/XX/2020 and on XX/XX/2020. I do not share my personal business with my mother and they have no legal right to share this information with her. My mother and I do not live in the same state.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please see this date and accounts that are in inaccuracies : XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # 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 2019-04-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
in XXXX i saw a debt on my report that was not mine so i call portfolio recovery and ask portfolio recovery to validate the debt I all so shared with them that I share the same name as my dad, brother, and my son and that I would follow up with a letter I have sent three certified letters to ask for validating the debt 4 months later I have got no response but they call all the time they leave no message they call my phone and my mother phone although my letter state that all communications will be by mail. thank you for looking into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I discovered on XX/XX/2020 that money was being illegally transferred from my bank account. The transaction did not appear in the XXXX XXXX but was only present in my bank account statements. The transactions appeared on my account under the following name. The bank confirmed that it was a XXXX XXXX transaction number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA The individual took over XXXX from my bank account. Bank of America refuses to keep the claim open because of insufficient evidence despite that fact I have supported a police report and letter from the police recommending for me to contact the FBI, documentation of my case submitted to the FBI, and.copies of the emails with XXXX XXXX about the situation. 

Bank of America refuses to provide any information on their investigation the case or honor my appeals to keep the claim open. 

I have reached out to XXXX XXXX as well and they have been unresponsive. 

I have attached a password-protected PDF of all my documentation. The password is password is 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 2022-03-05
Company: JPMORGAN CHASE & CO.
State: NY
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:
On XX/XX/22, I ordered a {$200.00} gift card via Chase Bank by using the rewards points I had earned on my Chase Freedom Unlimited Credit Card. Though I received confirmation from Chase on XX/XX/22 that the gift card shipped, it was subsequently never delivered to me ( it was likely either lost or stolen while in transit ). I have contacted Chase customer service repeatedly in order to remedy this issue and receive a new card, including by calling their customer service agents 5 times. Though I was initially informed by a Chase agent that a replacement gift card would be sent to me, when I called back a week later to inquire about the gift cards status, I was told that the only action the agents can take is to escalate the case and that no more assistance could be provided to me. I have yet to receive the gift card that I paid with for my points over a month ago, and Chase has never reached out to me to inquire or attempt to resolve my issue. From my stance, I effectively bought an item from Chase, and Chase now refuses to provide me with my item, while holding onto the funds I used to purchase the item for 30+ days. I demand expedited delivery from my gift card, and I hope that bringing this matter to the attention of the CFPB will finally push Chase to resolve my issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-06
Company: I.C. System, 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:
In XXXX of XXXX, I contacted XXXX ( XXXX ) to provide internet services at my new address. With a XXXX agent, I initiated services via a phone conversation. Only when trying to activate the internet modem did XXXX XXXX services come up on my computer ( NOT XXXX ). In short, XXXX could not activate the internet modem as XXXX already had control of the line ( from a previous tenant ). At that point, I cancelled all services with XXXX. I then contacted XXXX to switch existing internet services. At no point did I have access or use XXXX internet services or receive any equipment from XXXX. 

In late XX/XX/XXXX, I received a bill from XXXX in the mail stating that I owed {$50.00}. There was not line item to justify this billing amount, or explanation for why they stated that I needed to pay them {$50.00}. I immediately contacted XXXX, who apologized and issued me a credit. I never received an explanation for why I was billed for {$50.00}. I told them that this was fraud to bill me when I never received or used services and the bill contained no line item expense for the {$50.00} amount. I received a {$50.00} account credit ( proof via e-mail ). 

In early XX/XX/XXXX, I received a bill from I.C. Systems ( a debt collector ) informing me that they were attempting to collect a {$50.00} debt on behalf of XXXX. This statement told me that I had a " Total amount of the debt now : {$50.00} '' I am being fraudulently billed and harassed by XXXX ( XXXX ) and/or its agents. I ask for the CFPB 's help dealing with this matter, as a debt collector has contacted me.

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 2017-12-28
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Issues : 1. I disputed my debt according to 15 U.S.C. sec. 1692g ( b ). But the servicer ( XXXX XXXX XXXX XXXX ) ignored my dispute letter. They did not verify the debt. Nor did they cease collection of the debt. 

2. I am confused as to who holds the loan and who is servicing the loan. In XXXX XXXX I received letters from both Navient and XXXX XXXX XXXX XXXX ( hereafter " XXXX '' ). Both claimed to be servicing the loans. I 'm now receiving calls from General Revenue Corporation. 

3. I 've received conflicting daily interest rates. My rate with Navient is {$8.00}. My rate with XXXX is {$8.00}. 

4. I have not received important information from Navient. I requested a copy of my original agreement with the lender. Navient has sent my XXXX application but it does not show the amount of the loans. I also requested a copy of the final account statement from the original creditor and a breakdown of any collection costs. Navient ignored my requests. 

5. I have requested that the U.S. Department of Education review my account. Nevertheless, XXXX XXXX XXXX continues its collection efforts while the review is pending. 

6. Although I have been communicating with Navient, XXXX XXXX XXXX has called at least two of my acquaintances. XXXX XXXX XXXX knows my address and phone number. Therefore, the calls serve no purpose other than harassment. 

All pertinent documentation is attached.

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 2019-05-12
Company: BARCLAYS BANK DELAWARE
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Dear Barclaycard I received two letters from your company dated XX/XX/XXXX claiming that you never got my payments Those payments was mail Two weeks ago I enclosed a check from my XXXX XXXX checking account Check Numbers XXXX and XXXX I enclosed the account Number XXXX and account # XXXX I'm not sure as to why you saying you haven't got them! Since the account was closed I do not have a way to make payments On Lines could you please check your records and verify that I enclosed the correct account numbers for the accounts also if you could please send me a copy of the full account numbers for both card as I know longer have the cards to verify the account number I'm sorry for any inconvenience this may have caused I will be more than happy to call into your payment line and submit another payment But I know it was mailed 2 weeks ago today

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 2019-06-24
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:
XXXX bill payment services processes the bill payment services for my credit union. On XX/XX/2018 XXXX issued 2 checks for XXXX XXXX XXXX XXXX XXXX  Check 1 Payee : XXXX XXXX XXXX XXXX XXXX Amount : {$260.00} Cleared : XX/XX/18 XXXX Case # XXXX Check 2 Payee : XXXX XXXX XXXX XXXX XXXX Amount : {$230.00} Cleared : XX/XX/18 XXXX Case # XXXX The checks were delivered to wrong person and cashed by the wrong person at a Bank of America branch. The canceled check images show that the following endorsement stamp information : Wrong Payee : XXXX XXXX XXXX XXXX confirmed the that correct payee did not receive the checks. They attempted to contact XXXX XXXX XXXX but were only able to leave voice mails with no response. XXXX submitted a request to Bank of America for a credit return in XXXX XXXX. 

During monthly updates from XXXX, I have been told that Bank of America just doesn't see the charge return request of {$500.00} big enough to bother with. 

I need Bank of America to recover the funds deposited into the wrong payee and return the funds.

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 2018-10-03
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Per federal regulations, any debt exceeding 7 year-old can not show up on the consumer 's credit report. The debt in question is over 7 years-old. Debt Recovery Solutions is falsifying records and stating the debt was establish as of XX/XX/2018 on my credit report. This is a false statement and against the law to falsifying records. This company is engaging illegal collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
In XXXX of XXXX, my husband and I filed a Debt Management Plan with XXXX XXXX XXXX and XXXX XXXX was listed. XXXX XXXX was contacted by XXXX XXXX XXXX and made aware of the plan.XXXX XXXX was paid the full amount of payment each month. In XX/XX/XXXX we were asked to come into the office to sign papers from XXXX XXXX home office concerning the XXXX. The office manager stated that the checks XXXX with held until these papers came, I asked why and told her " you can't do that '' she then assured me that they would be credited to the account and it would be ok. I read over the paper and me and my husband sign the papers. XXXX XXXX XXXX made the payments every month and was never late, we were then able to add extra money to the payments which helped us pay off the account the loan quicker the loan was paid off in XXXX of XXXX. After after checking my credit report I saw that XXXX XXXX had marked our payments XXXX XXXX and XXXX days late and that was the months the manager withheld the payment checks and the other checks that came in every month were all marked XXXX days late under the law a payment has to be an actual XXXX-day late, XXXX XXXX was aware of the debt management plan from the very beginning they were aware how the payments were going to be made and they were paid in full never XXXX days late and they kept coming up with excuses, it took me a long hard time to get even a letter from XXXX XXXX to say that the account was paid and closed. I called and tried to get this corrected XXXX XXXX refused to make the corrections to the credit reports of mine and my husband 's I would get excuses as that was between me and the credit bureaus I was also told that " well we thought you were coming in in person to pay it '' and I also would get excuses about how the mail was messed up. I charge that XXXX XXXX knowingly falsely and willingly damaged mine and my husband 's credit reports and will seek damages in court

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 2022-03-06
Company: Experian Information Solutions Inc.
State: NY
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 XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX vacation Account # XXXX, and credit control corpAccount # XXXX 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 an 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 explanation
Consumer complaint received 2017-11-08
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working with Bayview Loan Servicing for 7 months to do a deed-in-lieu on a mortgage i 'm in default in. 

Their most recent reason for the delay is, after asking me, " do you have any liens on your home? '' My response is now yes. Up until two weeks ago, there were no liens on the property. As a result of Bayview draging their feet and failing to respond to request for information for months, my HOA has now placed a lien on my home and says they will be foreclosing on it soon. 

I 've contacted XXXX XXXX and made another good-faith attempt to resolve the lien but ca n't get him to respond in writing. 

I have the money to resolve the {$10000.00} HOA lien but do n't want to resolve it until Bayview says they are willing to move forward with the DIL process. 

They say that they need to " verify my income. '' I 've sent them the same paystubs and bank statement for 7 months. They are consistent and rarely fluctuate. 

They 've endlessly asked for the same paperwork over and over. 

I have plenty of evidence to support that WHEN Bayview actually request information, I usually respond within 24 hours. If I ask for information from them it take weeks and up to a month for them to respond. 

Additionally, I am hearing and speech impaired. They 've refused to make reasonable accommodations as outlined in the Americans with Disabilities act and allow me to communicate via email for for efficient service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX XXXX failed to time and properly apply requested Covid 19 arrangement for XX/XX/2020 They were contacted phone and through law firm request for 3 months They have engaged in deceptive business practices and marked this account as late as well as assessed additional fees for which they stated would not be assessed. 

They have repeatedly advised they weee Correcting which is the only reason I chose to do a new loan with them. They over charged my on new auto loan despite their repeated guarantees the other loan was being corrected to date it was not corrected and has cost me thousands in tradelines and credit limits as well as excessive interest on current auto loan

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 2017-11-08
Company: Flagstar Bank, N.A.
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a mortgage with Flagstar bank. In XX/XX/XXXX they increased my payment by about {$40.00} per month, But did not inform me of this until XX/XX/XXXX. I found out by them returning the payments I had made of the amount i believed was correct and adding a ton of fees ( now owing over {$8000.00} ) and threatening foreclosure. I tried many times and many ways to work with them, their loss mitigation and their lawyers. I just received the run around and more foreclosure notices, As they kept saying they were n't receiving enough info even though I resent and had proof they ( all 3 parties ) would tell me do n't worry you have time. Then I had a sale notice on my door for all the neighbors to see. Then in XX/XX/XXXX ( yes only a month since this all began not much time is it? ) and their fees and charges are unreasonable for me to pay and still no answers and just extremely rude if they did respond. I was forced to file chapter 13 bankruptcy just to keep my home. That went through on XXXX ok all good right?? No they are still not accepting payments from trustee adding a ton of fees and now threatening foreclosure again sending bills and letters every week this has put me and my family through so much mental and financial stress its been a year of them harassing for which I believe was their mistake.

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