BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-12
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/XXXX XXXX called my job requesting a payment I ( XXXX XXXX ) explain to him I did n't have it at the time he then proceed to ask me about my husband acct stating that he was past due and needed a payment as well. I told him I would give him he message he said why you ca n't pay it he paid yours. I told him that 's not my loan and he should not be discussing his info with me. On XX/XX/XXXX I receive another call at from Tower Loan he said his name was XXXX demanding a payment I told him I spoke w/XXXX on yesterday and explain I want have the money till the XX/XX/XXXX. XXXX  said we need it before then I told him I understand but I do n't have the funds right now but I would try my best to get in but I know for sure I would have it on the XX/XX/XXXX. So as I promise the payment was paid by the XX/XX/XXXX. On the XX/XX/XXXX I  called Tower Loan on XXXX XXXX XXXX XXXX XXXX MS XXXX and spoke with XXXX to let him know I would be in on the XX/XX/XXXX of this mth to make a payment he then proceeding to say that is to late we need a payment by the XX/XX/XXXX and then he asked why my husband have n't paid on his acct I told him that he was inviolation of his privacy and should n't be discussing his acct with me he response was your his wife it do n't matter I told him it does matter and not to discuss his business. On the same date XXXX visited my home and left a collection letter on our vehicle and door after speaking with me on the phone earlier that day.On the XX/XX/XXXX XXXX called me at work about payment again I told him I told you I want have it till the XX/XX/XXXX he stated if you going to have It on the XX/XX/XXXX you have it now I asked him if I could call him back he said no I said I have a customer and hung the phone up customer .XXXX called my job right back and said we need that payment today I said do n't call me at work any more I am busy and hung up the phone XXXX called right back and asked an employee for the garnishment number which was given to him. Then XXXX called back again to try to speak with me and I disconnected the phone call. I have been harassed constanly on my job and my home my privacy has been violated and I have been threaten. The employees at Tower Loan XXXX XXXX XXXX XXXX XXXX MS XXXX are rude disrespectful not to mention very unprofessional .They have embarrassed me on my job with multiple calls after been asked several time not to contact me at wrk.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: LoanCare, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed my escrow account effective XX/XX/XXXX. 

The mortgage company, LOANCARE, re-opened my escrow account, on XX/XX/XXXX without my consent, request or approval and advanced {$1900.00} of funds to pay for a home insurance policy that had already been paid. ( I paid for the home insurance with my own credit card on XX/XX/XXXX ). 

To correct the issue, I called them, I explained that I did not need an escrow advance since I had already paid for my insurance. They advised to make a payment through the portal for the amount they advanced and call them after I make the payment to have it applied towards the escrow. I made the payment using their portal, on XX/XX/XXXX for {$1900.00} to cover the escrow shortage and requested again that they close the escrow they opened for me. 

Instead of covering the escrow shortage, they applied the funds I sent to my principle and won't get it resolved despite XXXX phone calls and XXXX requests submitted via their portal regarding the misapplied funds. The only change they made, after repeated efforts to get this corrected, is they applied a portion of the payment to the mortgage payment and left a portion in the principle, but still no funds were applied to the escrow shortage as I had requested. 

With re-opening the escrow account on my behalf, they have now also increased my mortgage payments which now include an escrow portion. 

It was extremely difficult to have the escrow account closed last year, it took several written requests and supervisors involved. And now they re-opened it. 

It seems they are trying to trick customers into retaining their escrow accounts and will completely ignore escrow closure requests. 

Thank you for your help in reviewing their practices. 

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 2021-12-08
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Around 8 days ago I went into a XX/XX/11 and made a cash deposit of around {$310.00} dollars i put this cash on my chime card. Later on that day I tried to use my card and the transaction was declined. I tried to get online to view my account balance and my online access was declined. I called chime and the representative stated that my account access was frozen until further investigation. I asked what was being investigated and they stated a transfer from XXXX XXXX that was declined and they asked if i initiated this transfer and i stated " yes '' i initiated the transfer of funds prior to the XXXX XXXX account being closed and I was unable to unlink the XXXX XXXX account from the chime account due to my chime online access being denied. They stated all they needed was my 1. I.D 2. UTILITY BILL OR SOMETHING OF THE SORT WITH MY NAME AND ADDRESS ON IT 3. THEY NEEDED VERIFICATION THAT I WAS IN FACT THE XXXX XXXX ACCOUNT HOLDER AND I GAVE ALL THE ITEMS REQUESTED I EVEN WENT INTO THE XXXX XXXX BRANCH WITH THE BRANCH MANAGER BY MY SIDE TO CONFIRM I AM THE ACCOUNT HOLDER AND CHIME STILL REFUSES TO RELEASE MY MONEY ITS BEEN 8 TO 12 DAYS NOW AND I CALLED BACK CHIME TO CONFIRM THAT EVERYTHING WAS RECEIVED THEY SAID YES WHY ARE THEY STILL HOLDING MY MONEY WITHOUT ME BEING ABLE TO ACCESS ONLINE OR THRU ATM. PLEASE HELP. THIS IS NOT FRAUD I AM A SINGLE PARENT. I AM A TAXPAPER. I AM AN HONEST HARD WORKING CITIZEN OF THE U.S. AND I DON'T UNDERSTAND HOW A COMPANY CAN OPERATE WITH SO MANY COMPLAINTS ONLINE I KNOW XXXX OTHER PEOPLE THAT HAVE THE SAME ISSUE. ALL THE ITEMS ARE PROVIDED AND CONFIRMED RECEIPT HOWEVER FUNDS ARE STILL FROZEN AND I HAVE BILLS TO PAY. PLEASE HELP! CHIME MUST BE STOPPED!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX a total of {$380.00} was taken from my account via ATM. I immediately contacted Capital One 360 and let them know I did not partake in this withdraw and that I did not have my card at hand. They initiated a credit for the mishap four days later and issued me a new card. On XXXX XXXX they reversed the credit dispute and charged my account for the {$380.00}, putting the account in negative. I reached back out to the bank questioning the actions, and they instructed me to contact XXXX where the incident happened. Connected with XXXX in regards to the issue, and since they do not own the ATM within their store they said it is up to my bank to issue the reimbursement. Fast forwarding to now, they are still not honoring the dispute, and my account is still negative to this day X/XX/2018. I have recently transferred {$40.00} from my savings to that account .... accidentally. Doing so brought the balance to $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Early Warning Services, LLC
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Zelle offers no reversal or protections against scams. The tool is marketed as a safe way to send money, but the reality is the opposite. It offers no protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I initiated an external account transfer for {$1500.00} within the Bank of America Prepaid App. I have used this account a few times over the last decade, since the Employment Development Department here in California requires that all claims are paid to a specific type of prepaid Bank of America Account ONLY. My first time using my account was XX/XX/XXXX ; I enrolled in XXXX XXXX XXXX  through the XXXX department of the EDD when my daughter was born. It was during my first enrollment that I had used a XXXX XXXX Checking account as the linked external account, solely for the purpose of being able to transfer and access my funds. When I transferred money XX/XX/XXXX, the Bank of America system reverted my then-recently updated XXXX XXXX  Account back to XXXX XXXX, and it transferred the money with just one click ( it didnt allow me to review the details at all ; it didnt even ask me to confirm the request. It just sent it, and luckily I noticed the last 4 digits of the account were NOT correct. I called BofA immediately, and was told wait a few days and the money should come back to the account. Well, the money never showed back up. I finally filed a real complaint XX/XX/XXXX and it has been more than 30-45 business days that I was told was needed for the claim investigation. I also requested a copy of the investigation file, since I have never received any correspondence whatsoever in any format from Bank of America, either electronically or standard mail, and I needed some peace of mind. The last time I spoke with someone from BofA, I was told that the funds would be returned to me in just a couple days. Help!!! I want my money back!!!

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 2018-01-13
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is a debt from an XXXX XXXX XXXX Credit card that I was offered when I did not know anything about managing credit. I was young and was not educated on debt and how to effectively manage it. I was n't aware of a way to dispute this or make payment arrangements before the account was put into collections. If I was afforded the opportunity to resolve this correctly, I would not currently have this blemish on my credit report. I 've always been scared of the negative effects credit could have if you were not responsible. Now that I am XXXX, I understand finances and how to acquire and maintain great credit. I currently have a care note, and multiple credit cards with zero late payments and very low card utilization. I 'm currently asking for forgiveness of this debt, and that it be removed from my credit report due to missed communications between XXXX and I and how I do not have a history of negative credit card debt on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have sent a letter a letter to Equifax disputing a PO Box address on my account that does not belong to me. I have also forwarded them a copy of my Drivers License that shows my correct home and mailing address. They have refuses to remove the address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: EQUIFAX, INC.
State: GA
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:
Have violated my rights. 
15 U.S.C. 1681e ( b ) for failing to follow reasonable procedures to assure accuracy, under 15 U.S.C. 1681i for negligently reinvestigating or correcting disputed information, and under 15 U.S.C. 1681k for failing to provide notice to him of information reported about him to third parties violated the FCRA by failing to follow reasonable procedures to assure maximum possible accuracy when preparing a consumer report ( 15 U.S.C. Sec. 1681e ( b ) ) and by failing to conduct a reasonable reinvestigation of my dispute ( 15 U.S.C. Sec. 1681i ( a ) ). 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: Colony Brands, Inc.
State: GA
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 initially began disputing this account with each of the credit bureaus in XX/XX/XXXX. The responses from the bureaus reflected that this account entry was verified. I sent XXXX 's a letter ( see attached ) in XX/XX/XXXX, requesting that they investigate this account. My formal request included informing them that each of the 3 bureau reflected a different charge off date. This was the first inaccuracy. Additionally, I requested that they submit a payment history of the account as well as the accounting ledger they maintained that reflects all payments made. Too, this would verify that the amount alleged as owed is indeed accurate and more importantly, it would reflect when this account was charged off as well as if XXXX 's wrote the account off as a profit and loss. 

I received documentation from XXXX 's dated XX/XX/XXXX ( see attached ) which was over a year old from when I actually submitted a dispute. How then was this company able to send me a letter dated for XX/XX/XXXX when my initial dispute to them was in XX/XX/XXXX? As reflected on the letter, XXXX XXXX ( as signed ) stated this response she provided was based on my inquiry, yet as I have mentioned, I only requested this information in XX/XX/XXXX. It appears this letter is backdated in order for them to cover up the fact that they are violating my consumer rights. Included within this letter was a check dated for XX/XX/XXXX. If this was the only payment made, then why did they not provide me a clear registry that reflects this. Also, they again did NOT honor my request to prove that the balance they are alleging I owe is accurate, timely and verifiable. 

What is the actual charge off date? Where are the summaries of payment history for this account? What does the general ledger account reflect for this account? All of this requested information should be housed with XXXX 's and provided to me upon request. It 's obvious this company can not substantiate their reporting as the FDCPA outlines as well as the FCRA ; therefore, this entry must be DELETED!

Company response to consumer: Untimely response
Consumer complaint received 2018-01-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have applied for loss mitigation through our mortgage servicer, XXXX, but are continuously denied because, 'the investor does not do modifications '. We got our loan in XX/XX/XXXX and have been trying to get help since XX/XX/XXXX when the HAMP program was still available. This is a conventional loan given by a public lending institution who was legally responsible for providing mortgage assistance to qualifying homeowners. We qualify as we want to keep the home, had a reduction in income due to sickness, and now are on fixed income. We can afford our mortgage but simply need help to get current. Instead the investor who is XXXX XXXX XXXX XXXX ( Investor Code XXXX ) and XXXX want to ignore the federal laws and illegally take our home from us. Please help!

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 2019-02-10
Company: Stern & Stern. P.C.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Back in XXXX I wasnt able to work leaving me in debt with all of my creditors, one being XXXX XXXX XXXX. During that time I was honest with all my creditors, I let them know I wasnt able to pay my debt because I was out of work. Even after I express that to XXXX they would call me every day threating to sue me. Fast foward to XXXX XXXX, here I am contacting all my creditors to pay my debts ; XXXX sold my debt to a collection agency who then sold it to stern adn stern pc. I contacted Stern and stern pc to pay my debt I reached the woman who was calling and threaten me before. I asked her for information on my debt this woman told me I owe XXXX $ I advised her that my debt with XXXX was only XXXX . She insisted that my debt was XXXX $ and she can go as low as XXXX. I then asked for information on the debt and why it was that much she refused to stend me information. I know my rights as a consumer so I reached out to XXXX and advised them the issue. XXXX is still report to my credit report through they sold the debt and this collections agencies isn't sending my information of the debt that I was trying to resolve. After speaking to the collection agency 5 businessday came and went and I never received infomation on my debt 1st violation. Now here we are XXXX XXXX I get a letter of garnishment dated after my disputed and investagation againist them giving me 20 days before they garnish my wages. That is violation # 2 this creditor filed to garnish my wages on an incorrect amount with no proof given to me or notices with the attemps to collect or even any information about the debt amount. Violation # 3 I filed a dispute this creditor is not allow to proceed with debt collecting activity while a dispute and investigation is taking place

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I went to cosign for my mom a car and was denied due to accounts on my credit that are not mine and dont know anything about. This is really a crazy because Im confused how this could happen. I thought maybe the dealership was just giving me a hard time so I went to my bank to apply for a personal loan because I knew they would be honest unlike some car dealerships. I was also denied there as well. I'm doing this on my own behalf and i contacted my ftc and police department. Please remove these items that are not mine. XXXX XXXX, XXXX XXXX/XXXX XXXX XXXX, XXXX/XXXX XXXX/XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX/XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  and 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 non-monetary relief
Consumer complaint received 2021-12-08
Company: EQUIFAX, INC.
State: MO
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:
Equifax uses bogus information in their questioner to identify users for accessing their online file and has for many years. The claimed accounts and amounts they use as questioners have nothing to go with the account holders in question. ( Example : never had student loans or car loans ) Mine, my wife, friends and family have all confirmed this bogus questioning for years. 
They deny online access and demand jeopardizing ones personal identity by requiring personal information sent through a antedated ground mail system that losses mail or is easily pilfered for information. 
I have even went through the call in process and was given the same bogus varication questions that had nothing to do with my file now or ever. Only to be told to follow the written process sending in documents. 
In short they are denying peoples free online credit report by requiring answers to questions that aren't in the persons credit report or even related to the person in order to force people to mail in copies of government documents and personal paperwork. At this stage they will still deny the report asking for even more copies of government documents and personal paperwork delaying the access to ones credit report by weeks, months or by needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hi I hope everything is good. I sent you a letter over a month ago it was dated XX/XX/2021 and I was expecting to get a letter or notification regarding this but I haven't. i was told to go to this website to reach out to you and request to check my letters. I need those errors to be fixed as soon as possible so please do investigate and remove that inaccurate and misleading information immediately.

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 2020-05-05
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
COVID-19 arrived. 

I wrote a nice letter to AMEX, in XXXX of 2020, requesting a 3-month forbearance of payments, interest, and late fees, on my Hilton Honors credit card. 

They are still charging my account for payments and interest.

Company response to consumer: Closed with explanation