BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-19
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2021, I submitted a Cashier 's Check ( $ XXXX ) to payoff the debt with BMO Harris and yet to receive a Lien Release Letter. I've reached out through email in XX/XX/2021 and received an apology and promise to resolve matter. Now we are in XX/XX/2021 and no resolution. 

After learning that the lien is on my property 's title on XX/XX/2021, I called Harris bank to inquiry on the matter. It went from you owe us money to we will have a letter to you in 72 hours and promise to escalate the process. After 72 hours has gone by, I haven't received the letter, constant back and forward with phone representative, then I decided to go speak with a branch manager, which didn't get me the letter that I requested. Only explained that the letter is at recorder 's of deeds. Contacted Recorders of Deed, nothing is found. Today, I'm being told that its going to take 10 weeks to get the letter of release. 
This type of action is unacceptable and has caused an inconvenience. They make promise and don't follow through. The fact of the matter, I sent the payment back in XXXX and I am getting the running around to get the required document that should have been in the system, if it take 10 weeks. Just for Harris Bank neglecting to process my payment in adequate amount of time this lean release letter should be in my hands today. 
I need help getting this matter resolve 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 explanation
Consumer complaint received 2020-04-29
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have submitted a complaint about this company but have additonal information I would like to add as I spoke with them tonight. XX/XX/2020. Previously I had an issue where they lowered my credit line from {$4800.00} down to {$1500.00}. ( Would like to state they did this once before and I complained and my credit line was brought back up to {$4800.00} in the past ). I was told I need to make a payment then request the credit line brought back up. I made a {$300.00} payment and tonight I called and requested to bring this account back from {$1500.00} to {$4800.00} There was a soft inquiry done and was told it was declined. I am not understanding as to why they did this. My feeling is there have been many complaints put in by us about this company as we are still arguing the fact over a fradulant charge in the amount of {$510.00}. I feel we are being punished for something we did not do. I made more than the minimum payment and they still declined the request. I first initally was told when I called tonight that my account was closed with a XXXX  balance. Very misleading information. Because there is NOT a XXXX  balance.

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 2019-10-21
Company: Shellpoint Partners, LLC
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 information incorrect

Complaint:
I recently had a bankruptcy discharged, after making all required mortgage payments owed per court order by a judge. The company Shellpoint Mortgage Servicing XXXX. XXXX XXXX XXXX, Sc XXXX XXXX XXXX XXXX XXXX began contacting me through letters, credit reports and sending company representatives to my home making threats of foreclosure and asking for my home phone number. This company is not listed on creditors paid in my bankruptcy and I have never had a mortgage through this company. On my credit report they state that I owe them {$110000.00} in mortgage payments. Which is not correct. I do not even know who this company is. Further more if I'm in bankruptcy or recently had a discharge they should be contacting my attorney. In which, I have already notified them to cease and desist in contacting me or coming to my home. Only contact my lawyer. The loan account on their paperwork is : XXXX for property located at : XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX, Ca XXXX. I'm very concerned that they may start posting notices on my rental property and scare away tenants. Shellpoint Mortgage Company has made statements that the trustee on case failed to submit the final payment. A summary shows all accounts paid. Still waiting for a response to resolve current issue with mortgage company from attorney and trustee on bankruptcy case # XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our lender XXXX ( LoanCare , LLC ) made 2 major mistakes with our escrow account and is not offering any resolution. Instead, were receiving the run-around as they attempt to raise our mortgage payment {$500.00} a month to compensate for their error. XXXX made the mistake of paying the county taxes twice thereby depleting our escrow account by {$2600.00}. They then calculated that they would make the same mistake next year incorrectly increasing our estimated escrow. The error on their behalf is glaringly clear on our online account as well as paper statements and has been acknowledged by every customer service rep we have spoken with. However, two weeks of phone calls to customer service, 2 promised dates of case correction and closure ( XX/XX/2020 and XX/XX/2020 ) have come and gone without any resolution or return of our mortgage payment to normal. We began speaking with customer service XX/XX/2020. Our mortgage payment is due in 3 days and they are penalizing us for their errors by raising our monthly payment from {$2200.00} to {$2700.00} to offset their mistakes. 

We see two resolutions to this problem yet XXXX has not allowed for any, especially in a timely manner. They can return our payment to the original amount as escrow payments are not due until the end of the year and this will be resolved by then. Or they can recalculate our anticipated escrow balance payout without the incorrect additional {$2600.00}, greatly lowering that {$2700.00} to a more affordable amount closer to our original payment while waiting on the reimbursement from the county.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: Quality Asset Recovery LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I, XXXX XXXX, filed a direct dispute with XXXX  against my false collection account with Quality Asset Recovery. I told them that insurance had paid that original medical bill. They verified that was accurate, yet did not remove the collection account from my credit report.

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 2020-07-13
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV has continued to practice illegally using my personal information that was not provided to them by myself, nor do I have a written agreement or contract with them in the amount of {$560.00}. My consumer rights have been violated according to XXXX and I would like to have this taken care of immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I believe Chase bank to be using deceptive practices with their ATMs to steal cash from people. On XX/XX/XXXX  around XXXXXXXX XXXX XXXXXXXX I attempted to deposit {$450.00} to a Chase ATM located at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX but the ATM did not credit the money to my bank account. The ATM showed an error on the screen and produced a receipt telling me to call a toll free Chase number ( XXXX ) XXXX to ensure that the money deposited to my account. I was surprised that the ATM machine did not show me a screen confirming the amount of cash that I inserted nor printed this quantity on the receipt. Frustrated, I went into the branch and asked the supervisor why the funds hadnt appeared in my account yet. She informed me that such errors do occur at Chase ATMs and to call Chases claims department to file a claim for the missing cash. This is the first time I have ever had an issue with an ATM in my life. 

I gave the Chase claims department the ID number of the ATM which the branch supervisor told me was XXXX and the Chase claims department asked me if this was in XXXX XXXX, FL. I repeated to them that this was in XXXX XXXX, FL and that I was concerned about leaving the branch without the money appearing in my bank account. The Chase claims department told me that I would receive a credit to my account within 2 hours and that the money would be credited to my account in 12 hours. Luckily, the credit did end up in my account as described. 
However, ATMs should not be taking peoples cash without 1 ) providing an on-screen confirmation of the amount inserted 2 ) giving the customer the option to recover their cash if the ATM has an error 3 ) printing a receipt with amount deposited. This the trustworthy and typical practice of ATMs per my lifetime experience. 

Furthermore, this complaint is to require more accountability that Chase bank employees are responsible for the banks practices! No employees accepted responsibility for Chases error, so I believe it to be a systemic failure of the bank as a whole to build trust with their customers making deposits. Chase branch supervisors should be able to resolve ATM issues by calling Chase leadership themselves instead of directing customers to do so. Otherwise, supervisors are simply a guise of accountability to customers in these circumstances.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-15
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
There were three unauthorized transactions from XXXX, each at {$100.00}. This occurred XX/XX/2018. I filed a complaint and have not received any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposit a friend check in my account bank cash the check give friend the money now they say I owe them the money back. Bank said the only way to cash the check if it clears so i guess it cleared but want me to give money back. Bank sent me a letter said they took care of the problem but put it on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This item is reporting late as reported in my XXXX Credit Bureau. Lets correct this immediately. The XXXX Credit Bureau are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
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: Investigation took more than 30 days

Complaint:
I have incorrect information on my credit report that's costing me financial injury. I can't get a job apply for housing or credit cards. According to the FCRA several laws where broken

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: NAVY FEDERAL CREDIT UNION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2021 I filed a complaint regarding a charge card I have from Navy Federal that has reached its limit & Im no longer able to use it for purchasing good, labor or service on credit. I applied for a limit increase, received no response. 
On XX/XX/2021 I received an email from the CFPB stating that the company was still working on the issue. 
After no response since then, I sent this corporation a cease and desist which they received on XX/XX/2021 stating I refuse to pay this alleged debt on the account and as a consumer, invoking my specified remedy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: EQUIFAX, INC.
State: TX
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 did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. This is unauthorized use of my credit report. Please block and remove them immediately : XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX CARD : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
1 ) On XX/XX/2019, a contractor gave me a verbal estimate to repair my garage door at a cost not to exceed {$360.00} without additional authorization. He completed the job and showed me that the door was working, and presented me with an invoice for {$860.00}. 
2 ) After arguing with him over both the price and his unauthorized expanded scope of work, I reluctantly paid the {$860.00} with my Capital One card. He left. 
3 ) I went to verify the doors operation, but after opening slightly, it would not budge. The contractor returned from his truck, inspected the problem, and told me it would be another {$650.00} to replace the motor and other parts. 
4 ) It was at that point, I realized that the inflated cost and the new damage were both a fraud. Not wanting to have an altercation, I told the contractor to leave. 
5 ) I called Capital One five hours later to apprise them of my having been victimized and to ask them to assist me in securing a refund. 
6 ) Capital One led me on for several weeks to believe that it was working on my behalf.

7 ) Each time I had contact with Capital One, it was with a different person and I was never able to get a last name.

8 ) Although the contractor is the perpetrator of the fraudulent act, Capital One is the enabler.

9 ) The only item Capital One would accept as validation of my claim is a refund voucher from the contractor ; they could have and should have told me so.

10 ) If I were able to secure the refund voucher, I would not have had any need for Capital Ones assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

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 2019-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
I had signed up for a trial of XXXX XXXX Premium service on XX/XX/2018. I had cancelled the Premium service on XX/XX/2018, before I was to start being charged, but the cancellation apparently didn't go through, because I was billed for the service from XX/XX/XXXX through XX/XX/XXXX for {$29.00} a month. I became aware of the charges, that I did not authorize, nor would have authorized on XX/XX/XXXX, and went back to XXXX to check on the matter, and saw that my XX/XX/XXXX cancellation didn't go through, so I pressed to cancel again. I never got a cancellation conformation email for either XX/XX/XXXX nor XX/XX/XXXX. 

I called XXXX on the matter, but the only item on the menu for the phone number I had for them was the address to their campus, so I called Bank of America Money Network on XX/XX/XXXX to dispute the charges. I gave them the information I had, filled out the dispute forms they sent me, then faxed them back. I just got a letter back from Money Network that they were denying my claim.

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 2021-06-10
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX, My identity was breached. I have provided proof of my ID Identity theft report from the Federal Trade Commission. And a notarized Identity theft Affidavit proving it is in Fact me that submitted this report. And a letter citing all the fraudulent accounts on my credit report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: Experian Information Solutions 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2022-03-29
Company: Maury Cobb, Attorney at Law, LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of 2021 I canceled service to XXXX ( XXXX XXXX ). While canceling, we paid our balance, and was told that the account was paid off, and that we would not owe anything further. We then received a bill a few months later, and spoke with XXXX at XXXX. We explained the situation to him, and he said he would look into it, listen to the recording of the conversation, and we never heard back. 

We have now had three separate debt collection agencies contact us attempting to collect a debt that we have repeatedly been told does not exist. Each company has, in turn, researched the debt, and ceased to attempt collecting after we wrote a letter to them explaining the issue, however, we have now been contacted by a third collection agency attempting to collect on a non-existent debt, and this is beginning to feel like harassments Letters were sent to each agency through certified mail, and are attached below..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: CITIBANK, N.A.
State: KS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
shop your way credit card-Citi bank has serious problems : 1. charge too much interest during Covid-19 time,2 rude account manager During Covid-19 time, I tried to pay off my most credit card bills after getting government relief help. After I made several payments, I find that I paid the same much high interest as before. I called the customer service and even talked with the account manager. He, the account manager is crazy. He told me that whatever Covid virus, He is not going to care about any virus, or he is not going to fix the wrong interest problem on my account. The wrong interest accounting for related balance occurred about at least 3 times. I told him that after I made payments, my interest should be charged less. He is not going to fix that ridiculous interest. I really made the payments towards balance. He yelled me the same way with people who did not make payments. The interest is super high and not correct which keeps posting on my account. My balance is only {$1600.00}, however they made me pay {$50.00} for the balance of {$2400.00}. Wrong interest happened at least 3 times!!!

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