BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/20 I electronically deposited {$7000.00} to my Bank of America checking account from a XXXX XXXX checking account via the BofA mobile app. We left the next morning on a week 's vacation We returned from vacation on XX/XX/20 and noticed that the above deposit did not show nor was there an email receipt. I then redeposited the same check thinking it did not get properly processed. I received a confirmation email at that time. On XX/XX/20 the second deposit first cleared and then reversed due to it registering as a duplicate deposit. We then checked the XXXX account to find that the check, # XXXX, cleared the XXXX bank on XX/XX/20. 
On Tuesday XX/XX/20 we followed up with XXXX fraud who discovered the check was in fact deposited into a BofA account owned by XXXX. In addition BofA honored the {$7000.00} deposit on XX/XX/20. 
On Tuesday XX/XX/20 BofA reversed the {$7000.00} credit, an explanatory letter was mailed which I have not yet received. 
On XX/XX/20 I spent 2 hours with various BofA persons, in person and on the phone to try and rectify the problem to no avail. They ended up telling me to talk to XXXX there was nothing more they could do. XXXX suggest I wait to see if the letter indicates how the {$7000.00} is being dealt with, perhaps it will be returned to my XXXX account. As of today it has not been returned. 
According to the XXXX fraud team the original check was first processed on XX/XX/20, sequence number XXXX, check number XXXX. The second deposit attempt on XX/XX/20 was sequence number XXXX and was immediately debited back out as a duplicate deposit. 
No one either at BofA or XXXX XXXX can advise me of what I need to do to get my money returned. 
I am attached a check image of the processed check from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: Optimum Outcomes, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received two hospital bills in XXXX. The charges looked identical on each invoice. While I was in the process of understanding my bills I started paying the hospital. I was contacted by a collector saying that payment in the amount of {$470.00} must now be sent to them. It was XX/XX/XXXX ( our income was strained ). I contacted the hospital again on XX/XX/XXXX and spoke with a representative who told me that the problem was how the insurance company processed payment on the bill. They paid on the bill as an out-of-network instead of in-network. All of the doctors were in-network. I contacted the insurance company on the same day and spoke with a representative there and they gave me a confirmation code to give to the hospital. I contacted the hospital representative back with all the information provided by the insurance company including a new confirmation code. I was told by the hospital representative that the bill would be pulled from collection. I communicated all of this information in a letter to the collection agency. Now, 2 years has gone by without so much as a phone call, not even a letter until XX/XX/XXXX. This agency contacts me to tell me I have a debt in the amount of {$470.00}. My proof is in the names, dates, and confirmation code given to me for this bill. Can someone help me? I do not have a scanner but I 'm willing to make copies and send them if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i have a debt that went into collections from a apartment that i was never sent the bill from. the amount is XXXX, the collection company is trying to charge me interest on this debt, but they never sent me a break down on why this is the case. they never sent me any notices or proof that they sent them out. in the state of California its illegal for debt collectors to charge interest on a debt unless if it was stated in the original contract with the original creditor. this is violation of the fair debt collection act section 1692 this is what the act states " The good news : A debt collector can not charge interest or fees that weren't defined in your original contract. Debt collectors aren't any different from the original creditor when it comes to interest charges and fees. ... That's a rule specifically defined in the Fair Debt Collection Practices Act ( FDCPA ) .XX/XX/XXXX '' i also sent them pay for delete letter over 3 weeks ago and sent several emails and they never respond through mail

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: Skrill USA, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XXXX/XXXX/XXXX I received a deposit into my Skrill account. I was unable to withdraw the funds because they stated that my account needs to be verified. I followed the instructions by hitting verify and I was told that Skrill would deposit micro amounts in my account for verification. 

This happened a day after, however, there was nowhere on the site to enter these amounts. I contact Skrill by phone and was told that they are aware there is nowhere on the site to enter these amounts, so I would need to send a copy of my bank statement. I forwarded a copy of my email while still on the phone with the rep. who confirmed that it was received, and it would be looked at on XXXX XXXX/XXXX/XXXX. I called back on XXXX and was told they are still in the process of verifying my account. I had multiple conversations with different reps until one finally said that they would do a manual transfer for me while I await verification. This manual transfer happened on XXXX/XXXX/XXXX. Another transfer came in on XXXX/XXXX/XXXX. An amount earmarked for my mortgage, at this time my account has still not been verified and I am still unable to withdraw my funds. 

The phone calls to Skrill begin again with each rep telling me something different. I just got off the phone with a rep today XXXX/XXXX/XXXX who told me that a manual transfer will not be done for me this time, like a previous rep told me because I received one before. As usual they will contact me when they have a status update on my account. They keep telling me this, but no XXXX contacts me from XXXX. So here I am stuck, no verification, no money, no contact from Skrill. On their XXXX page they state that this process takes 24-48 hours. But here I am 8 days later still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
TOOK NOTICE THAT SOME COMPANY BY THE NAE OF LVNV FUNDING PLACED AN ACCOUNT ON MY CREDIT REPORTS. I HAVE NEVER RECEIVED ANY INFORMATION FROM THIS COMPANY. NEVER RECEIVED ANY NOTICED FROM THEM AND THEY ARE SUPPOSEDLY COLLECTING ON BEHALF OF XXXX. I HAVE NOT HAD A XXXX ACCOUNT SINCE 2000. I CONTACTED XXXX AND THEY SAID NO THEY KNEW NOTHING OF THIS. SO APPARENTLY THIS COMPANY IS CREATING FALSE ACCOUNTS AND TRYING TO ROB CONSUMERS BY USING FAKE ACCOUNTS. THIS IS DISGUSTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I have had the same checking account with Bank of America since 1995. In XXXX of this year they started charging me a $ 12 monthly maintenance fee. I just spoke to them and they said I am now required to have either 1 ) a daily balance of {$1500.00} or 2 ) a direct deposit into the account each month to avoid the {$12.00} fee. I explained that I am not able to keep {$1500.00} in the account at all times and that my employer will not do direct deposit. They write me a check every month. 

I never received anything in writing from Bank of America about this new fee. They tried to tell me that the fee has been in place since I opened the account. However, in over 20 years, I have never been assessed the fee before. Please let me know if there is anything that can be done.

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 2021-10-15
Company: Village Capital & Investment LLC
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I just refinanced my mortgage and the first payment was in XX/XX/XXXX. I had called to start an ACH automatic payment to start on the first of every month. I was told that my XXXX payment had to be called in because the ACH payment would not go into affect until XX/XX/XXXX. On XX/XX/XXXX I made my mortgage payment of {$430.00} over the phone. On XX/XX/2021 they took out the ACH payment of {$430.00}. I contacted them immediately to get it rectified because I had other bills that were coming out as well. They acknowledged the mistake and said they would issue a refund. I ended up receiving a paper check in the mail on XX/XX/2021. As a result of the length of time it took to get the refund I incurred 2 NSF fees. When I called them to get reimbursed for these fees they informed me that they were not going to cover the NSF fees that I incurred. I had e-mailed copies of the NSF fees to them as well. Once they told me that they would not reimburse me the fees I revoked the ability of them to use ACH for my payments and they said they were ok with this. On XX/XX/2021 they did an ACH withdrawal again. I incurred another NSF fee the same day. I contacted them again and was told they could not do anything about it. I contacted my bank XXXX who has stopped their ability to use ACH withdrawals in the future. I have incurred {$95.00} dollars in NSF fees and asked to be reimbursed and they have said no. 1. NSF fee of {$29.00} from XXXX was issued on XX/XX/2021 2. NSF fee of {$37.00} was issued from my XXXX XX/XX/XXXX on XX/XX/2021 3. NSF fee of {$29.00} was issued from XXXX on XX/XX/2021. They XXXX XX/XX/XXXX NSF was incurred because I transferred funds from them to XXXX to cover the bill that was not paid as a result of them taking 2 payments and I was not refunded until XX/XX/2021. I would like to be refunded for the NSF fees that I incurred because of their mistakes. As I stated these were my first 2 mortgage payments to them after I had refinanced.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: JPMORGAN CHASE & CO.
State: OR
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:
I have contacted Chase XXXX first asked them to opt me out of increase of APR from increasing. They denied me. Then I asked them to help me decreasing my APR, while I try to save my mom 's life from XXXX, and they are not able to assist me. Chase wants me to go past due before they will help me. I told chase I am going to XXXX to say good bye to my mom, and coming back to refinance my house to pay them off, and they can care less. They want dings on my credit, so I can be denied my refinance. They are going to force me to file for bankruptcy and I DO NOT want to do this. Please help me during this struggling time. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: PRESTIGE FINANCIAL SERVICES INC
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
i kept getting bills for these i did n't buy and in XXXX and XXXX and i contacted the company and they told me not to worry but yet put me into collections

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We have appealed our real estate tax assessment with the taxing authority in XXXX, GA. That appeal is in process. The appeal places the property in a tax abeyance posture. Nonetheless, LOAN CARE -- the mortgage servicer has made tax payments, over our objections, to the taxing authority creating an escrow shortage. We have sent timely notice to the mortgage servicer advising them of the tax status, and urging them to -- not -- make any payments to the tax authority because we owe no real estate taxes. We have also supported the " no-tax due '' status by supplying letters from the tax authority and the local Superior Court informing that no taxes are currently due, and that the appeal remains active. Despite these numerous communications, the mortgage servicer refuses to apply our correct amount payments to the account, and the mortgage servicer continues to impose erroneous and punitive charges to the account. WE HAVE THE FUNDS TO MAKE THE PAYMENTS as we have continually during this dispute. The mortgage servicer has employed a debt collection law firm to foreclose on our home. We have made contact with the debt collection law firm under the FDCPA, but the debt collection law firm has refused to act, and it continues to move forward with foreclosure actions. The entire organization is conducting itself illegally, to our harm and detriment.

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 2022-01-08
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: ID
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
On or about XX/XX/21 I started an application process with XXXX XXXX NMLS No. XXXX, Loan No. : XXXX. Each and every one of the requests received thru Octane were adhered to by me in a timely fashion. I advanced {$650.00} for an appraisal on my home in XXXX. I also paid for a pest inspection report and 3 different well water tests out of pocket. The appraisal was not performed until late XXXX. Now they are requesting a 4th well water test ; and, because the XXXX won't accept a pest inspection after 3 months, I have to pay again for all these reports. After 3 months their lock extension fees for the loan have gone up to {$3300.00}. The loan was at 2.25 % and now the interest rates have gone up so much that they exceed what my current XXXX loan is at. Furthermore, they can not seem to be able to secure the correct COE from the XXXX and want to charge me over {$10000.00} for XXXX funding which I will not owe to the XXXX. I am the surviving spouse of a 100 % XXXX XXXX XXXX veteran. Now, they refuse to return my calls or answer any of my communications to them trying to straighten out this mess and close the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TRANSWORLD REPEATLY TRIES TO COLLECT DEBT THATS NOT MINE EVEN WHEN THEY REMOVE THIS INACCURATE INFORMATION THEY GO RIGHT BACK AND REPORT AGAIN KNOWING THIS IS NOT MINE THEY DONT CARE JUST CONTINUE TO VOLATE FAIR AND ACCURATE REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Experian Information Solutions Inc.
State: MA
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 just received the attached credit report today and both the XXXX XXXX XXXX " accounts '' should have been closed. The foreclosure sale was ILLEGAL based on falsified/forged documents as far back as XXXX. Neither of these accounts technically exist and this " XXXX '' ( XXXX XXXX XXXX ) alias company, is trying to wear me down to admit that they do exist when there is NO Mortgage and NO promissory Note that is original. It was proven on XX/XX/XXXX when my document expert evaluated the FAKE documents. There should be NO derogatory accounts listed on Any of my credit reports. The attached Experian credit report shows this wrongfully reported. I will attach the document experts affidavit showing that the Mortgage And Promissory Note being used to ILLEGALLY foreclose on my home are false/forged do not exist and the foreclosure is ILLEGAL. This bank can not legally foreclose NOR collect with false/forged documents!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In XXXX XXXX I was hired as a Manager for a company that sent me a check in there name for about {XXXX} and I decided to open an account at Santander Bank in my local neighborhood and requested that they check out the check for me and if it was good to place it within my bank checking account if it cleared, where this was a new company that I was not familiar with. 

They decided to follow through and opened the account and told me that it would take ten days for the check to clear but had told me that I would have to open an account and deposit physical cash in it, which I did for {XXXX}. 

After ten days I had n't hear anything back from the bank in regards to the deposit of the check and when I went to make a withdraw from the bank on the check, they told me that my account was closed and they never told me for what or sent my deposit back since then. 

I never pursued it after that and realized the check I had deposited must had been bad but I decided to open an account again after a couple of years had passed in XXXX of this year and told the rep of the problem I had with the bank a couple of years ago and spent well over two hours seeking to clear whatever issues they had with me and my account and I thought we had a understanding and was going to make a new start, so I again opened up an account and placed another deposit of XXXX to do so and was given a online banking account with new account numbers and after a couple of days had passed, I logged onto my online account and was ready to transfer funds from another company that I performed work for and found that I was on block and when I called the customer service they gave the run around for a good minute but after my persistence after several tries and days had passed that it was the XXXX XXXX issue that they had decided to close my account that was XXXX XXXX, XXXX and that they would send me my deposit back via mail, where it is now going on a month since they closed my account and never sent me my deposit back. 

Which I ca n't understand why they would close my account in the first place for a bad check that someone else wrote, where I had always been in good standings with other accounts I have had over the years with other banks and had paid many bank fees over my many years, where I also believe that they are real crooks and out right have chosen to take people money for their own and are the ones that ca n't be trusted.

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 2022-08-12
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

1. XXXX  Account Number : XXXX Bal : {$690.00} 2. XXXX XXXX Account Number : XXXX Bal : {$4900.00} 3. XXXX XXXX XXXX Account Number : XXXX Bal : {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: CAINE & WEINER COMPANY, INC.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have a previous complaint against this company that is now closed. XXXX. After my last complaint, the company closed both accounts and removed the negative marks form all 3 credit bureau 's. Last week both accounts reappeared on my XXXX  credit report. The amounts are {$120.00}, and {$640.00} for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Herbert P. Sears Co., Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A payday loan was given to a ex-contractor based on a voided check the contractor provided to the pay day lender, XXXX XXXX XXXX. When they discovered the loan was given on a voided check they sent a collections letter to us. We immediately sent a dispute letter via certified mail and was received by them. However they continue to attempt to collect the debt via phone calls and letters. They have verified the receipt of the dispute letter ( XXXX XXXX verified this on XX/XX/2020 at XXXX XXXX P.S.T. ) but have not responded to it and continue to illegally continue collections efforts.

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