BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The checking account I have is with J.P Chase Morgan Bank. Here is a timeline of what exactly has happened over the past few weeks. 
XX/XX/XXXX around XXXX - I had arrived at the XXXX train station in downtown XXXX . I had a decent amount of cash on me and I saw a Chase ATM so I decided to deposit it into my account since I don't normally carry cash on me. I walk up to the ATM, take out the cash from my wallet, and the proceed to count it to make sure the ATM would correctly count it as well. I confirm it is XXXX dollars. I then proceed to insert the money into the ATM. I can hear it counting it from the outside and then the ATM displays the amount asking if it is correct. I look and see that it is, so I hit confirm. After I hit confirm, the screen displays the message " I'm sorry but this ATM is no longer in use, please remove card ''. It releases my card and I take it out. Waiting there for my money to get sent back out, it doesn't. I wait about 2 or 3 minutes and then begin to panic because that was all of the money I had. I go on my phone to check my account to see if it was deposited and I still only had XXXX dollars in it. I got no receipt and an ATM had stolen my money. I then scan the ATM for a number to call which was the service number. I call immediately to let them know. I filed a claim and was then told it would take up to 14 business days to even get a credit for the money that their faulty machine stole. 
XX/XX/XXXX - I had finally received the credit of XXXX dollars into my account. 
XX/XX/XXXX - I receive a letter in the mail stating that my claim was closed and that there was no money deposited from me at that ATM that day. Furious, I call the number on the letter asking why. Basically was accused of lying. I then asked if they looked at the cameras on the ATM because it would show me clear as day counting money, depositing it, and then freaking out after it stole it. I was told they don't look into ATM videos for claims and that I would need to subpoena the video in court. So now it is XX/XX/XXXX and they are soon about to yet again steal XXXX dollars from me all because they can't click a few buttons and watch a video. I will also have to hire a lawyer and take this to small claims court to get what was rightfully mine in the first place. This is theft and stress that I shouldn't even have. I have bills to pay and money is not something to be played with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-10
Company: McNeil & Meyers Asset Management Group, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX I co-signed a bail bond contract with XXXX XXXX XXXX. There was a mis communication with the person I bailed out, they were to finish paying off the loan and they did not. XXXX XXXX I was contacted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He told me that XXXX XXXX XXXX XXXX will be serving me with papers by the end of the day and I was being sued for the amount of XXXX but I could pay XXXX to be released of all claims and liabilities. So I paid over the phone and they sent over a letter via DocuSign stating I paid in full and I would be released of all liabilities. I also want to mention the bond number associated to the contract I signed with XXXX XXXX XXXX XXXX in XXXX is XXXX. On XX/XX/XXXX I receive a txt msg stating to contact law firm XXXX XXXX XXXX and if I fail to contact them I will be served at my place of employment without my consent. I did contact them they told me I was being sued by XXXX XXXX XXXX XXXX for a sum of XXXX $ or I could settle for XXXX but that is only if I set up payments by the end of the day. Also they told me they saw my payment of {$450.00} and they will put that towards my balance. Immediately I reached out to the finance department for XXXX XXXX XXXX XXXX, where I spoke with XXXX. XXXX told me I wasnt being sued by XXXX XXXX XXXX XXXX and my account went to collections agency Mc Neil & Myer. She also told me to ask the law firm what bond number was on my account on there end. So I called back XXXX XXXX asked for the bond number they told me it was XXXX, which was different from the contract I signed originally with XXXX XXXX XXXX XXXX. Also they told me the payment I made of {$450.00} I am not the co-signer of that bond. I then asked to speak with the supervisor at XXXX XXXX his name was XXXX. I politely asked XXXX if possible could he send proof that I was the co-signer for the contract they had on file? This is when the supervisor proceeded to yell and tell me he is not sending me anything and he doesnt have to answer any of my questions for I am the one who needs help from him and I should be answering all of his questions. XXXX was being very rude and disrespectful and he repeatedly kept calling me a young lady so I decided to end the call. On XX/XX/XXXX I decided to call the original collections agency Mc Neil and Myer whom XXXX XXXX XXXX XXXX  passed my account to. I finally got in touch with someone from Mc Neil who  stated they sold my account to XXXX XXXX and the balance I had was XXXX $ and the bond number was XXXX and not XXXX. After XX/XX/XXXX I was feeling very unsure on how to proceed with this situation, so I decided not to call back the law firm and they have been calling and harassing with txt msgs ever since.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: HYUNDAI CAPITAL AMERICA
State: TN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Leases a XXXX XXXX XXXX in XXXX, XXXX while I was living in XXXX  ( XXXX XXXX ) Hyundai Motor Finance holds the paper. ( XXXX XXXX XXXX, XXXX XXXX  XXXX, Ph XXXX ACC'T number XXXX ) I moved to XXXX  in XXXX, XXXX. The vehicle was registered in XXXX XXXX XXXX XXXX XXXX was shown as the lien holder. Monthly statements were sent to my XXXX address. 
In XX/XX/XXXX I decided to purchased the subject vehicle. I was instructed by Hyundai Motor Finance to obtain a payoff letter from the local XXXX XXXX. ( XXXX XXXX of XXXX XXXX, XXXX ; XXXX. XXXX ) Upon receipt of the payoff, ( Estoppel ), letter and other required documents I obtained a loan from XXXX XXXX XXXX to purchase the subject vehicle. A bank check in the amount of {$10000.00}, ( the amount stated on the estoppel letter ) was mailed on XX/XX/XXXX to XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. XXXX, the designated address on the Estoppel letter. My XX/XX/XXXX statement from Hyundai Finance shows these funds these funds were received on XXXX. 

I have now been informed by Hyundai Finance that they are " refunding '' these finds to me, because the vehicle is " garaged '' in XXXX  and I will have to go through the dealership in XXXX where I originally leased the vehicle. 

First, I have know idea what they mean by " garaged ''. They knew of should have known the vehicle is in XXXX, base on the fact that it is registered here, and because of the monthly statements coming to my XXXX address. 
Second, there is no mention of this requirement in the Estoppel, ( payoff ), letter. Now it has been awhile, but if my memory serve me correctly the purpose of obtaining an Estoppel letter is to prevent any further claims from be asserted. You get one bite at the apple. 

I have met all the requirements of their Estoppel letter, therefore the remedy I am seeking is to get a clean title in order that I may add the new lien holder, XXXX XXXX XXXX. 

It is grossly unfair to require me, without prior notice, to deal with a dealership 880 miles from my home. 
I am, as I always have been current, on the monthly payments, but I suspect Hyundai Motor finance will expect me to make the XX/XX/XXXX payment. 

This whole episode is ridiculous ; I have never heard a a lender refusing to take the funds necessary to payoff a 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 2021-04-10
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In a response to a promotional mailer I received from TD BANK I opened and funded a Checking Account ( XXXX ) on approximately XX/XX/XXXX. The 'Printing Code ' on the mailer identifying the specific mailer was XXXX '. 

The 'Promotion ' offered a {$300.00} Bonus for opening a 'TD Beyond Checking Account ' if the following steps were followed : 1. Offer valid XX/XX/XXXX - XX/XX/XXXX and available only to addressee on mailer 2. Offer NOT Available to existing Checking 'Customer ' or prior 'Customer ' having bank relationship within prior 12 months. 
2. Make {$2500.00} in direct deposits within 60 days, as well as other minimum balance requirements that the Bank acknowledged I met. 

When I completed all of the requirements and the BONUS did not appear in my account, I called 'Corporate ' customer service a number of times and was finally told that I had to contact my local branch to handle the situation, which I then did. 

The crux of the issue was that AFTER I applied for and opened the account in question, TD Bank changed the parameters as to who could receive the Bonus. Currently ( but NOT in XX/XX/XXXX XXXX, the 'DISCLOSURES ' section of the offer has XXXX additional sentence that the original mailer did NOT as follows : " Customers who received a bonus on a prior checking account do not qualify '' Clearly, TD Bank realized that they had omitted this stipulation in error and probably experienced other complaints similar to my own. 

The local branch 'explained ' the refusal to honor the Bonus by citing the following final sentence from the current DISCLOSURES section of the mailer I received ( this is the sentence that ONLY appears in the current version of the DISCLOSURES ) " One bonus account per Customer and can not be combind with any other offer ''. 

Since I had received a pst Bonus, even though it was greater than 12 months in the past, they quoted the NEW, ADDED sentence and refused to honor the offer as was stipulated in the original mailer. 

I opened only ( 1 ) Checking Account, and I did not 'combine ' it with any other offer - I do not see how this invalidates my position! 

I have copies of all mailers, documents, etc, should they be required. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 submitted a complaint through the consumer financial protection board stating that I requested a copy of the report the Trans Union received from my bank XXXX XXXX  XXXX. Trans Union refused to give me that report so I filed a complaint with you folks. Trans Union responded that this is a duplicate of a previous complaint. Please produce the previous complaint where I asked for a copy of the statement from XXXX XXXX   stating that I was delinquent on a payment The Trans Union claims to be in possession of. I wish sleeping dogs could live as good as Trans Union

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 2019-01-08
Company: FULTON FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Open an account with Fulton Bank couple years back. In order for the account to be closed all fees was paid. XXXX XXXX shows I owe XXXX dollars. All fees were satisfied prior to closing account

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 2020-06-28
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have contacted the collection company and experian, XXXX, XXXX  I do not owe this debt and uploaded a letter from the supposedly creditor showing {$0.00} balance Unsure how a collection company says I owe something their original creditor notes I dont

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 2020-06-26
Company: MidAmerica Mortgage Inc
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I have a VA Loan with Mid America Mortgage. I have a buyer that wants to assume the loan. All calls to Mid America Mortgage are transferred to XXXX. A call center in XXXX has all of my personal info for my VA Loan.  The call center would email me scam. This should be a crime. I have called Mid America Mortgage at least 10 times, I have emailed them. No response. They are clearly not able to do there jobs. Can you revoke there license.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: Herbert P. Sears Co., 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: Old information reappears or never goes away

Complaint:
I filed a complaint with the CFPB on XX/XX/2017 regarding the company HP Sears reporting inaccurate information to the 3 major credit bureaus. The complaint number is XXXX. 
The company responded the following on XX/XX/2017 : Our records indicate that substantiation of the debt was mailed to you XX/XX/2017. On XX/XX/2017 our client close your account with our office do to non payment of the debt. We sent all three credit bureaus instruction to delete this matter from your credit history on XX/XX/2017. We have verified with XXXX that this is not on your credit history any longer. If you have ran your credit report and this item still remains please contact our office for further assistance with the removal. 

The reporting has since returned back to my credit file with the credit bureaus. 
I am requesting that all references to this account be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me 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 2020-05-09
Company: Freedom Mortgage Company
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
When I logged onto our account with Freedom Mortgage to pay our current mortgage payment, I discovered that the company placed our mortgage in Loss Mitigation. Due to this, there is no option to make a payment. According to their website, they approved a Loss Mitigation for our account on XX/XX/2020. It also says that we have a Repayment Forbearance ... Currently Under Investigation. We did not ask for or fill out any paperwork requesting a Forbearance. Apparently Freedom Mortgage took it upon themselves to force us into this situation. This is not right and we will be contacting the company. Although contacting Freedom Mortgage usually results in more frustration, we will try. 

This Company is already part of at least one Class Action Lawsuit over their unending phone calls pressuring their mortgagees to refinance and refusal to cease their phone calls. 

If these new actions by Freedom Mortgage are not illegal, they certainly should be. How many others have they placed in Forbearance without consent?

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 2019-01-08
Company: Experian Information Solutions Inc.
State: NJ
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 received a letter back in late XX/XX/XXXX stating that I was late on my payment and incurred a late fee. I ignored it because I thought it was an error since my payments are never late. I received another letter about a month later and this time it showed that I incurred a late fee. I became concerned and contacted XXXX XXXX where I spoke to a rep, who after reviewing my account, mentioned that one of my payments wasn't applied properly due to when it was received. at first I questioned why was that the case when I am used to paying the same time every month and it was never an issue and informed her that my payments are on a recurring schedule set from the very first payment. I was told that they will fix the issue and reverse the late fees. I thought the issue ended there, but only received yet another letter stating the same thing. I contacted them again and was told the same information as the first call and the rep said the issue would be fixed. Needless to say, I called a total of 4 times ( twice on XX/XX/XXXX, once on XX/XX/XXXX and once on XX/XX/XXXX ), after receiving two more letters and still the problem hasn't been fixed. As if this wasn't bad enough, they reported these erroneous late payments on my credit report, causing my score to tank significantly! I immediately called upon notice, but was unable to be helped because the " business dept '' was closed. I requested for someone to call me immediately on the next business day and have yet to receive a phone call. I am in the middle of a home purchase and this has changed the entire outcome of my situation and may even leave my family and I displaced, as we can not move forward with our purchase and have already given notice to our current landlord. My scores have dropped 44 points on Experian, 38 points on XXXX and 26 points on XXXX due to their negligent handling of my account.

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 2020-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Old information reappears or never goes away

Complaint:
I was informed by my mortgage agent that Bank of America put me that I paid late when I closed the account for {$20.00} or {$25.00} dollars, for that significant amount they put my credit in red and when I'm running the report anyone of bank can see it. I paid that money and I will like this to be resolve, also I have a XXXX account that appears in my credit score I will like this to be resolve as well too.

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 2020-06-25
Company: Linebarger Goggan Blair & Sampson LLP
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Notice of debt letter received dated XX/XX/2020. Called company Linebarger, Goggan Blair & Sampson, LLP at XXXX address listed as XXXX XXXX XXXX, XXXX XXXX, XXXX, Virginia XXXX on XXXX-20 at approximately XXXX XXXX. Spoke with XXXX who stated the debt is for XXXX ; however, account summary received in mail states debt is {$1.00}, XXXX. XXXX stated she could look in the system to see if there are other accounts. This account involves one vehicle license plate identification. 
False amounts listed on notice. Violation of the FDCP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Professional Finance Company, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Professional Finance Company has placed inaccurate information of a debt of {$340.00} on all three credit bureaus. I've requested documents that were used to verify the accounts as being accurate. I've requested Validation and have received a bill. No signatures, no contracts, just a bill that I have enclosed in this complaint. I do not owe Professional Finance Company any money for any debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-08
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Reason for Deletion : This is a duplicate account. This account was included in my bankruptcy and should not be reporting negatively on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: WELLS FARGO & COMPANY
State: GA
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: Billing dispute for services

Complaint:
Wells Fargo bank is interfering with the processing of Checks disbursed by Georgia Crime Victim Compensation Program, GCVCP, ( APPROVED CLAIM NUMBER XXXX PURSUANT TO O.C.G.A. 17:15:7 ). Currently, GCVCP writes the checks from a Wells Fargo bank Account, and I want to file a claim for My Money. I AM THE INNOCENT VICTIM OF XX/XX/XXXX-THURSDAY CAR WRECK WHERE I SUSTAINED SIGNIFICANT XXXX, XXXX, AND XXXX  XXXX. I have been APPROVED FOR {$25000.00} AND CURRENTLY GCVCP IS IN ARREARS REIMBURSING ME {$15000.00} FOR APPROVED CARE, TREATMENT, AND INCURRED EXPENSES RESULTING FROM DIRECTLY FROM XX/XX/XXXX-Thursday car wreck, and currently GCVCP owes me {$15000.00} and have FAILED TO DIRECTLY COMPENSATE ME. 

Their RECKLESS AND EGREGIOUS attitude is interfering WITH THE CONTINUITY OF COMPETENT ( SAFETY ) CARE AND SAFETY TREATMENT FOR ME. I am an emotional wreck, and now they are wreaking havoc on bank account preventing me from getting stable banking accounts with Wells Fargo ( REMEDIED ON XX/XX/XXXX, MONDAY ). 

DESIRED RESOLUTION ( 1 ) LEVY THE ACCOUNT OF GEORGIA CRIME VICTIM COMPENSATION PROGRAM, GCVCP, FOR {$15000.00}, AND DEPOSIT CASH INTO MY CHECKING ACCOUNT WITH WELLS FARGO. THE GCVCP ACCOUNT INFORMATION IS ON THE MULTIPLE OTHER CHECKS THEY HAVE WRITTEN TO ME. 



Sincerely and Respectfully, XXXX XXXX XXXX  Phone : XXXX Email : 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