BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Second time I have gotten a letter about opening up a credit card I didn't apply for. This one was opened XX/XX/2022 for XXXX XXXX XXXX XXXX XXXX. It was denied, but now worried my identity XXXX have been compromised. What are the steps in this process? 

The ref. number on the letter is : XXXX ( Bank of America )

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 2015-11-13
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Ive received my 3rd communication from Credence Resource Management LLC for an ambulance debt that is not mine. The person owing the debt is someone with the same name as my maiden name, which I havent used in 30 years. I contacted the XXXX company and found out the person XXXX was XXXX in XXXX, Ca ( where I 've never stayed ), and they were the ones that were kind enough to tell me the XXXX XXXX that was picked up XXXX, showed ID saying she was from XXXX, XXXX. so this is why I believe the person the collection company is after lives XXXX, and I even gave them an address I found online. The Collection company sent another letter and I again called and they promised they had now erased my contact address from their files and Id receive no further communications ( XXXX/XXXX/15 ). Yesterday I recd another communication! I have superb credit and full medical coverage XXXX. I want this company to remove my miaden name and address from their files and stop trying to collect from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: Shellpoint Partners, LLC
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
Mortgage was refinanced. I paid for an appraisal which came back value XXXX agent appraisal. The refinance was Based on XXXX. After a Va appraisal was done again it came back at XXXX an the Appraisal guy stated to me I had XXXX equity At the closing the agent did n't show up an I was Ripped Off! XXXX XXXX XXXX agent XXXX XXXX changed the paperwork an I sat there alone at the closing unaware. To my knowledge everything was based on XXXX!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: Kriya Capital, LLC
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX XXXX XXXX XXXX turned over a {$35.00} final bill to Credence Resource Management LLC, Phone Number XXXX without sending me any notice of intent to send to collection. I am not disputing the fact that I owed the {$35.00} which has been paid to XXXX XXXX XXXX. My complaint is the improper contact and sharing information with someone else by Credence Resource Management LLC. They sent a letter to my son in another city, never mailed me a letter to my address that was provided to them by XXXX XXXX XXXX. My son called Credence Resource Management LLC. and they discussed the collection matter with him and told him they got his address by doing a skip trace, found his address and sent the letter to his address. Credence Resource Management LLC confirmed to my son that they had my address on file. but did not send the letter to me. I contacted Credence Resource Management LLC. spoke with a supervisor who identified himself as XXXX. He confirmed that the letter was sent to my son at his address and not sent to the address provided by XXXX XXXX XXXX which is my address.. I feel that my privacy has been violated.

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 2015-10-02
Company: Friendly Finance Corporation
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My ex-wife and I divorced XX/XX/XXXX I was court ordered to gave my ex XXXX the vehicle, I was ordered to sign the car over to her, with the court order she was to pay the loan, after 5 years of not paying, now the loan company is going after me to pay loan, In the last years, I 've not heard a word from the loan company about any of this, the loan company did not repo the vehicle, she still has the vehicle to my understanding, XX/XX/XXXX when I received my pay check, the loan company garnished my wages without me knowing, I received nothing in mail or a certified letter stating they were doing this,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I declared personal bankruptcy 4 years ago. My home has XXXX mortgages. At the time, my lawyer advised that I =not= include the servicers in my list of creditors. I have never missed a payment with either company, but because I did not include them in my list of eligible creditors, they have refused to report my good payment history to XXXX, XXXX, etc. so I ca n't properly rebuild my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: UNITED SECURITY FINANCIAL
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I write this formal complaint against a loan lender company named, XXXX XXXX Mortgage, XXXX. I believe it is subsidiary of United Security Financial Corporation, XXXX XXXX, IL. This is regard to a dispute that has since occurred from XXXX of this year, 2015. They are the company that finances our 30 years fixed rate FHA Loan. Prior to this company, we had XXXX., located in XXXX XXXX, IL. XXXX sold our loan to XXXX XXXX at the beginning of XXXX of 2015. Prior to becoming a part of XXXX XXXX, we never missed our monthly payments. Attached, you will see payments ' history with XXXX while servicing our loan. There has been no deficiencies from the date they took over our loan. 
Since the loan was transferred to XXXX XXXX in XXXX, we began making payments as required. However, it came to our attention that our XXXX payment was not received, when in fact there 's a bank withdrawal statement which showed that the amount in question was paid. From the onset, XXXX XXXX stated the payment was rejected by our banking institution, XXXX XXXX due to insufficient fund, which was untrue. A copy of the bank statement indicating the amount being withdrawn is attached. After several calls and denials that the XXXX payment was not paid to them, we have to request printouts of payments made. As a matter of fact, we requested printouts of checks leading up till XXXX from the same bank. XXXX of the bank representatives was on the phone with a customer service Rep from XXXX XXXX, XXXX XXXX XXXX, and it was confirmed that there were sufficient funds in the account to ascertain that the XXXX payment was cleared. 
In recent time, the newer claim from XXXX XXXX has been, that XXXX stated that our XXXX payment was rejected. See also the attached document as well as a print out history from XXXX. 
Below is a communication dated XXXX XXXX, 2015 from the XXXX XXXX Rep previously mentioned : Hello, Please see attached letter written to us from XXXX. They are stating that the pmt you made on XXXX/XXXX/2015 was returned by your bank on XXXX/XXXX/2015. Please refer to your bank statements for those dates to see if that information matches with your statements. I have also attached the statement from XXXX verifying pmt was returned. 
XXXX XXXX, Customer Service Representative | XXXX XXXX , XXXX. 
Your partner in the mortgage industryPhone : XXXX : XXXXXXXXXXXX | XXXXIn light of the above, I write to request your intervention in order to resolve this matter so that I will not have to bother with a barrage of phone calls, mostly at night and constant harassment from these folk.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
On XXXX/XXXX/2015 I placed an order with XXXX in the amount of {$41.00}. When I did not receive shipping information I logged into my account and noticed the order had been canceled. I called XXXX and was transferred to their Loss Prevention Department. They gave no information for the cancel other that it was done by a third party company named XXXX. I do not know who this company is and have not done business with them. I was given XXXX 's phone number. I contact XXXX who would not give any reason as to why the order was canceled even though my credit card company, Captial One approved the charge. XXXX said they could not release the funds back to my credit card and told me to call Capital One. I then called Capital One who informed me the could not release the funds back to my account and that XXXX had to do the release. I explained that XXXX informed me to call them. At that point the Capital One representative told me there was nothing he could do. I asked him if this third party company who I had never done business with could really hold my money indefinitely. He claimed them could and ended the conversation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-17
Company: FORD MOTOR CREDIT CO.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My car has been reported a total loss. Ford Total Loss Department and my insurance compnay drug their feet throughout the process causing my account to become severely delinquent. They over valued my car, and now I am stuck paying for the negative equity from my previous car financed thru them. My payment was reduced down to {$210.00} approximately for 36 more months, mind you I have no car. They harass me and threaten to charge off loan when the loan becomes 2 months delinquent. My online access has be blocked so no payments can be made, and I have no clue what is owed because I receive no statements in the mail. Not sure how they get away with this. I should be informed on what is owed if I am to pay for something, especially a car I no longer possess. Their GAP Insurance I was told by salesman of Ford that this would satisfy any negative balance during an accident. This was not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2015-12-17
Company: I.C. System, Inc.
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A few years ago XX/XX/XXXX, ( unfortunately I ca n't remember the date ), I ordered XXXX. The service tech came, installed the product. Within a matter of days XXXX XXXX would n't work. At the cost of {$50.00} a tech came and fiddled around with the system got it working and stated that I will never get good reception because of the trees on my property. A couple of days later I called XXXX again because of no reception. Again, at the fee of {$50.00}, the tech stated I would need to have my trees removed to get good reception. I called XXXX XXXX and asked that they come and remove their system from my home. I called my previous carrier who showed up that very day to reinstall my XXXX XXXX. 
XXXX sent me a shipping box to send them back their product. I paid my remaining bill and felt assured they were now a part of my past. Since that time XXXX XXXX has been trying to collect {$410.00} from me. XXXX states that when I requested their service it was " understood '' that I was in a 2 year contract with them! I NEVER agreed to such a contract. They stated because I broke the contract, I owe them this money!!! 
I feel they owe ME money!! I never received the service from them that I paid for. I had it for less than a month and it was never explained to me that I was in a 2 year commitment with them. I recently received a debt collection notice from a collection agency. I called them, stated this information again and they stated they will notify XXXX of my dispute and I should hear back in 60 days. I have had this conversation over and over and over again with XXXX XXXX. From my last conversation with XXXX, I " understood '' they were closing this case and I did n't owe them. I was very surprised to receive a debt collection notice from a collection agency. 
I need your help to get them to STOP trying to collect money I DO NOT OWE THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08
Company: Paypal Holdings, Inc
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
My PayPal account has multiple unauthorized charges on the account. I continue to dispute the validity of these charges. I wish to inform PayPal that I have now contacted the attorney general in my state and named them in a consumer complaint. I want charges on my account removed, ( all previously disputed ones ) and I want negative credit reporting to any of the XXXX credit bureaus removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: Paypal Holdings, Inc
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Paypal closed my Paypal account XXXXXXXXXXXX on XXXX/XXXX/15 without any warning or reason. There are more than {$8000.00} in my account. They refused to return the money and said they will grab the fund for 6 months without any reasonable ground. 
That means that I can not access my own all legitimate money for 6 months, which causes enormous financial stress and loss. 
I was given no valid reason when calling the representative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Paypal Holdings, Inc
State: MO
Product: Credit card
Issue: Transaction issue

Complaint:
The customer bought an item from me and then did a charge back claiming he did not get the item. Now I am out the item PLUS my fee! He paid through paypal and they sided with him even though he did not send back my merchandise nor did he or XXXX adhere to our return policy! XXXX said he sent back the item but all he sent back was the original invoice copy! This man is running ascam to buy other items, claim he did not receive them, then send back a copy of an invoice and claim a return was made! No one checks inside the envelope which has nothing! I have the original envelope and invoice sent from him to prove this!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Bank of America keep charging me huge overdraft of the services they never rendered. 
the check was returned and they charge me XXXX dollars for it

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 2022-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX and XXXX XXXX XXXX  Acct XXXX XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2015-06-02
Company: Paypal Holdings, Inc
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I have had a PayPal account for about 8 years now in good standing. Recently my account was locked and all of my funds are unavailable while it 's locked. They say they WILL NOT under any circumstances unlock my PayPal account or give me access to my funds until XXXX debts are paid from old PayPal accounts that do not even have my name on them, they are not mine and never were mine. This is in complete violation with the Fair Debt Collection Practices Act. I can not have my funds held and my account locked because of somebody elses debt. This is also defamation of character to insinuate that I actually abused their service somehow and in some way am attempting to avoid a debt or steal money. This PayPal account is what I use to run my business to earn a living to feed my family. It is utterly shocking that a company can do this to myself and many others with NO repercussions what so ever. I searched the internet and it seems that all these practices they are doing like this are in violation of XXXX thing or another, so why is this company continuing it 's underhanded practices without paying every time it 's found that they are in violation? This is enough to make anybody sick. ( I have not retained council, YET ), but I do have a legal team for my business and they are pushing me to sue instead of making all these attempts at getting a resolution. I hope this gets fixed because we are calculating ALL damages on a daily basis and right now we are already into several thousand dollars and XXXX lost employee. This is libelous plain and simple.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: JPMORGAN CHASE & CO.
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:
On XX/XX/XXXX I contacted Chase bank the issuer of my credit card. The Amazon prime card that I was provided was lost and used without my authorization at XXXXXXXX XXXX for 3 transactions totaling XXXX dollars. Upon contacting chase bank I was told the matter will be resolved. The amount was initially refunded to me. Today ( XX/XX/2023 ) chase bank has revoked my credit card for the amounts previously refunded. Upon contacting them. They said that they dont know why the transactions were billed. This is a clear violation of their policy. I requested these transactions be removed from my card but with no answer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-26
Company: Paypal Holdings, Inc
State: WI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I have been affected by eBay not documenting fees and Paypal Credit and Bill me Later Option in not correctly documenting transactions, laundering money, including me int contractual binds and misusing my funds available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-11
Company: BMW Financial Services NA, LLC
State: CT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
The payment amount on my loan with BMW Financial Services should be lower. At time of purchase the sales manager at the dealership, XXXX, stated it would show XXXX down but I was actually putting down XXXX. He also stated to give him the XXXX difference in cash and that the dealership makes enough, he needs the money for himself. Needless to say, I did not give him the money, it was supposed to go towards the loan. Numerous complaints have been filed against dealership, as well as against BMW Financial Services. I understand they can not or will not lower payment amount by restructuring the deal, however, the account is now over 30 day past due and an extension will help me as well as remedy the matter. I did request an extension before and was told no, the account needs 6 months of payments.

Company response to consumer: Closed with explanation