BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi I am reaching out today XXXX, because of a deposit of a postal money order I made on XX/XX/XXXX. I deposited XXXX $ worth or money orders into my checking account. The money was to pay my rent which is due XXXX. The deposit was held for 7 business days due to an exception hold. I am not a new customer. I am in dire need of the funds or I will be evicted from my apartment. I spoke with representative XXXX in the deposit apartment at XXXX PT and informed him of my situation. His snark attitude threw me for a loop. He explained he can not help me with the hold. I asked nicely to speak with a supervisor with which I was met with disdain and an uncooperative attitude. I was told I would not be able to speak with a supervisor as they would reiterate what he said. XXXX cut me off while I was talking and was being rude. I threatened to call CFPB which motivated XXXX to get his supervisor on the line. I then spoke with XXXX, who is the floor supervisor. She advised me that due to being a XXXX, my postal money order was unable to be verified and the hold would remain for 7 business days. If I dont pay my rent by the XXXX I will be evicted and homeless. 

Is there anyway I can have access to my funds by the XXXX to pay rent? 

Thank you

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 2016-02-24
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have been trying to get a name off a title and and do a title state change for 5 months. 
As of now it is still not finished. 
I moved from XXXX to XXXX in XXXX. I called to ask about the name removal and state change. They said I did n't need to name removal and they would send me the papers I needed to register the car in XXXX. It took over 4 weeks and numerous calls before I received the papers. I found out that I did need to have my sisters name off the title. I have been making calls ever since. I have been told I was wrong, that it ca n't be done, that the papers were in the mail. That I did n't request the name removal, that I had to call the XXXX, that the titles dept had to take care of that. Then in XXXX they sent to papers to me then to the XXXX. I was told to check back in a few weeks. When I called back I was told the XXXX said I had to travel back to XXXX with my sister to sign papers. I called XXXX and was told we could have signed a POF then the company could handle everything for me.I called the company back and was told that was wrong, or that they did n't know where to send the papers. So as of now it is still not finished. To me either the employee did n't know what to do, or they acted very rude to me. Example was today. I spoke to a woman who said she was from the presidents office. She told me i did n't ask for a name change, then said I would have to travel to sign the papers, or the papers were in the mail and there was nothing she could do about it. She had no resolution for my problem. That there were XXXX states and she did n't know the laws in each state. I filed with the XXXX and they keep saying it is my fault. I asked for the interest back that I should n't have paid and all they did was state the terms of the loan. I had plans of paying off the loan in XXXX. I explained that to each person I spoke to. I finally went on line printed out the POF from that web site and submitted it. Again I was told I was wrong, or that all the paper work was not submitted and refused by XXXX. As of today XXXX/XXXX/2016 5 months later this is still not resolved. I am attaching their responses to the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: Southern Credit Adjusters, Inc.
State: NC
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:
I have no knowledge of this debt ; I never attended this college

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20
Company: ZIONS BANCORPORATION
State: UT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
A handwritten letter from another bank customer arrived tucked into official correspondence from the bank. 

The handwritten letter was from my parents who I 've gone to great lengths to severe ties with for safety reasons. The letter addressed a banking request ( they wanted me to remove my name from their safe deposit box ). The letter then included personal questions and information about my children as well as a request to restore contact with them. 

This is a completely unacceptable breech of my privacy. Any request to remove my name from a safe deposit box should have been handled by the bank exclusively.

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 2016-11-29
Company: ZIONS BANCORPORATION
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
On XX/XX/2016, I attempted to withdraw {$60.00} from a Zions Bank ATM machine located at XXXX XXXX XXXX XXXX, XXXX, UT. During the transaction, the machine malfunctioned and the door closed before I could extract my entire withdrawl. I was able to retrieve a torn {$20.00} bill ; however, {$40.00} went back into the machine and the door closed. I attempted a XXXX transaction immediately following the XXXX for {$20.00} to see if I could get the original {$40.00} to also release from the machine. It did not ; therefore, I was shorted {$40.00}. Later that day, I went into the Zions Bank branch and spoke with the manager. She advised that I would need to file a claim with my bank, XXXX, and ask them to open an investigation. She stated that they would ask Zions to provide an audit report that would show that the machine did not balance the day I attempted my transaction, and that they would be able to issue a refund. On XX/XX/XXXX, I filed the claim with XXXX. They issued a provisional credit and began the investigation. On XX/XX/XXXX I was notified that the ATM owner denied my claim, XXXX was reversing the charge, and the case was closed. I contacted XXXX 's claim department advising them that I was unwilling to accept the outcome, and they advised that I file a rebuttal. I submitted this form on XX/XX/2016. XXXX responded saying that, because I provided no new information pertaining to the case, they were not going to reopen the investigation. I asked them who provided the documentation used to deny the claim and specifically what information was provided. XXXX advised that Zions Bank provided a transaction report showing that the transaction took place. I asked if they also received an audit report, and they stated that the records did not indicate that Zions provided this. A transaction report should never have been accepted as reasonable documentation. I 'm not disputing that the transaction took place. I did attempt to withdraw {$60.00} from a Zions Bank ATM on XX/XX/2016. What I 'm disputing is that I did not receive all of my money from this transaction. Without an audit report that shows that this machine actually balanced on this date, Zions has failed to provide sufficient proof supporting their denial of our claim. Now I 'm short {$40.00} and neither XXXX nor Zions Bank seems to want to pursue the case to a reasonable conclusion.

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 2015-07-08
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Got an auto loan in the amount of XXXX paid down to XXXX car was repossed and sold, now they 're saying I still owe the XXXX. They took this matter to court, now I have to make monthly payments of {$100.00} until paid in full, and still do n't have the car

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I have a payment scheduled for the XXXX of each month with a ACH on file, i called the representative XXXX XXXX yesterday ( XXXX/XXXX/15 ) and asked her why has n't the payment came out of my checking account yet. She states that it may take a few days after the due date to come out, she asked if it does n't come out by Friday XXXX then give us a call back. The representative XXXX XXXX calls me today saying that the payment came back NSF, i asked and asked me if i SPENT THE MONEY. I, then asked her why would i spend the money if i called you yesterday to check on why has n't the money come out of my checking out. i told her she being rude and that i did n't want to speak with her anymore and please put a manager on the phone. XXXX start yelling at me saying that all the managers were " in a meeting '', so i asked her to put another rep on the phone. She stated no i will give the manager a message that you called, i asked her what was her last name and she stated " My name is XXXX with XXXX, i do n't have to give you my last name. I hung up on the rep and called back and spoke with a man ( which he refused to give me his name ) but did provide me with XXXX 's last name ( XXXX ). I explained the situation to him and he transfers me back to XXXX and she tells me that the managers are still " IN A MEETING '', mind you that neither XXXX of them gave me the MINI MIRANDA OR QUALITY ASSURANCE. I spoke with the operation manager XXXX he was very nonchalant about the situation and really did n't care in my opinion. He to did not verify my identity or give me the MINI MIRANDA OR QUALITY ASSURANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
XXXX XXXX deleted a car loan, a good account, without confirmation from me. It is a good account. I would like the account put back on 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 2016-07-08
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I previously held an American Express Blue card ( " Blue Card '' ). I cancelled the Blue Card on or around XXXX XXXX. I also hold an American Express Corporate Card ( " Corporate Card '' ) through my employer. On two separate occasions, in XXXX XXXX and now XXXX XXXX, I have been charged the Corporate Card American Express Membership Rewards Renewal Fee on my closed Blue Card. When I have called American Express to resolve, it is explained to me that there is a " link '' between the Corporate Card and the Blue Card that is causing this to happen. This is not acceptable. The Card was closed by me and should not be accessible for any reason. Additionally, this charge shows up under the closed Blue Card account on my respective credit reports, which can negatively impact my credit. I respectively demand that AMEX dentify how my Corporate Card is still linked to the Card and remedy the situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-09
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I had co-signed a loan for a XXXX XXXX in 2012 for a friend. I am the make because my credit was more impressive than hers. She fell behind on her payments as she no longer could afford the almost XXXX dollars a month payment. This is falling back on me. My account is currently on my credit report showing that it is in collections. I am currently on social security and XXXX which stops them from collecting anything from me and I was receiving when I signed off on the loan.They send me letters from time to time. I do not want this to backfire on me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: Professional Debt Mediation, Inc.
State: FL
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:
I rented a condo from a rental management company, XXXX XXXX XXXX XXXX. After moving out when the lease ended I noticed they placed a large debt on my credit for {$5700.00}. I have no idea why or what it 's for. I 've emailed the rental management company ( XXXX XXXX, the owner ) twice and both times she responded it was an error, that it would be corrected. I 've disputed several times to credit report agency with not results. I do not owe this and the management company never answers my calls or requests. The owners of the unit ( investors ) XXXX XXXX XXXX will not respond either. I will say this, while I lived in that condo their accounting was terrible. They 'd place late notices on my door when the rent was already paid. I 'd call and it would take days for them to get back to me and verify they located the rent I 'd sent. Now this. This is not my debt. I have a copy of the rental lease, the correspondence between myself and XXXX XXXX, the rental agent that managed the property and the collection notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: Paypal Holdings, Inc
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
This email relates to PayPal Credit. I have held a traditional PayPal account for some time. Last month, I paid a bill to XXXX and was offered Paypal as a payment method. With a positive balance in my account, I was under the impression I was paying from my balance. 

However, 3 weeks later I received a statement and terms and conditions for something called PayPal Credit. This was completely new to me, and not a product XXXX either wanted or was clear I had signed up for. 

I called PayPal this evening to understand what this was, and was purely told it is something I had signed up for and terms and conditions can be found online. The attendant informed me that this had made a hard pull on my credit history, which is most concerning. I have worked hard to build a secure positive credit history and take great efforts to keep this as a true reflection of my credit history. 

I 've now paid the balance in full - to prevent any charges - but remain very disappointed and entirely misled by this product offered by PayPal. I am a XXXX year old XXXX and feel I am astute and thorough when I manage my money but this has totally shocked me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-21
Company: Columbia Recovery Group LLC
State: WA
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:
Columbia Recovery Group is continuing to report misleading and inaccurate information on my credit report. Which is a tatic used to keep my credit score low. Account reporting XXXX MONTH TERM, How is this possible? I never enter into any contract or signed any documents with this collection agency. They have no right the furnished any information on my credit report. I never gave them any permission. They should be shut down. They are taking advantage of XXXX like myself. They are adding stress to my life and is making it impossible for me to obtain credit. I have only few weeks to buy a home but Columbia Recovery Group is making impossible by reporting misleading and inaccurate information or my credit report. 

All data reporting must be 100 % accurate, 100 % verifiable and 100 % timely or it must be DELETED. PERIOD!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: American Financial Resources, Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage loan was modified in XXXX by XXXX XXXX at that time an escrow analysis was completed and my payment increased {$17.00}. My loan was transferred to American Financial Resources in XXXX XXXX. I recently recieved a statement from this company advising that I have an escrow shortage of {$2000.00}! I called and spoke with a customer service rep who was rude, and basically told me yes the previous servicer did not complete an escrow analysis which is a direct result of the large shortage but we cant do anything about that now as the new servicer and the funds were already advanced to pay your taxes. This is a clear RESPA violation that no one wants to take responsbility for and put it on the consumer. This money should not be only me to come up with this is the servicers error and they should take full responsibility and take the loss! I then emailed the servicer requesting an escrow spread as I do not have the funds to pay the shortage in full and beginning XXXX/XXXX/XXXX they are increasing my payment {$180.00} to cover the shortage over 12 months. I can not afford this error that was not mine I pay my mortgage payment and it is the responsibility of the servicer of my loan to pay my taxes and insurance out of my escrow account and to also review annually to ensure funds are available for these advancements. I am a single mother, living paycheck to paycheck and i refuse to be taken advantage of my money is hard earned! I have not heard anything back from the request to spread the escrow shortgage over 5 years and the request was sent XXXX/XXXX/XXXX. I will not stop here with the complaints I will make a RESPA complaint as well as go to the media and social media if necessary, please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: Paypal Holdings, Inc
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I made an ACH payment to my PayPal account on XXXX/XXXX/15. I have repeatedly called about the receipt of my payment and the status of my account. Although several customer service agents told me they could see the receipt of the payment, the last one told me I would be able to see it on the XXXX XXXX statement. 

This being XXXX XXXX, I went to the PayPal login page and I was denied access. I spent almost 20 minutes on the call in which I was finally given a new login ( after I was told my account user name was an email account I have n't used for almost 10 years, for example. There was other nonsense in the call all, it seems, was arranged to prevent access to my account. ) My repeated requests to have my call escalated were rebuffed and accompanied with more requests to verify personal information, the last and final was information about my bank account beginning with the routing number. At that point I terminated the call and contacted the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: Paypal Holdings, Inc
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Paypal limited my account and withheld my funds with no explanation. I have called them and written to them. In the phone call, they did not provide any solution. They replied to the first email stating that it 's for " security reasons '' without informing me what kind of " security reasons '' those were. Second email went unanswered. 
I previously received two emails 1 month and 2 months ago respectively informing me the uses / limits of their paypal MyCash product, which I promptly complied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: The Regional Adjustment Bureau, Incorporated
State: VA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have student loans with XXXX and XXXX, I 've spoken with both of them and they both still have all of my loans. They 're in repayment. However, the Regional Adjustment Bureau has been harassing me and other people about my loans. They call my cell phone multiple times a day. They 've called my ex-husband, they 've called and mailed my dead grandmother. It 's straight up harassment. I do n't know how they even got all of this information. My grandmother died last year and they 're sending debt letters to her house with crazy amounts on them. How they got the new cell phone number of my ex-husband, who I was n't even married to until years after I had graduated from the college for the loans is insane. They 're ridiculous.

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 2017-02-25
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have disputed this debt twice for it does not belong to me. I have just been out of XXXX for a year or so. I was a kid and under age, not responsible for this debt.

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