BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-16
Company: REGIONS FINANCIAL CORPORATION
State: CT
Product: Credit card
Issue: Billing statement

Complaint:
Our company has been using XXXX XXXX Mastercard for about a year. 
It was attractive to our company because it allowed us to use the card at select Big Box Stores ( XXXX, XXXX.. ) XXXX there was an internal change, customer service was moved to XXXX and during this change we were unable to view our invoices. Called several time to explain that the invoices were not available. They assured me that during this transition we would not be shut off. They also assured me that we would not be responsible for late fees or interest during this transition. Well we were shut off and were forced to pay the late/interest fees to get it turned back on. I explained that we were unable to make online payments and they said they were working on it. Also explained that all charges from big box store were not broken down, no description was given as to the hundreds of dollars spent. Again they reassured me that the IT department is working on this. We have decided to move our business to another company, as we feel it is unfair that we are promised one thing from customer service and then told another after we have been shut off. 
Informed supervisor XXXX of all the false promises, she said her hands are tied. 
Must make payment including late fees/interest for invoices that are incomplete and unable to make payment online. 
Used to be a good company gas card, now that it moved to XXXX it has been a disaster. 
WOULD NOT RECOMMEND THIS GAS CARD. 

They explained there was trouble with the

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 2016-07-15
Company: Pinnacle Asset Management, LLC
State: TX
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:
My name and my father have the same name and our social security numbers are off by XXXX digit. My father had an account with XXXX that went to collections. I currently have a XXXX account that is in good standing and always has a credit going into the next month. I disputed the debt to have it removed from my credit reports. Pinnacle ( after removing from credit reports ) sold the debt to XXXX and they are going to report it. When Pinnacle sold the account they did n't sell the entire record showing the disputes from me. I called Resurgent to see what I needed to do, they asked for my name and social security number, I provided both, they said " ok, we will associate this name and social security number with this account now. '' I have no idea what to do or how to make this stop. XXXX told me they could just keep selling the debt and they do not have to provide full records so we could keep having this issue in the future. They also told us our only option was to file a police report for identity theft. We called XXXX - XXXX does n't have this past due account associated with my social security number in any way. XXXX says when they sold the account to Pinnacle they used the social security number for my father. So he did n't steal my identity Pinnacle and XXXX just used my information.

Company response to consumer: Untimely response
Consumer complaint received 2016-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
At Transunion I spoke to a Supervisor named XXXX. I have approximately XXXX hard requests that are not mine. He told me he could not dispute them. I had to call them individually then make a police report for FRAUD. I called each XXXX they say they have no applications for me so then it was an error. I ca n't get letters so They will not take off my report. The police said they need to do there job. If there are no reports then there is no fraud.

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 2023-01-05
Company: I.C. System, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account was charged after being closed. Reached out to XXXX XXXX XXXX to resolve the issue and got no resolve. Also the company is not licensed to collect in Alabama nor Missouri.

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 2016-08-01
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
i opened up an account at TD Bank located at XXXX XXXX NJ XXXX approximately 3 years ago for the purpose of converting collected coin for cash. this account was a NO FEE account and on my visit to the Branch on XXXX XXXX, 2016 I was informed the account was closed but they could not provide me any details as I had approximately {$110.00} balance a branch associate XXXX requested reports and promised to call me and never responded and again called back on XXXX XXXX and promised XXXX XXXX the branch manager would call me. Today I called back and found out XXXX is no longer t here an XXXX is on vacation. my account should never have been charged a fee as that was a special account I was told is now grandfathered and should keep it open. I am entitled to my funds and want it returned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-29
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have Chase Freedom credit card account for over a year set up for AutoPay. A month ago they sent me a letter stating that they were gon na close my account for not receiving minimum payments. I received that letter too late because it was misbelieved to my neighbor 's mailbox, however I called to Chase and questioned why they do n't deduct my minimum payment from my linked checking account as they used to do the entire year. The Chase customer service representative advised that it was a system error and I should of disregarded that letter. And a week ago, on XX/XX/2017 Chase sent me another letter stating that my account was closed. When I called to Chase again they started lying to me that I never questioned them regarding that misdelivered letter which they sent on XX/XX/2017, however another Chase customer service representative was able to locate my call on XX/XX/2017. Now Chase representatives keep exercising their prejudice, misconduct and dishonesty blaming me for not figuring out how to make minimum payment by mailing it even thought they would not receive it anyway on time because I got their letter too late because it was misdelivered to my neighbor 's mailbox. Chase website also did not accept my minimum payment because it was set up for AutoPay for over a year, and my minimum payment was always timely automatically deducted from my linked checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: EVERBANK, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We paid off a mortgage our in XX/XX/2017 with Everbank Mortgage. Everbank has sent us the recorded satisfaction mortgage, but will not send us the original note marked PIF. Contrary to its assertion, we were not given original notes or mortgage at closing ( I know of no lender that gives originals to consumers at a closing ). We need an original note marked PIF, as no lender should retain an original note that has as been paid in full. It could be used fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Paypal Holdings, Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I had submitted some disputes with Venmo regarding unauthorized use with my Venmo debit card account. There were multiple charges of the same kind relating to : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX During the investigation, Venmo had approved and closed out claims relating to the charges above but the had denied the other unauthorized charges with the exact same merchant description or deducted some provisional credits that was were given causing me to go into negative and having to use any of my own funds to bring it back my account back to positive standing. 

I want to know why Venmo determined that I was at no fault for previous unauthorized charges but the denies other charges from the exact same merchant description? I had brought this concern to Venmos attention and they AGREED that there was a mistake and told me in an email that the previously denied charges had been approved and I should see those credits back in my account. After that, I had not received any credits nor had I heard any further updates. When I tried to get back in touch with them MANY times to get an update as to what is going on, they had ignored me or just gave me the run-around and couldn't get any clear answers as to what was goin on. When I had raised the issue further, they decided to close my account down and I can no longer do business with them? 

Some examples of the APPROVED charges that were in my favor are as follows ( not all approved are listed. just examples ) : XX/XX/XXXX XXXX  XXXX- {$27.00} XXXX XXXX XXXX XXXX- {$70.00} XX/XX/XXXX XXXX XXXX- {$30.00} The following charges that they provided provisional credit for but then deducted later are : XX/XX/XXXX XXXX XXXX {$50.00} ... date of denialXXXX ... date funds were debited XX/XX/XXXX XX/XX/XXXX XXXX XXXX- {$50.00} XXXX date of denialXXXX XXXX.. date funds were debited XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX {$75.00} ... date of denialXXXX  ... date funds were debited XX/XX/XXXX XX/XX/XXXX XXXX XXXX- {$70.00} ... date of deniaXXXX ... date funds were debited XX/XX/XXXX XX/XX/XXXX XXXX XXXX- {$50.00} ... date of denialXXXX ... date funds were debited XX/XX/XXXX The following charges are ones that had were instantly denied with no fair investigation and no provisional credits provided : XXXX XXXX  XXXX {$80.00} XXXX XXXX XXXX- {$65.00} XXXX XXXX XXXX  {$50.00} XXXX XXXX XXXX  {$130.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$100.00} XXXX XXXXXXXX XXXX {$60.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-09
Company: Southwest Credit Systems, L.P.
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:
This fraudulent account I have contacted Soutwest credit about multiple times will not remove this collection account from my credit reports, after I asked for proof this is my debt the only sent me a bill, a bill is not a justification of debt. They never sent me a signed copy of my contract with them or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Blitt and Gaines, P.C.
State: KS
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Collection I received a dunning letter signed by XXXX, an attorney. I sent a timely response disputing the alleged debt and demanding that he cease and desist from any further collection activities until he validated the alleged debt. 
The attorney filed a lawsuit against me within the thirty ( 30 ) days. I have had to defend in court while another attorney continued to send dunning letters without validating the alleged debt. 
In court, XXXX, the attorney for plaintiff is shifting the burden of proof onto myself, the defendant.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
I had XXXX home equity line on property A, for several years, and had a balance of approximately XXXX in XXXX 2014. I purchased another property ( property B ) for which I paid cash and I moved into it. For months I worked with TD bank to close the LOC on property A and take out an LOC on property B to pay off the XXXX XXXX Property B appraised at XXXX and I have a credit score over XXXX. I sold property A and had to find cash to close the line on property A all due to sheer incompetence at the local office ( XXXX XXXX XXXX, XXXX, CT ) working with an agent named XXXX and a Manager named XXXX XXXX. XXXX XXXX no longer works for TD bank. I finally secured the LOC by working with a women in their corporate office in New Jersey named XXXX. I had to close on the LOC at the local branch on XXXX XXXX XXXX, XXXX CT, again with XXXX and XXXX XXXX. At that time XXXX XXXX seemed to take all the credit for obtaining this loan for me, which he did nothing, and while XXXX tried I am not sure he ever knew what he was doing. At that time I expressed my concern about all the lost time on my new LOC, as I was worried about running into prepayment penalties. XXXX XXXX conveyed to me that if should become the case we could work something out. I received nothing in writing. I signed the documents, opened the new line, and now I have closed it 16 months into a 24 month commitment. They charged me the full {$450.00}, I tried to, work, it out with them, but between being on hold for hours, telling my story over and over, the new ( as of 5 months ) branch manager at the local branch told me to go pound sand. I am extremely frustrated at their lack of continuity, respect for customers time, incompetence in creating this situation in the first place, and unwillingness to try to reach any sort of amicable solution. I do not know if I have any legal grounds to stand on but certainly want them as well at the banking commission to know of my displeasure. Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-29
Company: Navient Solutions, LLC.
State: LA
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
i had loans that were with navient yhat were reporting late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, i spoke to coustomer service and we determined that i was in deferment or forberance at those times so my credit report should not be showing late. they said they were gon na fix it but nothing has happen yet

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Mobiloans, LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Mobiloans LLC is trying to charge me a Usurious interest rate of XXXX XXXX on a loan of {$1800.00} Account Snapshot XXXX Approved Credit Amount {$1800.00} Current Principal Balance {$1700.00} Current Fees {$230.00} Total Account Balance {$2000.00} Total Past Due {$150.00} Total Amount Due {$300.00} Scheduled Payments XX/XX/2022 Past Due Payment {$150.00} XX/XX/2022 Minimum Payment Due {$150.00} Transaction History : See Attached Transaction Summary

Company response to consumer: Untimely response
Consumer complaint received 2017-01-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Select Portfolio has the correct address for me. I have notified Select Portfolio of my new address ( or addresses ) pursuant to the Select Portfolio 's requirements for receiving a notice of a change of address.They allegedly sold their servicing rights on XXXX XXXX, XXXX. Select Portfolio did not follow the law regarding sending a notice of transfer 15 days prior to date of transfer. ( See 12 C.F.R. 1024.33 ( b ), and CFPB Bulletin XXXX, Date : XXXX XXXX, XXXX, Subject : Compliance Bulletin and Policy Guidance : Mortgage Servicing Transfers )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Whenever I put my money in my bank, it seems the money gets recorded as next day 's transactions ; It does not matter whether transaction is cash or check or mixed items. I keep getting filed overdrafted because of this. This should not be happening. I also get charged monthly fee every time because of this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-06
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I contacted navient to inquire about payment options and try to set up a payment that reflected my income. Navient gave me no options at the time to adjust my payment options and rejected my request for forbearance. Then, all of a sudden, after struggling to pay the minimum amount due and falling further and further behind - Navient randomely sends me an email saying " reply yes to this email '' to opt into forbearance. So of course, thinking there still wasnt an option to adjust the payments based on income, i opt into forbearance. Again and again and again. Just pushing my total higher and higher. Navient purposefully evaded offering me alternative options and subsequently pushed towards forbearance all so they can make more profit. This is unacceptable. When i got my original loans through XXXX i didnt have a choice on loan servicer. Certainly didnt have a choice when they switched things up with Navient. These are forced on students at the federal level with federal funding. As a taxpayer i am outraged that i help fund the very institution that is blatantly taking advantage of me and evading my efforts to successfully pay off my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I am a victim of identity theft. 

A target national bank account is appearing on my report that does not belong to me. after multiple disputes, and requests for verification, this company has refused to respond with any information on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: Diversified Acceptance Corporation
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Final debt of {$250.00} after insurance payment is being paid today XXXX/XXXX/2016. The total amount was {$3000.00}. They are charging {$430.00} in interest which we are disputing. We feel that the amount of {$430.00} applies to the {$3000.00} full amount that we are not liable for, we can see paying about {$50.00} in interest, but not {$430.00}!

Company response to consumer: Untimely response
Consumer complaint received 2022-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2022, I logged on to my Bank of America online account and noticed an additional phone number and email address that are not mine, nor did I add them to the account. On XX/XX/2022, someone added accounts to my existing bank account. I have all alerts set up through BOA, but they did not contact me. The phone number and email were deleted once I called BOA. Since my account had already had fraudulent activity, it is beyond my understanding how BOA could allow an additional phone number ( used for multi-factor authentication ) and email addresses to be added to my online bank account. Upon speaking with the fraud department I was told they do not have any explanation for why this was allowed to happen nor can they protect my account from this happening again, since it appears someone has my social security number and name.

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 2015-07-15
Company: Abbott Osborn Jacobs PLC
State: MO
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This account was previously submitted to XXXX Attorney General 's Office for illegal collection practices. I later was informed that Attorney General 's Office of XXXX was unable to locate holder of account. This account has since been to sold numerous but I was not notified, thereby accumulating massive fees without my knowledge. After reviewing credit report and numerous phone calls, I was connected with Pech-Huges of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. Upon speaking with individual, was informed of an expected payment amount with-out seeing the actual balance owed in writing

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: GREAT LAKES
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I moved back to the US in XXXX after living in the XXXX for 6 years. While in the XXXX the Dept of Education refused to accept payment on my loans so I could not make payments even though I regularly called and begged them to take my money. That added up to a LOT of fees and interest that I do n't believe I should have to pay because it 's not my fault. I tried to pay them, they just would n't take it because I did n't have a US bank account. I offered to pay in a number of ways, they refused. Now I 'm stuck with a huge amount of additional interest and fees and a shattered credit score. The XXXX told me to talk to my loan servicer once my loans came out of rehab with a collections company. I just spoke with Great Lakes and they said there is nothing they can do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Have tried three times to receive my report as well as have is verified and updated, i have not received any response and need to do have it fixed

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