BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
When I used the ATM at the Bank of America XXXX branch on XX/XX/2017 I asked for {$50.00}. The teller assist told me they did not have the denominations I asked for but could press a button and the machine would send out what it had to make the {$50.00}. I said that was fine and the machine sent out XXXX {$20.00} bills = {$1000.00}. I had my kids in the car and did not go in to the branch to fix it. On XX/XX/XXXX, my account was debited {$3000.00}. I called immediately when I saw the transaction on line and XXXX in the ATM fraud department claimed I had a stack of {$100.00} 's on the camera, which is not true. I told her I received a stack of {$20.00} 's. She was very rude to me and told me to go to the branch where I could " see footage ''. I made an appointment to go in the next day. I went in and met with XXXX who was extremely sympathetic, professional and did what she could to help. However, she said they do n't have the footage there and that is not what I should have been instructed to do. On Wednesday XX/XX/XXXX I received a notice from B of A that my claim had been closed and that no credit could be given. I was told to call a number to receive the documentation. I called and asked for the documents so I could file a police report. I spoke to XXXX in Arizona who escalated to her manager, XXXX. They told me I should hear back in XXXX hours - that should be today. I did not hear back and called again and spoke to XXXX in Florida. XXXX told me they were escalating the claim and I should hear back in XXXX business hours. I feel like Bank of America is giving me the run around. Surely I was not the only person who used that machine on XX/XX/XXXX. No one can tell me where the {$3000.00} came from - when according to my calculations I owed Bank of America {$950.00}. Now I 'm at a deficit of {$2000.00}. I 'd like to hear from someone at the Bank who can show me proof that I received {$3000.00} and otherwise I want my money back. This began as a Bank of America error with whoever loaded the machine. I need someone who can give me an answer. I keep getting the XXXX hour runaround and no one who will give me an answer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: PINNACLE RECOVERY, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In XX/XX/XXXX I made payment arrangements online for a balance owing. A week later I was contacted by XXXX stating that no arrangements were made and he was not seeing it and that he will be calling me every two weeks. I had to explain to him what was done and that arrangements were done within his company website. He then asked me to fax a " resolution confirmation ''. I faxed him the information right away thinking that I was no longer going to be harassed. Today I receive another call regarding the same issue. I checked my account to make sure payment was taken out, which it was, but 3 days earlier than the agreed date. I spoke with XXXX again and I informed him and let him know that I was being harassed because arrangement was made and I faxed everything and still receiving calls. He sent me over to his supervisor, which was incredibly rude with no customer service. Informed him that I was being harassed and not feeling comfortable every month someone calling me and questioning me if I made a payment. Especially after payment has been made. Let him know that my bank account showed that they took payment 3 days earlier than agreed and he kept telling me that payment was made on XX/XX/XXXX let him know it was drafted on XX/XX/XXXX. He just kept saying " no it was n't ''. Told him I have proof in my bank statement. He said send it to him. He was very curt and rude. Let him know I did n't appreciate his attitude and he asked what did I want. Told him his first words should 've been " I 'm sorry for the inconvenience '' and in a condescending voice he said it and to email him the information. At this point I felt worst speaking to a supervisor than the customer service representative that I just hung up the phone. No one should be harassed, especially after making necessary arrangements and then being treated with such disrespect It is not my fault they are not coordinated with their web page and ca n't see people have already made payment arrangements. They need to get there issues resolved and stop harassing people and wasting people 's time.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-07
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Opened a new account at Chase. Made my first {$9000.00} deposit and then three days later went to the bank to make an additional deposit. Was told by the Branch Manager that my account was restricted and could not be used and that she did not know why. She or I had to call the XXXX # to find out. Upon calling the XXXX #, they confirmed that the account was suspended because they needed to check the validity of the check that was deposited and contact the writer of the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
On XX/XX/21 I received an email from Brink 's Money Prepaid Mastercard that stated that my card was on its way in the mail but I had never actually signed up for the card. I tried to call Brink 's Money but could not get through to an actual person. I have recently been a victim of identity theft and I'm not sure if someone else tried to order a card or if this is just marketing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My name is XXXX ( formerly XXXX ). I was just made aware of the class action suit against Navient and realized that the 3 times my husband lost his job, I asked if I could make lower payments based on my income and was told absolutely not. I was informed that my one and ONLY option was to forbear these loans while gaining lots of interest. I had no choice but to forbear my loans because we needed to keep our heads above the water. I TRUSTED THAT NAVIENT WAS GIVING ME HONEST INFORMATION!!!! But now I found out that Navient has systematically and illegally failed me at every stage of repayment, and I believe a lot of my interest was unfairly gained due to the FALSE and UNSCRUPULOUS communication that was given to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My husband and I took out a federal funded consolidated student loan to put our son through college. Our initial loan in XX/XX/XXXX was for {$120000.00}, now on XX/XX/XXXX is {$130000.00}. Also, in total we had a XXXX loan, XXXX loan and XXXX loan. We paid off the XXXX and XXXX loans totaling approximately XXXX. I would like to know how the loan increases and not decreases. We do n't mind paying off the loan for a college education, but paying {$170000.00} in interest is ridiculous. I have written to XXXX XXXX ( Navient ), Senator XXXX XXXX, XXXX XXXX XXXX Department of Education, Senator XXXX XXXX, XXXX XXXX, XXXX XXXX, President Barack Obama and the XXXX with no help, just automated letters received. I went to XXXX to see it I could apply for a loan and an interest adjustment and they told me that because my husband did not have a college education, they could not give me a loan. We are middle class and struggle every month of make the payment of {$1000.00} for this student loan. My son also has his own loan with XXXX XXXX for XXXX. He lives on his own out of state and struggles to pay something every month, and is always being harassed by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: KEYCORP
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I bought a car that was financed by First Niagra bank. A year later, first Niagara merged wit a bank called Key Bank. Since this merger I have had issues with payment. Anytine I make a payment, they tell me they do n't receive it. But when i check my bank statement it shows that the payment was taking out. I have been calling since XXXX to resolve this problem but to no avail. They are very incompetent and very unprofessional. I have had debt collecting call since XXXX and I 'm not even at fault. The worst part is that it has wrecked my credit score. My credit used to be very good and now its below average. I 'm a young woman who has been working very hard and going to school so I can have a great future and a good life. That seems like a dream now because of this problem. I will be going to XXXX school next semester and I dont know how I 'll get a loan with my credit score the way it is right now. I am frustrated and do not know what to do. To anyone reading this, please stay very far away from Key Bank. They are horrible and could ruin your lives. In America, you need good credit for everything, when it ger ruined or wrecked you are XXXX. You can not buy a gouse, rent one or even buy a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Our issue has to do with the impartiality of Wells Fargo lack of Home Appraisals dispute process in their Home Refinance package. We as customers are totally removed from this process and ultimately we 're charged a high fee.

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 2016-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have a bank account with BoA where I have been a account holder for over 16 years, I have my mortgage and direct deposit with them. I requested overdraft protection with them on my regular checking to be funded by my direct deposit account, instead it was setup backwards, now I am not sure how it occurred but the bottom line is I have over a {$100000.00} dollars in cash and bills flowing through them every year. I guess I am so small that they need to charge me for fees that I should not have been charged for and then can easily tell me no we will not help you. I called on XXXX/XXXX/2016 to their help line and was told no we can not help you. I am going to begin to move my funds away from them ASAP but just wanted to file a formal complaint on a company that does not care about it 's customers. I know they see all of the cash flowing through my accounts and could have easily refunded the small {$35.00} fee. I know if XXXX folks ask for {$35.00} it 's XXXX but I am sure it is still a small amount compared to the XXXX they make and the salary of their CEO.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-07
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The medical company Central Financial Control refused to communicate to me why I have a medical claim on my credit report. I have attempt to call to rectify this matter and clear it from my credit report by to no response from them. I want this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
select port polio, our mortgage co or what ever they are now ( use to be XXXX ) kept going up on our payments to we could not make them any more. tried the XXXX, program. sent in forms to them over 6 times, each time they said they still needed this and that, the last several we just copyed and sent back, and after receiving the same application said they had what they needed. couple of weeks later we were turned down. was sent papers by local sheriff ; s dept, to be out by a certain date. later they offered us the cash for keys option which we had to take. because we had no other place to go. now were living in a small camper. I am XXXX, my wife is XXXX, and we have a adopted son that is XXXX. myself and wife are also XXXX and only draw a small amount each month.i know it 's useless to complain, but this company is going back to doing the same thing when they were XXXX capital. after being put out of our home for over 20yrs. I just they could have worked out something with me so I could keep my family in a home and not a camper. thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: AR Resources, Inc.
State: WI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was a patient of XXXX XXXX XXXX for several years and received care on a monthly basis. We had a disagreement about the medications I wanted and they terminated me as a patient. Over the years, each month they would bill XXXX and my medical insurance and receive payment for their services. When they terminated me, somehow they decided to bill me direct. They should have billed XXXX and my medical insurance and they would have received payment. I sent them a letter informing them to bill XXXX and my medical insurance and gave them the appropriate information for this ( see attached ). 
I should n't have to pay them for a mistake they made!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: SC
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:
It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response.In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: Cornerstone Mitigation
State: NJ
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I was contacted via text by my ex-husband on XXXX/XXXX/XXXX advising me that someone by the name of XXXX contacted him advising him that her company which is called XXXX XXXX XXXX XXXX were going to garnish my wages because of a so called unpaid payday loan from a company called CMG that I got some time in XXXX, they also contacted his sister. mother, and my mother and released the same information. When I called I was transferred to XXXX XXXX, and I asked why was n't I ever contacted she advised me it was because they had just gotten the case that week, I told her that has nothing to do with you people contacting people I 'm no longer in contact with and releasing personal information whether it bogus or not, I also advised that I have a standing credit freeze on my account due to me being a victim of identity theft, and that I never had a payday loan, she said before she hung up on me that, they have all the info they need and they will be at my place of employment to serve me with garnishment paperwork. I called the very next day XXXX/XXXX/XXXX, and got the receptionist, asked for the correct web address because I could n't find anything by searching on my on, and she refused to provide it, I also asked for a fax number so I could submit my documents from my id theft case, and she refused that as well. The number I called was XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2016-10-18
Company: Rocket Mortgage, LLC
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
QuickenLoans was well aware that an active dispute is present on my credit report. They requested and was provided a dispute explanation letter. I was told explicitly that I was financially approved. Now, with less than a week to scheduled closing, they are requiring the dispute to be removed before finalizing the loan. I have spent the last month working with the sellers to gather documentation and purchase insurance policies, sometimes missing work to get everything accomplished in time for closing. 

This dispute removal demand puts the sale at risk. If this loan is not finalized, I have wasted a month and lost money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had received a notice from the mortgage company stating that our escrow account is short. Which surprised me because I had contributed extra money towards the escrow account to compensate for the shortage. On XXXX XXXX, 2015 I had called the mortgage company asking for a review of the escrow account. I was told that the extra monies were placed in the wrong account and would be fixed and I would be receiving an escrow analysis in the mail in 7 business days. As of today, I never received an analysis or an explanation to where the money had gone. I had also sent a letter regarding this with my XXXX mortgage payment, still with out any reply. I do n't feel that they should n't be allowed to play with my money without a clue to where they put it. I feel this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: BB&T CORPORATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Susquehanna Bank, did not route my check properly. Did not disclose the terms of collection of Cashiers Check. Then Susquehanna filed Criminal Charges stating that I forged a check, Due to Susquehanna Bank Discretionary, practices, they have since, change the name to BB & T, which has also caused Financial Discrimination recorded by XXXX. My attorney will be filling International Criminal Complaint under the Mines and Mineral Act to be serviced by the Director of International Finance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: U.S. BANCORP
State: IN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
This is a follow up to my earlier complaint I filed back on XX/XX/2017 Case number ( XXXX ) I was told on XX/XX/XXXX by XXXX that my coordinator could resubmit this application for a Government CC and XXXX would go ahead and process it. My coordinator followed the normal steps and sent everything to the Attention of XXXX and left a few voicemails as well but no calls were returned. Then on XX/XX/2017, she was given notice again that my request is denied due to me already having an opened account. I was also told by XXXX, that a XXXX would have to fix the old card issue as it is considered identity theft and he works on that issue. I called XXXX twice but no call has been returned. 
I am so frustrated by the misinformation and XXXX I am having to go through for something that happened over 24 years ago by some company I have never heard of. Ive read that US bank was ordered to pay millions to consumers for bad dealings by your agency, ( CFPB ), yet I ca n't get them to release my name and SSN from a false account from over 245 years ago. Where is my justice and how do I get this matter resolved? 
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 non-monetary relief
Consumer complaint received 2016-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX, TX XXXX has been vacant for more than 12 months and has become a health and safety hazard for the community. The property is not well maintained and the HOA is not able to collected needed assessments from this property to help pay for services the HOA provides the community to help maintain property values.

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