BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-22
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Everything started in XX/XX/2017, when I got a letter from Ideal Collections Services, who have been avoiding me ever since. I kept requesting a letter despite having documentation proving this debt is not owed. I raised a dispute with the organization before contacting the credit bureaus. which it was still not taken out. When I spoke to the manager, XXXX, she was quite rude to me and I told her that I had spoken to the original owners and that the bill had been paid, but that it had still appeared on my credit report and that of my roommate. Finally, we reached an understanding, and she suggested that I register for " Our Florida. '' a business that pays back rent ( for rent I do not owe ) I consented to this so that I could cross it off my report. I applied, waited more than three months, and was then informed that tenants whose rent is in collections are not reimbursed or credited the debt. I was deceived and told lies. It has been a complete nightmare going through this process. I have a right to accuracy and honesty under the CFPB and FCRA. This procedure was rife with fabrications. Please look into this business because I'm not the only one going through 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 2021-12-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
We received a fraud alert that an inquiry was made on my credit report regarding the opening of an account at USAA. I had a fraud alert placed on my credit file to alert all financial institutions. On XX/XX/2021, I received a debit card from USAA even though I NEVER opened an account with USAA. They have refused to work with me to resolve this issue.

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 2021-12-15
Company: EQUIFAX, INC.
State: OR
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:
On XX/XX/XXXX I received a credit alert stating that XXXX reported a new address update Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Oregon - XXXX XXXXm very concerned because this is definitely inaccurate and I believe Im being targeted for identify theft. 

There are other inaccuracies on my 3 credit reports as well. This is the most recent one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/2019 - {$530.00} XXXX XXXX XX/XX/2019 - {$50.00} - XXXX XXXX XXXX XXXX We had contacted the bank and disputed the amount five times about these two transactions and they declined both.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I closed my XXXX account in writing in XX/XX/XXXX because I lost my job. XXXX automatically put thru a fee for having their " premium '' account in XX/XX/XXXX. I was then charged late fees and interest on a closed account. I called in XX/XX/XXXX to confirm closing account and was verbally told all charges were credited off the account. I continued to receive late charges and fees and called both Comenity and XXXX to confirm account was closed XX/XX/XXXX and neither entity would issue credit for the premium fee, interest and late fees on the closed account. They continue to argue that I made a purchase XX/XX/XXXX, which was the " premium '' account fee. I never reopened the account so I should NOT have been charged a fee and I DID NOT make any type of purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-16
Company: World Acceptance Corporation
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I filed a complaint with the better business bureau. The company has reported that I am am delinquent on a loan that they have admittedly blocked me from paying. They have lied about me making partial payments as well as my ability to pay online. For some reason at the height of the Covid-19 crisis the company blocked me from paying any amount online they indicated that I need to come in to the office to make a payment. I am being harassed by the company. 

In addition the company is a loan sharking company that prey 's upon the poor and disadvantaged. I was presented with a loan application that included all types of unnecessary insurances and and XXXX insurance etc. The staff is forceful and rude when inquiring about the additional charges. As a result of being able to read, and being educated I was able to tel them to remove the excess charges from my loan. However as a XXXX XXXX that works with at-risk populations. This company should be investigated for loan sharking and taking advantaged of low income people who have little or no options. Its really sad people like this exist. I can defend myself but what about the old person on a fixed income or the single parent or the XXXX veteran. These people make a living scavenging on the poor.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
My name is XXXX, my grandmother XXXX who is a co-signer on one of my loans which was with XXXX before XXXX was taken over Navient Solutions.  Navient Solutions has harassed my grandmother XXXX for several months and are now stating that they are filing a law suit against her for payment on the loan.   My account has been in deferment because I am currently in school at XXXX, additionally, in XX/XX/2015 when I had access to my online account my deferment was still in place for my account.  My grandmother starting complianting around XXXX that she can not take getting several calls throughout the day regarding this loan.  When she finally talked with them she direct them to contact me...However, their first contact was through a mailed letter date XX/XX/2015, and since they have been speaking with my grandmother XXXX, I no longer have access to my account because they have deactivated my account as they have been pursuing and persecuting  my grandmother for payment.  They have given my grandmother a different account number for the same loan. When I call them to discuss the account they can not find my information. I just recently starter receiving letters stating that my loan is in default and that I need to contact them to make arrangements.  I want them to stop harassing and threatening to sue my grandmother for payment on this loan, because I have always been responsible for this loan by either making payments on this loan or having the loan in deferment due to my continue education status. Bottom line want them to work with me which for some reason that have chosen to harass my XXXX year old grandmother who is on a fixed income.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I bought products off XXXXXXXX XXXX  website on XX/XX/XXXX for {$120.00}. I returned this purchase on XX/XX/XXXX and was supposedly credited {$120.00} on XX/XX/XXXX. However, I was never credited anything because my bank account was still charged {$260.00} when it should have been charged {$260.00} - {$120.00} = {$140.00}. I called them the first week of XXXX -- sorry, I forgot the date. The customer agent claimed he created a ticket of the issue. By the end of XXXX, the money had not been returned. I called them back on XX/XX/XXXX, and funnily enough on their end everything looks good because the account was " credited '' with the return, but it wasn't as they still charged me for that product. The agent again claimed to have created a ticket about my claim. It's now XX/XX/XXXX, and I have not heard back AT ALL. Not an email, not a call. I am done dealing with their ineptitude and non-action, and I want my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-08
Company: CL Holdings LLC
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They were running a promotion..turn in my phone and i switch companies. And they charged me for my phone

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-17
Company: United Shore Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a 15 yr. fixed mortgage with Shore Mortgage and my loan was made in early 2014 with a PMI that was to be removed automatically when the LTV reached 78 %. My loan was for XXXX and the property had an accessed value of XXXX at the time of the loan. My goal was to pay off this loan in 10 to 12 years so I have made extra monthly payments that has lowered my LTV making it eligible for PMI removal.. My loan balance is now below XXXX and has exceeded the point where the auto removal should have been made. I contacted Shore mortgage and they want me to pay for a drive by appraisal of $ XXXX before they will remove the PMI. There is nothing in the contract about a drive by appraisal but I have no objection to this or even an inside appraisal but the fee for this should be on them. A real estate agent told me that she could quickly sell my home for XXXX. Now I am also told that if I do not pay the fee for the drive by that the PMI will continue until the date that would be the normal amorization of the loan for the 78 % if I had made no extra payments. This is a rip off and violates everything I have been told by Shore Mortgage represenatives as well as what is in the contract. What I want is for the PMI to be stopped and all overpayment above that required to meet the 78 % LTV to be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, a fraudster was trying to get my sim swapped in another state with XXXX. As soon as i realized this was happening I contacted Bank of America to take the necessary steps to protect both my checking and savings account. As a protection method I removed my then personal cellphone number so if they needed to authenticate me they had to use other means and a different phone number. I was assured that my account was protected. 

On Friday XX/XX/XXXX of XXXX I was again a victim of sim swap and this time they were successful. Not only they got the XXXX from XXXX but also they went to a Bank of America in XXXX XXXX California in a city that I have never lived in or do any transactions and withdrew XXXX cash form the checking account and XXXX from the savings account ( Bank of America has yet to tell me if this was cash or a check, I have no answer yet ). As the fraud was happening, I called the bank to alert them and they said the account has been secured, but it wasn't. Later that night I found out of the full amount taken. 
On XX/XX/XXXX I headed to my local branch and asked them about the process to get my money back, as expected they told me they had to perform an investigation and that with 7-10 business days they will mail or e-mail me some information about my case and then let me know about the investigation results. That day they refunded XXXX of the checking account and the week after that they gave me back the XXXX taken from my account, but nothing form my savings. 

I have been calling their fraud department, and I receive no answer as to the status of my savings and also they never communicate with me. No letter, no e-mail, no response form their team. At this point I was assured my money was safe in a bank but Bank of America has failed to refund my money or to give me any sense that they are working on the case. I asked them to send me information of the fraudster to submit to my local police so they can continue with the case and I haven't received it yet even though there are cameras and footage on the scene. 

I kept asking as to why did they send the verification text to the old number when I had already requested that number to be removed back in XXXX and no one gives 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 monetary relief
Consumer complaint received 2019-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Not my accounts

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 2015-08-21
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We financed our new home in XXXX 2015 with XXXX XXXX with reasonable assurance that our mortgage would n't be sold. In XXXX, JP Morgan acquired our loan and we began paying XXXX. I received notice today that XXXX XXXX Administration and Reporting will be our new servicer starting XXXX/XXXX/2015. That 's XXXX days notice and we only paid XXXX XXXX before our loan was sold. We have had bad experiences with mortgage servicers in the past who increased our mortgage payments greatly to cover escrow shortfalls through the year. It seems wrong that the owner of our mortgage can sell it every two months.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: JPMORGAN CHASE & CO.
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Chase Mortgage has refused my request for mortgage assistance. I have repeatedly requested a modification. Since Chase received a bailout, Chase promised to help consumers stay in their home. Chase has a pattern of not granting modifications to XXXX residents. 
Now that I am back working, I can afford my mortgage payments. Chase is trying to force me to sell. This is unlawful and needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Home Mortgage has been assuring customers that they are paying out their escrow to their Home Owners Insurance Companies, but are not doing so. I have had multiple contacts with the company, to which they do not update that I have called stressing the importance of this being paid. 

In contact with my Home Owners Insurance Company ( XXXX ), they have told me that Ocwen is notorious for not paying their homeowners escrow. I believe they are doing this for financial gain. Since HomeOwners Insurance is a contingency on a loan, Ocwen does n't pay a 3rd party, because if I lose my insurance ( which I did temporarily due to their negligence ), I automatically get enrolled on Ocwen 's very expensive Home Owners Policy. 

I was forced to pay out of pocket for my Insurance, even though my money is in the escrow account. Now I want my money back from Ocwen, and they are pretending that they have no knowledge of my request every time I call. 

They are able to keep my money and not pay me back, but if I keep my money and do n't pay them the due mortgage until they refund me, then I lose my house. This is XXXX banking at it 's finest.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
My Mother passed away after battling several illnesses including XXXX. As her Executor I have been made aware of a lien from XXXX for a debt they purchased from Chase. Thus far I have been unable to get anyone from plessler and pressler or XXXX to provide first hand knowledge of this debt and to prove it is not part of the recent CFPB XXXX Consent Order with Chase. Every communication has been strictly an effort to get the Estate to pay it without regard to my duty as the Executor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: CA
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:
The Credit companies are not complying with their own policies in a timely manner In accordance with the Fair Credit Reporting act child support Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX has 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 a account without my written instructions

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 2017-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My vehicle was traded to XXXX XXXX XXXX on XXXX/XXXX/16. The original contract was lost by XXXX XXXX XXXX XXXX which caused a delay in the funds being cleared for payoff. The delay and supporting documentation was communicated to Bank of America, but yet their customer service still reported it delinquent to the credit bureau, simply stating there was nothing they could do and that the reporting was an automatic process.

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 2016-01-25
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I 'm receiving calls from Navient/XXXX regarding someone else 's student loan. The phone numbers that contact me are XXXX & XXXX they are asking to speak with a XXXX XXXX , who I do not know.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-16
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This compliant is related to CFPB CASE XXXX AND TO PREVENT FORECLOSURE SCHEDULED ON XXXX XXXX, 2015. J P Morgan Chase Bank purchased Washington Mutual. Home Owner of Property servicer XXXX XXXX XXXX reported to be the servicer of XXXX XXXX XXXX. XXXX XXXX XXXX denied being lender. XXXX XXXX Bank reported XXXX ( loans service by others a department of XXXX XXXX XXXX was the actual lender. XXXX XXXX XXXX denied any department exist in XXXX XXXX XXXX. XXXX XXXX XXXX is foreclosing of home owner without proof of ownership. Chase Bank reported XXXX XXXX XXXX is lender but has not provided document of purchase, document of sale, document of notice of servicer transfer and document of FDIC LOAN PURCHASE. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX continue to threaten home owner with foreclosure of property without any proof of foreclosure deed and deed under power. No validity of signature of documents but robo signers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On Friday, XXXX XXXX, I deposited a check totaling {$1900.00} into my Chase savings account. On Monday, XXXX XXXX, the check cleared and the funds were posted to my account. I then called Chase bank and spoke with a customer service representative. After a five minute recorded conversation, I was assured by the representative that the check had cleared with no problems. 

This morning, I received a notification from Chase bank that the check was returned and my account was now {$1800.00} overdrawn. After speaking with Chase customer service twice more, I was informed that the check was " altered '' and that the funds were no longer available. 

After I explained to the supervisor how I had already called the bank to confirm the check was cleared, the only response was apologies and a promise train their customer service agents more fully.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I have been using chase online bill pay to submit rent payments to my landlord for over XXXX years. XX/XX/XXXX my landlord told me that he has not received my check ( i had set it to autopay with my bank ) I contacted chase and asked them what happened to the check, they told me that it was cashed by someone on XX/XX/XXXX. I sent this information to my landlord and proof of an image and he said that he has not cashed it and it seems like someone stole the check. 
I contacted chase and opened a claim immediately, chase asked me to send in a notarized for with all the information and once I did that they would start working on the claim. I sent all the paperwork in and called up chase claims, they told me that it would take a minimum of XXXX and they are doing me a courtesy by filling a claim and they will try and help out, but they can not guarantee anything. My issue is that chase printed out the check and mailed it, they said that it has already been cashed, but they do not have any information on what bank it has been cashed with. They are holding onto my funds for XXXX days and my landlord wants another rent check. My rent is pretty high and I do not wish to use my savings for this. Why is the bank taking this long to solve a claim? How was the check encashed when by someone else when it was not in their name.

Company response to consumer: Closed with explanation