BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-07
Company: Paypal Holdings, Inc
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2017 at XXXX my Paypal account was permanently limited because of an eBay store listing regarding a skin cream. Paypal does the payment processing for my eBay store and now supposedly micromanages what I can and can not sell on eBay. The reason I was given for my account permanently limited was because I can not sell a certain skin cream. There was no warning given and now Paypal decides to hold {$1600.00} of my funds on the account for 180 days. There reason for holding the money was to make sure there was sufficient funds in case of any customer charge backs. I have very few customer charge back and I do n't think holding that high of an amount is appropriate. Currently, I have {$1600.00} that Paypal will not allow me to transfer to my bank account and they are ignoring my inquiries as well so I have nobody to resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-31
Company: Experian Information Solutions Inc.
State: TX
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:
Experian RentBureau as a financial institution did not disclose to me my right to opt out of the disclosure of my nonpublic information. I was not given the opportunity to opt out the disclosure of my nonpublic information and I wasnt given any directions on how to exercise my right to opt out of said disclosure of non public information in accordance with 15 U.S.Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ). Experian RentBureau is in violation of 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. Remove my information from your company 's database or I will be seeking litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: National Collection Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
The collection agency under national credit management put a collection on my credit account 3 years later that I did not know about because it should have been a debt under my student loans. This collection is really hurting my score that I worked hard on for years. I called them and they told me it didnt report because of covid was in place but other things reported on my report and I was fixing my report at the time so I kept an eye on it everyday. It should have been reported in 2019 which was way before Covid so that is not an excuse. This debt is {$3500.00}. If I would have known it was going to report on my report more recently I would have stopped it and made arrangements with the collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for Capital One credit card on XXXX XXXX 2020. 

I have excellent credit score and I am very well financially stable, zero debt in whole life. 

Capital One did not approve my application and sent me a letter to contact them for verification. 

Capital One called me on XXXX XXXX 2020 and asked me to upload my Driver License over the phone, which I did. They sent me a link thru sms, and I uploaded my driver license back side and front side. 

My Driver license expired this XX/XX/2020, when COVID-19 was at peak. Due to COVID-19, Ohio has extended Driving Licenses Validity for 6 month, so my driver license is still a valid document in Ohio. 

Capital One 's goal is to verify the identity of the applicant, which I did by providing all the documents they asked. More over, my driver license has matching address and I provided my application id, which they sent me thru postal mail. 

On XXXX XXXX, 2020, I spoke with XXXX and XXXX, but still Capital One is giving me hassle to send more documents My question to Capital One is : while I have excellent credit score, zero debt and never paid late for any card, moreover I provided identity verification that still why are you giving this much a hassle to a senior citizen? Are you giving me a loan or are you giving me a just simple credit card? 

Shame on Capital One for developing a such system and handling cases like a robo.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
1. The mortgage company is collecting more tax than what is my assessed property tax. 
The mortgage company informed XXXX requires the mortgage company to collect my property tax. When I notified the mortgage company of their error multiple times, the mortgage company refused to adjust the tax collection to my assessed taxes. It appears to me the mortgage company is abusing their role with XXXX. Hopefully it can be seen the XXXX XXXX, 2016 Escrow Account Disclosure Statement shows a property tax payout of {$1000.00} with a false estimate of {$2000.00}. Clearly, it is a false statement to claim there will be a {$2000.00} payout will it will actually be {$1000.00} from the submitted tax assessment from XXXX XXXX. 
2. The mortgage company initially collected all my information, told me I was qualified for a mortgage, locked in a rate at a 30 year fixed mortgage, repeatedly extended the closing time and then said it would need to be changed to an adjustable rate mortgage. I made multiple complaints to supervisors and executives but, received no response to any of my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This regards a 30 year fixed primary mortgage currently being serviced by Wells Fargo. This morning while talking with a bank representative, it came to my attention that the default way excess payments on my account are processed is not as most consumers including myself would assume. Apparently, paying extra and not specifying what to do with the excess results in the excess being applied to the following month 's payment. Thus, you are paying interest, PMI, taxes and principal e.g. paying extra in XXXX pays the XXXX payment first before paying principal. 

The bank mitigates with the following : Monies in excess of the following month being paid are applied to principal as expected. 
One can call and change the application to principal only ( within 3 months of the transaction ). 

It is possible some consumers want to pay the next months bill. However, it does not make sense as it means paying interest that would be lowered by paying principal. Furthermore, looking at the First Mortgage / Deed of Trust contract, in section 2. Application of Payments or Proceeds we find the following : " Such payments will be applied each Periodic Payment in the order in which it became due. Any remaining amounts shall be applied first late charges, second to any other amounts due under this Security Instrument, and then to reduce the principal balance of the Note. '' Since my account was and is in good standing, payments should not go to anything other than principal.

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 2016-11-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
Hello, Recently I tried to set up automatic payments on my Chase charge card, but the online choices were only minimum payment or payment in full. It is obvious that the plan is to stretch out payments for the many people who take advantage of automatic payments, but do n't want to go online to make an additional payment every month. I believe this strategy unethical and must be changed. For example, XXXX gives the customer a choice of minimum payment plus an additional amount. 

In order to improve payment plans for consumers, payment choices must be more flexible, and beneficial for the consumer! 

Please fix this problem! 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: Accelerated Receivables Management, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX XXXX XXXX now operating as XXXX XXXX XXXX has hired a company called Accelerate Receivable Management , Inc to collect what they claim is a debt of {$2900.00}. This is for a single cholesterol panel ordered by my family physician in 2014. This lab had ZERO contracts with insurance providers and was therefore out of network for all patients. Therefore, in order to get business with physicians they entered into an agreement that they would accept the insurance company 's out of network payment and not hold patients responsible for any remaining balance. I signed paperwork that assured this also XXXX. Therefore, the charge is completely fraudulent. In addition, when I got a hold of my insurance company I was told that they did not pay the claim because XXXX did not submit the claim properly and the insurance company denied the claim and asked for additional information that was never provided XXXX separate times. Now the claim is past the 15 month term and XXXX or Accelerated Receivables Management, Inc will not be able to submit the claim anymore, period. Accelerated Receivables Management, Inc is now asking me to provide an explanation of benefits that my insurance company can no longer provide me and attempting to charge me for whatever portion of the bill was not paid by my insurance company. This is outrageous and XXXX these companies should be investigated for fraud.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Since XX/XX/XXXX I have initiated 3 disputes with Equifax and to date none have been completed. Most of the disputed items still remain on my credit report. The last dispute was initiated on XX/XX/XXXX. Since then I have looked at my report on XXXX and it does show that XXXX accounts have been removed but to this day I have not received in correspondence from Equifax or any updated reports. When I check the status on their website, it still shows pending, along with the previous 2 disputes. I have not received any updated reports or results of my disputes. Most of the items were opened around the same time and were from the same main bank, either XXXX or XXXX. XXXX has sent me letters showing that the dispute of their items were found in my favor. I have attached documentation of 3 of those letters. Those have been removed but the others still remain on my account. I also am attaching proof that my data was breached yet again in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08
Company: EVERBANK, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
they sent out a clean out crew XXXX times while I was living there and they stold belongings of mine I while I was at work even called the police and they caught them once

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: SMS Check Recovery LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
XXXX/XXXX/2015 at XXXX XXXX. they called me at my job, my cell, my brother in law & my sister in law saying the following. " My name is XXXX XXXX I am calling from you can not really hear from where. Then she says, I have a affidavit for you to go to court, If I hide from them, then they will do a summons and to call this number XXXX reference # XXXX. I have saved this message. Why would a collection company do that? I am upset. I am also embarrassed that they called my job and family. If I owe them money, I understand, but to go through this tactics that they are doing is affecting me. I am scared. I ca n't not understand why they do this. My XXXX XXXX went, up. I got knots just listening to the message. I need your assistance.

Company response to consumer: Untimely response
Consumer complaint received 2015-08-06
Company: MNS & Associates LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Clarifying my address XXXX and ss # for credentiing must respond or legal action will proceed. Also calling my family members to verify my information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
XXXX weeks ago I lost my debit card. Went to the local bank branch where they informed me there was an alert of a XXXX card ( possibly cloned ) being used on my account. the card was replaced and a fraud dispute filed. XXXX hours later I was advised my dispute was denied without contacting the merchants because my husband and I had logged into our account either online or through the mobile app and not caught the fraud ourselves. I escalated the issue to a supervisor who said they would reopen the fraud case and contact the merchants. chase has a 100 % XXXX liability advertising which they did not live up up. they also advertise they guarantee to have a credit placed on the account by next business day. waiting XXXX business as they requested to look into the issue, they denied our case without contacting the merchants saying the log in issue was good enough and if we did n't like it to close the account. this is a dispute over {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX XXXX and I am sending this complaint without any third-parties involved. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the XXXX is having data and system issues. I decided to look at my credit reports from the XXXX and XXXX credit bureau and found that this RMP, LLC ( Original Creditor : XXXX XXXX XXXX ) with the account number XXXX was reporting to be negative on both XXXX and XXXX XXXX I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the XXXX  but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XX/XX/2016 CFPB : JPMChase charged me {$18.00} per month for having Chase Accounts, when I was paying money from those Chase Accounts to Chase, as my US Bankruptcy Court Plan, regarding my Chase LIBOR-Indexed ARM Loan. JPMChase violated US Bankruptcy Court Policies by charging me the {$18.00} per month and overcharging me LIBOR, through the LIBOR Overcharge Conspiracy of JPMChase with XXXX and the XXXX. 
I demand that JPMChase remove all Credit Bureau Information detrimental to me, refund all its fees ever charged me and issue me Release from Mortgage. 

XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Other

Complaint:
dropped a check to pay XXXX of my citi bank credit card infull in the night deposit at there XXXX branch on XXXX accounts end in XXXX and XXXX got a call from the head teller who refused to process my payments and said he was mailing them back to me. branch manager refused to speak with me. even asked the head teller why he could not just mail them to citi bank since they were in the envelope provided with my monthly credit card statement and all he could say was it was illegal for him to process my payment in any way shape or form and he refused to transfer me to the manager.

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 2017-04-09
Company: AES/PHEAA
State: MD
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:
FedLoan Servicing refuses to accept payments on weekends. Why? On what legal authority to they rely in order to the limit the days on which borrowers may repay their loan. No other legitimate creditors employ this unlawful and usurious practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX To whom it may concern- I am writing to file a complaint against Chase bank for NSF fees that should not have been assessed. For several months, Chase bank has paid items coming through my account based on " their " discretion. In paying the initial item of my mortgage in which My account was short in excess of {$1900.00}, this caused me to get several hundred dollars of fees per week in addition to cause my account to be in a cycle of being overdrawn for several months. Three months of fees totaling {$3000.00}. The bigger concern is when my XXXX XXXX bill came thru my account to get paid which was a {$5000.00} payment and I was short {$330.00} this item got returned!! This has now had an impact on our relationship with XXXX XXXX. How can Chase continue to pay items overdrawing my account for approximately {$2000.00} per week but did n't pay an item that was short {$330.00}? I have been told when I call it is because " Items are paid at Chase discretion ''. The answer is simple, by paying all the other items coming thru my account overdrawing it by {$2000.00} they were able to charge me extensive overdraft fees because I had pending transactions at the time.!!! This is NOT acceptable. We do NOT have overdraft Coverage NOR debit card coverage therefore they had NO right to pay things overdrawing my account in excess of {$2000.00} allowing them to charge me over a {$3000.00} in fees during a 3 month period. If they chose to do this why did n't they pay my XXXX XXXX bill? How can a bank pick and choose? Would n't it make sense if they were going to choose they would choose to cover {$330.00} NOT {$2000.00}!! Please see the attached statement showing their '' choice '' to pay items coming through my account and the hundreds of dollars paid in fees. I would like to prevent this from happening to other customers and would like ALL my fees from this nightmare for the past several months reversed. We have banked with XXXX XXXX and there are no other banks that would cover a item that would overdraw your account by {$2000.00} unless you had overdraft protection. Chase stated this was done because of our great relationship with them??? Clearly this was done to make money off of us. If it was truly done for our relationship with them they would have paid our {$330.00} shortage for our XXXX item which was a {$5000.00} payment. Thank you for your assistance with this matter. See attached documents. 
Best Regards, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-07
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I received a call from IQ Data at work from XXXX. She was very rude and broke every collection practice. I called back to speak to supervisor and the agent transferred me back to XXXX. I will be seeking a lawsuit against the company for collection practice.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation