BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-28
Company: ARVEST BANK GROUP, INC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
arvast central mortgage company resent a payment several months ago for not having enough in the account but when i spoke to the bank they showed there was more then enough money in the account. ever since then i have to call since they would allow me to set up an online account and whenever i try to pay they always take several days to actually call back over a payment when i call there line another department answers and says no one is available and this happens for the past five months now. to even get to pay they wouldnt let my grandma pay due to her demtentia and not being able to remember her info for the account but wouldnt let me pay either. they requested i send power of attorney to an email which i did was requested and was told to wait like two weeks for it to be added never got a call back. so when i did call back i asked whats going on and they said they never heard of that email i sent it to and gave me another one so i sent it again and was told to wait. never heard back again so i called and was told this time they dont take that through email and had to mail the letter. I seen where this was going so i sent it certified mail and seen that they got it waited a week to call and guess what they said they never got it. I let them know very well there company had the file and had evidence to prove it and if i didnt get it added since they were going to forclose on the house i said well i think im going to have to contact a lawyer and the last thing i sent was proof of tracking and that they did have it and that was it and then somehow they found it pretty fast and was added to the account to take a payment just seems a little odd that i had too say i was getting a lawyer and then they happen to find it pretty fast.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Roughly 3 years ago I had an account with TD bank that I barely used with > {$200.00} in it. At some point I was told it was closed and sent to collections for XXXX {$250.00}. After dealing with the bank for roughly a year I was told they made a mistake and it was put in overdraft when it shouldn't have been. That if I agreed to just calling it a wash on both parts they would pull it out of collections and XXXX out the account. 6 months later I found out it was back in collections. After speaking to the bank it was taken back out ... Until 3 months after that I found out it was back in collections again. I have recordings of all my calls, and emails where they stated it had been XXXX 'd out. I have left countless messages and emails, none of which have been returned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-18
Company: BBVA FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
The transition from my Simple account to their partner bank BBVA USA has left me unable to access my account, my funds, or even to close it. There has been no outgoing communication from the bank, password resets are non functional, and the call center is completely unreachable after weeks of attempts. I no longer even care to transition, simply to close my account and move on, but it has proved impossible, several weeks later, to even do this. The most communication I have received on their impromptu seizure of the balance of my account was from finding them on XXXX, of all places.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened a Hilton Honors credit card XX/XX/2021 with the promotional offer of 80,000 bonus points with {$1000.00} spent within 3 months. When I logged into their website a few hours later after having been approved for the card they advertised to me the same card with a promotional offer of 100,000 bonus points with {$1000.00} spent within 3 months. ( This is a difference of {$80.00}. ) I inquired why there would be such a glaring difference and if I could have have the promotion being offered to me today. They said it could not be done. I suspect this is a form of digital redlining and would like this sales practice to be investigated. ( I would also like the more favorable promotion valued at a difference of {$80.00}. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: DISCOVER BANK
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I submitted payment. The company acted like I didn't send payment. I followed up and they closed my account. 
16 CFR 433.2 ( b ) - The right as a debtor to invoke any claim and defense against any seller creditor of goods and services in connection with a purchase money loan. 

Assuming that DISCOVER is required to abide by GAAP ( general accepted accounting procedure or practice ) : 12 USC 1831- GAAP accounting ledger has to account for negotiable instrument ( A signed Application, Trade Acceptance, Orders are negotiable instruments ).

12 USC 1813 ( I ) ( 1 ) borrower is to receive credit for their negotiable instrument.

DISCOVER is in possession of documents that are self liquidating paper according to 17 CFR 260.11b-6.

The contract between the parties is a consumer credit contract and as described in 16 CFR 433.1 ( i ) an instrument, and under UCC 3-104 ( a ) an instrument is a negotiable instrument and a unconditional promise to pay, no different than a dollar.

In order for DISCOVER to deny the instrument, the instruments needs to be returned with a notarized letter of dishonor and opportunity to cure.

UCC 3-104 UCC 3-111 UCC 3-306 UCC 3-603 UCC 3-602 The consumer was directed to fill out and then sign a consumer credit contract which is an INSTRUMENT pursuant to 16 C.F.R. 433.1 ( i ) and 433.3 ( XXXX ). Account Number XXXX is evidencing the receipt of the EQUIVALENT of money when issued in exchange for INSTRUMENTS ie the Promissory Notes signed by the consumer at the inception of the account and to the current date pursuant to 12 U.S. Code 1813 ( 1 ) ( 1 ). The INSTRUMENT is a medium of exchange and money per 1 U.C.C. 201 ( 24 ) and is then used as collateral at the Fed window to apply for an equal amount of federal reserve notes 12 U.S. Code 412 which states the collateral security thus offered shall be notes, drafts, bills of exchange, or acceptances or any obligations which are direct obligations of the United States and per 18 U.S. Code 8 " obligation or other security of the United States '' An IRS Form 56 was issued to the DISCOVER XXXX, XXXX XXXX and received by DISCOVER. This compels agents representing the CFO XXXX XXXX on DISCOVER 's behalf to act in the best interest of XXXX XXXX XXXX. By issuing a Delinquent Notice to my account, the XXXX for DISCOVER is in violation of a fiduciary duty. As this Fiduciary appointment was never accepted or rejected within 10 days, it is assumed valid as a non response is agreement under the law. Please note that this notice has been filed with DISCOVER local IRS location. 

As DISCOVER XXXX, XXXX XXXX has been appointed fiduciary and DISCOVER has opened, retained and accepted documents entitled and conspicuously marked SPECIAL TRUST DEPOSIT, those deposits are binding. Credit my account, which is entirely possible for the full amount on the instrument. 
Increase my credit limit to {$20000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TX
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:
This account was sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. In addition, as stated in the HIPAA law section 1681b ( g ) ( 4 ) you are not allowed to disclose any of my medical information this is clearly a violation to my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-21
Company: ALLY FINANCIAL INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Ally Financial are reporting wrong information on all my credit reports, in the month of XXXX XXXX they report a late payment of 30 days and then on XX/XX/XXXX they report a 90 days of late payment. HOW CAN THIS BE POSSIBLE??? 
See attachments I DEMAND RIGHT NOW ASAP THAT THIS ACCOUNT TO BE REMOVE FROM MY CREDIT REPORT DUE TO FALSE AND MISLEADING INFORMATION. 

Also Ally Financial sold this account to XXXX XXXX  XXXX with all my personal and confidential information like SSN, NAMES, BIRTHDAY, ADRESS etc etc. 
The FCRA prohibit all of this, check The FCRA sections 604, 609, 611, 613. 

Since the year XXXX I am requesting copys of the receipts that shows for how much Ally Financial sold this account to XXXX XXXX XXXX with all my confidential information. 
Till this day Ally Financial are not cooperating with my person and have not send the requested receipts.

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 2021-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX are reporting wrong information on all my credit reports, in the month of XXXX XXXX they report a late payment of 30 days and then on XX/XX/XXXX they report a 90 days of late payment. HOW CAN THIS BE POSSIBLE??? 
See attachments I DEMAND RIGHT NOW ASAP THAT THIS ACCOUNT TO BE REMOVE FROM MY CREDIT REPORT DUE TO FALSE AND MISLEADING INFORMATION. 

Also XXXX XXXX sold this account to XXXX XXXX XXXX with all my personal and confidential information like SSN, NAMES, BIRTHDAY, ADRESS etc etc. 
The FCRA prohibit all of this, check The FCRA sections 604, 609, 611, 613. 

Since the year XXXX I am requesting copys of the receipts that shows for how much XXXX XXXX sold this account to XXXX XXXX XXXX with all my confidential information. 
Till this day XXXX XXXX are not cooperating with my person and have not send the requested receipts.

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 2021-04-21
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello, i am distressed to inform you that the credit bureaus have been giving me multiple problems when trying to correct something on my report that is in violation of federal law. For one i submitted my dispute 50 days ago which Im sure is over the limit given ( Sent on XXXX ) I also did not give authorization to the original creditor to give my personal non public information out, this is a clear violation of 15 USC 1692g ( 5 ). And even after presenting that I cant even get a timely response let alone my report fixed. 

I would really like your help getting this off of my report. This has severely impacted my ability to obtain credit or do anything pertaining such. 

Thank you for your consideration

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: AMERICAN EXPRESS COMPANY
State: NE
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:
XX/XX/XXXX thru XX/XX/XXXX i been trying to retrieve my money that was used in a scam.And when i called you, the money was still pending and u didnt stop it the transaction u told me that it had to be recieve first and then u could get my money back.. U told me to register my card on 4 attempts it never got register on the 5th attempt it was denied and you told me to report it to police ... And your custumer service was rude and horrible especially the foriegn women ... Your card was used and requested by this company to scam me out of my money ... And you didnt help me to get it back ut seem to me like you was in this together ... The Scam

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Pacific Rim Alliance Corporation
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A number of years ago I took a payday loan out with CheckMate, on XXXX XXXX in New Mexico. I let them know one day that a payment was going to be late. After that they started a problem, they started harassing me, calling me repeatedly some times 10- 20 times non stop. When I was at work, early in the morning, and if I recall correctly, emailing me as well. 

Eventually I was forced to change my contact information, and complain to Checkmate. I also disputed their reports on my Credit. Later from what I recall the situation was resolved, and everyone was satisfied. Now all of a sudden they are reporting to my credit again wanting XXXX XXXX dollars. An amount that definitely NOT owed or correct. The creditor they have hired also appears to not exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-21
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello, i am distressed to inform you that the credit bureaus have been giving me multiple problems when trying to correct something on my report that is in violation of federal law. For one i submitted my dispute 50 days ago which Im sure is over the limit given ( Sent on XXXX ) I also did not give authorization to the original creditor to give my personal non public information out, this is a clear violation of 15 USC 1692g ( 5 ). And even after presenting that I cant even get a timely response let alone my report fixed. 

I would really like your help getting this off of my report. This has severely impacted my ability to obtain credit or do anything pertaining such. 

Thank you for your consideration

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 2021-04-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I had a wire transfer sent on XX/XX/XXXX ( yesterday ) via state incoming wire. I talked to Chase on the XXXX and said it will arrive by noon on the XXXX. I called today at XXXX and they said 'maybe tomorrow. ' The person who sent the outgoing wire has had the money deducted from his account- but I am getting a run around from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: AmeriCollect
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was seen in the ER at XXXX XXXX in XXXX  XXXX and needed XXXX XXXX. Upon my arrival at the ER I completed all the necessary insurance paperwork and provided my military ID to verify XXXX coverage. When I left the ER the same day I was provided more paperwork at check out which I completed. I received one bill from XXXX XXXX XXXX XXXX in XXXX of XXXX but there was no mention of them not having my XXXX information. I also received a bill from the hospital but that was paid by XXXX and so I assumed ( which I should not have done ) that the XXXX bill was taken care of as well because I never received another bill. In XXXX of XXXX three separate account numbers from the same day/service were submitted to collections and showed on my credit report which dropped it by more than 70 points. I called XXXX immediately and they stated they never received any claims for that day. I then called the billing office of XXXX and they stated the claim was mistakenly sent to the VA where I do not receive any care. The claim was denied by the VA ( or so I was told ) and so it was sent to collections ; I never received any form of documentation from XXXX giving me the opportunity to rectify the situation before it had gotten to that point. They assured me they would refile to XXXX and remove the debt, which eventually happened after about a month. 
Yesterday I received another statement from the same collections agency ( Americollect ) and the three separate charges went back on my credit report, dropping it again by 77 points. When I spoke with the billing office they denied a claim was ever submitted to the VA and that I was responsible for the bill because I did not provide my insurance information. None of this makes any sense. I spoke with XXXX and they said they'd be happy to pay the claim but they would need proof of timely filing. They provided XXXX this decision on XX/XX/XXXX. XXXX never notified me of this update before reinstating the three collection charges. When I asked them if any documentation was ever sent out after that decision to give me the chance to pay or continue to work on this, they said they did not take any actions to notify me. They refused to submit proof of timely filing claiming I did not provide my insurance information and XXXX needs it to pay the claim. I am at my wits end trying to figure out what went wrong and where so I can rectify this. I am a XXXX XXXX XXXX and having to pay this would put me in financial distress, not to mention what it has done to my credit report. I could really use some help. Thank you so much.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Better Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I disclosed the fact that I would only have 6 months of payments on a 2nd mortgage, actually a HELOC loan before I gave BETTER any money. I told Better 's front man, XXXX, that I wasn't interested in applying unless they could accept this. When he told me this wouldn't be a problem and that they wouldn't be as aggressive about collecting as much income paperwork ( tax returns ) as XXXX because my XXXX is only 59 % and my credit score is XXXX -- that there wouldn't be a problem When they started asking about an 11 year old bankruptcy that's no longer on any credit reports I said I was no longer interested banking with BETTER, but XXXX said he'd talked to underwriting about the 6 months of payments and the leaving the bankruptcy in the past -- as it's no longer on credit reports ( I made sure ) then he talked me into giving him XXXX for an appraisal. 

Now, nearly 2 months later after asking for every single document under the sun, about a career I've been in for 12 years, BETTER is saying they have denied my loan -- which will damage my credit score -- because of the 6 months worth of payments I disclosed UP FRONT USING THE EXCUSE that they found a default in XXXX -- WHICH Better admits in writing was prior to my XXXX bankruptcy. 

First of all -- I knew of no default, I made arrangements to pay XXXX ( the mortgage portion that went out of business ) before the bankruptcy then kept paying after the bankruptcy and continued to pay them through XXXX. And I've proved to BETTER I paid them through XXXX. 

How is it legal to deny credit over something that happened in XXXX. I'm reading that people have had FORECLOSURES go through and been able to get loans just fine in 10 years. That was 15 years ago. 

I want my money back or I want the loan approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Collection Management Holdings, LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on XX/XX/XXXX I received a statement for a balance of {$590.00} of which I felt I didn't owe, for a medication that was sent to me without my prior payment or authorization for payment in the form of credit /debit card check or cash. I had previously talked with a representative from the company and ended with an understanding that I had no credit card or any other form of payment on record, other than insurance from part D of my social security, and a grant from the XXXX XXXX for assistance in covering my co-pay amounts. I made it clear to the company that I would not be paying any of the bill. 
But, the company sent the medication anyway and billed me. I was unable to pay do to my being on a fixed income. I responded to the company by mail with an explanation, and reason that I felt not responsible for their error in shipping a medication without prior payment, as I know is a policy of the company. My letter dated XX/XX/XXXX to follow. Again I received another statement just like the first on XX/XX/XXXX, and again I responded with a letter XX/XX/XXXX and confirmed that their statement must be an oversight. I received another statement XX/XX/XXXX for the same amount and this time soon after on XX/XX/XXXX I received a letter from a debt collector on behave of the company. I replied to the debt collector and also the company with a letter of my own to try and get them to quit sending these harassing statements and letters. I received two more letters from the same debt collector from a ( XXXX XXXX ) on XX/XX/XXXX and XX/XX/XXXX. I am at my wits ends trying to explain to the company and the debt collector that I do not owe them money. There was a mistake made by the company in shipping out a medication prior to having payment or having any form of payment on file. I was on an assistance program because i could not afford the medication, and between my XXXX XXXX XXXX, supplemental insurance, and finally an assistance grant from the XXXX XXXX costs were taken care of till of course funds ran out, at which point I would have to seeks other assistance from another form..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation