BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Okay I had a tax refund sent to chime bank on XXXX XX/XX/2022 amount XXXX and chime had suspended my account months prior to the deposit but I was working to get it fix, but then was told my account was being closed and my remaining balance would be sent to me. I have chime over and over and they wont give me and updates on my money and I worked hard all year for. I am an self employed worker and them funds are really need and I just had my baby last week so im at home right now and again they have XXXX of my refund and also my XXXX check was deposited I havent heard anything about and theyre just holding my money in an account I dont have access to which is unbelievable and they ask for information Ill only know if i had access to the account making it extremely hard and once again my account was supposed be long closed before my refund so I dont understand why they accepted the deposit other then bouncing it or returning it to XXXX bank so They can issue me a check for my refund the whole situation is horrible theirs no way that money shouldve landed in a closed account just for them to give me the run around and I also had XXXX put a trace on my deposit so its their being held without reason

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Specialized Loan Servicing Holdings LLC
State: WV
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I previously had a loan with XXXX XXXX for the mortgage of my home. Due to XXXX XXXX, XXXX XXXX and XXXX, I fell behind. The home was foreclosed on and the loan was sold to Specialized Loan Servicing LLC. I am currently living in a XXXX XXXX  and do not have direct contact information. The loan has been foreclosed but I have not been served with an eviction notice. I am in XXXX. I can not apply for assistance because I do not know where I stand with the house. Also since I have not been formally evicted, I am about to lose my placement in the XXXX. Both I and my counselor at the XXXX  have attempted to contact the debt agency to clarify the status. On the first call, I was told that there were XXXX options. Fax and email information was provided. Both of us were told we would receive information on how to proceed. No information was received. We have been through the phone brush off on three occasions. No information is received. The last call, we were assured that we would receive this information within the week. In addition, I have attempted to contact the company via their website. I can not email them without an account. I can not create an account without a loan number. I have no paperwork from the company with any information or loan number etc. This has been going on for over a month. I am willing to work with them or to move on if I could simply get a response.

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 2016-09-14
Company: AES/PHEAA
State: HI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My last year of XXXX. I became so XXXX, that I was only able to see, XXXX a week, which paid my rent, but in no way allowed me to make a dent in my massive student loans. I applied for a medical forgiveness, but was turned down. Interest and penalties have raised my debt from about XXXX out of school, to almost $ XXXX. I was contacted by them and offered a payment plan of {$50.00} a month, which was do-able. In the XXXX month, they sold my debt to another bank I guess, and they demanded payment in full. Barring my winning the lottery, I do n't see anyway I will be able to pay this off. 
For the last 18 years, I have worked at an XXXX here in Hawaii, helping XXXX. I have taught XXXX, and will continue to try and help as long as I still have breath. But this huge debt is smothering me. I get debt collector calls all the time, at all hours, sometimes at XXXX. I know that is illegal, but have no idea how to pursue that. Is there any relief, or forgiveness channels available to me? Any new laws in the pipeline that might include bankruptcy?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Bread Financial Holdings, Inc.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against COMENITYCAPITALBANK/XXXX for committing identity theft. I have never given COMENITYCAPITALBANKXXXX  any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt Persians to 15 USC 1692c ( c ). I am demanding a feast and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until COMMENITYCAPITALBANK/XXXX can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and COMMENITYCAPITALBANK/ XXXX continues its collection efforts, I will file for litigation for actual damages caused and COMMENIGYCAPITALBANKXXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
On  XXXX   XXXX ,  2015 . Transunion reported a debt collector on my credit file named   XXXX   XXXX   in the amount of {$850.00}. There have been attempts multiple times for this reporting company to verify this debt, but they have failed to produce the verification of this debt. This is a violation of my consumer rights. Please help me resolve this issue. This is not fair practices to me as a consumer. Thank you.

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 2022-03-21
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
We were given a Vanilla brand Gift card with {$500.00} on it. I activated it on the XX/XX/XXXX. We attempted to use on the XXXX of XX/XX/XXXX, and discovered it did not work. I checked the balance and found that XXXX charges on the XX/XX/XXXX XXXX for {$300.00} and XXXX for {$200.00} to XXXX XXXX # XXXX at XXXX and XXXX. I called Incomm the card issuing company on the XX/XX/XXXX. They said they would investigate. I discovered an email request for a written request form. I submitted it on XX/XX/XXXX. They replied with an acknowledgement on XX/XX/XXXX stating they had received it and would resolve it in XXXX days or less. They have not responded via the email address they gave me to use to communicate with them. XXXX emails sent on XX/XX/XXXX, XX/XX/XXXX and again today on XX/XX/XXXX. I called them on XX/XX/XXXX and XX/XX/XXXX, they have not provided me with a resolution and stated that I should call back in XXXX to XXXX hours. They are delaying and not responding to this fraud on their card. Is this endemic to this company?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, my XXXX wrote a check to my name as a XXXX gift. The amount of the check was XXXX. My XXXX bank is XXXXXXXX XXXX from XXXX XXXX and the check number is XXXX. I endorsed the check " for deposit only account # xxxx '' and mailed it to my banks XXXX branch ( Bank of America ). 
I have not received the money into my bank account as of today ( XX/XX/XXXX ). 
However we have placed several claims to both banks which keep shifting the responsibility to the other and closing our claims. 
XXXX XXXX indicated to us that the check was cashed XX/XX/XXXX by Bank of America. However, the money never made it to my account. it was not deposited into the account I specifically indicated on the back of that check, issued to my name. We have a copy of the cancelled check ( front and back ). We do not know at this moment where this money went or where it can be. My mothers bank account does not have the money as it was " cashed '' /withdrawn, nor do I have it in mine. I have not benefited from it. 
The check issued to my name, was not signed. It was endorsed " For deposit only into XXXX account ''. It could not have been chashed, only deposited as indicated in the endorsement.

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 2022-03-21
Company: BANK OZK
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have sent many complaints to the XXXX, Federal Reserve, and the CFPB. Today I received a call in an attempt to criminally intimidate me and coerce me into silence by the banks " security ''. This is because I used foul language and asserted my right of the first amendment to tell the criminal bank that because they stole my money they would be paying me back. These are the tactics of a rogue thug bank against freedom of speech. These are the tactics of a bank that knows they wronged me, knows they discriminated against me, knows they defrauded me to scare me... 

Please inform Bank OZK they just lost their privledge to contact me. I am a private citizen, they are not, they ignored my call as their customer. They ignored my complaints .... Now I shall do the same, if they continue to contact me, any of their agents, over the phone or email, for any reason, I will consider this criminal harassment... and frankly if this medium of complaint allowed it I would share my true and very vulgar opinion of these low lives. All further contact shall either be thru the medium of regulatory agencies or not at all. 

Here is a transcript of the message by a jackbooted thug, notice how it says there are " some issues '' with my exercising of free speech. Notice how he says he is security if I have done something wrong, then at the end the ask " I think i've got a resolution '' AKA silence, they think I will bend to their will. They are illegally attempting to intimidate and coerce me, absolutely nothing I said has " issues ''. 

If they have a problem I suggest they call law enforcement and relay my thoughts to them, I would love for them to escalate it to that level so I can sue the XXXX XXXXXXXX out of them. 

" Yeah this message is for XXXX my name is XXXX what all I'm with the bank OCK corporate security department and I saw her you found a couple complain system you got some issues with the bank and I'll talk to you about this for a minute and I think I've got a resolution for you I think we can we can get this resolved um so I really wish you would appreciate you reaching out to me at XXXX so I can talk to you for minute hopefully we get this thing resolved today so I look forward to hearing from you thank you '' I will reiterate what I said, here in the open, for all to see, I will metaphorically find a way to twist bank OZK 's greedy little fingers. THEY OWE ME MONEY. THEY WILL PAY ME WHAT THEY OWE! YOU OWE ME, YOU PAY ME. 

CALL ME AGAIN I FORWARD IT TO LAW ENFORCEMENT AND FIND SOMEONE TO PROSECUTE BANK OZK FOR THEIR REPEATED HARASSING, DISCRIMINATORY, AND ILLEGAL AND UNACCEPTABLE BEHAVOIR. 


Bank OZK will not contact me again or I will consider this criminal harassment, you have lost your right to take the easy way out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Was not notified of investigation status or results

Complaint:
I have contacted XXXX about several accounts on my report via phone and mail and they continue to send a report that states the information is certified to be valid yet I have requested them to provide proof of the accounts that I am disputing several times ... 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They also stated they will no longer investigate ; however, they are failing to provide how these debts are valid. I have stated to them that a letter stating that the debt is valid is not verifiable proof ; however, I was informed they can not make a creditor send any information and that as long as the accounts match my social then that is considered as valid debt. 

I have sent over 10 certified letters and made numerous calls and they have yet to provide me with an explanation or update my reports. They also stated they do not have to reply within 30 days in they choose not to investigate negative items on my behalf.

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 2017-05-27
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Afte  r my chapter   XXXX   case was final as  of  XX/XX/XXXX .  my credit file was my first to take care of. I made contact with all of the companies to ensure they all had the proper information to resolve this issue. Equifax still shows an open account that is keeping my score from rising. I have given them all the information to correct this issue and to this date, they have n't repaired this problem. I 'm at a loss as what to do as I get the run around every time I call.
<P/><P/><P/><P/><P/><P/>
 XX/XX/XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   WA.  XXXX  Complaint Department   XXXX      XXXX   XXXX   XXXX   XXXX  , Texas   XXXX   Dear Sir or Madam : I am writing to dispute the following information in my credit file. I have named them attachments as follows. I am enclosing my entire chapter   XXXX   bankruptcy showing it has completed as of  XX/XX/XXXX  I would like to update my personal and public record with the enclosed final court file showing it satisfied.
<P/>
( 1 ) Attachment Enclosed you will find my entire court records for my Chapter   XXXX   Bankruptcy filed on XX/XX/XXXX  ending XX/XX/XXXX . Please reinvestigate these matters and delete or correct the items as soon as possible.
( 2 ) Attachment My personal information for update.
<P/>
  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I'm a recent XXXX and I'm trying to save up some money to go to XXXX school so I could get a XXXX XXXX Degree. I found an apartment on XXXX that was fair in pricing. The " contact '' said that I can't view it, but I would need to hold it down using a deposit. I sent it over XXXX through my bank account with JP Morgan Chase. This happened on Saturday, XX/XX/XXXX. I went to see the apartment today and found out it doesn't exist and this person stopped responding to my e-mails. I called Chase to see if they could help out by reversing this payment. They said I need to take this up with XXXX. I called XXXX and got a robot response. I just want some help in this situation. Chase wouldn't provide any information on the recipient 's bank account, where it is located, etc. If that person is receiving money using XXXX, I believe this person has a bank account. If we can track it, then there's hope. 

I filed a police report with the Police Department ( details to follow if you need the case number ). I also filed a report with the FBI. Please help me get a courtesy refund. My family and I combined have been banking with Chase for close to 3 decades. If Chase could be supportive during this difficult time, that would mean a lot for loyal customers like us. I pray that Chase isn't a heartless bank giant like many others that don't care about how you're getting screwed. If Chase is that way, then our relationship has truly come to an end.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted an application for mortgage assistance to my loan servicer, Nationstar Mortgage LLC d/b/a " Mr. Cooper '' and it was rejected for insufficient documentation, without specifying what additional documentation they were looking for. The application was rejected several weeks ago, since then I have called and emailed almost daily and have received zero response beyond form letters telling me that I " should receive a communication from your Specialist soon. '' I escalated to the manager, then to the AVP, and have still received zero response. 

The attached record of emails was preceded by many, many calls until I felt that it was necessary to begin documenting my contacts with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
State: MD
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 is my several attempt to get this matter resolved. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-21
Company: TD BANK US HOLDING COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I'm a consumer/natural person. I extended credit to Target for my XXXX XXXX at the customer service desk on XX/XX/22 in good faith pursuant to 15 USC 1691 ( 3 ). Target is one of my favorite stores, and I was so excited to shop for grad and dad season! It blew my mind when the associate printed a receipt that a transaction had taken place according to 15USC1602 ( l ), but I had not benefitted from it at all. As a matter of fact, she did not give me a security instrument to purchase with open-end credit, but a slip of paper that said my application required further processing. 

This really frustrated me because I am aware credit can only be denied a consumer in cases of insurance or employment. This transaction had nothing to do with either. My face became hot and flushed. I felt so ashamed and dejected while walking past the other people shopping with smiles and enjoying themselves. I could not figure out what I had done wrong. 

Target sent a communication dated XX/XX/22 with the Target logo on the envelope and the enclosed papers that confirmed adverse action was taken against me. That's illegal! Target knows, or should know, that they have violated my rights. The audacity!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: V and H Portfolio
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I did a auto loan way back in XXXX and then defaulted in XXXX and I gave them the Truck in XXXX via voluntary repossession. They stated that I owed them {$12000.00} Since then they first sold the instrument to XXXX then XXXX sold the debt to another. I have done Verification of Claim in accordance with the FDCPA now the debt instrument is with XXXX XXXX XXXX and this company has a collections department that has been harassing me threatening to sue me when I have no contract with them. I warned them about the XXXX XXXX XXXX act and they still will not heed. They will not give me there name or address to where I can dispute the debt instrument and my imaginary contract with them but they keep calling to see if they can get a joinder. I had to back trace this debt all the way from XXXX XXXX to XXXX finally finding XXXX XXXX XXXX. I need some help they have very dangerous tactics and it is getting to worry me. This Debt Collection Company does not respect laws that I here to protect consumers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Debt collector indicates that the account in question was paid timely until the debt was purchased from the original creditor by the collector Which is not the case. According to the fair credit act the debt may only be reported for 7 years after the 1st delinquency which would 've occurred prior to the purchase. If the collector can not prove otherwise then the item should be removed from the credit file.

Company response to consumer: Closed with explanation