BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-14
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
im getting collection calls for a XXXX XXXX from XXXX XXXX XXXX, when I advised them I have no contact with him and to remove my cell number she said no and hung up, I called them 3 times and she picked up and hung up. I then received 16 more calls from that number leaving automatic messages. XXXX picked up the phone, and said she will not remove my number. and called back 4 additional times the auto messages states to call XXXX XXXX XXXX ref # XXXX 3rd attempt, all messages are saying 3 rd attempt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
TD Card Services TD XXXX card was cancelled in XXXX. The card also expired in XXXX. On XX/XX/XXXX, a vendor was allowed to force through a charge for a subscription renewal in the amount of {$24.00}. 

If the vendor wishes to receive payment, the vendor must request new payment information. If a card is cancelled AND expired, a credit card can not be billed for services that have yet to be rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
I have a credit card with XXXX XXXX. I am not disputing anything on my credit reports in regards to my card On my trans union report it states this in the status / remarks comment section " Account information disputed by consumer, meets FCRA requirements. I am not disputing anything with my XXXX XXXX XXXX with Trans Union. On my XXXX regarding the same XXXX XXXX Account. The remarks section says " Consumer disputes this account information ''. The remark section should be blank. I am not disputing anything with 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 explanation
Consumer complaint received 2015-11-18
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX, we were scammed by a company offering to get us a modification of our ARM mortgage. Our mortgage servicer at that time was AHMSI. We received approval for our mod., made our first three trial payments on time, then were informed by AHMSI that we were denied ( after being approved, sending in our XXXX signed, notarized copies, and receiving back the signed copy from AHMSI ) because they had not received " required documents '' ( income tax returns ) that had been sent in numerous times, including the copies given to their field representative in person, who sent them via ups red, with a tracking number. After that they tried to foreclose on us. 
At that point, I contacted HUD, who contacted AHMSI, and they agreed to do an " inhouse '' modification, and though the terms were not as advantageous, we agreed to, out of fear of losing our home. We made the three payments, but after that, when trying to make a payment by phone, our payment was rejected, the operator informing us that we were in pre-foreclosure ... ..it took two more years before the sheriff arrived at our door with foreclosure papers ... .during that time, apparently our loan was sold to OCWEN, and we had no idea ... ..we were never notified of this event. 
XX/XX/XXXX, we went to court, and the council for the bank urged us to sign a consent judgement to buy us 120 days to get a loan modification. We agreed, as we thought we did n't have a choice, but since the attorney did n't have the proper paperwork, we did n't sign anything. 
We had already submitted the loan mod. paperwork to Ocwen, although they claimed not to have received it, so we handed a copy to their attorney. 
Ocwen approved us for their SAM modification, so we immediately signed, notarized and sent in, via certified mail, the appropriate documents, and also sent in the initial payment 6 weeks early. Meanwhile, their attorney continued to insist that we HAD to sign the consent judgement agreement, which, I believe is considered dual tracking ... 
Ocwen mis-applied our payment, and we have been receiving phone calls from them, as well as emails from their attorney asking if we intend to make the XX/XX/XXXX payment, which we made XX/XX/XXXX. 
I responded to their attorney with the corrected info, and she responded to me that I was correct, and that Ocwen was asking about our XX/XX/XXXX payment, which is n't due for weeks! 
How can they harass us for a payment that is n't even due yet, when we made a payment six weeks early?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with fees or penalties

Complaint:
On XXXX22 I opened a 2.50 % XXXX term apy " BUMP UP '' CD with Marcus.com. Marcus of Goldman Sachs opened this account ending in XXXX. 

Marcus failed in their online marketing promotion to explain that only MARCUS could decide when a rate bump could be initiated even though they introduced a 3.00 % 12 month CD and longer term 3.5 % CDs. 

Marcus online supervisor XXXX which I contacted XXXX22 apologized for this omission but said their was nothing she could do to remedy this unfair circumstance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: GOLDMAN SACHS BANK USA
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase on XX/XX/2021 buying XXXX tickets to a top golf event held at the football stadium. The event was on XX/XX/XXXX and I arrived and there were no directions or instructions on where to enter. Finally after circling the stadium 3 times, we found out there was no ground level entrance and it was hidden in the parking garage. Therefore, we arrived 5 minutes late for the event and they would not activate our golfing booth. We were not allowed to participate after paying for the event due to the lack of organization by the company. We paid for an hour, arrived only 5 minutes late and were not allowed to participate. The company refused to help and so I disputed the charge. The dispute was settled in the merchants favor with the reasoning sufficient evidence was provided that I made the purchase which proves they didnt read what I wrote as I never denied making the purchase, I made the purchase BUT was not given the product/service I paid for. I called the card company, told them this information and that I made the purchase but that they didnt provide the product/service. Again, they settled it in the merchants favor so now I am filing a complaint with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: United Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
URS Collections called him left a voice mail looking for me. I called & asked to speak with a XXXX XXXX XXXX. The rep informed me that XXXX was busy but then proceeded to tell me that I owed a balance from a check I wrote in 2008. He asked me when am I going to pay it & I told him that I 'm not. The debt is old & would be falling off my credit in a couple of years. His voice & demeanor changed & he said, " Oh, so you 're just not going to pay it. That 's a moral issue. Where are you 're morals? '' At that point I lost it & told him, " You do n't know anything about me nor my morals! Do n't sit up on this phone & try to tell me about myself! '' All the while he is steadily saying some defaming things so I told him that I know about collections. I 've worked in collections before & you 're not even the creditor. Your company bought my record for pennies on the dollar. '' He said, " No we did not! ... '' I told him he was in the wrong because he did n't even say the fdcpa verbiage that he was suppose to say before he went into disclosing my file. He told me he did. If I 'd shut my mouth for a while I would 've heard it. 
Now, I do n't do this but I believe that this company should be violated for this person speaking ill to me. Please make sure that a violation is placed on this company. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
While traveling in XXXX with my wife, I needed to send funds to her so we could pay for her hospital bills the totals of which are more than {$20000.00}. On XX/XX/2021 I received a letter from JP Morgan Chase requesting me to contact them because they needed information from me to keep my account safe. After contacting them, they told me that there was nothing I could do but that my account had been terminated after nearly 18 years of being a customer of JP Morgan Chase. 

JP Morgan Chase froze my account, blocked my cards and locked access to my account and they left me stranded in XXXX without access to more than {$100000.00} of my money- all while my wife is in the hospital requiring XXXX  which I can no longer pay for. 

They sent me a letter saying I hadn't provided them with any information they requested - when they didn't request any information. They said, give us information and we " may '' be able to keep your account open - but when I called Chase to talk about it they said the account was already closed. 

The emotional stress of not being able to eat, pay for a hotel or my wife 's hospital bills for XXXX is insane. I can't sleep and have a hard time eating while JP Morgan Chase left me penniless in a foreign country without access to a substantial sum of my money. 

JP Morgan Chase shouldn't be allowed to simply freeze a person 's account because they are XXXX  about XXXX. I grew up in an America where people had the right to life, liberty and the pursuit of happiness. How they can simply close an account after 18 years and leave a person stranded just goes to show how awful they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a notice dated XX/XX/2016 that an escrow account had been set up and payments had been made to insurance and taxes regarding our home. We do not have an escrow with these people and are officially requesting they stop these fraudulent payments. The escrow " history '' shows payments made XX/XX/XXXX, XXXX, and XX/XX/XXXX. However, my insurance company shows a payment on XXXX/XXXX/16 and my treasurer also on XXXX/XXXX/16. I have informed both companies of this fraud and requested those funds returned. A Bayview agent, XXXX, specifically stated we do not have an escrow and than they began making payments to these places. My last complaint has done nothing to stop this company from committing fraud regarding my account and therefor have no other option but to seek legal help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
I have file several disputes regarding my credit concerns and items that's inaccurate on my credit report.. I credit bureaus, creditors and collections companies aren't complying with the FCRA. I have sent out several letters asking them to provide proof a validity, make corrections, and or remove inaccurate items they refuse to do so.. I have proof of every letter i sent out..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: Experian Information Solutions Inc.
State: CA
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:
This account has been paid in full and the company has refused to update the information on my credit report. I have disputed this item 3 times and still no change on my report.

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 2017-08-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was charged a {$35.00} overdraft fee on XX/XX/XXXX for a check that was cashed and posted onXX/XX/XXXX when at the end of the day the account balance was {$36.00} after the check was cashed.Also I made a {$600.00} cash deposit on XX/XX/XXXX. Wells Fargo is assessing overdraft fees prematurely this same issue has happened in the past. In the past instance wells fargo only refunded half of the fee as a " courtesy '' when it should not have been assessed in the first place. That is shady business.

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 2016-06-29
Company: COAST 2 COAST FUNDING GROUP
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am interested in refinancing my mortgage. The company that originally funded my loan, Coast 2 Coast Funding Group, in XXXX XXXX, California ( later sold it to another mortgage company ) reached out to me about refinancing my loan. I asked them to provide me a Loan Estimate. They then ran a Hard Inquiry against my credit without my authorization. When I questioned XXXX XXXX, my contact, as to why he ran my credit without asking me first, he told me that since Coast 2 Coast was the original company who funded my loan, the authorization I signed in 2015 will allow them to run my credit report at anytime for the life of the loan, without further authorization from me ... even though they sold my loan to another company. I have asked for, and received Loan Estimates from other companies as well, and none of them ran my credit to provide the Loan Estimate. To add more fuel to the fire, XXXX keeps saying that he is " sorry I did n't understand '' and " sorry that this somehow seems confusing ''! Very frustrating and unprofessional. I would like the Hard Inquiry removed from my credit report. I would like other buyers to beware of Coast 2 Coast Funding!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2021-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Hello, On XX/XX/XXXX I noticed that my credit score on XXXX had took a BIG decrease on my points of XXXX  points. So I called XXXX on XX/XX/XXXX and talked to a person name XXXX to ask why a big drop on my points when I was doing fair on my points. Well XXXX who is a specialist stated to me that Capital One Bank USA put a nasty remark on my profile on XXXX all because I wanted to Dispute the Double Jeopardy Accounts on my Credit File. Now I'm not sure if XXXX and XXXX will be affected by this nasty remark, but if so I want all three credit agency to be notified and not affect my points. 
I filed a Dispute with XXXX, XXXX, and XXXX about Capital One Bank USA with the same account as XXXX/XXXX. In my letters I explained how I wanted Capital One Bank USA removed from my credit report because it was a duplicate account with a different name. XXXX was sold to Capital One Bank USA . However I was always in good payment with XXXX/XXXX  it's just Capital One Bank USA bought XXXXXXXX  Accounts from every customer. So back in XX/XX/XXXX my husband and I fell on HARDSHIP and settle all our debts with Freedom Debt and paid partial to Capital One Bank USA in a settlement. Have copies to send you. Also I have been trying since XX/XX/XXXX to dispute all inquiries from XXXX and XXXX dated on XX/XX/XXXX that I did not authorize or give permission to anyone to pull my credit report. If you can look at the attached paperwork you will see which one I have been trying to dispute with XXXX and XXXX. XXXX have removed all inquire but XXXX and XXXX will not remove and giving me a hard time. Please take a look at Capital One Bank USA and see why they have retaliated against me by leaving a bad remark on my credit file with XXXX. But also this bad remark may be on XXXX and XXXX in a few days. I really want Capital One Bank USA removed from my credit report now since they have been rude and with the double account. Thank you for your time in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Bought a lifetime software trading platform from XXXX XXXX using my Capital One credit card for {$1400.00}. The software was deemed to be defective for it placed a trade that the software was not suppose to place which lost me {$2400.00}. 

I returned the software ( license key ) to XXXX XXXX with receipt of delivery ( USPS ) given to Capital One with a dispute form. 

Capital One has yet to credit my account in the amount of {$1400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: American Student Assistance
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
American Student Assistance ( ASA ) and the U.S. Department of Education have been attempting to collect on an alleged federal student loan in the amount of {$5500.00} ( XXXX ) with no valid promissory note. The law explicitly requires that any electronically signed notes are not acceptable unless there is proof that an electronic signature was affirmatively authorized. I have been attempting to obtain a valid note for years with no resolution. I have now written more than 20 letters since XXXX regarding the alleged loan requesting a copy of an actual signed promissory note or proof that I affirmatively authorized an electronic signature, but they have not been able to produce either. All they can provide is a note with the typed words Electronic Signature on File. No note - no debt. They are ignoring my repeated requests and have filed a garnishment with the Social Security office and funds are being deducted from my monthly Social Security check. They attempted to garnish an income tax refund, but it was denied. The alleged debt is invalid with no promissory note or proof that I affirmatively authorized an electronic signature. Also, the alleged debt has now grown considerably with interest over the years as ASA and the U.S. Department of Education are stalling and can not produce a valid note. Another rather suspicious problem is that the loan holders and loan numbers have continuously changed over the years making it very difficult to follow any accounting of the alleged loan. There is also an alleged loan with the Florida Department of Education for which they can not produce a valid note either. It would seem likely that this issue may have potential as a class-action lawsuit. I am probably not the only person dealing with invalid promissory notes from ASA and the U.S. Department of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: Linebarger Goggan Blair & Sampson LLP
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called company to dispute the debt as it is my right under FDCPA, and agent from the company refused to accomodate my request. They claimed I owed the State of IL because of late taxes, but they refused to provide me with a verification of debt. I believe this company violated one of my rights under the FDCPA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I contacted aAdvantage in regards to late fees charged on my account in XXXX. They had not sent the statements to me and I had a purchase of {$25.00} dollars for checking in a bag at the airport. Citi assured me that they would reverse the fee and send a new statement. I updated my email at the time. I checked back now in XXXX and they had not reversed the late fees. I ended up paying the balance off today XXXX and contacted them to reverse the late fees again. They said it had been a couple of months so they can not reverse the previous late fee but will refund me {$35.00}. I asked for a confirmation number and they said it was emailed. I asked the attendant to stay on the line and checked my email but did not receive a confirmation number. When I asked the attendant about it she said it was sent via regular mail. I asked to speak to supervisor to get a confirmation number over the phone at which point the line cut off. I am going to cancel the card as I am not impressed by the service. I wanted to ensure that I do not keep getting charged late fees for what I have already paid for. In total my bag check in of {$25.00} dollars has cost me XXXX for XXXX to XXXX = XXXX. I think this is unfair and Citi should take responsibility. I always pay my cards on time and this card and service seem to be a problem.

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