BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-08
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I initiated my request for a loan modification with Seterus on XXXX/XXXX/XXXX. In order to get movement on my modification, I had to to reach out to my investor, XXXX, directly in XXXX/XXXX/XXXX. 
Seterus offered me a Trial Period Plan on XXXX/XXXX/XXXX which required that I make {$890.00} payments on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. All these payments were made as agreed. To date, I have not received my permanent modification documents. I talked to a Seterus customer service representative, XXXX XXXX, on XXXX/XXXX/XXXX. 
XXXX said that modification papers were being drawn. 
The documents had not arrived by XXXX XXXX, so I called Seterus and talked to XXXX on XXXX/XXXX/XXXX who said that the documents were being generated. To date, no modification documents have been delivered to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In Georgia, written contracts have a statute of limitations period of 6 years from the time in which the debt becomes due and payable and the period runs from the date of last payment ( OCGA 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 2020-06-11
Company: Colony Brands, Inc.
State: MA
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 was shocked when I reviewed my credit report and found late payment on my payment history coming from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: NJ
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Man by the name of " XXXX XXXX '' continously calls me. I spoke with him once where he tried to get me to settle a debt from a school loan that was through XXXX. He used tactics such as illegally trying to persuade me that he was speaking to XXXX as he was speaking to me and was making offers which were absolutely bogus. How could he keep getting different settlement prices when he was speaking on the phone to only me? 

This XXXX XXXX guy continued to tell me to " go get loan with a co-signer and pay him '' which is not logical. After he saw I was not budging, he continued to try and set up a monthly payment plan which I was not interested in either. 

XXXX also called my parents house phone and spoke to my father. He does not understand the word " no '' and " stop calling ''. He leaves me voicemails stating that " This is a very serious matter '' and " This is a debt that needs to be taken care right away ''. I feel very threatened and annoyed by this man and this companies scam tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I have sent dispute letters regarding name which is incorrect and have submitted fraudulent activity under name every month for the past 3 years and have spoken to debt collector numerous times to stop calling and harassing me because they are asking to speak to named person on letters but my name is similar but I don't go by that name. 

Amount : XXXX XXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
On XX/XX/2021 I received a cover letter and a check for {$3600.00} thanking me for taking out the personal loan. However, I never applied for the loan nor was I aware of this loan. I am unsure, but it feels like a scam.

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 2021-11-21
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I submitted 2 more complaints for the same matter which is : TD bank is holding {$28000.00} of funds that were in my checking account they closed on XX/XX/2021, 7  months ago. Their responses to My two previous complaints were first that they would return the funds to the sender XXXX which never happened and second that they would send me a check of that amount to my name at my address on file which also never happened. So basically td bank closed my account with a {$28000.00} balance which never gave it me when they zero the balance in it. I am attaching td banks responses to ly previous complaints about the same matter. 
P.S XXXX XXXX the customer care advocate who sent the responses never responded to my numerous emails and phone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE
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:
I was contacted in XXXX XXXX XXXX by A XXXX from Bank of America about getting my cash rewards in the amount of {$74.00}. then I received an email saying I had requested a XXXX XXXX XXXX XXXX in the amount of {$5400.00}. I in turn sent this the the abuse email address on the email. I HAD NOT requested any Cash advance. XXXX from Bank of America called me and said there had been a mistake made and that they would take the money from my account that it was sent to and credit it to my credit card account. The money was taken from bank in the form of an ACH in the amount of {$5400.00} but was never applied to my credit card. I have filed XXXX fraud cases with Bank of America both have been denied. I have the copy of the ACH form with the man 's name, address and where he put the last 4 digits of the card number on also. Bank of America says they are not seeing this as fraud. Even though I did not ask for the Cash Advance. They will not look into this. Also ask for the copies of what I had sent them back to which I have received nothing

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 2017-05-20
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Every month the interest gets higher and higher. It 's very hard to fix it, soon i will not be able to afford paying for this loan. This company is currently making students like me in a higher debt than we should be in, because i got an education.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: EAST WEST BANK
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
This complaint is filed against EAST WEST BANK, headquarter located in XXXX, CA. I have a business account with this bank, our funds in this bank got stolen several times by ACH online unauthorized withdraws starting last year. The bank refunded me last year for the money stolen from them online system for over {$8000.00}. I changed the account number with East West bank recommended by the bank stuffs aftervise. However the illegal unauthorized ACH online withdrawn happened again on XXXX XXXX, 2015 for {$16000.00} with this new account. The bank now refused to refund me for over XXXX weeks now. I contacted the bank for a lot of times by phone calls and emails. But they said due to this is business account, we are not protected by consumer 's right of 10 days refund rule. They ever recommended to contact the criminal to solve the problem. I never knew this so called merchant and never authorized any payment to this company. But I still called the number provided by bank. First time they provided the number went to someone 's voice mail with the voice mail was full. Then they gave me another number went through a guy was the previous employee of this company. Say no more, the company 's business is phony and maybe online criminals. I think my bank account shall be XXXX liabilities for the funds was stolen from online ACH, without anyone authorization. We never knew this company and never had done anything with the so call merchant. 

Clearly, the bank is still refused to refund our money back even I reported them the contacts i made with this company. I reported to the local policy station by no choice. 

Please help us, the funds are very important for we are small business. We wo n't survive if the bank still not refunding me. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We had a mortgage with Bank Of America. It was transferred to XXXX effective XXXX/XXXX/2015. I just checked my credit reports, and discovered Bank of America has reported us 30 days delinquent for XXXX 2015. After spending 2 hours on the phone, I was sable to clarify their rationale for our reported delinquency. Our mortgage payment had been XXXX. We paid that XXXX/XXXX/2015 and BoA confirmed receipt. However, BoA says they reanalyzed our escrow in XXXX and discovered our real estate taxes had increased. They claimed to have sent us notification prior to the XXXX XXXX payment due date to this effect. We have no record of this letter. BoA reanalyzed our escrow a second time in XXXX, and sent us another letter dated XXXX/XXXX/15 informing us of this and advising our new payment amount was {$1500.00}, effective XXXX 2015. We interpreted this to mean our XXXX payment was the same as previous, and that our increased payment began in XXXX. We paid our XXXX installment XXXX. We then received a notification form BoA advising us our escrow was short {$170.00} due to the real estate tax increase. We made that payment XXXX via check. the check was cashed. We then made our XXXX payment for {$1500.00} on XXXX XXXX. Now, BoA claims we were technically delinquent in XXXX. They ca n't adequately explain why.

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 2016-07-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
sent a letter to Equifax letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Equifax did n't remove the accounts they sent me a letter back saying that the items had been verified. I have requested an investigation and re-investigation on XXXX, XXXX, 2016 and again on XXXX, both times my request were ignored. I am asking that these accounts be removed as they are fraudulent and XXXX request to be investigated have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: JPMORGAN CHASE & CO.
State: WA
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 am a long term Chase customer that was defrauded by a merchant. Chase has sided with the merchant that defrauded me without even asking me for any information or documentation. 

On XXXX I purchased an appliance from XXXX XXXX, an online appliance retailer. The total cost was {$1200.00}. 
On XXXX the item shipped. Upon arrival we immediately knew this would not work for our kitchen and requested instructions on how to return the appliance. 

XXXX ignored us and the return request until I contested the charge over a month later ( XXXX ). Their site requires you to go through them to get RMA details, so without their reply I was unable to do a return. 

After contesting the charge, they replied to our email saying to return it at our expense and they will refund approximately {$900.00}, keeping the rest claiming it was their cost shipping it to us. They refuse to document the shipping cost of over {$300.00} ( about 25 % of the cost of the appliance itself ), saying it's none of my business and I have to pay whatever they say I should pay. I contacted the shipping company and they would not provide documentation but confirmed that the number they were attempting to charge me was above the actual cost of shipping. ( XXXX XXXX, tracking number XXXX, ship date XX/XX/20, Bill of Lading # : XXXX, Purchase Order : XXXX ). 

Additionally, the XXXX 's site clearly states they will help set up a return shipment since appliances are large and typically ship via a freight carrier and not XXXX/etc. They also promise to use their negotiated rates which are less expensive than consumer rates. They have refused, saying it's not their responsibility. As such I don't have any idea how to actually return this item to them. ( Their terms directly state : " If the product you are returning or exchanging is an overweight or oversized item that was shipped via XXXX  carrier and you need assistance, please contact us and we will provide you with a shipping quote* to have your product returned. '' ) I have been defrauded by a merchant who has both tried to make returning a product within their policy difficult to impossible, and Chase took their side in the dispute -- without ever even reaching out to me to ask about the response or if it was even true ( there are several lies in the response from the merchant, which makes sense, they're defrauding me ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Shellpoint Mortgage servicing has not paid my taxes since they purchased my loan The money is siting in escrow and I am being charged interest by the NY state government. They have made other errors as well such as listing the wrong mortgage rate.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Experian Information Solutions Inc.
State: TX
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 sent a letter to on XX/XX/2021 disputing the vaildty of a bankruptcy their reporting on my credit report. The response letter stated verified. They could not send how the verfied and needs to be deleted according to the FCRA which they once refuse again to delete which is exploding to purchase a home and causing me to pay thousands more in interest each year

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 2016-09-26
Company: Avadyne Health Holdings, Inc
State: OK
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I made an agreement with XXXX XXXX XXXX XXXX to pay {$40.00} per month until my bill is paid in full. All payments have been made on time. Also, all my statements state, " By remitting your monthly payment in the amount of {$40.00} by " due date '', which is the XXXX of each month, this will avoid any future collection efforts. I recently received a bill from H & R Accounts stating the remaining amount I owed XXXX was due in full to avoid all collection activity and/or negative report to the credit bureau. I spoke with XXXX at XXXX billing department and was told my account was in good standing and that H & R Accounts had been hired to do " billing '' for XXXX and made an error by sending me a collection notice. I was told I may still make my {$40.00} per month payment to XXXX. I believe that H & R Accounts is knowingly sending these " collection '' statements as a scare tactic to get payment is full, instead of honoring the payment plan agreement made by XXXX. I contacted H & R Accounts and spoke to XXXX XXXX and told him to stop sending collection notices and that I will continue to make my payments to XXXX each month and that this " shakedown '' as I see it, is illegal. Please check into this, as I believe there are people receiving these notices that do n't understand they have rights. 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 2017-10-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Wells Fargo 's reward program for the XXXX XXXX XXXX states a customer will receive a {$200.00} cash rewards bonus if you spend {$1000.00} ( net purchases ) in first 3 months. 

Specifically, ( footnote 1 ) The bonus cash rewards will show as redeemable within 1-2 billing periods after they are earned. 

https : //www.wellsfargo.comXXXX I made a qualifying purchase on XX/XX/XXXX, and three billing cycles have elapsed ( XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX ) and I have not received the bonus. Wells Fargo is not honoring its contract. 

Wells Fargo should immediately issue me the {$200.00} bonus.

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 2020-06-11
Company: The Law Offices of Burr & Reid, LLP
State: NY
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 a derogatory mark on my XXXX  credit report, the collection agency Burr & Reid from XXXX, NY never contacted me to let me know I had a debt in collections! They said they did and I told them I never received a letter or anything else to inform me of the debt! I asked them what address they had listed for me and they read off a different address than mine not my address. They said not there problem, I said if the debt is mine Ill pay it off as long as you have it taken off my credit report and they said no they wont take it off the credit report regardless if you pay it! How is this fair!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: WHEELS FINANCIAL GROUP, LLC.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This account was opened without my knowledge. It is now a growing account started at {$2000.00} and is now up to {$18000.00}. I called company requested any info and the refused telling me that no info can be given to me since I claimed it to a fraudulent account, and I was hung up on. Every month this company since 2014 has reopened in credit report and has added a {$240.00} charge making balance in credit report sky high.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: Comerica
State: CT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
MONEY WAS DEBITED FROM MY DIRECT EXPRESS DEBIT CARD WITHOUT MY CONSENT!! THIS HAS BEEN HAPPENING WAY TO MANY TIMES!! MY SOCIAL SECURITY XXXX INSURANCE BENEFITS ARE PLACED ON MY DIRECT EXPRESS DEBIT CARD EVERY FIRST WEEK OF EVERY MONTH. WHAT 'S BEEN HAPPENING IS I HAVE BEEN FINDING OUT THAT THERE HAVE BEEN DEBITS OF MONEY TRANSACTIONS MADE WITHOUT MY CONSENT!!! AND THIS HAS CONTINUED AND CONTINUED EVEN AFTER DIRECT EXPRESS WOULD ISSUE ME A BRAND NEW DEBIT CARD ALONG WITH THE CFPB BEING WELL AWARE OF THIS BECAUSE I 'VE SUBMITTED SIMILAR COMPLAINTS REGARDING THIS SAME ISSUE YET IT CONTINUES TO OCCUR. I WANT THIS TO STOP NOW AND I WANT ALL MY MONEY RETURNED TO ME AND ON MY NEW DIRECT EXPRESS DEBIT CARD IMMEDIATELY!!!

Company response to consumer: Closed with explanation