BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
We had a Bank of America home equity loan protection plan, that they cancelled without offering anything to fall back on. How can the bank we have our mortgage and home equity loan through, just cancel it without helping the customer 's find another protection plan, or other alternative. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: Green Square Company LLC.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
have been called for XXXX different numbers regarding a pay day loan from XXXX XXXX XXXX stating that i will be served court paper work for an amount owed of {$150.00} and it must be paid or legal action will occur.

Company response to consumer: Closed
Consumer complaint received 2016-04-06
Company: DISCOVER BANK
State: PA
Product: Credit card
Issue: Delinquent account

Complaint:
Today on XXXX XXXX, 2016 @ XXXX XXXX I received a phone call at my work number from a representative of Discover Card named XXXX. She is calling me because I have not made any payments on my Discover Card since XXXX 2016, and I informed her that I had turned the account over to a management company. She asked me if they were a credit counseling agency or a debt consolidation agency. My response was " they do both, and I do not wish to speak with you further because I contacted your office in XX/XX/XXXX to try and help me lower my payment or rate and you refused to do anything at all '' and she stated " I am sorry about that but now that you are behind we have things that we can offer you, however if you are working with a debt consolidation company we absolutely do not work with them we do not consolidate our debts and we will hire an attorney to come after you if the debt goes into default and the consolidation company offers us a settlement which we will take and then have the attorney come after you for the rest of the money owed at which point your credit will be ruined. I am angry with this attitude. I was a loyal customer who paid on time, and I attempted to negotiate with each of my credit accounts when I realized that my income was being adjusted temporarily. They all refused to work with me in any way Discover, XXXX XXXX, XXXX, and XXXX. Now that I have updated my contact information with the phone number of the XXXX XXXX XXXX management company everyone including Discover is calling me at phone numbers that are not longer listed on my account. I want a letter of apology from Discover card for their unfriendly attitude with consolidation debt companies, and an acknowledgement that they will work with them on my account! Discover can provide you with the date and time of conversations that I had with the credit representatives in XX/XX/XXXX where I tried to communication with them of upcoming financial burdens and they absolutely refused to offer anything prior to my credit becoming ruined. I believe I was being a responsible consumer, and Discover showed prejudice and turned their backs and now are threatening me with intimidation simply because XXXX XXXX XXXX may not offer them all they money they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: DISCOVER BANK
State: OK
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I was a co-signer on an original student loan, my son refinanced it through Discover student loans. 

They call me at all hours, leave messages. They leave their number but never a name of the company. Just that it is an important business transaction WHen I speak to them the payment is not overdue, they are calling 5 days before it is past due. I direct them to check their on line system, and when they do every time the rep. says that the payment was made within the last XXXX or 36 hours. Then they hang up. 

I have told them time and time again, I am only the co-signer possibly, and not to call me until the debt is overdue, and they refuse to accept this. I get these calls regularly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: Rent Recovery Solutions
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I do not know about this debt at all. It says I owe {$690.00} against XXXX XXXX XXXX XXXX apartment, however I do n't know of any amount which was due at the time of vacation. Property manager confirmed me I had ZERO balance in my account. After 10 months or so I came to know I have to pay this amount but they never provided any evidence of this bill was due. Due to this collection my credit score is highly impacted and would like to have removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I tried to deposit {$3000.00} in ATM, because of chase system failure, atm took my money and didn't credit my account, I filed a claim to get my money back on XX/XX/XXXX. There has been a lot of stress anxiously waiting for the money, chase back didn't credit my account until XX/XX/XXXX. I asked the bank to compensate me for 16 days of extra waiting, chase told me yesterday they don't compensate anything, is this legal not to compensate anything for their system failure and hold my money as long as they want to? 

It seems like the bank deliberately want to hold my money for XXXX business days until the last day to return the money back to me, since I received a call from chase banker on XX/XX/XXXX telling me the money was found in the ATM and he said it was going back to my account on XXXX afternoon, but I don't get the money until a week later. Chase sent me a letter later saying they failed to deposit the money on XXXX without explaining why.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-17
Company: DISCOVER BANK
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Hello, I took out a student loan with XXXX in XX/XX/XXXX to take marketing courses at University XXXX. The courses were demeed to prepare one for a marketing manager role which was untrue. I digress, about 2 years ago XXXX XXXX sold my loan to Discover. Discover has never been able to show me my full repayment history. It 's not available on my online account. I have called customer service many times to find out how much I have paid etc. They will not provide me with anything. The history in my account only shows the payment for the last month and sporadic untrue payments ... like a few payments in XX/XX/XXXX. Also, I have moved abroad and I can only pay from a XXXX bank account. I have direct debit set up and yet every month I get emails from Discover saying that i need to log in to my account to make a payment. I just received XXXX now on XX/XX/XXXX and my account is up to date! No payment is due until XXXX XXXX! So despite not having been a XXXX citizen, I was able to take out student loans for an expensive and inappropriate course, and 14 years later I 'm still paying and ca n't get an accurate history of what I have paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: AmeriCollect
State: NV
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The original creditor can not find the accounts. XXXX of nevada can not find same accounts as americollect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: Bread Financial Holdings, Inc.
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
XXXX 's store credit card by XXXX XXXX. I paid my bill online on XX/XX/XXXX before XXXX. I have an email received at XXXX XX/XX/XXXX. It was due XX/XX/XXXX. They didn't post it until XX/XX/XXXX and then charged me a late fee. Because I paid the full balance as shown on my account as due, I didn't look for any further emails ( in my junk mail for instance ) and so didn't get the late fee bills. I looked at all my credit accounts this week and discovered they have charged me {$92.00} in late fees and interest because of this. I paid the bill and called them to close the account. They offered to reverse only one fee only if I kept my account open. I do not work with fraudulent lenders. They followed up my complaint by stating I still owed {$92.00} and they are contacting the credit reporting agency. 
" Per your request, we have already closed your account on XX/XX/XXXX. 
Your current balance is {$92.00} and this information will be provided to the national credit reporting agencies. We will continue to send monthly billing statements on any remaining balance until it is paid in full. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20
Company: DISCOVER BANK
State: LA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I was the victim of ID theft and a family member opened a fraud account in my name. I have tried to dispute this account with Discover card but they keep saying it is valid and it belongs to me. Of course it would look like its mine cause my Identity was stolen!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello, my name is XXXX XXXX. I have been trying to get my money out of these accounts for some time and the accounts were frozen for several days. Now they are in the process of closing the accounts. That means I have to keep waiting. Please close these accounts immediately and send me a check to my mailing address as soon as possible 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 2016-04-01
Company: Peerless Credit Services Inc
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Please help me ; these are just some of the debt collectors whom I do not owe money to are calling ; They demand your social security number or name and address before speaking to you then say they can not divulge any of their info or who they are ; Please keep them from calling my phone ; I have been registered since 2000 and re-registered over and over and I still get these calls ; The following numbers are ; ... 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25
Company: DISCOVER BANK
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
In XXXX XXXX a California merchant, a XXXX, auto-renewed a subscription I purchased in XXXX without providing a working mechanism by which I could opt out of the auto-renewal. The only mechanism on their online site required me to cancel the current ( XXXX ) subscription before its full term, forfeiting any unused portion. Since I paid for a full subscription, I refused to accept this requirement. Instead, I purposely withheld my Discover Card 's ( DC ) expiration date from the merchant, expecting a credit card transaction lacking a valid expiration date would be rejected by DC. Instead, DC approved the charge without up-to-date account information. 
I disputed the charge via a written claim sent under the Fair Credit Billing Act -- XXXX pages long, with online screen images of the merchant 's site, the merchant 's posted policies, excerpts from the XXXX Auto-Renew Law and Restore Online Shoppers ' Confidence Act of XXXX ( ROSCA. ) I documented the merchant 's missing opt-out mechanism, invalid initial purchase terms ( customers wanting to opt-out of auto-renew could never receive a subscription matching the term they paid for ), and my refusal to take delivery of the auto-renewal ( I cancelled it immediately ). I also showed that the renewal price was twice the original subscription rate, even though the merchant posted terms saying renewal pricing could change ). DC completely ignored everything I submitted to them. They said my claim was " incomplete and/or ambiguous ''. And they ruled in favor of the merchant, overlooking its fraudulent practices -- delivering shorter subscriptions than advertised DC, meaning that customers could not possibly give the " express informed consent '' required by ROSCA. And the merchant 's violation of California law by failing to provide " clear and conspicuous '' and " working '' opt-out mechanisms. DC did no independent investigation of this matter as their corporate Internet prohibited access to the merchant 's website. And they were completely disinterested in ROSCA and the California Auto-Renew Law. Their only investigative act was reading the merchant 's statement and finding it completely valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I addressed fraudulent activity on my account with Citibank, XXXX XXXX. Sent an affidavit to their location in XXXX Texas. Sixty ( 60 ) days later received a Return to Sender in the mail. 
There is no location or new mailing address noted. Please investigate as I do not feel an adequate and full investigation was performed of my concerns, ie., misbilling, unauthorized use.

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 2015-09-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The Collection was oaid in full on XXXX XXXX. 
XXXX of XXXX placed me in Collections on XXXX XXXX. I found out about the collection through a credit report. 
XXXX failed to send me a Bill, after I sold my home in XXXX 2014, even though they had the forwading adress and phone number. The Lack of proper due dilliegence by XXXX and their poor customer Service resulted in a collection becasue they could not bill me. My bills were received by Email - no emails were sent and no regular mail was sent. After 22 years as a cutomer for that house and never being late, this is aphauling. 
Proof of Payment on the collection was provided by XXXX on XXXX XXXX when I made the payment by phone immediatly after finding out about it being ion collections form a credit report - See below. 

XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, COMMISSIONER XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NORTH CAROLINA XXXX XXXX TELEPHONE ( XXXX ) XXXX XXXX Payment Verification Date : XXXX Customer Name : XXXX, XXXX Premise Location : XXXX XXXX XXXX XXXX XXXX, NC, XXXX Payment Date : XXXX Payment Amount : {$83.00} Comments : Customer 's account has a zero balance on the final bill. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: Paypal Holdings, Inc
State: FL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
PayPal updated their system unfairly and deceptively, without warning or advanced notice, that resulted in their system attempting to transfer funds from my checking account to pay for a PayPal purchase which was intended to be ran through my PayPal Line of Credit. PayPal, over the course of 3 weeks, has attempted to withdraw funds ( XXXX ) separate occasions. I only authorized one transaction which I expected to be my line of credit since I *RARELY* use PayPal for cash purposes. I can not recall the last time I used it for cash purchases. As a result, I have been charged {$89.00} in returned check fees from my bank due to multiple unauthorized transactions to my XXXX acct. My intent was NOT to use PayPal for transferring cash money, but rather utilize the PayPal Line of Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Receive phone calls on my mobile phone daily. I am usually unable to answer the calls, and there are no voicemessages left, so I am unable to call back. They also called my work, which is unacceptable. I work at a store and am not allowed to receive personal calls, I have never given out my work phone number, and I want them to stop calling my work before I get in trouble with management and my job is in danger.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited my check into my account from my work almost XXXX weeks ago and they still have not released the funds and they said that they would be available on XX/XX/XXXX and they are still not available and whenever I call they just tell me that theres delays and thats all I get! I keep asking them for help to get my money and all they say is its not available or its been delayed. Its been XXXX weeks!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: American Credit Bureau, Inc.
State: AL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Followup to XXXX, XXXX XXXX XXXX, in which creditor never responded. Not only were there charges for procedures I never received on this bogus bill, patient and insurance plan combined had to pay over {$7000.00} to have corrected serious mistakes this dentist made and refused to correct : a XXXX job that lasted only several months in which he refused to repair and stated that " I 'm lucky it lasted this long because XXXX only lasts a year '' ( not true ) where another dentist had to correct for a total of {$1800.00} ; XXXX that caused XXXX where another dentist had to repair for a total cost of {$1100.00} ; and never XXXX that another dentist XXXX corrected for over {$4000.00}. Now, he has the nerve to try to collect additional monies of {$1300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: PHH Mortgage Services Corporation
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Was looking at a house with a Coldwell Banker Agent. She referred me to one loan officer and he collected my information. He never disclosed that he was n't the person who would run my credit. He worked for PHH Mortgage and the Coldwell Banker in XXXX. His name was XXXX. I feel as if something was being done that was n't legitimate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: ASSOCIATED BANC-CORP
State: WI
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I was charged a service fee of XXXX dollars for 4 months before I caught it. Associated bank of Wisconsin raised the minimum checking balance from XXXX to XXXX dollars XX/XX/XXXX. I called Associated Bank and complained. They told me that I received numerous notifications especially to my on line banking mail. I have checked My history and there are no notifications. The total amount of fees collected were XXXX dollars. XXXX dollars for each month XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2015. Associated did credit back XXXX dollars but would not give the full amount back to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XXXX, XXXX, I brought a XXXX XXXX Savings Bond to Bank of America to cash. After determining its value, Bank of America deposited the proceeds into an account they opened for me. In XXXX, XXXX, I received correspondence form Bank of America that was somewhat incoherent, but noticed that a hold had been put on my account there, and the original deposit had been reversed. After calling Bank of America to try to find out what was going on, I was unable to get any meaningful information explaining the situation, ad was advised by the telephone representative that I had to go into the local branch and speak with the representative there. I did do this and was informed by the representative that the US Treasury said the Savings Bond was counterfeit, or fraudulent.

Since I have had this bond in my possession since its original acquisition in XXXX and have cashed other XXXX XXXX XXXX in the past without problem, I found this to be extremely troubling. To try to corroborate what I was being told by Bank of America ; I went to the US Treasury website treasurydirect.gov where there is a calculator that determines bond value after inputting the identifying specifics. My assumption was that if there was a problem with this bond, it would be flagged as problematic in some way when it attempted to provide the value. There is no indication of any problem with the bond, and the values given both with respect to principal and interest earned were identical to what Bank of America originally had computed. 
At this point my account that Bank of America froze had around {$1000.00} remaining in it, and well as they apparently put my account in a deficiency because of their reversal of the original deposit. I was advised that the problem was with the U.S. Treasury and that I would have to resolve it with them. There does not seem to be a way accessible to retail customers such as myself to do this. The online waiting time after a trying to call several times is around two hours, and I still would have no specific pathway to resolution. Moreover, I am not particularly confident that what I was told by Bank of America is accurate since the Treasury website does not indicate a problem with the bond, and I feel like I am being given the run-around.

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