BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-08
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I would like an explanation regarding my mortgage escrow account. I requested, by fax on XXXX/XXXX/XXXX, a copy of my escrow analysis. I called on XXXX/XXXX/XXXX to inquire about the status of my request and I was told that nothing was in my account regarding a request for an escrow analysis. I also learned that there is a shortage in my account. Attached is my XXXX from XXXX. How can I have a shortage in my account if I had a balance as of XXXX/XXXX/XXXX. Where is the excess amount applied and how is the shortage incurred? I am now questioning all the shortages I have paid in the past and whether I should receive interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
They originally called stating that they were representatives of a federal agency and that my file was subject to a criminal complaint. They would call from different numbers and use different tactics to get me to think i was in trouble with the law. The debt remained on my credit report months after i paid it. I have disputed it and talked to the collection agency. They indicated that because i disputed the account, they had to send info on the amount i previous owed without stating that the account is paid off.

Company response to consumer: Closed
Consumer complaint received 2017-10-11
Company: AMERICAN EXPRESS COMPANY
State: WI
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:
A friend of mine wanted to sign up for my credit card - the Delta Platinum Skymiles American Express. I sent him the referral link on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX which he used to sign up. He was approved and signed up, I have even seen his card since then. I called several times, including XXXX/XXXX/XXXX and they told me they did n't even see him as a member. He then called to verify his info and opened a ticket XXXX/XXXX/XXXX. He was given a ticket number XXXX and told we should follow up in 6-8 weeks. as of XXXX/XXXX/XXXX, my friend called back in and was told it was still active. I called in XXXX/XXXX/XXXX and was hung up on, called back in and was told that they deemed I did not earn the referral points. I asked to speak to a supervisor and they said someone would call me back, nobody ever did. Today XXXX/XXXX/XXXX, I called in and they said I did not earn the XXXX points because my friend did n't use the link ... which he in fact did use. I asked to speak to a supervisor again and was told they would call me back. I refused that given my prior experience and was put on hold and eventually transferred. The supervisor told me she can not help, that I would have to reopen another ticket that would take up to another 120 days to review and that I should call tech support at XXXX. At this point, I am so frustrated. I have another friend who wants to sign up but I refuse to refer her in to such a flawed system. I have been a member since XXXX and am beyond frustrated. This is for XXXX referral points!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: RevSolve, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I called into this medical debt collector to pay a medical debt for my wife 's credit which we did n't know it was n't paid for & paid it in full. They start telling me that I ( the husband ) had XXXX accounts that was n't paid started demanding that I pay all these accounts with no info of account # 's nor having said the option to see or dispute the debts that was in?. I had no info nor this was n't on my credit report of any of these debts. After having an 1 hour phone call dictating & me trying to get info on these account, they refuse to provide & they went & put this back on the all XXXX credit bureau 's after I had an attorney look over this & they removed these because they were in?.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I has established a direct deposit to my new savings account opened with TD Bank. The amount was received by the bank but they held it in a warehouse and refused to credit the funds to my account despite numerous requests. At first I was told that at TD Bank unlike all other banks direct deposits get credited only at the end of the business day and not first thing in the morning. When I pushed back on the explanation provided, I was told that the funds ( large amount exceeding XXXX ) was being held in their " warehouse '' as the instructions indicate the account type is checking and not saving. After being placed on hold for over 30 minutes was told that the " warehouse '' has been requested to release the payment. It is not guaranteed but the funds " may be '' made available tomorrow. I indicated that it was not acceptable for the bank or the " warehouse '' to simply hold my payment for over 24 hours ( or more as not guaranteed ). I was told I was at the bank 's mercy and they can hold my payment for as long as the " warehouse '' deems necessary and that the bank can only send them a message which they have already done. When asked to speak to a Manager I was placed on additional 15 minutes hold and then old no one is available. When asked on how as a consumer I feel helpless and taken advantage of and need to escalate I was again placed on another long hold and then asked to leave a voicemail to the Manager. Left the voicemail and as expected did not hear back. 
What protections if any do I have when the Bank or its agent - the " warehouse '' illegally hold my funds with no resolution or guarantee on when I will get the funds? 
What are the penalties and sanctions that the bank is exposed to for such illegal, unethical and immoral acts? 
Are consumers in this country just at the mercy of banks like TD bank and banks can hold the hard-earned direct deposits funds whenever and however they like? 
What are the labor law violations that the bank has committed by avoiding a worker from having timely access to their wages? 
Most unacceptable daylight robbery by the Bank. 
Details of the individuals involved : Agent - Her name was probably XXXX - She seemed completely ignorant with no knowledge of banking what so ever. 
Supervisor - XXXX. Refused to give her full name. Extension - XXXX. Called herself both the supervisor and Manager. Was extremely rude, arrogant, and indicated that the bank could take as long as they want and that as a consumer I had no recourse against the Bank or their " warehouse ''. 
Manager - The voicemail indicated her name was XXXX. Failed to contact me despite my detailed message and plea regarding the important matter on hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: Receivables Performance Management, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Yesterday ( XXXX/XXXX/16 ), at around XXXX and XXXX, I received a call regarding a debt owed by a " XXXX '' which is not my name. Both calls went to voicemail without a message left, and I immediately called back after the XXXX call. The individual who answered became argumentative, and I hung up. Today ( XXXX/XXXX/16 ) at XXXX I received a call from a number XXXX again in regards to a debt owed by " XXXX. '' Once again, I had to tell these people that I am not XXXX and to remove my number from their database. At this point, I am not sure if this company is legitimate or a scam operation.

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 2021-05-12
Company: Coinbase, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
To whom it may concern : My name is XXXX XXXX & my email address is XXXX - I am sure its aware that you had more dealings with me during the Obama admin. Speaking of him, I have to also be realistic as everyone from news to ppl on the street continue saying, if you do what you do how many people really know what you do. For myself, one day during Obama, I go on your site and it was the first one I ever seen that said an official site of the United States govt.. From my prior experience, I wrote to you regarding private companies and state governments. I think that so much of what I do, obviously I have no idea that my future consists of xyz. I still go through craziness but have to remind myself that not only dont I have one tattoo on my face saying XXXX - but even here in XXXX XXXX, where I think anyone walked right by me could be XXXX and Im sure a few were. But the thing neither you guys and others will never get is that in that oath that many take to protect from enemies far and within, you do get how no one having an inkling I am XXXX, treat me like as they treat everyone but when my agency uses its ability to control realities, to control mine and an experience that I experience whatever I do not even an inkling of having the Supreme Court rule if its constitutional or not. Post XXXX, anyone or any company that i complained to you about, you took care of the situation. Yes Im XXXX but in this world that I have to just understand that if what I experienced was XXXX up and as with Obama and others would say that I am as fair as it gets, for someone who is known to have no rules or laws to live by, why dont I just get this issue fixed? Here goes. 
You know coinbase.com / last week, I lost one of my XXXX  here in XXXX. I called coinbase to temp disable access to my account until I tell them further. For the past week, I changed my coinbase password some six times. Id go two days of their automatic messages saying since covid, theyve been getting massive amounts of phone calls and either tell me they will call me back and never do. The other option Ive received is just hanging up on me. Isnt their its not a right but its closest to a right, its us law. Isnt their a us law that states financial institutions that knowingly and wilingly holds a client from their funds then in my world, that financial institution has no place in our society. I literally have like XXXX in that account and it doesnt matter if its XXXX dollar or XXXX XXXX coinbase sent me an email that I attached to this and says, your acct recovery process is done, just change your password and youll be logging back into your account. Its been eight days that coinbase, knowingly and willingly held me from my funds. Its a national emergency with covid and its an emergency for. Me to gain access to my account again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Resurgent Capital Services L.P.
State: SC
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:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I have changed the settings in my Best Buy credit card electronic system so that only the minimum payment could be paid from my XXXX XXXX XXXX account, and erased all previous bank accounts so they would n't be charged. In this month, XXXX 2015, Best Buy charged both of my bank accounts, XXXX for {$63.00} and XXXX XXXX XXXX for {$1700.00}. I never authorized Best Buy to take the full balance from my XXXX XXXX XXXX account, since I know I do not have all the funds available. In addition, I had removed my XXXX account from their system, which makes the payment processed on XXXX/XXXX/2015 unauthorized as well. I have both of my accounts negative and no money for the week and bills, due to unauthorized activities from Best Buy. Yet when I contact them, their response is that this is my error and they are not responsible for any of these system errors. Both of Best Buy claims department and costumer service department contradicts each other as when giving me information, and lacks communication. None could help me explain why was I being charged and the mix information given was that I must cancel online, and the other said to cancel the automatic payments over the phone. I have done both but my account was once again charged and overdrawn for {$1700.00}. This whole situation is very stressful and drives me desperate, since I am left with several overdrawn fees, no money in my account for personal use or to pay bills, and several hours of phone conversations to have no solutions. I am tired, stressed and under a whole lot of pressure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Credit Plus Inc
State: WI
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:
I submitted a report about my credit being pulled without my authorization. I want the inquiry removed from my credit report. 

Credit plus responded back " On XX/XX/XXXX, XXXX XXXX XXXX pulled your credit report with the permissible purpose of securing a mortgage loan. If you did not authorize access to credit data ; please file a new case. A hard copy of this same information will be mailed to your postal address. Please contact our Consumer Disputes Specialists at XXXX or XXXX if you have any further questions/concerns. Sincerely, Credit Plus Inc. '' As I stated in the original report, I DID NOT AUTHORIZE ACCESS TO MY CREDIT DATA. My husband mentioned in casual conversation to someone from XXXX that we might be refinancing this year, and they took it upon themselves to PULL MY CREDIT to check rates. We did NOT authorize a credit pull, and no one ever spoke with me at all, they just accessed my information from when we were originally applying for loans back in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: Southwest Business Corporation
State: OH
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have resolved this debt with the original lender. I have notified AP account services of this XXXX times over the phone and have asked them XXXX times over the phone not to call me. They call me XXXX to XXXX times a day and sometimes call after 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 2015-09-20
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
PennyMac Mortgage offers a bi-weekly payment plan program to borrowers advertised as free. Intent of bi-weekly payment plans is to accelerate loan re-payment and substantial savings in interest for borrowers by effectively applying XXXX additional monthly payment per year. However, PennyMac ( and other lenders ) are taking advantage of borrowers and preying on their general lack of understanding of mortgages and principle balance interest rate accruals. PennyMacs ' practices take advantage of borrowers by not applying principle portions of the bi-weekly payments when they are received and holds them for two to three weeks while borrower accounts still accrue interest charges on the wrong principle balance. According to the fine print in the bi-weekly autopay agreement, they intentionally do this to profit the loan servicer as stated in Section XXXX, " I understand that Servicer may derive a benefit as a result of holding partial payments in its accounts during the period of time while a full payment has not yet been made. Any direct or indirect benefit that may be associated with any funds held in a partial account shall accrue to Servicer. I waive any right or any other related benefits that Servicer may receive. " Since my complaints, PennyMac also continues to not apply any additional payments I send in to the principle balance, when it is received - see attached. My additional payment of XXXX dollars was received on XXXX XXXX 2015. As of today, XXXX XXXX, it still has not been applied to the principle balance. I expect PennyMac to properly and promptly apply additional payments to principle when they are received. They actually pretend to not know how I want that additional payment applied! 
Lastly, and since my previous complaints, PennyMac has recently started blocking third party personal finance software ( like XXXX and XXXX ) from accessing my account and downloading balance and payment and payment history information. If it was n't for this software I would have never realized that PennyMac was mismanaging my principle payments and I would not have discovered strange 'inspection ' charges to my account without my knowledge or permission. I am a XXXX veteran, this is a VA mortgage, and PennyMac should be ashamed and embarrassed for their predatory and deceitful behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: JPMORGAN CHASE & CO.
State: OH
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I had a lease through Mazda Capital which is ran by Chase Bank. The lease was ending and I turned the car in at the dealership and notified Mazda Capital. I checked on my online banking and it said that automatic payments were turned OFF. On the payment due date they deducted another payment from the bank account that WAS NOT OWED because I turned the car in and ended the lease. I called Mazda Capital/Chase about this on the day the payment occured and they assured me that I would get a refund within a week. After a week had passed I called again and was told that the refund was denied because they will not issue the refund until they completely close the lease account and send the end of lease bill. I was told this end of lease bill can take 30 to 90 days to generate so that means they will have been holding on to a payment that should never have been made for months! I called and pleaded with them that I need this money back - I spoke to a supervisor and they do not care. I was told there is nothing that they can do for me other than wait. This is not right! I need this money to pay my bills and I never owed this money. I turned the vehicle in a few days before the lease ended, there was no more money due on the account. Please help me. I would have attached documents to this complaint, however my online account disappeared from my online profile right after I called and complained so now I have no access.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-08
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Never missed a payment, nor have any payments been " late ''. Yet each month Everhome Mortgage calls from an unknown number usually after normal business hours and requests a call back because they have " important information regarding your account ''. However, you can only call the number during normal business hours on the XXXX XXXX ( I live on the XXXX XXXX ). When you do reach a representative, they start with " this call will be monitored for training and security, yada yada ''. Next the representative asks whether you live in the home, whether you plan on moving, are you have financial difficulties, do you have anyone else living at the home, etc. The questions continue until they finally ask, " when will your payment be sent? '' and " why has n't it been sent already? ". Again, I am not behind on payments, never have been and send payment around the same time each and every month. When I remind the caller of this, they say " well it 's due on the XXXX ''. I say I am aware of that and want to know why I am being treated like a delinquent. They reply " because you are not set up on automatic payments ''. When I agree to set up automatic payments they say that there will be a {$10.00} fee if the payment is not processed on the XXXX of the month. Of course, I reply with " you 've got to be kidding, I am not paying a penny more than what is due '' and tell them a check is in the mail then hang up. Because of the frequency and regularity of these calls, I feel harassed by Everhome Mortgage and it 's extremely distressing when they call. Today they called while I was at work and I repeatedly asked what was the reason for the call ( because I am at work! ) the caller said he would get to that after he said his speech about the call being recorded. I told him he has XXXX seconds or I am hanging up. He then said that he was calling about the XXXX XXXX payment and before I could say anything, he says " which was received today, please disregard this call '' and goes into another speech about customer service so I just hung up the phone. Thank you Everhome for yet another harassing phone call that caused me undue stress and embarrassment in front of my co-workers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid to XXXX XXXX Which represents " XXXX XXXX  XXXX '' for a debt I didn't owe which is my Uncle 's.

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 2016-01-27
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
CITI card services continues to call and leave messages at my place of employment. I do not and have never held a CITI card personally of for my company. I tried calling for over a week with no response, then on XXXX/XXXX/2016 I was hung up on by a XXXX, XXXX, XXXX and the escalation department with no assistance. This is either a scam or they have violated my rights. My employees think that I have unpaid bills, my credit XXXX be in jeopardy based in incorrect information. 

XXXX XXXX XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation