BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
HSBC is dragging this out rather than just close the account, I did not see any way to update my previous complaint in which the bank refuses to close the account, now they are trying to charge me maintenance fees for an account they refuse to close. 
I have no access to the account and do not want it. 
I signed up for a promotion they offered, and they did not live up to the promotion, their representatives kept adding conditions that were not disclosed, and then telling me I did n't have the 'right ' kind of account in the first place. 
So the promotion was a fraud, I want nothing more to do with them, and their sham of a response 'needing more time ' is just their effort to drag this out and try to collect fees that I do not owe them since the account should have been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: Account Control Technology, Inc.
State: FL
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I am not the person who has the debt. But they are in close relation to me, they 're my partner. However I had no knowledge of of them having any time sensitive issue as was stated to me. And it would have been better for them to inform me themselves as opposed to a company calling me, and my family members who are in no way related to anything concerning the matter. There were questions asked about my partners place of residence, there were questions ask about their contact info etc. and any legitimate company would at least provide some sort of ground based information as to how paramount the case at hand is. The company persists to harass us, on no basis in relation to the matter at hand. Name of company in question is Account Control based out of XXXX California. XXXX of the callback numbers associated with them are,XXXX and XXXX with an extension listed as XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-01
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Submitted an complete Loan Modification packet on XXXX XXXX, 2015 to Fay Loan Servicing. 
We have not had a return call or email response from Fay Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08
Company: United Collection Service, Inc (FL)
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
With regards to account # XXXX, I observed that this company had been reporting fraudulent information to the credit bureau and was listed on my credit profile. This false information plummeted my credit score and I told them three times- this account does n't belong to me. I have even asked them to validate the debt to which they have refused to comply. I further asked for as copy of the contract that contractually obligates me to pay them a debt- I do n't owe. I know I have rights as a consumer according to the FCRA and the FDCPA to which they have already violated three times by reporting. This information can be litigated as a civil matter. However, I just want them to delete these account due to it being reported in error.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
first citizen bank gave me short term XXXX 7 year loans on my home for 18 years XXXX. was the end of my loan, after I made XXXX payment I went to see XXXX XXXX bk. manager he put me off saying it was too early to start proses I contacted XXXX they wrote me a loan with XXXX loan I was still working with first citizen they said I could get {$300.00}. to {$1000.00}. closeing cost. XXXX had my loan ready with a {$4200.00}. closing I stay in contact with XXXX there was always some delay I finly told XXXX to close. then first citizen charge me a {$5600.00}. late fee it change my debt to income {$29.00}. to low I had to take a XXXX loan with XXXX my credit score was XXXX first citizen cause the delay I never had a late payment for 18 years, I contacted customer service for someone else to handle my loan no change, first citizen cause all the delays and no reasen to charge me alate fee I wont my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I 'm writing to contest how my loan servicer is calculating the interest on my student loans. I had loans in the amount of {$120000.00} with 7 % interest. Fedloans has been servicing my loans since XXXX. I am on an income-based repayment plan. In XXXX of XXXX they mistakenly took me off IBR and said I owed the full amount of my loan payments which was about {$1400.00} per month. I called them and they said I filled out the wrong paperwork for my annual IBR recertification. I filled out the right one and my monthly loan payments were correctly adjusted by XXXX. They told me they would give me a forebearance for the month of XXXX which I could n't pay. When I looked at my statement, they ended up capitalizing all the interest in my loan since XXXX because of the 1-month forebearance. This ended up being {$13000.00}, so now my total loan balance has skyrocketed to {$130000.00}. I do n't think they can do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
On XXXX XXXX I submitted a complaint concerning a mortgage loan with Bank of America. 
I would like to submit additional information I received after XXXX XXXX, 2016. It involves a letter from BOA concerning collateral and insufficient funds. 
The documents I am providing will show BOA claims to be untrue. The banking statements will show there was adequate funds available.

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 2016-10-18
Company: JPMORGAN CHASE & CO.
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I wanted to express my frustration with Chase Bank process of processing claims and managing security of customer funds ( checking accounts in particular ). On XXXX XXXX, 2016 I mailed XXXX checks to pay monthly bills. Both envelopes stolen from mail box, checks altered to someone 's private name ( same name in both cases ), amounts altered as well ( same amounts of {$350.00} written ), my signature left intact. Both checks were cashed on the same day XXXX XXXX, 2016 in XXXX closely located Chase branches in XXXX XXXX, WA for the same amount of money by the same individual. This is outrageously out of my pattern of spending which is not monitored at all. I also held Chase visa card and I had similar pattern of forgery which was INSTATLY detected and fraud stopped without financial losses, why same bank does not apply same rules for different accounts? The computer programs are in existence to determine account activity pattern and anything out of ordinary must have raised red flag. Besides that, even looking at electronic images of my checks I can see forgery not to mention originals which BANK has in its possession. It was an easy thing to detect as criminal was not very wise. But the bank clerks were even more stupid to allow for this. When I filed the claim clerks stated it was my responsibility to monitor my money. REALLY? Why would I be so stupid to deposit it in the bank then, I will keep it at home. As a result of submitted claim I now have to wait up to 120 days to get the money back. Really? Bank instantly issued my money to a criminal and law abiding citizens have to wait 120 days? I must have my money back as soon as claim is accepted and affidavit signed. When I requested claims clerk to explain what would be done as corrective action in this case she stated nothing, there are limitations what they can and can not do. Are you kidding me? So there is no quality Assurance function there like everywhere else? Wait for another financial crisis then, nobody will deposit money into your bank soon. Chase must perform preventative and corrective measures like any other industry does for consumers safety and financial stability. I work for XXXX. I can not imagine we blame our customers to monitor their own XXXX. This is outrageous and must be monitored by government. The processes today eventually do not preclude bank form accepting fraudulent checks. The must change then. And quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: Collections Acquisition Company, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint:
kept calling my phone, asking me to pay the bill, and refusing to speak to attorney, attorney asked them remove this from my credit and provide her with the necessary party that provided them the information, they refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: Law Offices of Gary H. Kreppel P.C.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a debt with XXXX XXXX that was being handled for collections by an Attorney Gary Kreppel ( see attached ) .We arrived at a settlement and I advised I could pay by XX/XX/XXXX and it was agreed upon.The monies were sent but the check was never cashed.I am attaching evidence of payment and receipt of payment.The settlent letter evidences a date of XX/XX/XXXX but his office was informed that the earliest it would be there would be XXXX and I was informed that it would be no problem..He has been deceptive and I operated in good faith.I did n't receive the court notification until after the court date.i have moved XXXX in the last year.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: Northeast Receivables Management, LLC
State: VT
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
robo call/voicemail left on my cell phone for a debt paid many years ago. Threatened legal action if i did n't call back. I called and a man answered, when i said i did n't have the case # he became very upset. I said i was recording the conversation, he said he was too. He verified who i was with my legal name and last XXXX of my social. I then said i needed him to mail me the info, he said i was being rude and that i interrupted him and he was n't going to put up with it, he would see me in court. Then he hung up on me. I called back, he immediately hung up on me. I called back and he said he was giving me a verbal warning that i was harassing him and he would sue me. Then he hung up on me again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Late fee

Complaint:
Dear Sir, I was charged excessive late fees on a secured credit card by Wells Fargo Bank- representing an effective 1,000 % interest rate and over XXXX % of my collateral. The late fees were automatically charged, my account was subsequently closed and missed payments were reported to credit agencies. The bank had failed to notify me either electronically or via paper in spite of me updating the bank staff of this change of address. I have also spent several months trying to get the bank to reverse the several charges they have charged - an effective 1000 % + on a completely securitized line. The bank customer service and executive office seems to only want to find a way to legalize those charges and do not want to take any accountability for excessive fees and charges. While the enrollment process I was told that this secured credit card would only hurt my credit scores. I have no other option that to use this forum to hope for a correction in their methods and processes used.

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 2016-12-05
Company: R & B Corporation of Virginia
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
CREDIT CONTROL CORP ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX , XXXX XXXX, VA XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CREDIT CONTROL XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CREDIT CONTROL XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2016-09-09
Company: ESCALLATE, LLC
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I found this debt collector on my credit reports through a credit monitoring service I recently signed up for. They just reported an account in the amount of {$52.00} in XXXX as well as an older account, neither of which I have received any information about or had any prior knowledge of. The new reporting is particularly a problem due to the fact that I disputed the older XXXX through the bureau in XXXX and then this new XXXX pops up on my report as well, even though they presumably had means/info to contact me especially about any new debt to come up after a dispute for an old XXXX, but failed to do so. The first I 'm hearing of this is when I see it on my credit report. I do not know what it is, nor has it been validated for me nor have I been given the chance to request validation. If they would have contacted me the right way, they would have been paid, thus keeping it off my credit report. The CR says open date of XXXX and report date of XXXX, so when between that time have they bothered to contact me? Seems like they just started reporting quickly in hopes that I would discover it and be shocked into paying it versus going about it the right way.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: ESCALLATE, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX/XXXX/XXXX, a debt collector called Escallate called my home number and left a voicemail asking for a call back. I called back and learned that Escallate was looking for my ex-husband. I explained that he and I have been divorced since XXXX. The debt collector agreed to take my phone number out of their database. Since then, I have received calls from Escallate on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I saved all of their voicemails. The calls need to stop or Escallate needs to be shut down.

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 2016-04-26
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
Continue case # XXXX, CHASE has admitted that on XXXX/XXXX/XXXX I requested a stop-payment to XXXX. I meant I requested CHASE to stop all payments to XXXX from XXXX/XXXX/XXXX on and to the future because I had a dispute with XXXX on their services, and CHASE 's representative at that time had clearly promised me that she would not accept any charges from XXXX. I am totally against CHASE 's newest statements responsed to CFPB on XXXX/XXXX/XXXX that stated " the representative informed you that because no transactions had previously been made with XXXX XXXX, we could not place a stop-payment for them on your account. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: Mount Olympus Mortgage Company
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I received a solicitation in the mail that appeared to be from the mortgage company I originally got my loan from. I called the number, and they played right along that they were the same company I previously use. Later on I realized they were not the same company, They used a trusted company name I knew to try to fool me into doing business with them. This is straight up bait-n-switch advertising that has no place in commerce.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: DISCOVER BANK
State: MO
Product: Credit card
Issue: Other fee

Complaint:
Discover claims that I signed up for " payment protection '' XX/XX/2011. I do not recall signing up for this service. By my math, since XX/XX/2011 I have been charged {$450.00} in fees for a service I did not enroll in. I called Discover and was told that I could only be reimbursed for the past six billing cycles. I would like to reimbursed for these charges in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2015 I applied for a refinance mortgage loan on XXXX XXXX XXXX. XXXX TX XXXX. At this time I was given a Closing Cost Capital Worksheet form from XXXX XXXX XXXX XXXX ( His MLS XXXX ). 

I was told that I would have to pay for the appraisal which was {$470.00} I understood that this was a normal procedure so I was prepared to pay the {$470.00} with a check or credit card. 

On XXXX XXXX, 2015 XXXX XXXX XXXX put through an ACH business-to-business transaction against my savings account without my authorization. My wife when looking at our saving acount about 10 days later discovered the {$470.00} was taken from our Aavings account. She went in and asked XXXX for an explaniation and was told it would be repaid after closing. I have never and would never authorize an ACH out of my savings account, nor my checking account. 

After this the trust issue became a factor, along with a failure to completely explain the closing costs. Also XXXX XXXX XXXX got real upset with us when we refused to complete the transacion, he said that the bank would end the agreement. He sent an email of apology later that afternoon. 
I have called XXXX, and his manager several times to try to get them to return the ACH transaction, but they will not. I explained that the trust was no longer there, and the ACH was not authorized, and was an illegal Business to XXXX XXXX transaction, not allowed on consumer accounts. 
. 
I have contacted the ACH Resolution Department for the J.P. Morgan Chase bank and was told there was nothing they could do. I contacted the District Manager and the local branch of JPMorgan Chase and was told the same. The contact person phone number at the ACH Resolution Department I discussed the request with is XXXX, extension XXXX. 

I also contacted XXXX and the rules as explained to me stated, that " A Business-to-Business ACH transaction, states an agreement must be present betrween the businesses, and all other transactions require a recorded voice or signed authorization.

Company response to consumer: Closed with monetary relief