BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-11
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In accessing business accounts via internet the Monday morning there is record showing the account holder having logged-in right after XXXX, Sunday morning ( ~ 32 hours earlier ). NO money had been moved out of the accounts. 
Only one PC is used for online banking, no mobile devices, no accounting/financial software interacts with online banking, and only one user with access. Log-ons are registered by user, and the likely reason that this " unfamiliar '' log-on was noticed - and which has never occurred before. 
Go to the local branch office, and they contact their online banking and fraud depts.. This is the first time it is confirmed that we did indeed not log in ( i.e., our profile had not been used for the log-on ), but it was recommended that all accounts be closed and new ones opened. More than an inconvenience in itself, but my problems start when I insist that I want to know more about the log-on. Why treat symptoms when the cause of the ailment is unknown. 
Among the many bank representatives I have spoken to over the last two weeks I have repeatedly been told that this was caused by mobile apps or bank system updates or financial software logins, but incidentally, more than one of these reps. have happened to mention that they do not see the particular log-on from their side of the system?? This I would have thought would ring alarm bells with a bank, especially when I am sitting with proof ( a screenshot ) that shows their own system having made an entry on our account profile that tells us that the user logged into the accounts/ account profile at this particular time. The screen shot was initially shown to the branch rep. who initiated the closure of the accounts, and it was later forwarded to the bank 's online-banking dept. ( attention one named person ). 

Why do I pursue this? Simply because I do not know what the log-in event represents so why set up new accounts, and with the bank not being able to even see the log-on event, they are in no position to explain it ( yeah, right ). The owner of the system is clearly in a position to tell what triggered a log-on message to be left in the account profiled. But, I am expected to accept that they will not explain what happened ; I shall just remain ignorant and set up new accounts - and blindly trust the bank in spite of this event? 
A system update event has been provided as the most common explanation by the reps., but not one rep. has confirmed that they are being overrun by customers calling because they all have found log-on events because of a system update.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home with Rocket Mortgage in XXXX. They charged my escrow for home insurance in both XX/XX/XXXX and XX/XX/XXXX but I was canceled for non payment! According to XXXX XXXX, they were never notified by Rocket Mortgage that they were the new lender and because they did not do this they sent the wrong payment amount in XX/XX/XXXX ( {$1300.00} approximately ). XXXX refunded the premium to XXXX XXXX ( previous lender on file ) and canceled my policy. Rocket Mortgage again sent a premium from my escrow in XX/XX/XXXX in the amount of {$1500.00} and it was again refunded to XXXXXXXX XXXX Sadly, i had damage from a windstorm in XXXX of XXXX and when I called XXXX I was told I had been canceled more than a year ago and had no coverage. I then called Rocket Mortgage sure that this must be a mistake. They admitted the mistake in several phone calls between myself and XXXX. Apparently a calamity of mistakes on both sides. Now Rocket Mortgage is placing me with a lenders insurance policy at twice the rate and charging me a premium for XXXX when I was not insured as well as XXXX. That is just wrong. I have tried filing a claim with their lenders insurance for my roof damage and still have no policy although I have been notified of the exhorbitant premium that will be added to my mortgage. I can not afford my mortgage to be increased nor do I have the premium they are charging me. I am afraid that at the end of the year they will raise my payment to where I can not afford it and then try to foreclose on my home! I paid my premium. They require me to pay through escrow and I trusted them to make my premiums therefore insuring that my homeowners is paid and in effect. Not only are they forcing me into a policy I can not afford but they have ruined my chances of getting coverage elsewhere for 2 reasons. XXXX I was canceled for non payment and had a lapse in insurance for over a year. XXXX I need to replace my roof before anyone will insure me. I also am still trying to locate the missing premiums that I paid from my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: CHECK INTO CASH INC.
State: TN
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I am trapped within XXXX payday loans and was unaware that there is a {$500.00} Max for Payday loan. The lenders did let me know that I could only have XXXX loan of {$500.00}, because of this I am unable to cover all of the loan payments. They kept wanting me to rewrite the loans and start over. I am trapped in a never ending cycle and do n't know how to overcome this situation. Please advise?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Prosper Marketplace, Inc.
State: NJ
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 paid XXXX on my prosper account XX/XX/2022. The payment was on time. I sent a statement confirming I paid the XXXX which Prosper also confirmed on the statement but didnt report to the credit bureaus. This is fraud and they did not acknowledge my payment. This is discrimination and if the person was white this wouldve happened.

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 2021-06-17
Company: AFNI INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX, XXXX was placed on my XXXX  credit report for {$1200.00}, which the debt did not belong to me. It was originally removed and placed back on my credit. Repetitive phone calls were made to me and I have voiced the Debt does not belong to me. Request to be removed and deleted off my credit. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Other

Complaint:
Chase is offering " free monthly credit score '' BUT my score is not posting. I have spent considerable time contacting Chase - but their out of country operators ask for so much information it feels like identity fraud is possible and I do n't think they should need that much to verify an account, so I contacted XXXX. There is no block on my credit account in XXXX system. They have a record of the Chase account. A complaint to Chase headquarters WAS DELETED. SO, they have made an offer and I have accepted it BUT they are not fulfilling their offer. Would the US Government PLEASE require Chase to fix their problem, act in good faith, or else compensate me for time spent dealing with people who can not do their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: EQUIFAX, INC.
State: FL
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:
Equifax was contacted to correct Student Loan Info ( XXXX XXXX ) and the XXXX XXXX XXXX XXXX " Reaffirmation of Debt '' which had dropped off since my XXXX XXXX is over XXXX XXXX XXXX going on XXXX. Equifax was provided documentation and refused to remove the re-aging of the re-affirmation on XXXX XXXX XXXX XXXX. I have contacted XXXX XXXX XXXX XXXX and they state the flag was not added by them to contact the credit bureau, Equifax. I did and they refuse to correct this. This caused my credit to drop XXXX pts. The XXXX XXXX has been closed for almost 8 years and the 'Reaffirmation of Debt ' should not be appearing on my credit file. I am attaching their " Investigation '' which they did not even look at documentation sent and I am not able to re-dispute. This agency is known to have major issues correcting errors in violations of my rights under the FCRA. Although evidence was sent they refused to remove the " Reaffirmation '' they added in XX/XX/2022 that has caused other companies to reduce my credit limits and close my accounts and also lowered my overall score by XXXX pts. They should be banned from providing Credit Files to others given the breaches and wrong and erroneous credit reporting injuring the consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Goodman Frost, PLLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My information has been shared with others without my written permission which is in violation of my right to privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Loancare VA XXXX XXXX was serving my mortgage and o/a XXXX XXXX XXXX they sent me a letter stating my loan was being sold to XXXX. I paid my XXXX XXXX Mortgage payment {$2600.00} on XXXX XXXX XXXX. On XXXX XXXX I turned my autodraft off as well. On XXXX XXXX XXXX Loancare withdrew another XXXX XXXX payment of {$2600.00} from my checking account. My main issue is this second XXXX XXXX payment is not reflected in any Loancare statement or loan balance. Ihave logged in everyday to my account and there is no update. I have no written record except the autodraft showing it was taken from my checking account. I sent emails XXXX and XXXX XXXX and received " canned '' responses. I also called on XXXX XXXX and spoke with Loancare employee # XXXX. She stated that while she would forward complaint to her management there was basically nothing she could do. In her words Loancare is done serving my account. At the least Loancare should send me an email stating what they did with the second XXXX XXXX payment. I prefer a refund or at the least who in XXXX wherever that is has my {$2600.00}. To date I have no more info than it was being sold to XXXX. Loancare customer service is extremely poor, with little regard for any customer follow-up. I advise consumers to avoid this company, make sure to notify your loan officers, real estate agents, etc to seek out more reputable firms with better customer service and ratings

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 2022-11-09
Company: MRS BPO, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am opting out of previous consents to share or use my personal data. Any further sharing or use of personal data will be in violation of my rights to my privacy. I request that my personal data be removed from the company data base immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: LJ Ross Associates
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am opting out of previous consents to share or use my personal data. Any further sharing or use of personal data will be in violation of my rights to my privacy. I request that my personal data be removed from the company data base immediately.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: KINGS CREDIT SERVICES
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
Upon checking my credit report, I discovered that there was a {$450.00} charge from Kings Credit Service ( California ) pertaining to a medical bill that was from XXXX of 2011. This was the first time that I had ever received knowledge of the bill, and was confused about it because I was on XXXX in XX/XX/2011 '. I called the Agency ( KCS ), the woman that helped me said that back in XXXX of 2011 there were several failed attempts to contact me. She explained that all bills sent to my address were being returned and all calls made to the residence went unanswered. I asked for a verification of the address due to a confusion of why the bills would have been returned. She admitted that originally they had the wrong address, and that upon finally getting the right address, the bills were still being returned. I asked the woman how long it had been until they had the right address, she would not answer. She continued to tell me that at the number that I called her on was the same number that they attempted to reach me on, I believe she said three times, and that I must not have an answering system. I assured her that there has always been an answering system on our telephone, and that it does not ring so many times as to assume that there was not XXXX. She said that she did n't know, just that I signed an agreement that I would pay regardless of whether there were problems with insurance or not. She then asked if I could pay some of the balance, seemingly disregarding everything that I had told her. I told her that I would not make a payment at all, as I felt that it is not my fault that they failed to contact me when I was more than available. Given that I had medical insurance at the time, I would have gladly taken care of any bills that I knew were outstanding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: FORD MOTOR CREDIT CO.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I called Ford Credit onXX/XX/XXXX to advise them that the car we had with them was no longer in our possession. I told them that we had used it for a trade in for a XXXX and that XXXX had signed a legal paper to take over the remainder of our debt. Even though I called Ford Credit to apprise them of the situation they still called my home to collect and inquire about the XXXX Focus. They called me on Saturday XXXX just 3 days after I spoke to them and then again on XX/XX/XXXX. I have repeatedly asked them to stop calling me and yet they tell me they can call all they want as much as they want until they get the check from XXXX. They told me they normally call once a day so they are being nice by only calling every 3 days. I told them that is harassment especially since I don't even have the car and I apprised them of all the details with regards to the deal. They told me it is not harassment and that their are no laws to protect me from repeat phone calls! I can not make XXXX pay them any faster and yet they keep calling me telling me to go to XXXX and pressure them..These tactics are disgusting! I should not be harassed for a car I no longer have possession of! Ford is disgusting and not the company it once was. They sold me a car that they knew was flawed a XXXX Ford Focus. The main computer had to be repaired 3 times in 4 years and the dual clutch as well. They have since recalled these Focuses and Fiesta 's associated with these issues but not without screwing a bunch of people in the process! I also had to have a 5 year battery replaced in year 4 and a lifetime motor part replaced in year 3. It is disgusting what big money companies can get away with .On top of selling a money pit of a car, they harass you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: JPMORGAN CHASE & CO.
State: SD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Ordered bank statements for XXXX-current and was not told that the grand total would be over {$400.00}. Asked for assistance and was given a {$48.00} refund as courtesy. I also asked if they could cancel the order, to which they did not reply to that request. I feel I was taken advantage of. When I called, the customer service rep told me they were all available online. Why could n't someone send me a letter or a call stating as such before charging {$430.00} to my account that had {$90.00} left in it until XX/XX/XXXX. As a mother of XXXX this is unacceptable. I informed the bank this is for court purposes, as this is needed in the upcoming modification I am doing with my ex for child support. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against 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 non-monetary relief
Consumer complaint received 2017-03-23
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX My Chase Bank account was mistakenly charged {$2100.00} dollars by XXXX. They admitted the mistake without problem and tried to help me recover my money. This transaction sent my bank account into immediate overdraft. 
Until the {$2100.00} falls off my account as 'pending ' I am in overdraft status. I was informed by Chase that this will take 3-5 business days, and a {$35.00} dollar overdraft charge for everyday my account is in over draft ( see photo ). What am I supposed to do for 3-5 days? I HAVE NO MONEY!!! 
The merchant talked to Chase. They have called and explained this to Chase that it was a mistake. 
I went to a Chase branch and talked personally to a personal banker. Chase will not escalate the drop off period for the charge because I did not meet one of the two criteria. Although I have been a good customer since XX/XX/XXXX ( according to Chase ) I only keep an average year to date amount of {$800.00}, even though the company I work for - XXXX- Direct Deposits 3 times that amount into my account twice a month. Because I do n't enough money in Chase bank daily they can hold on to my money longer??? 
I am filing a complaint with Better Business Bureau of XXXX and XXXX Illinois and Consumer Financial Protection Bureau against Chase. I have no money until this clears up for 5 days. They are a horrible bank. I will be moving forwarding to taking the necessary steps to close my account and I will inform the Executives at XXXX XXXX about my experience with Chase and how they treat their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was charged multiple overdraft fees and not able to remedy with Bank of America directly. I submitted a request to pay my credit card off with Bank of America early, instead they withdraw the funds that are not there due to a previous transaction and take my account balance negative. I attempt to add funds through electronic transfer, the transfer is completed and should cover the negative balance but then and I am assessed another insufficient funds fee because my account is negative BECAUSE of the insufficient fund fee for the electronic transfer taking more than 24hours. I have to move funds gain but by that time it is too late. Bank of America will not refuse to process transactions where an insufficient fund fee would occur unless I sign up for a special membership account and pay a monthly fee of {$5.00}. That is {$60.00} per year, that doesn't make sense. I asked to submit a complaint direclty to Bank of America over the phone and I was initially told I couldn't do that. Then they told me that Bank of America takes too long to review complaints so its not going to help. How is that possible? Maybe because Bank of America is just taking money from folks and everybody is submitting a complaint with merit? Totally disappointing since I do almost all banking with Bank of America for last 15 years but I guess greed always wins out. I reviewed earlier transactions to make sure I wasn't missing anything and I see that Bank of America posted the same fee for a transaction that wasn't even completed on XX/XX/XXXX! Bank of America will charge the fee no matter what under the guise that they are doing me a favor. Transactions took place on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of this year. Attached copy of transactions with amounts. I called Bank of America today and spoke to XXXX from Alabama XXXX XX/XX/21 ).

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