BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chime has suspended my account due to large amount of deposit which was sent over for my taxes when notified me of suspension i sent over numerous of documents for days waiting on a response including my tax XXXX and picture of the date that the irs notified me that my taxes will be in my bank a picture of me holding my id, picture of id front and back proof of address and no one has yet respond or contact me. Which they notified me within 2-4 days i would be! I have had the ticket escalated through numerous supervisors as they stated i should be have been contacts and they put it at high priority. I have repeatedly emailed the support and review team and keep getting automated messages i just want my account unsuspended to take my business somewhere else because there review team has no sense of urgency while holding peoples money that they depend everyday on!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Bank of America has been illegally disposing of my hard earned money after over 40 years of my trusting them with my assets. it. I do not know how long this has been going on. 
In regards to this matter, I filed a case against Bank of America on XX/XX/XXXX. XXXX # is:XXXX. 
I am writing to you again to provide you with additional evidence. Not only Bank of America has failed to make scheduled payments on time and in the amounts I had planned to pay creditors ; they have also pretended to make payments to my XXXX XXXX account but my creditor denies receiving any such payment.- When contacting customer service at XXXX XXXX card ( account number : XXXX ) they have acknowledged receiving payment for {$45.00} but denied receiving {$100.00} The {$45.00} payment occurred only because I personally went to the XXXX XXXX store located in XXXX, MA. I gave them the cash money I had with me, {$45.00}. I had to pay cash because when using my Bank of America debit card, payment to the XXXX XXXX was declined. My Bank of America account had funds to pay {$120.00}. 

As you can see in the enclosed pictures, Bank of America has been damaging my credit worthiness and stealing my money from my Bank of America account. These pictures show the illicit behavior in the following ways : -Deduction of {$100.00} but never paid XXXX XXXX. 
-Letter of complaint by XXXX in regards to only receiving {$45.00} while Bank of America kept {$100.00} kept in their pocket on XX/XX/XXXX. 
-Another issue is their scheduling a payment for {$120.00} payment to XXXX XXXX without my knowledge or consent to be paid on XX/XX/XXXX. 
I will be permanently closing my Bank of America account but it will take months before I can accomplish this goal because of the very cumbersome process of reporting any account changes to multiple health insurance companies, EAPs Programs, etc. 
So far, I have been spending numerous hours on the phone calling creditors but I am the one who is not being believed, PLEASE protect me and the public from Bank of America I do want this complaint to be published but my account numbers and name must be deleted as bringing public attention to my personal matters is not appropiate in my profession.

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 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX continues to claim this card is mine and I have stated that it is not. I have asked for file information that verifies this information and they have not provided it. They only send their generic card agreement and credit card statements. This is apparently fraud and they won't remove the account nor send me a full file disclosure showing how this account was opened and verified. This is a violation of my consumer rights. 15 USC 1681 g ( a ) 1. 15 USC 1681 ( a ) 1. 15 USC 1681 ( a ) D ( 2 ) ( a ) ( i ) My id is attached so don't say as you have in the past that is not me and you can't identify me. It's a stall tactic that you criminally 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 non-monetary relief
Consumer complaint received 2020-06-09
Company: Clark County Collection Service
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I had a medical debt for under {$400.00} land in XXXX XXXX XXXX XXXX. They added {$100.00} to the medical bill. 3 years later the colection company summons me To court and added {$650.00} or so in lawyer fees. I attempted to approach the court but so many obstacles. I reached the collection agency and paid them {$220.00} for the medical debt owed. They sent me a letter with attempt to Default and were looking at garnishing my wages. Finally, I went to the office in person and settled for {$360.00} ( owed {$590.00} ) I made them Give me a written receipt and to lift and court judgements against me, I am furiating that this company charged me interest and lawyer fees on. Medical debt under {$300.00}. I can not afford this large payment but they gave me no choice or having to take it to court. Is this legal to add interest to medical bill?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
RE : Ocwen Loan No : XXXX XXXX XXXX XXXX XXXX, MD XXXX ( Property Address ) Information contained on my credit report for XXXX and XXXX 2016 mortgage payments to Ocwen is blatantly inaccurate. First, I attempted to use its automated telephone system to make mortgage payments via " XXXX '' on the XXXX of each of the aforementioned months after XXXX However, when I prompted my personal identification information, I was not permitted to execute the mortgage payments. 
Ocwen mortgage payments are not accepted after XXXX or on the weekends, but will are credited the next business day. After the unsuccessful efforts to pay my mortgage, I was only able to make the payments the following weeks, but, beyond the thirty day payment period, i.e., XXXX XXXX and XXXX XXXX, respectively. 
However, if I was able to execute payments on XXXX and XXXX XXXX, as expected through its automated services, I would not have late payments for those two months on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: ALLY FINANCIAL INC.
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I was offered {$150.00} bonus money by Ally XXXX on the condition that I opened an investment account with them by XXXX/XXXX/22 and deposit {$500.00} by XXXX/XXXX/22. The bonus money was supposed to be deposited to the new account by XX/XX//22. 

I followed their instruc t ions but they did not send the bonus money of {$150.00}. I called them on XX/XX/22 to inquire, the representative told me that I was entitled to the money bonus, but not sure why I hadn't received it. He gave me a case number. 

I've attached three emails from Ally XXXX. One email shows the original offer they gave me, another email shows that I had opened my account. Another email shows a case number with them regarding my complaint.

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 2021-02-05
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Someone used my personal info and rented a storage unit in my name. As you can see from the attached drivers license at the end of the lease, the signature doesn't match my drivers license. Also, it's against the FCRA to add interest onto a collection. My attached credit report has the original balance at {$890.00} and the current balance at {$890.00}.

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 2021-12-27
Company: Happy Money, Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
This complaint concerns Payoff ( https : //www.payoff.com/about/contact/ ) For the past several months, I have been receiving invitations from Payoff, via email and postal mail, to apply for a loan to pay off some or all of my credit card debt. These invitations have been accompanied by a unique invitation code, which I am asked to enter on their website to begin the process of applying for such a loan. Repeatedly over the past several months, every time I have entered my invitation code, my application is blocked with an unspecified error, and I am directed to contact Payoff via its live customer support chat. Each time I am told the exact same thing : that there is a " technical problem '' with my account, and that their " engineering team '' will look at it and that I will hear back from Payoff within a few days. Each time, this has NOT happened. Nobody ever follows up with me, either by phone or by email, or via any other means. The same issue has continued when I have attempted to email Payoff ( repeatedly since XXXX ) : I am told there is a " technical problem, '' the " engineering team '' will look into it, and that I will hear back from them ( yet I never do ). The same has also happened when I contacted their phone support. I spoke to them twice by phone, only to be told in the end that it is a " technical problem '' that their " engineering team '' needs to look into and that they will contact me. Again, they never have. Perhaps I shouldn't, as this poor level of customer service is a red flag, but I would like the opportunity to at least apply for a Payoff loan, but have found absolutely no recourse so far in attempting to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: LD Holdings Group, LLC
State: MT
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Was denied loan for rather suspicious reasons, first for unable to verify identity, how can you say that, when they never tried. Second, for derogatory public record or collection filed, because that 's been cleared up, on most credit reporting services, it does n't even appear. My husband was denied for not reaching XXXX credit score, now this. It 's obvious, either they do n't really make loans, or do n't make loans to minorities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On Wednesday, XX/XX/XXXX, my friend need an emergency loan of {$800.00}. Since I have been a Venmo customer for years, I suggested we use Venmo to get him his money. 
I only had a {$300.00} balance in my Venmo, so I transferred {$800.00} in from my checking account. He had a freind of his set up an account that night since he didn't have an account prior to this. Venmo charged a fee for the transfer AND they wouldn't allow him immediate access to the funds, so he had his friend return the {$780.00} and had me send another {$800.00} to his girlfriend. Rather than use the {$1100.00} in my account, Venmo initiated another {$800.00} withdrawal from my link bank account. When his girlfriend received the funds, she realized that there was a XXXX to 5 day waiting period before the funds would be available. She returned the {$800.00} top my Venmo, and we ended up using PayPal which went through instantly and was a breeze. I used Venmo 's chat feature to get the {$16.00} back, and the representative said it wasn't a problem and that he would return the {$16.00} to me. 

On Friday, XX/XX/XXXX I tried to transfer the {$1600.00} from my Venmo back to my checking account so I could pay my bills. It was at this point I discovered that Venmo had frozen my account due to suspicious activity. Ok, no problem, I'll call them. The representative I got informed me that customer service can't unfreeze an account and to refer to an email, which I did and that email referred me to customer service. I was then told that I would need to send an e-mail to submit a ticket and that a representative would be in touch with me in 3 to 4 business days. At this point they have MY funds, which came from MY bank account, which I need returned to MY bank account and they are refusing to do this for me. I must wait four days for a representative to contact me to unfreeze my funds, at which time it will still take XXXX to 5 days to receive my money. They then tell me that the {$16.00} was returned to the random person I don't even know. I send {$800.00}, they receive {$780.00}, they reverse {$780.00} back to me, why on Earth would you credit them the {$16.00} and not me? How this is legal is beyond me. They are clearly using my funds to earn carry by reinvesting them and simply don't want to unwind their cash reinvestment. They weren't kidding when they said my account was being frozen for suspicious activity, only Venmo is behind the suspicious activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-27
Company: ERC
State: FL
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:
This debt does not belong to me yet creditor has on my report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2021-12-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX at XXXX am we attempted to deposit {$260.00} into my Wells Fargo checking account to pay our phone bill. XXXX sums of money were taken & attempted to deposit one more single {$50.00} bill. This {$50.00} bill jammed in the atm machine. We spent all morning trying to contact them to report a claim, I was told I would hear back within XX/XX/XXXX hours. Nobody called. The atm has credited XXXX cent & said it would have the deposit in XXXX days. On XX/XX/XXXX our card was then after found making attempts at fraudulent purchases XXXX counties away, claiming it was inserted. We again contacted Wells Fargo to submit claim & have our card replaced. We are now on the XXXX of XXXX with no activity to stop the fraud purchase from going through but it posted on Wells Fargo instead & they have yet to credit our account. We are now also over drafted with no way to deposit again to keep from receiving the fee while they have still yet to credit my deposit. I am out almost {$300.00} now because of this series of incidents & my phone has been shut off due to non payment because my deposit has yet to go through a solid week later. Nobody from the bank has followed up with us or emailed our message center online they claimed they would contact with. Wells Fargo has taken & stolen our money at XXXX & done nothing to progress or update this investigation!

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 2021-12-27
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I had a discover card that went unpaid to to becoming XXXX I recently paid and settled the account with a collection agency who o never had an account with. I also spoke to someone at discover. Its really strange that the sent me a check if I owed more than what o settled for. If Im forced to get and attorney I will.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I filed a dispute on a merchant through XXXX with Citibank for an amount of {$2300.00}. I contacted everyone and Citibank was the only one willing to help me out, I tried telling XXXX and XXXX so much about the situation but they didnt really help me all they told me was to file a dispute with my bank which I did. XXXX and XXXX had the worst customer service ever especially XXXX  since I was barely able to contact them. Only response I got from XXXX was to dispute it and a month later Citibank tells me they was not in my favor and took money out which I dont think its fair. I tried reaching out for help and although I didnt receive the items I dont think its right for them reach that final decision. I tried giving as much as information I could, I hope you guys can help me out because this is really stressful and not fair. I didnt receive nothing for me to be charged that amount.

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 2015-09-14
Company: Meade & Associates, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have been watching my credit very closely to make sure it does n't have anything negative I was recently informed of some {$21.00} debt by a company mead and associates I was NEVER notified or given a chance to dispute debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2020-04-18
Company: Ability Recovery Services, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has been trying to get XXXX dollars for something that I never had. I reported it to the credit bureaus 5 years ago and had it removed, now its back. Its for some sort of online school. Every month they are reporting it as a charge off. The collection was just open on my report again on XX/XX/2020 2020

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 2015-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Our current mortgage is held by Bank of America that purchased it some years ago from Countrywide. We recently applied for refinancing of our loan to consolidate several other loans for vacation property and home improvements. Bank of America estimates that we could get our monthly payments several hundred $ $ less per month compared to the current mortgage and the monthly payments for the other outstanding debts. We had the house appraised for several hundred $ $ ( non-refundable ) and the report came back at 100K more then the total of the new mortgage. We were not upside down. We have a history of timely and complete payments on our current mortgage as well as on all other debts. Our credit score is in the XXXX range. My wife and I are both employed and I receive a pension from the XXXX that was not included in my yearly income by B of A. Our XXXX is approx XXXX per year. We thought this was going to be a slam dunk. 
Yesterday I received probably the XXXX request for further documentation of what I consider artificial hoops placed by their accounting department. To illustrate, we owed {$4000.00} in federal taxes for 2013. they asked me 10 days ago to substantiate the source of the funds to pay this amount. I sent them the image of the actual check endorsed and stamped by the IRS with account and routing # visible. In the last email they requested " documentation to support source of funds used to pay 2013 income taxes '' This after they confirmed receipt of these documents. I am at the point of mistrusting their sincerity in ever getting this loan finalized. I have no clue why they would be putting my wife and I thru this elaborate and redundant process, but here we are with no refinanced mortgage. I have saved all email communication with them as well as the documents sent on this fools errand.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My bank account was fraud by someone I do not know and the bank took the remaining of my money to cover the balance of the fraud account I reported my card stolen and the Bank closed my account for good

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