BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-05
Company: PNC Bank N.A.
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Started process on  XXXX / XXXX /  XXXX  .   Denied HELOC renewal. Self employed  XXXX .    Credit Score  :  XXXX  -  XXXX  percentile, {$850000.00} in The liquid assets. Balance on HELOC {$52000.00}.  Home Value  : {$220000.00}. Second home value {$160000.00}, equity {$100000.00}.   All bills paid by occupant, land contract in place.   Implied I file false tax returns and mortgage application.   " We can not verify where your business deposits come from. '' " What would I do if the IRS audited my tax returns. '' These quotes were made by  XXXX   XXXX . Refused to let me talk to underwriting. Complained to the office of  XXXX   XXXX . She refused to look into my complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: EQUIFAX, INC.
State: TN
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:
01   XXXX   XXXX     XXXX   XXXX   XXXX   Open {$3300.00} Account Details Last Reported   XXXX   XXXX   XXXX   Collection Agency   XXXX   XXXX   XXXX   Original Creditor 01   XXXX   XXXX   Status Open Opened Date   XXXX   XXXX   XXXX   Closed Date -- Responsibility Individual Balance {$3300.00} High Balance {$3300.00} Remarks Account information disputed by consumer, meets FCRA requirements Creditor Contact Details   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX       XXXX   XXXX  , CA   XXXX     XXXX   XXXX   XXXX   XXXX   Since you currently have an open dispute request, you ca n't dispute any other errors through   XXXX   XXXX   at this time. If you found new errors to dispute with  XXXX , please wait for your prior dispute request to be processed or contact  XXXX  directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Issue: Other

Complaint:
The following transaction have been recharged to my account even though i already disputed them with capital one. i am a senior citizen and dont appreciate capital one not honoring my request to have these charges refunded. I got scammed, ripped off, and never received anything for my money. 
On card ending in XXXX on XXXX/XXXX/2016 a rebill for {$750.00} and on XXXX/XXXX/2016 for {$120.00} On card ending in XXXX on XXXX/XXXX/2016 a rebill for {$2500.00}, on XXXX/XXXX/2016 a rebill for {$4000.00} and on XXXX/XXXX/2016 a rebill for $ XXXX.for a TOTAL OF {$8200.00}. 
I want capital one to honor my disputes please.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: Ballybunion Enterprises, Inc
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
This company is a fraud and they steal customers money out of customers account bank account or debit card information. If the customers does not pay they threaten to take legal actions or garnishments on their accounts. The company will go in a customers account without their permission and steal money causing you fees over draft fees or you not to be able to pay other bills because they went in your account with out your permission

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX   XXXX   XXXX    CFPB : JPMChase, in a letter dated   XXXX   XXXX   XXXX  ,  XXXX   XXXX , mentions "  XXXX   XXXX  '', without explanation. Any documents that I  XXXX  have had concerning "   XXXX   XXXX   '' were stolen by JPMChase  Contractor  "  XXXX  '',  XXXX   XXXX ,  XXXX .   I demand that JPMChase return to me my documents concerning "  XXXX   XXXX  '' that "  XXXX  '' stole from me.   I demand that JPMChase, furthermore, provide me detailed information about "   XXXX   XXXX   '', including, but not limited to, authorization for the existence of "   XXXX   XXXX   '', full legal names, contact information, position titles, pay grades and salaries of "   XXXX   XXXX   '' employees and any and all special mechanisms for complaining against "   XXXX   XXXX   ''.      XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Klima, Peters & Daly, P.A.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a packet in the mail today from Klima, Peter 's, and Daly firm regarding a debt I have no knowledge about. The packet included what appeared to be a fake warrant in debt lawsuit attached. The documents state the original creditor is XXXX XXXX XXXX, and amount owed is XXXX. This debt is not on my credit report. I contacted all 3 credit bureaus, and was advised unable to locate the debt in my file. I am requesting a ceast and desist from the Kilma, Peter 's, and Daly firm. I am not responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: Big Picture Loans, LLC
State: CA
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
Big Picture Loans / XXXX interest rate is against CA laws also take inrerest only payments then drafted remote chevks after I had filed a stop on ACH withdrawals was and is difficult to stop remote checks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XXXX XXXX, 2017, I tired to make an online purchase of {$24.00}. The merchant claimed to have not received the funds and directed me to contact the American Express Gift Card Service Center. I made contact with Amex, not easily as they do not offer an option to talk with a customer service rep and if you press 0 for an operator the menu starts all over again. The only way I was able to visit with a service representative was to select the telephone option for lost or stolen card. You will then be transferred to a foreign country, XXXX???, and then can speak with an agent. I was informed the problem resided with the merchant. I called the merchant and was told they never received funds and something must have gone wrong during submission. I called Amex back and was told I would have to wait 2 -  7 days for the transaction to be credited back to my gift card. It took the entire 7 days to receive the credit. First complaint why tell a customer it will take 2 - 7 days for the credit when they know it will take the full seven days. This is simply a lie!! Meanwhile, once the funds did credit back to my card, this morning I tried to make the purchase again and yet received the same problem! I immediately contacted Amex was told the same lie about a 2 - 7 day waiting period to receive a credit. Of course I argued with the incompetent service reps with Amex as they could not understand the error message of " Return & AVS ''. Please see attached documents showing the same message with each transaction. Amex has no idea how to read their own error message and are completely unwilling to offer average customer service. I contacted the merchant again and sent the print out of card charges and they were able to identify the problem. The statement of charges shows the transaction was returned. I called Amex and they refused to do anything, other than waiting another 7 days for the refund to post. They should clearly credit the card back immediately after seeing the message of " Return AVS ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card
Issue: Billing disputes

Complaint:
I was approved for a capital one credit card XX/XX/XXXX. As soon as I received the card, I paid a few medical bills off with it and not even 2 days later, Capital One decided to close the card. They were not willing to open the account back up and I 'm unsure as to why the card was even closed. I asked them what my balance was so I could pay the card off since I was not able to use it anymore and they told me I had no balance. I explained that I had used the card for a few of my medical bills and they continued to tell me there was no balance. I waited a few days then called the back to make a payment and they contined to tell me there was no balance that needed to be paid. I did this several times and eventually gave up because they continued to tell me there was no balance. Suddenly XX/XX/XXXX, I received the first statement ever and it was in red stating I was 120 days past due and the card needed to be paid immediately. Of course I called and made the payment in full and asked why I had never received a statement before and why there was no balance the multiple times I tried calling to pay. Also the balance was paid in full then and still on my credit report they are showing a {$2.00} balance as of XXXX/XXXX/XXXX. Why approve me for a credit card if your going to close it 2 days later? Then tell me there is no balance and I know there was and not take my payment. This is tramatically impacting my credit score due to the late payments reporting in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
TD Credit/  XXXX   XXXX    cancelled my credit without a call or anything. Then I paid what I owed them to attempt reinstatement and they declined to tell me why it was declined. These people need to be shut down these people destroyed my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-05
Company: WELLS FARGO & COMPANY
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My Granddaughter had me to cosign for her to go to college in Alabama. Was told that was just to help her get into school and would not cost me a thing. This was done over the internet.  Wells Far  go t ook over  XXXX  dollars out of my checking account with out my knowledge and I only found out when I started paying bills that I had borrowed the money to pay off. I almost had a break down from the loss of money and the constant phone calls. My granddaughter would not answer my phone calls and block the whole family. I am  XXXX   years old  and would like to know if I can get the money back from these crooks. I closed my account with  Wells Fargo an d will never again trust a bank or a granddaughter.    Regards   XXXX   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 2017-05-05
Company: EQUIFAX, INC.
State: PA
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 has refused to remove a more than  7 year old pai d tax lien from my credit report. I have disputed at least 3 times since  XXXX , last time being  XXXX   XXXX . They sent me results stating that they have verified the information as correct. This is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: The CBE Group, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Someone from  CBE Group  keeps calling from  XXXX  STATING THAT THEY ARE TRYING TO COLLECT A DEBT. The robo call does not state who they are calling meaning a name.

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 2017-05-05
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Please see the attached  XXXX   XXXX   XXXX  for details of the homeowner 's grievances regarding   Ocwen Loan Servicing.
In brief, Ocwen Loan Servicing made a modification agreement with the homeowne  r in  XXXX , which she paid into faithfully for several years. However, although Ocwen accepted the payments, Ocwen did not honor the loan modification. In  XXXX   Ocwen  rejected payment. In  XXXX  Ocwen commenced a foreclosure action in which the  XXXX  modification agreement was not acknowledged. Ocwen has since agreed that the modification took place, but has not corrected the account and continues to charge interest and demand payment as though the  XXXX  agreement had not occurred.  ( See paragraph 12 of t he Plaintiff 's Opposition to  XXXX  to Dismiss. ) Ocwen has thus far been unable to provide a clear accounting of what has happened with this loan.   Later in  XXXX  the homeowner received a notice from  XXXX , through which many of the payments were made, indicating that Ocwen had rejected a large number of her payments. This was the first time she received any notice that her payments from   XXXX   through  XXXX  were being rejected. They had been accepted previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: Jim Bottin Enterprises, Inc
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I quit my health club, XXXX, in XXXX, CA around XX/XX/XXXX after a phone call from their accountant telling me I had not renewed on time. They were very unpleasant about it and I had to hang up to end the call. The woman claimed I owed them since XXXX XXXX. I had last paid for a {$100.00} extra XXXX XXXX class in XXXX XXXX that I had not use due to injury. Nobody had ever told me I was due for another payment. I thought I was about up for renewal and was going to negotiate with them about the unused XXXX classes. 

No bill was ever submitted to me for any amount. 

I began receiving calls from Seas & Associates shortly after. I explained and the way they talked it seemed they were aware there had never been a bill submitted. The rep acted like she was trying to trap me into saying I owed something. I hung up. 

Seas & Associates has robocalled me since several times a week. I blocked them, but get the robo-call voice mails. I now received a letter with a bill for {$390.00}. The letter says that failure to respond within 30 days of their date, XXXX XXXX, XXXX, will mean that I acknowledge the bill to be legitimate. 

There never was a bill presented to me by XXXX. There is no debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX is a debt collection agency principally located in XXXX, VA, however, in a response to my request dated XXXX XXXX, 2016, for them to remove their collection account from my credit report as it counts as twice for the same debt in violation of the FCRA, they refused to remove their information and misrepresented themselves as a " creditor '' in violation of FDCPA Section 807 ( 11 ). This statute provides that debt collectors are liable for statutory damages of up to {$1000.00} if they are in violation of this section regardless of intent. After my most recent response to remove this collection account a month ago XXXX prior to XXXX XXXX, 2016, they have failed to respond in the least and continue to remain on my credit reports. 

Further, Original Creditor charged off {$810.00} and XXXX XXXX is attempting to collect at least {$980.00}, a {$170.00} difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
To Whom It May Concern : I am writing to report bad business practices on behalf of JP Morgan Chase Bank. On the morning of XX/XX/XXXX. I became aware of a negative balance in my checking account. Upon  reviewing my recent transactions, I was able to see a negative {$200.00} balance in my account. Approximately {$100.00} ( {$34.00} ) of this - {$200.00} balance were late charges by JP Morgan Chase. Yesterday, all the way through till XXXX my checking account remained in a positive balance. JP Morgan Chase claims that two checks that were written earlier in the month were cashed yesterday, later in the day ; however, this was on evident on my part because my balance still was positive the entire day yesterday with no pending transactions. If I were to see the checks as being posted yesterday, XX/XX/XXXX, I would have deposited the money before XXXX to cover these checks to avoid any late fees. JP Morgan Chase has intentionally taken advantage of me the customer to deepen their profits as a bank. My husband, who is also on the checking account attempted to rectify the situation this morning and spoke with the bank, and they refuse to accept responsibility for this intentional act to make a profit on late fees that are purposely being applied deceitfully to profit off of the average middle class U.S. citizen. Again, if I were to see that there was a negative balance yesterday, I would have immediately covered it with depositing funds. This is not the first time JP Morgan Chase has intentionally charged our account. Within the past two weeks, they charged us overdraft fees when they also were not supposed to do so and claimed that it was unintentional and was a mistake on their part. This excuse is hard to swallow being that their system of charging late fees should be automated by computers. I wonder how much of JP Morgan Chases yearly profits are due to these practices? I believe that these examples warrant a thorough investigation and deserve to publicly be exposed. I intend to bring media attention to this as well and will advise all not to bring their business to JP Morgan Chase due to these practices. I am currently looking elsewhere to open a checking account, and I do plan on closing my account with JP Morgan Chase. I will also be looking into legal advice regarding taking legal action against the deceitful practices of JP Morgan Chase. I look forward to hearing from you soon. Thank you.
Sincerely, A concerned United States citizen and soon-to-be former loyal customer of JP Morgan Chase

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
I need your help! CapitalOne seems to side with the merchant dentist XXXX XXXX XXXX XXXX, XXXX, VA, who took my money {$3500.00} total in XXXX separate payments of {$1700.00} XXXX and still did not call me to deliver the dentures after he took or have the money from CapitalOne siding with him and gave him the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: LoanCare, LLC
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In  XXXX  we had a fire that gutted our home. Fast forward to a month ago the insurance company finally sent the insurance claim funds to Bank that holds our mortgage ( which in this case  is Loan Care LLC ). For the last three weeks we along with our public adjuster and contractor have been on the phone with Loan Care because they are refusing to release the funds. Please see the attached document with a detailed time line of the situation.

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 2017-05-05
Company: Blackhawk Network Holdings Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was sent an exclusively yours reward card with the dollars that I had earned through various gifts ( which I paid taxes on ). I received the card late in  XXXX   XXXX . I was unaware that the card was set to expire in  XXXX  of  XXXX , the only reason that I realized this was because the card was declined when trying to make a purchase on  XXXX   XXXX ,  XXXX . I tried to call the company responsible for the card ( exclusively yours ) and they are stating that " they can not help me, the money is gone once the card expires ''. I am having a hard time with this, especially since I paid payroll taxes on that money and was unaware of this arbitrary expiration date. The card number for this account is  XXXX   XXXX   XXXX   XXXX , security code  XXXX . Any help that you could provide me with this matter would be appreciated.     Thanks,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I received information to open credit with a person name using my address. I have already complained to this company. There is no one hear by the name XXXX XXXX XXXX. I lived hear with XXXX other person for 3.5 years.

Company response to consumer: Closed with explanation