BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-09
Company: CUSTOMERS BANCORP, INC
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I had written a check for XXXX XXXX and XXXX dollars ( {$210.00} ) to a telephone company XXXX XXXX XXXX XXXX ) and they deposited the XXXX XXXX and XXXX dollars check to their bank ( XXXX XXXX XXXX and XXXX XXXX  used the check to make a withdrawal transaction from my bank, ( BankMobile, a Division of Customers Bank ). The check was returned for insufficient funds by Bankmobile to XXXX XXXX  and to XXXX XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX redeposited the check and Bankmobile accepted the check and Bankmobiles account shows that the returned check was sufficient and it was credited to XXXX XXXX. However, The XXXX XXXX  shows that the check was returned the second time and no credit for the {$210.00} check. There is no credit of {$210.00} in either bank. 

On XX/XX/XXXX, I filed a complaint and an investigation was initiated with BankMobile and on XX/XX/XXXX the investigation was completed. I also made a requested to XXXX XXXX XXXX and the XXXX XXXX  to make a review of the transactions of the check for {$210.00}. BankMobile found no error in the transactions. On XX/XX/XXXX XXXX, I called BankMobile with another complaint about the case. I requested a reopening of the case. They eventually agreed to reopen the case. XXXX XXXX XXXX made another review too and their results were the same.

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 2022-09-14
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Randomly closed good standing account, no late pays, usually paid in full. When accounts were closed it severely impacted credit score. I have worked my tail off for 5 years to rebuild my credit from XXXX to XXXX, now after accounts closed I am back at XXXX. The banks should not be able to ruin your credit when you have 100 % pay and not late pays. I am not the only person this has happened to. This causes higher interest rates which is what most of us were trying to fix. I was so excited when I was finally able to go from a 14 % interest rate to a 6.4 % rate because my credit score was GOOD. Also they told me when I called they informed me of this, they did not. No statement, email or standard mail.

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 2022-09-14
Company: Kingston Data & Credit International Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX  contract termed not renewed. Account sent to collections because contract was not canceled in time and business attempted to renew contract without consent. Amount owed is completely inaccurate and inappropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received an email yesterday night on XX/XX/2020 at XXXX that said unusual activity was detected for the date of XX/XX/2020. I called Bank of America immediately and have been on hold for nearly two hours! My recent transactions are believed to be fine in my eyes considering the fact that nothing is pending. Please help, I have no other resort due to the Covid-19 epidemic since all branch locations in my area are closed.

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 2019-10-25
Company: ZWICKER & ASSOCIATES
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
LAST CHANCE TO DO THE RIGHT THING AND HAVE ZICKER AND ASSOCIATES VACATE BOTH JUDGEMENTS. ALL DEBTS HAVE BEEN DISCHARGED VIA CHATER XXXX BANKRUPTCY. CASE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24
Company: Meade & Associates, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I 've contacted this company regarding XXXX accounts that they are reporting to all XXXX credit bureaus. I 've contacted them requesting competent validation of proof of the account and the information that they are reporting to XXXX, XXXX and XXXX. I 've never received a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2020-04-09
Company: Fay Servicing, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We hired an attorney ( XXXX XXXX XXXX, XXXX ) ) through legal shield in XX/XX/2019. The attorneys wrote a letter of complaint that the Fay Servicing did not apply a credit of {$190000.00} to our account that was cancelled ( 1099C attached ) by the previous servicer ( XXXX ). 
Fay Servicing responded ( letter is attached ) essentially stating that we did not live up to our modification agreement by not being in good standing that was given us, so we forfieted the credit.However that was NOT TRUE, we have attached 12 months of bank statements paid to our previous servicer indicating our payments. 
We asked Fay Servicing why did we receive a 1099C if we weren't suppose to get the credit. They said in the letter of response to us, that they send them out as a FORMALITY. How could this be legal when we have to file these documents on our tax returns, which we did for that year. 
The attorneys that we hired said that we would have to sue to take it any futher and we don't have the funds for that. Please help us straighten this situation out.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: BQ & Associates, P.C., L.L.O.
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Consumer has been receiving frequent repeated calls to consumer 's phone number from ( XXXX ) which belongs to the collection law firm of Brumbaugh & Quandahl, LLC. Consumer does not owe a debt to anyone. Consumer never has owed a debt and will not be 'harassed ' by this law firm in relation to a debt. Consumer contacted ( by phone and recorded the call ) the law firm who stated they were looking for a person by the name XXXX XXXX. Consumer is not familiar with a XXXX XXXX, do n't know the person, never have known the person, and is not related to the person. Consumer made known to the law firm ( and recorded it ) that they ARE NOT to call Consumer 's phone again. Consumer has NOT given Braumbaugh & Quandahl expressed permission to contact consumer on any level. Consumer is reporting in this venue a complaint related to Consumer 's position in this matter. Consumer will file a federal and state lawsuit against Brumbaugh & Quandahl LLC, if they do honor Consumer 's wishes and 'cease ' contact with consumer immediately. Consumer does not want calls, letters or emails from Braumbaugh & Quandahl related to this matter. Consumer will not tolerate consumer 's phone ringing incessantly or periodically from Braumbaugh & Quandahl. Consumer has the right to peaceful enjoyment of consumer 's phone and home under the Telephone Consumer Protection ACT of 1991 ; ( TCPA ) [ 47 U.S.C. Section 227 ] Section 227. At NO TIME has consumer given expressed permission to Brumbaugh & Quandahl to call consumer for any reason. Under the FDCPA Section 15 U.S.C. 1692d Section 806 Braumbaugh & Quandahl are 'harassing ' consumer if they do not discontinue contact of consumer. Consumer thanks the CFPB for providing this venue as a form of documentation that can be tendered as evidence in a court proceeding if necessary. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: JPMORGAN CHASE & CO.
State: FL
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:
CHASE BANK DENIED CLAIM ON XX/XX/XXXX CLAIM WAS MADE ON XX/XX/XXXX DUE TO A TO A CHARGE ERROR ON CHASE BANK ACCOUNT. CHARGE OF {$700.00} WAS SEEN ON ACCOUNT FROM XXXX XXXX XXXX XXXX. CONTACTED CHASE AND CLAIM WAS MADE. 

CLAIM WAS DENIED ON XX/XX/XXXX CONTACTED CHASE AND REP. SAID CLAIM WAS SUBMITTED INCORRECTLY BY LAST CHASE REP. WILL SUBMIT NEW CLAIM AS FRAUD. 

CLAIM DENIED AGAIN ON XX/XX/XXXX CHASE STATED CLAIM DENIED DUE TO MANY OPEN CLAIMS. TRANS WAS FRAUD WHY IS CLAIM DENIED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Remitly, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
XX/XX/XXXX, we requested that Remitly.com transfer {$1200.00} XXXX through XXXX XXXX, XXXX, to a dear friend. We authorized our debit card for the transaction. We had done similar transactions monthly since XX/XX/2019 with no problems. 

We received information from XXXX that XXXX had a problem with the transfer. Our intended XXXX recipient phoned XXXX and was told they never received the funds from Remitly. 

We have not received a refund despite their claim refunds will occur within a week if the transaction fails. 

Remitly does not respond to our emails and the phone service ( XXXX ) does not take messages but refers us to their site. The Help site does not allow for cancelling the order - we are told to look at their information and go to the end to hit cancel, but there is no " cancel '' there. 

Thinking that perhaps I erred in my original request, my wife tried also to put through a request, using her slightly different debit card, on XX/XX/XXXX. That was a big mistake. At that time we expected a timely refund of my original request. Now Remitly holds two orders of {$1200.00} and no one at Remitly responds to our phone requests or our emails. 

Yes, we understand their staff is affected by the corona virus. But we desperately need both orders cancelled and our funds received. We can then pay our own bills and still send money another way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: TX
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:
Request to stop agency from reporting information. 

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights. 

XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX - Account # XXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX Accordingly, 15 U.S.C. 1681 602 ( a ) states, I have the right to privacy.

15 U.S.C. 1681 Section 604 ( a ) Section 2, further states a consumer reporting agency can not furnish an account without my written consent.

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 2022-09-14
Company: PNC Bank N.A.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I currently have a mortgage with PNC. I'm continually being sent letters for non payment. The bank seems to purposely either not process the payment or is losing it. It has taken them on my last payment an extra 18 days to process a payment. It seems they are in the business of purposely making my payments delinquent. I have all the dates of when payment is sent. I have always paid this the same way since the beginning of the loan. Now there is always some confusion with their system. There is a example of a payment that was from XXXX that should be applied to XXXX and they still have not completed this payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: Stellar Recovery, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
on XXXX XXXX i was checking my credit report when i see that i had something reported to my credit file by XXXX as a collection item. immediately i contacted the credit bureau who informed me it was from some collection agency call Stella Recovery Inc. its reporting that i owe {$560.00} to comcast which i have never had any service with. i was not aware that there was a bill in my name with this company as i have never had any form of communication which such company. i put in for a dispute and on, regarding this creditor. on XXXX XXXX i received an email from XXXX stating that the dispute was complete and a number was given to me XXXX, however, when i checked my report the info was still on my file, so i again call XXXX and the rep told me that they contact XXXX and XXXX said this belong to me. i immediately called comcast who could not find any info with my name or address in their data base or even an account number for this service, not only that they informed me that they do not deliver service to my area. i have never lived anywhere out of XXXX and find this strange. attached please find a copy of my id and the info that was reported to my credit report. i would like for this to be completely be removed and this agency who is reporting false info to my report be dealt with. also the credit bureau makes me feel like there is no safety with them either which is really sad. this is no the first time my credit info is being compromised and it bothers me to the core.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: NRA Group, LLC
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I found out on XX/XX/XXXX about information sent to collections through XXXX XXXX. I'm disputing the information being sent to a collection agency and appearing on my credit report as I was never advised of any invoice via mail or phone from National Recovery Agency ( collections agency ) prior to placing on my credit report. I never received a letter giving me the opportunity to validate the debt. 

I have contacted XXXX XXXX in XXXX of XXXX regarding the charges that were charged to me because the insurance companies XXXX XXXX and XXXX have paid the allowed amount of some of the charges and the other charges for the medicine they never billed the insurance company. I have called several times for months and they said someone from the billing department would contact me. 

Please investigate XXXX XXXX and National Recovery agency for failure to notify consumers and unethical billing practices.

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 2022-09-14
Company: EQUIFAX, INC.
State: PA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. Statee Ihave the right to privacy. 15 U.S, C 1681 Section 604 A Sections 2 IT also states a consumer reperting agency can not furnish a account without my written instruction,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: Bread Financial Holdings, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I HAVE REPORTED DISPUTES ON THE ABOVE CREDITORS FOR REPORTING INACCURATE DEROGATORY MARKS, ACCOUNTS STATUS, AND VIOLATING MY CONSUMER RIGHTS. I HAVE FILED A COMPLAINT WITH XXXX   PREVIOUSLY ON XXXX XXXX/XXXX  XXXX AND I NEVER RECEIVED ANY UPDATES, REMOVALS, OR VERIFICATIONS TO SUPPORT THEIR REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for a Citi " XXXX '' card on XX/XX/2022. The XXXX credit bureau had been suggesting cards offering 0 % interest for balance transfers for some time. I chose Citi XXXX for their " 0 % intro APR for 21 months on balance transfers and for 12 months on purchases '' ( Application # XXXX ). The balance I wanted to transfer was about {$4500.00} at the time. I received a letter dated XX/XX/2022 from Citi that stated my credit limit was {$4600.00}. I immediately called Citi to ask about the low credit limit and explained the application was for a " balance transfer ''. The woman I spoke with instructed me to call back to ask for an increase. On XXXX ( XXXX p.m. XXXX ) I called Citi ( phone description XXXX XXXX XXXX ) and explained the initial application was for a balance transfer. After speaking to XXXX, the representative, I asked to speak to a supervisor. XXXX transferred me instead to account specialist XXXX. I again explained the reason I applied for the XXXX card was for the balance transfer promo. XXXX said the Credit Department will review it and I should receive a letter within 7-10 business days. I asked XXXX to make sure to add a note for the Credit Department that this increase is related to the initial application. It doesn't appear that XXXX entered that note because I later received a letter from Citi stating the account was too new for an increase. My complaint is that a {$4600.00} credit limit seems incredibly low for a " XXXX '' cardholder. My credit score was between 750 and 800, on-time payments, no bankruptcies.

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 2016-09-19
Company: M&T BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX of 2016, my husband and I renewed our investment property insurance with ( XXXX XXXX PA, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX ) ( XXXX. Company is XXXX XXXX XXXX XXXX ). 
On XXXX XXXX, 2016, my husband and I received a letter ( see attached ) from our investment property Mortgage Company ( M & T XXXX. XXXX XXXX, XXXXXXXX XXXX, phone # XXXX ) stating that we do not have sufficient flood insurance and that our investment property is in a [ Special Flood Hazard Area ]. And the letter went on to state that if they ( the mortgage company ) did not receive updated flood insurance, that they will obtain another flood insurance policy on the property. 
On XXXX XXXX, 2016, I called the XXXX of XXXX XXXX where the investment property is located and inquired as to what type of flood zone our property is in. According to the letter sent by the City of Sunrise, our investment property is not located within a Special Flood Hazard Area based on the Flood Insurance Rated Map ( FIRM ). [ See attached letter. ] On XXXX XXXX, 2016, we faxed a copy of the above letter to ( XXXX XXXX XXXX Insurance Agency ) and emailed a copy of the letter to M & T Mortgage to their offered website in their letter XXXX XXXX XXXX. 
Approximately on XXXX XXXX, 2016, we received a letter from M & T Mortgage stating that they had placed another Flood Insurance Policy ( see attached ) on our Investment Property, knowing that my husband and I already have sufficient flood insurance on the investment property. 
The mortgage company needs to have more respect for laws, policies and for us as property owners. M & T Mortgage does not own us and we are not someone to push and kick around. 
M & T Mortgage has falsely placed another flood insurance policy on our investment property causing us the responsibility of XXXX insurance payments. I hope you can inform M & T Mortgage that a federal policy/law is in place on this matter and they are not abiding by it, so they need to. We actually do not have to carry flood insurance because the property is not within the flood zone map, according to the XXXX of XXXXXXXX. But, M & T Mortgage Company goes and force place flood insurance on our property like we are some type of insignificant individuals. And took the flood money out of our escrow already, which I hope you inform them that they need to replace it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I received a XXXX XXXX credit card to purchase an engagement ring for {$15000.00} because of it's promotion of 0 % interest for 12 months. If the balance is paid in full in 12 months ( XX/XX/2020 ), no interest will be charged. First off, their online system does not allow automatic payments, but instead you can only schedule ONE payment ahead of time, making it very hard to keep track of your payments. Ok, come XX/XX/2020 I was in the process of disputing a {$38.00} late fee. I scheduled to make full payments to pay off the balance on time. After I scheduled my payment, I was also charged a {$2.00} interest charge on my late fee. As of XX/XX/2020, my balance of $ XXXX was paid off, except for {$40.00}. It was because they did not waive my late fee and the interest charge, not the original balance. Because of this, they proceeded to charge me the entire deferred interest amount of {$4000.00} and are refusing to remove it. I have contacted them multiple times and they are refusing to work with me, especially during the national crisis. I can not file a lawsuit as the courts are closed, and they are continuing to charge me interest month after month.

Company response to consumer: Closed with explanation