BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I made a onetime transfer from my XXXX XXXX prepaid card ( direct deposit ) of {$1000.00} on XX/XX/2021 to a BOA account and also {$960.00} on XX/XX/2021 to XXXX XXXX  account but the bank accounts I made the transfers to held the funds which they left me with no choice. 
I will really appreciate if something is to be done to help, thank 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 explanation
Consumer complaint received 2016-05-23
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I filed an insurance claim and received a check for the repairs for over {$25000.00}. the check was issued to myself and my wife and my mortgage company Dovenmeuhle and my adjuster. My wife and I endorsed the {$25000.00} check and sent to Dovenmuehle. they returned the check and said all parties had to endorse. So I had my adjuster endorse and we sent to them. Dovenmuehle received the check and placed in an escrow and has not released any money at all. They sent us a letter we needed to file a certain documents including a proposal for repairs. We filed one and they did not accept cause the total amount of repairs was less than the amount of the loss. So we filed a second on for {$38000.00} and have waited for them to release part of the funds and they have not issued any money. Dovenmuehle have sent like XXXX letters telling me about the insurance loss and they I need to bring this matter to a close. How can I close this issue if Dovenmuehle is holding the money!! They send me from the loss draft department to the loss mitgagtion department and neither department has resolved our issue. I know our account is past due but we are unable to make the full payment. we had a business and has to close it down due to government intervention. so we lost all the revenue we had. 
My wife and I had filed loss mitigation request to adjust our payment. Well the loss mitigation forms were filed last year. we sent them tax returns, bank statements and all items required. They tell me that the committee has to resolve the issue but they cant tell me when the committee meets and when the date the item will be resolved. 
We have XXXX isssues - the loss on my home and the loss mitigation request. They have comingled both issue and have not issued any money to me. I have waited 5 months and nothing has been done. I have offered for them to take part of the proceeds and pay the past due amount but they refuse to do that. So basically they are telling me I cant get my money until the loan is paid off. My attorney sent Dovenmuehle a letter that we wanted to file a law suit to have the money sent to a court and the court resolve the distribution of money. However I do n't have money to file the law suit. Dovenmuelhe has not responded to any of my requests. They have not sent me any money at all. They are holding my money in escrow and cant pay the past due amount. That money is mine and I can do what I want with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: Experian Information Solutions Inc.
State: NY
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2021-12-26
Company: EQUIFAX, INC.
State: NY
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: Pinnacle Credit Services, LLC
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 was discharged in bankruptcy

Complaint:
I have called and submitted letters to XXXX and XXXX with a copy of my Bankruptcy Discharge notice disputing a collection account on my credit report. The debit was a XXXX 's XXXX account that was included in the bankruptcy and purchased by Pinnacle Collection agency 3 years AFTER bankruptcy was XXXX. I have received collection calls, letters requesting payment etc. I have been trying to rebuild my credit but have been denied again and again because of this showing as a collection account. XXXX in particular only added a notation the collection account was included in bankruptcy but will not remove and the other credit reporting agencies will not remove either. The collection account has RE-AGED debt as of 2012 which is in accurate. This has caused me financial injury these seven years since filing for bankruptcy. So after repeated request to verify information, the collection agency and all credit reporting agencies have provided false investigation results and have ignored bankruptcy discharge notice. In effect violation the automatic stay issued by the U.S. Bankruptcy Court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-10
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Americollect has been contacted by me and by the XXXX regarding debts owed to them. They continue to answer in a manner that just gives a run around. No real solution. I had set up an automatic payment to pay on a debt they say I did n't pay. They stopped taking out of my checking after the payment was made on XXXX. The debt listed of {$60.00} should have been paid off. They claim I still owe it, they say that the last payment made was XXXX, but I proved to them that they took out another payment on XXXX, but they claim they applied to another account. They are not applying it correctly and refuse. I have also been disputing a debt from XXXX of {$640.00}. They are saying it was delinquent of XXXX, this does n't even give enough time for insurance to be billed and paid and then sent to me for payment. We filed for bankruptcy on XXXX and I have been questioning this debt. I know XXXX was the original debtor and they were included in my bankruptcy, which also means I did n't receive any bills either from them. I am only asking my bill show it was paid and the XXXX for {$640.00} should be removed, either way my 7 years will be up, or they are asking for a debt that was including in my bankruptcy which is against the law. They refuse to update my credit report with the correct information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On Wednesday, XXXX XXXX we informed Dovenmuele Mortgage that we wished to pay off our mortgage, and was told by the representative we were talking to that we had to have a closing statement ordered before we could pay our loan off, which she told us she would order to be completed by Friday XXXX XXXX. When we called on XXXX XXXX though no closing statement had been prepared, and they could find no record of one having been ordered leaving us to attempt to our mortgage off online. But it would only allow us pay {$6600.00} toward the principal, and another {$760.00}, which we put in the other category, since it would not allow us to apply anymore toward the principal. As we had still not received a closing statement on Tuesday, XXXX XXXX, we called Dovenmuehle again at XXXX, and talked to a supervisor, who told us she would request that an expedited closing document to be prepared and faxed to us, that was supposed to only take from 2 to 4 hours, and that she would request that the additional {$760.00} that we paid on XXXX XXXX, which should have been applied toward the principal, but was n't, be applied toward our principal balance. On Wednesday afternoon, XXXX XXXX, a day after we were supposed to have received a closing statement, we finally received a closing statement from Dovenmuehle, although the payoff amount was incorrect, as they had still not applied the extra {$760.00} we paid toward our principal, as they were still holding it in a suspense account, and charging us interest on that amount. While talking to a supervisor later in the day on Wednesday XXXX XXXX she suggested that we wait until they apply the extra {$760.00} toward our principal, which she told us could take up to 5 days, and then request another closing statement to keep from confusing their accounting dept. Although we have called and talked to a supervisor every single day since XXXX XXXX, and even filed a complaint with the XXXX, they have still not applied the extra {$760.00} we paid on our loan toward our principal, and have still not provided us with an accurate closing statement. We simply wish for them to credit the {$760.00} we paid them toward our principal, provide us with an accurate closing statement so that we can pay our loan off, and take off any interest that they have charged us on the {$760.00} they have been holding in their suspense account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: Comerica
State: MD
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I had 2 fraudulent charges that were not made by me or for me on XX/XX/XXXX at XXXX XXXX. {$700.00} and {$50.00} at XXXX XXXX. as well as a XXXX fee. 
XXXX, live in Md. and some scammer listed as XXXX -PREPAID IN XXXX XXXX NV . -Looked up and CALLED -CLOSED CASINO-COVID. I was left with XXXX on XXXX, and no way to pay rent, phone, XXXX XXXX prescriptions, gas for rides or toiletries! Filed dispute-did everything asked of me, requested 2day Expedited card, dIdnt come, called Direct Express and with an open dispute they allowed the scammers to change my permanent Md. address to I assume the thieves address-XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX! I paid XXXX promised reversal due to taking 9 days to receive,16 days later still attempting Denied!! They mailed me a questionnaire to fill out and return within10 business days. Id already faxed in all information. Questionnaire came 8 days later and filled it out instantly, took to P.O. walked it in and asked when it would arrive in Texas, they said Monday 2 days to spare! I called Monday morning XXXX to check on stat of new card reversal, I was given more runaround and told they had denied my dispute ( HAD NOT RECEIVED MY QUESTIONNAIRE YET! ) denied with NO APPEAL because the SAME thieves withdrew XXXX twice in XXXX that I had NO KNOWLEDGE OF and theyre trying to keep MY INSURED MONEY because I did not KNOW or REPORT the 2-XXXX charges from similar name- PREPAID!! I am DESTITUTE, these PEOPLE ARE GIVING ME THE RUNAROUND, I have done the so called investigators job and it is clear as day this is THEFT and they WILL NOT TETURN MY MONEY! Please HELP ME! No savings, alone, XXXX  and no other income!! They even know they told me the thieves tried to withdraw money out twice the night of, but before XXXX XXXX  when my money was expected as always and had been denied! I had had XXXX in my account for at least 2 weeks and would have NEVER TRIED TO WITHDRAW MONEY THAT I KNEW WAS NOT THERE!! That is ridiculous! This investigator needs to be fired, did not do even a little bit of work, totally useless!! Thank you!!! Help me please!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have a condo for rent and this person contact me on the XXXX of XX/XX/2021 online saying that his company is going to pay for his staying with check come from XXXX and XXXX XXXX and I deposited in my account its been clear for three days Funds in my account with Bank Of America, on the second day after I recived the check he asked me to refound the extra to his agent traveler becouse his company mistakingly send me the extra $ which was about half of the check and thats when I XXXX  it to his email address on the XXXX of XXXX, the check bounced in my account, I cantact BOA and I explain the suspicious of scam that im in. They replied they will ask the person to refund me the XXXX transactions that I made, they going to ask the Scamer to refund the money ( what a joke ) respond from my bank, when is the counter fake check why they made the funds available for 3 days in my account?? Whenever legiment checks are stayed over 10 days to be clear in my account. They are part of the problem Note : I have the scammer name, email & address Thank you for looking in to this

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 2015-06-11
Company: Comerica
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
As a XXXX employee on XXXX, the XXXX of XXXX XXXX issues my benefits on a debit card issued through Comerica Bank. My card expiration date was XXXX. I had called Comerica back in XXXX 2015 to see when my new card would be issued. I got a recording that said my card would be expiring soon and that my new card would arrive soon and that if I did not receive it, to notify them. When I had not received it by XXXX XXXX, I called Comerica on XXXX XXXX and the rep told me that the new card had been mailed out on XXXX XXXX, 2015. I told her that I had not received it and she informed me that it needed to be cancelled in case it was lost or stolen. I told her that I needed a valid card to make grocery purchases, etc. She told me that I could have a new card expedited to me in 2 days for a fee of {$13.00} and that my new card would arrive by XXXX on Wednesday, XXXX XXXX. When I did not receive it on XXXX XXXX as promised, I called Comerica back and asked to speak to a supervisor. I informed her that I had paid {$13.00} to have my new card delivered to me by the XXXX and that our XXXX driver always comes around XXXX. She said to be patient because XXXX works XXXX and that it would arrive ( It never did ). She also informed me at that time that my original card was valid through XXXX even though it states on the front that it expires on XXXX. I asked her why I was not given that information on XXXX XXXX when I called so that I would not have to spend {$13.00} to have a card expidited to me. She had no answer. My new card did arrive a day late on XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-08
Company: Guild Mortgage Company LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I had engaged a mortgage lender and was incorrectly advised by this lender on a gift transaction. As a result they are telling me I am required to disclose additional information I was told I would n't have to due to this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: Experian Information Solutions Inc.
State: AR
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 have dispute accounts on several occasions and this company is still violating my consumer rights. The accounts and inquiries need to be removed or I will proceed with litigation.

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 2017-04-30
Company: Midwest Recovery Systems
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A medical claim was met through deductibles. A total charge of  XXXX  dollars and  XXXX  were sent in.   XXXX   of Illniois covered through insurancr. The total amount I owe on both is  XXXX  dollars. I sen t MRS the  paperwork and told them they were wrong to begin with since I delay with this over a year ago. I retained a lawyer and once this is cleared I plan to sue MRS. My wedding is in a week and because of this false collection it twice prevent me from being  approv3d o n ctedit. The documents were sent to  MRS and   XXXX . Currently is dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: American Credit Financial
State: NY
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I live in nys, I did n't know that payday loans were illegal here until today, a few years ago I took out payday loans to help me with bills and have had a lot of financial issues since then anyway I get a phone call today and was left a message about I need to call American credit financial back in 48 hours there are XXXX fraudulent checks in my name, I call back and its about a payday loan then this man proceeded to tell me someone is coming to my home on Friday XXXX XXXX 2016 to give me a letter that I owe XXXX and if I do n't respond then the sheriff in my county will serve me the papers and then I will have to go to court and judgement will automatically be XXXX dollars and he was from legal dept I told him I would call him back tomorrow he said his name was XXXX XXXX and he said the call I got was from XXXX XXXX a courier if I do n't call him something else will happen I do n't remember what he also said the conversation was being recorded, now mind you I tried to contact this lend me now payday company a couple of years ago number was out of order and like I said I did n't know that these payday loans were illegal in nys what can I do now

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: Rent Recovery Solutions
State: GA
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:
The apartment bill me a year after i moved out.They bill me for about {$2.00} XXXX and said i did not pay rent.I gave them a 90 day written letter, turn my keys, and i got a walk thur letter.I even gave them my foward address which is my current address now.The said i was evicted and did not turn in my keys.That was not true i follow all the rules of the lease ending.I have been writing them only get dead end and lies.I need help get this off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: STERLING JEWELERS, INC.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2017 I received a called from I received a call from XXXX from XXXX, he called back to back three times, when I answered the he asked to speak to XXXX, I responded this she, he identified himself, Then he proceeded to as for my ss # and I said I 'm not going to verified anything with he then asked for my birthday, I repeated my self, he continue to asked for my address I refused. He became very upset with and his whole attitude change. I told him you do n't talk any kind of way. He snapped you have a great afternoon, I 've just got out of the hostipal and not supposed to be under any stress. 
My husband grab the phone he hung up this is the second they called and got smart. My husband explained to them that I have a serious XXXX XXXX and their respond was somebody have to pay the bill. If we had the money the bill would be paid nobody like to be harrass

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/21 someone did a transfer money without my authorization from bank of America to a saving or checking. on the week I have notice by card has been lost since I don't check my balance often I notice on the XX/XX/21 my whole money was gone from my visa prepaid by XXXX and I did a claim and a police report and bank of America didn't send me a letter notify who did the transfer on my account now they denied my claim please help

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 2015-07-30
Company: Dovenmuehle Mortgage, Inc.
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX I purchased a home in XXXX XXXX with my VA loan financed through XXXX and serviced by Dovenmuehle Mortgage. I purchased Flood Insurance from XXXX with {$170000.00} Building & XXXX contents and a premium of {$1900.00} per year. On XX/XX/XXXX XXXX mailed a renewal notice to my lender. My lender, at its sole discretion, chose option B on the bill and purchased additional coverage without my consent. I did not catch this until XXXX when they tried to raise my mortgage payments. 
XXXX said they are required to provide XXXX options by XXXX. I think this is unethical. 
When I called XXXX the XXXX time they just told me the premium increased. They did not tell me they purchased additional coverage instead of renewing the policy I already had. They chose option B which is {$190000.00} building, {$26000.00} Contents with a {$2100.00} premium. I NEVER Authorized them to add coverage. When I questioned them more they told me it is their standard operating procedure to " pay the highest premium on the bill ''. Again, this is unethical. The way I see this is XXXX is mandating bill 's to be sent with an option to increase coverage, mortgage companies are " automatically '' purchasing the increased coverage, and the Insurance companies are getting rich off unsuspecting customers that trust their mortgage company is doing the right thing instead of padding their books and policies. This was not a force placed policy. It was only a renewal.

Company response to consumer: Closed with explanation