BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-21
Company: E*TRADE BANK
State: WA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
On XXXX XXXX, 2016 I issued an electronic payment from my E*Trade checking account in the amount of {$2700.00} to XXXX XXXX by mistake. This payment was delivered to XXXX on XXXX XXXX, 2016. E*Trade confirmed this was delivered to XXXX. I am attempting to have it refunded. 

I have spent hours on the phone talking with XXXX service agents and the results have been a complete dead end. My account with XXXX is no longer active. It was discontinued at least 8 years ago but I failed to remove XXXX from my payee list. They could find no record of my old account no. XXXX. They could find no record of my name. They could find no record of my old phone no. ( XXXX ) under XXXX. They apparently have no idea of where to look for this payment or who to refer me to for help. The various departments I talked to did consult their supervisors and they were no help either. 

This payment was labeled with my old account no. and my name. 

I also contacted customer support by e-mail. This is their reply ; " Thank you for contacting Internet Technical Support. 

Unfortunately we can not assist with this problem further via email correspondence. Please call Customer Service at : XXXX, so we can take the appropriate corrective action to address the issue. 

I recommend getting supervisor to assist you, as maybe able to dig into this on your behalf. '' Sincerely, XXXX XXXX.

Company response to consumer: Closed
Consumer complaint received 2021-03-14
Company: Commonwealth Financial Systems, Inc.
State: OH
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
This is not the first time I have bern hit with overdraft fees by TD Bank despite making a deposit before an item cleared my account but I will stick to the most recent. Yesterday, I had a positive checking balance of {$38.00}. My monthly check was ( is ) late to arrive again so knowing my car payment was due to I deposited a personal check for {$250.00} by mobile deposit at XXXX XXXX XXXX/XXXX/17 before my car payment posted. My car payment of {$240.00} posted today XXXX/XXXX/17 and my account balance is - {$200.00}. Per TD Bank, my deposit the date before my car payment posted does not count ( and is not even showing online in my pending items despite being a personal check. ) Per TD Bank, I will still be responsible for overdrafting and fees. XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX we received an offer of settlement from Chase for the amount of {$33000.00} to settle in full our second mortgage on our house. At this time we were in mediation with Chase for our XXXX mortgage and chose to let the offer that ended in XXXX lapse. On advice from our attorney, we sent this offer to the Washington State Attorney General because the form looked like a teaser - it used the words " we may be able to release any Chase-held liens. '' In XX/XX/XXXX we received an offer of settlement from Chase for the amount of {$28000.00} to settle in full our XXXX mortgage on our home. We were still in mediation with Chase on our first mortgage and chose to let the offer that ended in XXXX lapse. During our second mediation hearing in XX/XX/XXXX, after XXXX years of trying to get a modification, Chase told us that our pooling and servicing agreement did not allow for any modifications. The same day that we learned that we would not be eligible for a modification on our first loan with Chase, we contacted Chase to try and settle our second mortgage so we could try and get a new loan on our first and retain our house. After the usual no-call backs as promised, Chase offered to settle our second loan for the new amount of {$55000.00}. I asked that the offer be e-mailed to me and I never received an e-mail. On XXXX XXXX I received a phone call from Chase. I was told that the offer for {$55000.00} was good until XXXX XXXX and any subsequent offer would be for more money. 
We are trying to retain our house. Chase is pushing us down a foreclosure path that is both unethical and disturbing. Why does the settlement offer nearly double when I contact Chase to try and settle? My house has not gone up in value that much between XXXX and XXXX of this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
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:
Under 15 U.S. Code 1681b-Permissible purposes of consumer reports. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave Equifax any written consent to report anything on my credit report. No consent is IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I 've been a customer of TD Bank NA ( formally, XXXX XXXX ) for more than a decade. 
Now TD Bank said they will close my accounts for no reason. 
I depend on over XXXX vendors and bill pay and automatic debits to use my accounts and XXXX of TD Bank. Also, some accounts are with my partners. They can not be closed. 
Please look into this and keep all my accounts OPEN. 
There are no issues nor concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: EQUIFAX, INC.
State: OR
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:
I obtained my consumer report on XX/XX/21 and I have negative late payment remarks reporting that I believe are inaccurate and not fair to my consumer rights. I do not consent for my information to be reported to non affiliated third parties. This inaccurate reporting to the bureaus of my information needs to be stopped immediately according to 15 U.S.C 6802 section ( b ) I have this consumer right according to 15 U.S.C 1681a section ( b ) I have the right to authorize exclusion any information or credit given to me as the consumer from being reported. My information being reported is not only inaccurate and impacting my life as a consumer but is causing me incredible amounts of emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I was the victim of an identity theft. This occurred XX/XX/XXXX when an unknown individual opened XXXX accounts using my name and social security number with a Texas address of another individual with my last name. I became aware of this XX/XX/XXXX when I received a collection letter from XXXX XXXX representing collections on an account from XXXX XXXX XXXX XXXX. Upon review of my credit report I noticed another fraudulent account that was in arrears on my report that I had no previous knowledge of from TD Bank XXXX. I set up an account thru XXXX, filed a police report, sent all the appropriate letters to XXXX XXXX, XXXX XXXX XXXX XXXX, TD BANK USA/TARGET, XXXX, XXXX and XXXX. XXXX XXXX XXXX XXXX responded right away and removed the fraudulent information from my credit files. Transunion and Experian removed all of the fraudulent information from their credit files. Equifax refuses to remove the information from my file from TD Bank USA/Target until they hear from them directly that it is fraud. I have sent XXXX letters with all the appropriate attachments to TD Bank USA/Target dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. To date I have had zero response. I have also tried to contact TD Bank USA/Target by phone but repeatedly get the run around ( they have no info on me or that account etc ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-07
Company: Express Recovery Services, Inc.
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I HAVE PAID ON THIS BILL EVERY TIME I RECEIVED A BILL. ALSO HAVE PAID TO DATE {$690.00}. WHICH WAS NOT DEDUCTED FROM {$1700.00}. I AM MORE THAN WILLING TO PAY ON THIS DEBT BUT WAS NEVER NOTIFIED BY MAIL NOR EMAIL. EXPRESS RECOVERY WENT STRAIGHT TO COLLECTIONS WITH NOT LETTING ME KNOW TO WORKOUT A PAYMENT RECORD

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2021-03-15
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
the main reason for this complaint is to let our state attorney and the ftc before it go to federal court ; two collection companies is reporting accounts that's been reported by the original creditor as paid in full.as you can see by the reports that's sent with this complaints the company ; lvnv funding is reporting a paid in full account # XXXX by XXXX XXXX XXXX.which stated a paid in full account.amount XXXX The company ; XXXX XXXX asso.is reporting account XXXX in the amount {$390.00} amount paid XXXX XXXX.the only reason those two collectors is reporting false billing on a XXXX years old person is hate and that will go into court with me.If those companies is not willing to move this trash from my credit report.this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card
Issue: Billing statement

Complaint:
On XXXX/XXXX/2015 I was contacted by XXXX XXXX at XXXX XXXX that my Target Credit Card ispast due. I informed her that I had n't been receiving statements from target since XXXX. At that time, I had a death in the family, and was n't really thinking about it. A couple of months go by and I never had the opportunity to address the issue. I was also never contact by anyone at Target during this time either. 

So I asked XXXX, if she could reprint the last few statements, so I could review them, and remit payment. She informed me that she could n't do that. She also told me that a statement was mailed on XXXX, which at the time of this writing I never received. I asked her if it were possible that I was signed up for electronic statements. She said no. I told her that I was n't comfortable making a payment until I saw a statement. 

I decide to call up Target to see if they could help. I asked the agent If I was on electronic statements, she said yes, I said where are they going, she said I would have to log on to get that information, I said I 'm not even sure I have a log-in id. I said is it possible to have the last couple of statements printed out ; she said she would have to transfer me. I waited close to XXXX minutes, and had to hang up. I called a second time a few hours later, and I was waiting another XXXX minutes to speak to someone, which I had to get off the phone. 

Until I receive my statements, I 'm not comfortable making a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-21
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The violations that have occurred include, but are not limited to violation of the Fair Debt Collection Practices Act [ 15 USC 1692d ] A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

The violations that have occurred include, but are not limited to violation of the North Carolina Fair Debt Collection Practices Act 58 70 100. Harassment. ( XXXX ) Causing a telephone to ring or engaging any person in telephone conversation with such frequency as to be unreasonable or to constitute a harassment to the person. 

The violations that have occurred include, but are not limited to violation of the Telephone Consumer Protection Act ( 47 U.S.C. 227 ) by its actions of calling consumer 's cellular telephone using automatic telephone dialing system and artificial or prerecorded voice ; 47 U.S.C. 227 ( b ) ( 1 ) ( A ) ( iii ). 

The violations that have occurred include, but are not limited to false or misleading representations ; in violation of 15 U.S.C. 1692e. Specifically, the use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

The violations that have occurred include, but are not limited to violation of the Fair Debt Collection Practices Act specifically Notice Requirements of [ 15 USC 1692g ] ; overshadowing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: FISERV INC.
State: GA
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 there were over 50 unauthorized transactions to my account. Upon checking my account my funds were depleted to XXXX with the transactions totaling over {$2000.00}. I spoke with the bank and they informed me that they would send over a form and investigate the transactions. During this time I completed all the forms and returned every piece of evidence that I had to prove my innocence which was frustrating because I was the victim in this situation. I included screen shots of the device screen time which was clear evidence that the charges were not made myself or any authorized party. After weeks I received a letter stating that my claim was denied and the case was closed and not to be reopened and that I could call for further information which I thought was very odd since there was supposed to be a investigation. During the month of XXXX my account was compromised again this time for almost XXXX and after calling this time I received the same form but this time the turnaround for the denial was much quicker within days for a few of the transactions they never sent over the form at all which was very discouraging. Before the transactions in XXXX I signed up for fraudulent alerts and this did not happen. I am currently working with an attorney to assist me with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: Navient Solutions, LLC.
State: TX
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 was contacted today at work by XXXX, claiming to be a debt collector and that this was a personal business matter, however the caller did not state who they were, what the debt was, nor would they verify the information that asked about. This same number has called my cell phone, with the same lack of information. They are asking me to verify personal information, and want me to answer their questions, however when I ask for a reverse verification they state that they are unable to provide me the information that I am asking for, unless I provide them my personal information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Mr. Cooper Group Inc.
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Nationstar Mortgage and their attorneys XXXX XXXX XXXX used deceptive practices and dual tracking and LIes while they continued to foreclose on my home of 20 years and lock me out of it and sell it back in XX/XX/2019. I was served all the papers at once and never given a procurement period and was told by the mortgage company that I couldn't pay my mortgage while in modification. I was in modification this entire time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
1. Bank of America Home Loans pays my home owner 's insurance weeks late, triggering a warning of cancelation letter from my insurance company ( likely damaging my credit score ), so they can accumulate interest on the escrow account. 
2. I am trying to pay my home loan off early by making extra payments, after my required monthly payment is made, in order to pay down the principal, but BoA consistently applies part of the extra payment to future interest obligations against my wishes -- months in advance, so they can extend the life of the loan and reap more profit. They have never responded adequately to my protests re this and seem to act like they do n't understand what the issue is.

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 2021-03-15
Company: Experian Information Solutions Inc.
State: CA
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 tried to dispute some of my important credit information that is missing from my report from Experian. I mentioned in the dispute which information was missing and provided the documents, including my bank statement, car loan statement, and the mortgage statement. However they did not try to thoroughly investigate what happened and sent me a letter saying due to the fact that my creditors did not report to them. I verified with my creditors and they said they did report. Also on the reports from the other two agencies ( XXXX and XXXX XXXX ) they do show my accounts information correctly. And now I found out my information was incorrectly shown on SOMEONE ELSEs report. I was an on going problem, and they fail to correct it. Now they said my credit score is unavailable because my credit usage is zero. I dont have any open account!

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 2021-03-15
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I signed up for a bank account with HSBC and was entitled to get a bonus based on direct deposits made to the account. I know that I signed up through the correct link. The bank confirmed that on the phone, but then later refused to honor the bonus. HSBC owes me {$700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I was a customer of  XXXX   XXXX  in the year of  XXXX . I graduated in  XXXX  and was given 6 months before I had to start making payments. I made payments on time every single month, then a major lay off occurred at the  XXXX   XXXX  I was working at at the time. I called  XXXX   XXXX  which directed me to  XXXX  , which I was unaware of and confused. I spoke with them and they told me there was only one option to stop payment for only 3 months and that was to pay three months ahead. I had a co-signer and could not let the paym ent go in default. In turn, I had to borrow money for borrowed money to attend school during our struggling economy. I have now paid this back, however, I feel I was cheated and finally I see the company is being sued and I would like to speak up for others and say I was a victim of their crime in why they are being sued. It was wrong and made a long struggle when most student loans will make arrangements to help less burden the students when getting on their feet.     Also, I do have proper documentation to prove this to be true if in the case it is needed.   Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Selene Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had my trial modification plan that started on XXXX XXXX in the amount of {$6000.00} with Selene Finance LP and my monthly payments was in the amount of {$2100.00} was made every month and on time. I was never late with a payment. 
My account has been transfer to XXXX XXXX XXXX as of XXXX of XXXX. I have been trying with no response from Selene Finance LP to get all my payments and all my 1098 taxes for all the following years such as XXXX, XXXX, XXXX, XXXX and XXXX and only would get every years but XXXX. Selene Finance LP is telling me that I didn't make any payment for the year of XXXX which is now causing me a very bad hardship with the IRS paying back taxes that was paid along with my mortgages payment in amount of {$2100.00}. I would like to know what happening to all my payments for only that year XXXX. 
Please, please help me with this matter I am so hurting from this problem.

Company response to consumer: Closed with explanation