BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-06
Company: BlueChip Financial
State: GA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
XXXX XXXX XXXX, claiming to be an independent processer- -in conjunction with XXXX County Georgia , has been leaving messages on my cell stating that I need to call him to verify my address in order for him to serve me legal documents. He 's also been calling my mother and other family members- -My mother is XXXX years old. On XXXX/XXXX/XXXX, XXXX XXXX XXXX called from XXXX XXXX XXXX stating that he too needs to verify my address and schedule a delivery of legal documents. He called from XXXX, but stated that I need to return his call to XXXX ; which happens to be the same phone number that XXXX XXXX XXXX is calling from. Because these calls sounded very suspicious, I googled both caller names and phone numbers and found that these gentlemen are " intimidators '', so to speak. Upon returning their call, the consumer is transferred to a payday loan collector. Therefore, I suspect that the calls to me are for the payday lender Spot Loan. I borrowed from them in XX/XX/XXXX and repaid nearly twice the amount of the principal. After learning from a credit counselor that I had overpaid this loan and that the lender is illegal in Georgia, I took action and stop paying them. I sent them a cease and desist letter by certified mail. My letter included a detailed explanation of my non-intent to render any further payments.

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 2016-09-29
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I spoke with XXXX from their office regarding Acct # XXXX - {$230.00}. I paid the bill in full confirmation # XXXX on XXXX XXXX, 2016 and XXXX agreed to have the account status be updated immediately with an account deletion from my credit report. Account is still listed as open and unpaid on my credit profile. I have contacted them numerous times via calls and email and letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: ARC Management Group, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
ARC Management Group called my cellphone number on XXXX  XXXX of XXXX to collect a XXXX XXXX XXXX debt I wasnt aware of. I spoke with them on friday about the debt and before we could agree on any type of payment arregement, they told me it was already reported to my credit which I was so confused about since I wasnt aware of this debt. 

The debt comes from XXXX  XXXX XXXX XXXX XXXX PA - XX/XX/2020 Balance : {$3200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: GOLD KEY CREDIT, INC.
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is a physician 's bill that resulted from a visit, for my daughter, to the emergency department. I provided insurance information to the hospital billing department for processing and assumed this bill had been taken care of. In XXXX, an account from Gold Key Credit Services appeared on my credit report and I immediately called the company to inquire about the debt. Gold Key stated that the original creditor was never provided with the insurance information for billing from the hospital and was never able to collect payment. I did provide Gold Key with the necessary insurance information via fax on XX/XX/2016 to fax number XXXX for the bill to be sent back to the original creditor and submitted to the insurance for payment. The insurance is Michigan XXXX therefore the bill will be paid at 100 % - It has been over 60 days and the account is still showing on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-10
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
TD Bank has been consistently ( the past 3 years ) re-ordered my debit transactions by highest to lowest and changing the posting date. Which in turns gives me multiple {$35.00} dollar charges on transactions under {$20.00}. And on top of the multiple over draft fees, the start charging {$20.00} fees every 2 days. On top of that, some how their monthly matinence fee makes an appearance during this random time of the month. Another {$35.00} dollars down the drain.This type of practice is unfair and unethical. On the poorer side of the income spectrum and this makes it hard to maintain any type of decent balance and remove yourself from the black hole.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-10
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Credit card
Issue: Late fee

Complaint:
I had a due date of XX/XX/XXXX, min payment XXXX. I set up weekly payments of XXXX, which were applied XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX. Since the XX/XX/XXXX payment was received & posted after the due date, i believe it should be applied to the XX/XX/XXXX payment. It was NOT.  They said because it was after the due date but before the statement closing date, it could not go towards the following months minimum. the next due date was XX/XX/XXXX. Payments were applied XX/XX/XXXX, XX/XX/XXXX, XXXX, & XX/XX/XXXX. I was accessed a late fee because they say only XXXX payments were received before the due date...even though they had XXXX payments before the statement closing date. If it cannot be applied because of statement closing date then due date & clising date need to be the same.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-29
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
XXXX Bank continued to assess overdraft fees based on the improper reordering of debit card transactions from highest to lowest amount and to assess fees even at times when I would, but for the reordering, had sufficient funds in my account to cover all merchant requests for payment. 
" Illegal and unfair assessment of the account ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
We are disputing Bank of America 's response to our inquiry via the Consumer Financial Protection Bureau under case # XXXX dated XXXX/XXXX/XXXX. The bank 's response of XXXX XXXX XXXX is not providing an explanation as to why the property was not included in the Department of Justice settlement with Bank of America. In the very least, the criteria for qualification should be explained as to rule out the possibility of an error. As previously stated, all other properties owned by us at the time qualified for the settlement. The representative handling the case advised that the bank would proceed to foreclose on the property unless we pay the outstanding amount. It was our understanding that the bank was not allow to collect from us as the property was surrendered under chapter XXXX bankruptcy in 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 2015-10-14
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collection account dates back dated to XXXX for XXXX CC that was paid. Complaint # XXXX. Amount XXXX times what XXXX reporting. I do not owe this money. Filed dispute with Midland asking for verification of debt and statement was put on my credit report meets FCRA. Status of investigation findings never sent to me. Proof that I owe never sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Agreed amount paid to settle debt with stipulation that updated reporting would be done to XXXX major credit bureaus. Debt paid but reporting not made to XXXX major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: Altisource Portfolio Solutions, S.à r.l.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Company did not send notification of an outstanding debt. No invoice requesting payment was ever sent. Because an invoice was not received, I was unaware that a payment was due.

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 2016-06-23
Company: Academy Mortgage Corporation
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
My credit history was accessed ( Hard Credit Hit ) without my permission. I received a call from XXXX XXXX with Academy Mortgage, a mortgage lender whom I told I could n't talk. He said he would email me for the information he needed and I agreed and he subsequently ran my credit but never mentioned it and never implied that he was going to pull my credit. As I am sure you are aware this had a negative impact on my score and I am in the process of disputing it with the bureaus and the service he used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-24
Company: Receivables Performance Management, LLC
State: NE
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:
Receivables Performance Management ( RPM ) sent a letter stating that we had been sent for a debt collection for XXXX in the amount of {$380.00} for services XX/XX/2016. We did not have XXXX services then, nor were we even eligible to get their services as they were not in our area at that time. We called XXXX to verify the fraudulent claims and they have verified that for us. RPM continues to harass us for a debt that is not ours!

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 2016-01-27
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have a private student loan that is serviced by XXXX. In the past, I have been able to pay by bank transfer through the website with no fee. The site now ( effective XXXX XXXX, 2016, according to the front page ) imposes a {$1.00} for bank transfer payments that are not made through their autopay system. Servicers should not be permitted to unilaterally impose fees on existing payment methods or to change the terms on which borrowers have been paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: HEARTLAND PAYMENT SYSTEMS INC
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
the company Campus Partners services private student loans for a number of universities, including XXXX University. They arbitrarily instituted a {$0.00} fee on all payments made with checking accounts directly ( as opposed to autopay ). Because no warning was given, all payments made this month are subject to a fee ( unless the payment is mailed in ). They acknowledge they gave no advance notification either. By this method they are blatantly taking thousands of extra dollars of expense unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Block, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Someone stole my identity and opened a cash app prepaid debit card in my name. Cash app and their parent company have refused to close the fraudulent account. They keep telling me to call this number and wait for emails that never come and so on. Ive used chat Ive called Ive emailed Ive messaged on XXXX and XXXX Ive filed a police report with my local police department XXXX XXXX XXXX ILLINOIS ) and yet this account remains open. I have never used cash app and never would. This is a clear case of identity theft. Cash app and their parent company, Square, have been notified multiple ways- including in writing, and have yet to stop this fraudulent account. I get told to call someone else or wait for an email that never comes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24
Company: Regional Management Corporation
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX the manager at regional fininance on nacogdoches was very aggressive over the phone and when I explained I would not be able to pay and to only communicate with me in writing I said he will continue to call and did n't care if reported his behaviorAt this point he is violating the fair debt act by calling after my requests to only be contacted by writing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-11
Company: JPMORGAN CHASE & CO.
State: UT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
Experian Credit Reporting Agency advertised on-line you could receive your credit report for {$1.00}, then in tiny fine print I did n't see secretly started charging my bank account $ XXXX/month for the past year to monitor my credit -- but NEVER told me that! So I was charged {$370.00} for ABSOLUTELY NO SERVICES WHATSOEVER!! IT 'S A BIG SCAM! When you call them, they do nothing! I had no idea I had a " monitoring service '' on-line. ( did n't want XXXX. ) Experian refuses to refund even a penny.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have a problem with Chase charging overdraft fees. The bank has been charging for overdraft fees when deposits were made to cover the negative balance. The transfers were made via the surepay/quickpay. We have been using this method to transfer funds for weeks without a problem. A couple weeks ago chase stopped posting the transfers as same business day even if the transfers were performed before their XXXX deadline. That change cost me {$100.00} in overdraft fees. We contacted chase to resolve the issue and asked them to refund the fees ; they did not refund the fees. Chase customer service told me that the quickpay cut off was XXXX. I made transfer via surepay into my chase account last night to cover some transaction at XXXX. That transfer went into my chase account balance immediately yet chase did not post it and again today charged me another {$100.00} in fees. We contacted chase and they refunded one fee of {$34.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-10
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I made a ATM deposit on XXXX XXXX at the chase bank atm located on XXXX XXXX XXXX, XXXX Tx XXXX, ATM # XXXX. The ATM experienced a technical problem, and I was not able to see if my deposit was successful or not, and a receipt was printed to me with a number to call. 
I called the number and they filled a claim and asked me to wait 72 hours, after that, I was told that the claim was denied and there is nothing to do. 
I filled for a police report and with that, they made a second investigation but it was denied again. Since then, I am trying to get to my money to pay my rent, which is already pass the due date. 
I am now filling this complaint because there is nothing now my bank want to do to help me and I do not know anywhere else I can go. 
thanks for the comprehensionXXXX XXXX XXXX XXXX XXXXPHONE NUMBER XXXX : XXXXXXXXXXXX have attached my DL Id, the ATM receipt, the police report and the email I have received from chanse bank

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: JPMORGAN CHASE & CO.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I have XXXX variable interest rate loans through Chase and since XXXX the interest rates on XXXX of the XXXX loans have risen a small amount -- .04 %. I noticed this recently while logging on to make a payment but I was never notified of the interest rate increases. I understand that my interest rate can change, I just expected to be notified. I called the bank and they confirmed that I was never notified and apologized. I asked them to make sure I was notified about any other future increases. 

While I hope they comply, I wanted to make sure this did n't happen to anyone else. Are banks required to notify you when your interest rate on a variable rate loan increases?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: IQOR US INC
State: IL
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:
Found a charge off on my credit report from Allied Interstate LLC. Sent a certified letter on XXXX XXXX and it was signed for on XXXX XXXX. In this letter, I I formally disputed this account and I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I requested " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. I receieved no response at all, nor did they mark the account disputed per the latest credit report from experian. I sent a follow up letter even though they had already broken the law on XXXX XXXX and it was signed for on XXXX XXXX with still no response

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 2022-10-01
Company: SANTANDER HOLDINGS USA, INC.
State: FL
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:
Last active dates are different ( XX/XX/XXXX XX/XX/XXXX ), charge off/collection between XXXX XXXX XX/XX/XXXX but the month of XXXX no data provided. Past due amounts on closed accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: Ditech Financial LLC
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was purchased in XXXX by Ditech. Since the purchase, I am having a very difficult time getting my mortgage payments allocated properly. Because I am " ahead '' one payment, they are allocating all of my payments to Principal only. The only way my payments are allocated correctly is if the payment is " late '' ( meaning it is showing up late on their end because they have allocated all my payments prior incorrectly ). I am beyond frustrated. I have called numerous times, I have written to them and still, things are not allocating properly. I have never had an issue with any other previous lender ( and I have had 2 ) and I make my payments via the coupon they send me in the mail ( I tried e-payments but that did not resolve the issue either ). I just want all of my payments to be processed as regular payments with a portion going to Principal, a portion going to Interest and a portion going to Escrow and I would like to keep 1 payment ahead ( I like that buffer ). Thank you for your assistance.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
This is in regards to my second mortgage account # XXXX, that I had with GreenTree. Green Tree sent me a letter stating that my loan was eligible for loan forgiveness and I was working with then to get a lien clearance on the loan. This Loan was transferred to ditech and they started harassing me with their letters. ditech should be working on forgiving my loan and issuing a title clearance on it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
ditech issued a new format billing statement. I believe that my loan may have been transferred to the XXXX XXXX billing platform. 1. a XXXX payment is recorded. I do not know what this represents. 2. the " address on the front of the statement '' now states XXXX XXXX XXXX. 3. I do not know who are the members of the ditech financial LLC. 4. I do not know the State of California business license number. 5. I do not know the actual name of the firm incorporated to do business in the State of California. 6. I do not know the name and address of the registered agent in the State of California. 7. I do not know if my loan is being processed thru the XXXX XXXX platform or if my loan is being processed through the GreenTree or ditech platforms. 8. I do not have a hand-off statement from ditech. An acceptable hand off statement will correlate a ) old-new account numbers, b ) principle balance, c ) escrow balance, d ) property address, e ) parcel number, f ) liens known at the time of the transfer. 9 ) the current state of escrow payments should also be shown in order to know the cut-off date for payments made through the old and the new billing platforms.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation