BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
There was a report advertised see link below yet ive been charged {$35.00} this is false advertisement and discrimination the people that struggle the most are still charged the higher overdraft fee this is ridiculous XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: Navient Solutions, LLC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I 'm not sure what debt he was calling about, but someone named XXXX calling from XXXX called the secretary 's office at my work, tried to get my personal phone number, and left a message saying he was a creditor and that he needed me to call him back immediately. He also left an account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Kimball, Tirey & St. John LLP
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX am making this report in good faith and prays for the assistance from the CFPB. 
Kimball , Tirey & St. John LLP. is in violation of 40 of the FDCPA Laws as you can see in Exhibit A, B, C, D, E, F, G and H. 
I sent Kimball , Tirey & St. John LLP. As well as XXXX XXXX a debt validation letter on XX/XX/2022. 
Kimball , Tirey & St. John LLP. As well as XXXX XXXX failed to validate a debt at my request, which is a FDCPA violation and continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Also, as you can see in Exhibit I and J the amount is reporting is different from Exhibit A & B. They are also reporting different to each credit bureau which are Violations of the FCRA. By doing so and by reporting this debt to the credit bureaus it is causing damage to my character and that is Harassment under 15 USC 1692d ( 1 ) Pursuant to 15 USC 1692k - Civil liability, 15 USC 1692k ( a ) ( 1 ) and 15 USC 1692k ( 2 ) ( a ). I want remedy by paying the invoice included of {$40000.00} and immediate Deletion from all consumer reports for my Federally protected consumer rights. please investigate this matter and help me from further harassment. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a capital one credit card and I have missed some payment back in XXXX and XXXX. I was having some financial hardship at the moment and could not make those payments. Since then, I have faithfully made all my payment as things got better for me for the past 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I attempted to recieve my unemployment back pay that I've been waiting on since XX/XX/2020. Literally, the day my funds are released, out of nowhere my account is disabled. No reason given. I was told it could be something in my account history, transaction disputes, or other possible violations of Cash App policy. Well there was nothing wrong the last time I used my card to get XXXX food or purchase an in app game purchas the night before. Im not sure how they came to this conclusion, but there is no recourse for me as a customer. Im helpless. Im stuck. My car payment is behind ( my fault, I know ) and I'm in repo status. My alternator broke 2 weeks ago now I cant move my car to try and make money. I was relying on Cash App to bring me through. My unemployment account already had an error fixed on it, which is why it took so long to be disbursed to begin with. I chose cash app as it had never done me wrong. Boy what a mistake that was. No explanation? Just a XXXX email saying sorry we closed your account, but we won't let you reopen it either. Tough luck and deal with it. What a bully way of handling someone who chose to use your company and trusted your company to secure their financial wellbeing. This type behavior is what is going to kill the next generation of banking users. The way they can freeze your life and you have to answer to them to get your own money. Its just a reminder we aren't free. Its depressing and very eye opening. Any company handling consumer funds, especially credit cards/debit ( prepaid or not ), should have mandatory live phone customer support and have to provide an exact reason why they closed the account. Otherwise how do I know this wasn't discrimination against the poor? How do I know I wasn't targeted? I want an answer for why I'm going to have to wait an additional 7 weeks for my money to be disbursed again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am not aware of this debt. Possibly the result of identity theft. It is adversely affecting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Bank of America decided they wanted to make money off of my banking account as soon as I was hired at a full-time job, so they started charging me a monthly {$3.00} service fee for what they call 'check images ' attached to my monthly bank statement. This service has absolutely no value to me. BOA is just exploiting consumers by providing a service without prior consumer authorization. Even worse, is the fact that in order to stop this 'service, ' BOA wastes citizens valuable time trying to contact them. 

They did send some paperwork saying that account holders could decline, but there is no way to do this without spending an inordinate amount of time either waiting for phone service, or having to meet with someone at a branch. Also, there is no easy way to find an address where one can write to this bank to quickly resolve something like this. 

I have tried three times to cancel this 'service ' -- two times on the telephone, and another time I asked the bank branch greeter to provide me with an address where I can send a letter, but he could not give me one without turning my request into a long research project. 

I am asking your help to get all of the {$3.00} charges reversed so I get all my money back since they started this in XXXX 2015. Additionally, as you can guess, I want this monthly 'service ' and the unnecessary charges stopped since the images are of no value to me. What they are providing is just XXXX 'check ' image that BOA creates to go along with my phone/internet payment on my Target bill -- it is n't a 'real check ' at all. Their image is useless because when one pays a bill over the phone or on the internet, customers are given a confirmation number. This BOA practice exploits account-holders. I have categorized this complaint as an unauthorized withdrawal within your category ' Deposits and withdrawals ' since you do n't have a category for 'service charges. '

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 2022-05-18
Company: TRANSWORLD SYSTEMS INC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A debt for collection on behalf of a XXXX XXXX  company was posted on my credit report. This is a fraudulent account. I have never lived in that city. This collection on my report is stopping me from getting a mortgage for my home purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: CASHCALL, INC.
State: AR
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
took out a {$5000.00} cash advance on my bank account 115.00 % rate could not pay the high cost cash advances is not legal in the state of Arkansas XXXX is reporting these accounts for cash call XXXX XXXX collections

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 2022-05-18
Company: Avant Holding Company, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/22 I noticed a hard inquiry on my credit report from Avant bank. I did not request to open any account with them. I called Avant and told them the situation and they said an affidavit would come via email from their fraud department. The email never came and I have tried contacting them via phone and they just keep hanging up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: MRS BPO, LLC
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I contacted XXXX XXXX to pay off a charged-off account, I was told they no longer had the account and to contact MRS and associates. I called them immediately and told them I would like to settle the debt and be done with it, the phone rep said we can settle your account for XXXX and will send you a letter in the mail that the account has been settled and closed. She co-erced me to give her my debit card info because she said it would only take two days to process and would be the quickest route, which was a red flag and should have known that she was a con-artist then, I gave her my debit card number and she took the money out of my account and then set up recurinng payments without even telling me and the other issue is that they didn't even update the credit bureaus at all! They just took my hard earned money and could not get a person on the phone after that. They are TRASH and should be shut down. I have all the letter correspndance they sent me and will be glad to upload. On XXXX XXXX they updated the account to a derogatory account that's late and don't even know how that is possible because the account was settled but they sent me a letter in the mail that was dated XX/XX/XXXX but mysteriously just got it a week ago. They just took my money and think they can just get away with it. I really don't want to deal with this trash company again, so I would like the account to be updated to {$0.00} which was the original agreement that we made over the phone and the rep knows that was the truth.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
I recently received a copy of my XXXX credit report. The credit report showed an inquiry from Citibank Na., Best B, that I did not authorized. I contact Citibank Na., Best B, and they said they have no knowledge of the inquiry, but it's on my credit report. I also called XXXX to dispute the inquiry and was told they don't dispute inquiries. Please have this inquiry removed from my credit report because it is making it very difficult for me to acquire credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dispute of {$1600.00} on my chase card was initiated by me on XX/XX/XXXX, for the charge that posted on XX/XX/XXXX. The merchant is XXXX XXXX XXXX XXXX  in XXXX XXXX, VA. I disputed it on the fact that services were not performed nor did I receive the services. After several months, Chase informed me in XX/XX/XXXX that they were siding with the merchant. The merchant has provided false information to Chase and I have provided proof that the information and answer by the merchant are lies/false. Chase refuses to understand even with proof that the merchant 's answer is fraudulent. The balance has remained which I will not and will NEVER pay any of this balance. Chase is allowing fraudulent activity by a merchant. There were never any services performed or received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-09
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Date is changed for scheduled bill pay. By hackers inside or outside of the company. The Bank also gives me a difficult time scheduleing electronic payments in bill pay, which should be available to schedule for the next day. They say it will take over 10 days to process.

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 2020-08-09
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have experienced multiple service related issues with my current mortgage holder. They begun with a refinancing process that was completed on XX/XX/2020. 

The refinance was completed with XXXX XXXX XXXX XXXX XXXX Their contact information is : XXXX XXXX XXXX XXXX XXXX XXXX 
NMLS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX The refinance was completed for a loan amount of {$280000.00} which was inclusive of the following : 1. {$6700.00} in closing costs ( including funding of the escrow account ) 2. - {$450.00} in prepaid closing costs 3. {$270000.00} in loan payoff. 

Since at the time of refinancing, the loan balance was {$270000.00} and the loan payoff amount exceeded that, {$1300.00} was applied as principal reduction to borrower. This is indicated as such in section ( K ) of the closing documents. 

Soon after refinancing on XX/XX/2020, the loan was sold to 'NewRez '. The contact information for NewRez is : NewRez LLC NMLS # XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX PA XXXX XXXX NewRez failed to do the following : 1. Apply the first mortgage payment in a timely manner ( the payment in the amount of {$4000.00} was made on XX/XX/2020 but was not credited till XX/XX/2020 ). Thus, the outstanding loan amount that accrued interest was higher for more than 30 days. 
2. Failed to reflect the correct loan balance of {$280000.00} - {$1300.00} XXXX principal reduction as explained above ). 
3. On XX/XX/2020, NewRez failed to make a payment to the homeowner 's insurance provider : XXXX XXXX which resulted in a cancellation of the policy due to non-payment, and subsequent attempts to reinstate the policy have resulted in a rate increase from {$410.00} ( per year ) to {$660.00} ( per year ). 

Several attempts have been made to contact NewRez to resolve these issues and the only notification received thus far is a request for additional time from NewRez to resolve this issue.

NewRez was first approached on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX, NewRez was provided with all relevant documentation : Copy of the check that indicated the loan payment of {$4000.00} referenced above in item ( 1 ), Closing documents that reflected the accurate loan balance, referenced above in item ( 2 ). 

This information was sent again on XX/XX/XXXX at the request of NewRez.

It has now been over 90 days since the first time NewRez were approached to resolve this issue, and yet, no development has occurred. Additionally, I have to reinstate the homeowner 's policy and pay the premium out of pocket in order to maintain coverage.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: EQUIFAX, INC.
State: SC
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 XXXXXXXX  Account # XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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  Account # XXXX XXXX XXXX  XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have XXXX different accounts that I already paid in full in order to be removed from my credit report and the account still shows in my credit report as a cero balance. I need those accounts removed from my credit report. now I am trying to buy a house and these accounts that are paid still show as a negative item.

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 2016-03-20
Company: CASHCALL, INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I was contacted at my workplace by XXXX XXXX Attorney XXXX XXXX on XXXX XXXX, XXXX. When I spoke with this employee she stated she was collecting a debt from Cashcall, and would like to no what are my intention of taking care of this matter. I explain my circumstances preventing me from continuing my payments. This employee begun to make threats of legal action of garnishing all my wages where I would have no money.She stated I owed {$5000.00} then {$11000.00} During the conversation I requested for validation of this debt she stated it was sent which I explain I did not recieve it.. I asked where they were located, XXXX County Ca and was told she had the right to sue then she continue to get hostile and hung up. I immediately called Cashcall and spoke with XXXX was told my account balance at that time was a payment for {$120.00} had posted on XXXX/XXXX/XXXX another payment XXXX/XXXX/XXXX {$910.00} the orginial loan amount was {$2500.00}, {$1100.00} was returned. XXXX explained that my account had a principial amount of XXXX and interest XXXX and they had sold my account to XXXX XXXX XXXX/XXXX/XXXX. I question their identity and request them to cease contact at my workplace. I have research them through the XXXX and found they have had numerous compliants.

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 2021-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had two accounts with Capital One that I have had for years. Each account balance is paid in full every month, but I don't often use them. Usually owe nothing. On XX/XX/2021, I closed both of these accounts. One account had a balance of {$100.00} and the other card had a balance of {$34.00}. I immediately paid both balances and asked for my rewards to be paid out as cash. 

Three days after closing my accounts I received a bill in the mail that I owed {$100.00} on the one account. In the interim, I also received an email from Capital One stating that the accounts were closed and I still owed balances as stated above. I immediately called and paid the both bills over the phone. My bank deducted these amounts TWICE, once on XX/XX/XXXX and again on XX/XX/XXXX. 

I called Capital One and who confirmed that YES both accounts had been paid in full, twice. They now owe me {$100.00} and {$34.00}. I was told I would be receiving a refund. 

I am now receiving DAILY emails from Capital One that my account payment is late and I owe this money, yet again. I again contacted Capital One and was assured this was their error but I will continue receiving dunning notices. 

Please investigate. They are ruining my credit. 

Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: Choice Recovery, Inc.
State: GA
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:
Was making payments when i went the office after see by doctor. Never gave me receipts. Paycash .now there lawyer put it in collections ruding my credit score.please help to take care of this problem .eye doctor. Oh by the way had to find another doctor after my XXXX  XXXX. Wish was hard to do stressful.

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