BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
After finally receiving money from CA EDD, now bank of America EDD account won't allow us to transfer all of the money out to our account. They cap it at $ XXXXweek. We called and got transferred to 4 different people with different instructions and policies. The 4th manager said he remembers a form that we can fill out to transfer all the money out at once, but can not find the form. He recommended that we just send out {$5000.00} a week. We couldn't believe it so called back again with a different representative telling us that there's no such exception with the transfers unless we go to the physical location and they can do it. We spent 30 minutes in line at the bank just to be told that there's a cap of $ XXXXweek when we do it at the physical location. We got so frustrated and filed a complaint with " Consumer Financial Protection Bureau ''. The representative contacted us after a couple days, got the story and said she would email us. It's been 4 days and we called twice to follow up with no return phone calls and no email nor resolution. Our money is still stuck with Bank of America. This is madness that after the state screws up and delays, then it's the bank 's turn to hold our money hostage during this whole pandemic. We are forced to use Bank of America through EDD and it's not a choice. EDD automatically transfers the money and provide us with a debit card with this bank of America. Not sure why they don't just allow us to do direct deposit into our personal accounts. I am also concerned of keeping my money in the Bank of America EDD account for long as the news have been reporting a lot more theft associated with these accounts. I also don't want to be providing a 0 % loan to bank of America. Whenever we do something late there's always charges associated, but when the bank screws up the consumers also pay the price. This incompetence and callousness has to stop. I need resolution ASAP and not in a month due to the bank 's incompetence.

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 2020-12-24
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have made several attempts to pay off my HELOC with OCWEN now PHH mortgage. Each time they have returned the payment without explanation. When I call to speak to a CSR they have to research just what is going on. On this last call they stated they never received the payoff yet I have confirmation of the wire transfer and according to the CSR, the account information was correct. I am tired to sending repeat payments to OCWN PHH mortgage and the extra expenses occurred on my end of doing such. I have now sent the 3rd payoff per the CSR in the hope it is excepted. I would think that PHH would reach out and call me to correct this situation. Just seems like a bunch of nonsense to me and an attempt of PHH to foreclose on a loan that took me 15 years to pay off to its final payment just to have PHH play a game with the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
Original credit card account was opened in XXXX. Last payment on the credit card was made in XXXX. In XXXX, I received notice that they were going to put my house on the sale list to pay off the debt. After working with an attorney we resolved the issue and they took it off the sale list. In XXXX, I went to mediation and met with representative from the collection company and provided all information requested. Since that time we have heard nothing in regard to the debt. On XXXX XXXX, after logging into our online banking saw our XXXX banking accounts were all negative XXXX. We called XXXX XXXX XXXX to resolve the issue and was notified that our accounts were put on hold because they were now to be garnished by the state of texas. No documentation was provided by the debt collector since XXXX. They explained that they tried contacting us in XXXX to an address that we had n't lived at for XXXX years. No phone calls were made and no other certified mail had been sent. Address changes were made each time we moved. He explained that was n't his problem to keep current information, although he had my current phone number and mailing address on file. We are now without any money and XXXX kids in our home. XXXX and other money is all gone. There are no judgments or liens outstanding on us.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card
Issue: Late fee

Complaint:
I have a business credit card with Wells Fargo bank. XXXX this year they have held my payment until it was past due and then charged me a late fee and finance charges. The statements in question were due on XXXX/XXXX/2015 and paid on XXXX/XXXX/2015 and XXXX/XXXX/2015 and paid on XXXX/XXXX/2015. On both occasions I called and complained because it appears the payment I make are being held until the XXXX of each month, before they process them and I am told on XXXX occasions that is when they were received. I live in XXXX and the processing for Wells Fargo is in XXXX XXXX. Mail service generally takes 3 days for delivery between XXXX and the XXXX, yet some how no matter when I send the payment it is not processed until the XXXX of the month. Wells Fargo has denies any wrong doing, but has refunded the late fees, but refuses to refund the finance charges of {$3.00} and {$1.00} from these XXXX incidences. I have had enough of this banks practices and hope your agency will look into these questionable practices. They have told me I could give them access to my checking account so they can make direct withdrawl of funds or I can pay the bill at one of their banks, but they do not recommend sending a check through the mail anymore. I should not have to go out of my way to make these payments because of their practices of holding payment checks until the XXXX of the month even though it was sent in plenty of time before due. I have XXXX accounts with Wells Fargo and I am going to seriously consider changing banks after 20 years of banking with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
For some time now I have tried to find out I keep getting billed for a XXXX panel done XXXX/XXXX/15. XXXX denied the billing as not medically indicated. I have asked that the coding under which it was billed be checked to make sure it was correctly coded and the doctor be contacted to verify that she ordered the test as medically necessary. I have had many conversations about this by phone and email with the billing department and they assured me that it would be looked into and they would know more in XXXX weeks. Today I was surprised to receive in the mail a bill from a collection agency XXXX USCB America XXXX indicating that the account was turned over to them as delinquent. Seems to me that you are not treating me fairly as on one hand your are supposed to be addressing my concerns while on the other you go behind my back and treat the account as delinquent. Please note that I have complete insurance coverage with Medicare and Tricare for Life and usually do not have any medical payments as Tricare for Life pays any charges left after Medicare. I have been told that I signed a form indicating I would pay for the procedure if Medicare did n't, however the form also indicated thatthe estimated cost would be zero [ {$0.00} ] which was the only reason I signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: Netspend Corporation
State: MS
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Unauthorized transactions/trans. issues

Complaint:
I purchased a card on XXXX/XXXX/15 at XXXX 's XXXX in XXXX, XXXX . I was charged a {$4.00} fee for the card. I called to activate the card shortly after the purchase. I was charged an additional {$4.00} monthly service fee for the card. I was confused as to why I was being assessed {$9.00} for a card that I have not charged anything to for my benefit. This is an egregious charge that has been assessed to me. I requested a refund of my money which will take 10 business days. As a consumer, I do not understand how they can justify 2 charges for the same service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I believe I have XXXX loans from XXXX and would like to know if they were included in the CFPB settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Revco Management, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX has sent a debt You will need to contact the third-party agency, CBCS, by calling ( XXXX ) XXXX to determine eligibility for a settlement on the account. Who put an acronym before typing out what it means? That's what XXXX has done I don't know who this company is that I have to reason with to resolve any dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-21
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Equifax is a insanely incompetent company and should not be trusted with consumers personal information, not to mention data that so dramatically affects peoples lives. How many data breaches have they had? 
Aside from having inaccurate information on my credit file, I have been unable to access my account on my equifax.com for over 3-weeks. I have called multiple times and spend countless hours on hold and speaking with equifax representatives. I have a paid equifax credit monitoring account that has been locked and no one can tell me why. All the information I receive from equifax representatives turns out to be false. In addition equifax clerkly outsources there call center to another country, so a non-US citizen has access to my personal credit data. There business operations are unacceptable and they need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: National Enterprise Systems, Inc.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
The company is National Enterprise Systems not ( XXXX ) but they may be affiliated together. This is for a private loan payment. The reason they are calling me is to find out when I 'm going to make the next payment and that 's fine but I do n't need them calling me 6 to 8 times a day. Meaning, when they call me they will leave a message sometimes then wait a few minutes and call right back. Like back to back. This is excessive and I do n't need them calling me that many times a day because they need a answer. Please make them stop calling me 6 to 8 times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I collect my salary under the XXXXXXXX XXXX 3 months ago I made a transfer to Coinbase to buy XXXX, make transactions and then withdraw my money to another account. 
This month XX/XX/2022 the company informs me that my account has remained restricted and does not let me operate, it does not give me any warning or excuse as to why they made this decision. When I contact Coinbase support, they don't give me an answer, they just tell me that they don't support the country I'm in ( XXXX ), but until last month, I could operate normally. 
So, they have withheld my money, saying that I can only convert it within the platform, but not take it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
State: GA
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:
n accordance with the Fair Credit Reporting act XXXX Account # 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt These are the accounts that are in violation XXXX  ACC # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX  # 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 2016-10-01
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I co-signed for XXXX private student loans ( XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank ) for my son to complete his XXXX degree. After XXXX when he conducted the consolidation & promissory note application via phone with AES, he asked to have all XXXX ( XXXX federal & XXXX private ) of his student loans consolidated. He was informed the private student loans could not be consolidated with the federal loans because it was against federal regulations. After approximately 6 months or so, we realized AES had consolidated all XXXX loans into my son 's XXXX consolidated federal loan. He was getting 1 monthly billing statement for all XXXX loans with XXXX account number, only. As co-signer, I was concerned because it was impossible to distinguish how the private loans were being paid as it was an " all or none '' payment situation. I was also concerned because I knew the private loans were not as flexible as the federal loans and could go into default much quicker. When we informed AES of its error & asked them to separate the XXXX private student loans from the federal, AES said it would look into. After months of no resolution & my son 's monthly phone calls to AES to correct this mistake, my son demanded AES correct the error. The very next month, AES placed the XXXX private student loans into default. We were shocked & dismayed because my son was in monthly phone contact with AES to monitor the account. There was never any mention of the XXXX private loans facing default. Now my son & I are being sued by National Collegiate Student Loan Trust ( NCLST ) for the original loan amounts plus interest ( about ( $ XXXX ). However, we have never ceased making monthly payments to his XXXX federal student loan account which is the same account number as the XXXX private student loans ( because AES consolidated them with the federal student loans ). As proof, my son 's credit report states his XXXX consolidated federal student loan status is " Current ; Paid or Paying as Agreed ''. My son 's credit report also shows the same account number for the federal loans as my credit report shows for the private loans. Finally, what concerns me most is my credit report states the status of the XXXX defaulted private student loans as " AES filed claim with the government ''. These XXXX loans are from private lending institutions and AES sent confirmation to me that the " Guarantor '' reimbursed the private lenders for the XXXX private student loans after AES forced the loans into default. I 'm concerned that the lenders were ALSO paid by the government. When I called & spoke to a Federal Ombudsman, I was informed that in no way should AES have filed a claim with the government for XXXX private student loans. Now XXXX is suing me & my son. They are attempting to get triple payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Nelnet, Inc.
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
In 2007 I was really struggling with money, I could barely afford to feed myself and skipped a lot of meals. I called my student loan provider nelnet/ firstmark services to tell them I was struggling with my payments. A forebearance was suggested and no one told me that my loans would be gaining interest while they were not in re payment. I left them on forebearance for a year. When I went back into repayment, my balance had increased by {$10000.00}. I had no idea this was going to happen, I certainly would have started repayments much sooner if I knew I would increase my amount owed by so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I signed up for the British Airways Visa credit card from Chase Bank under a XXXX British XXXX points sign up promotion. Here are the details of the promotion : XXXX XXXX after spending {$2000.00} in the first 3 months XXXX XXXX after spending {$10000.00} in the first year XXXX XXXX after spending an additional {$10000.00} XXXX : XXXX XXXX after spending {$20000.00} in the first year I spent over $ 20XXXX on the credit card within the first 3 months of opening the card. I was only given XXXX XXXX instead of XXXX XXXX as the promotion stated. I called Chase and they claim that I signed up for the card under a different sign up channel that was only XXXX XXXX and the first year annual fee waived. This is incorrect - I signed up under the correct channel under the XXXX XXXX promotion. Chase can not provide any proof that I signed up under the wrong channel and I also informed that at the time of sign up the XXXX XXXX promotion was a current and public sign up offer and the ONLY offer at the time. Therefore, even if I wanted to sign up for the XXXX offer that Chase is claiming that I signed up for which was during the months of XX/XX/XXXX 2015 I could not. I spent over $ 20k on the Chase card based on the public promotion that was also the only sign up option at the time of sign up. 
In addition, if you XXXX XXXX British Airways Chase promotion - there are multiple websites stating this public promotion. 
When I requested Chase to provide proof that I signed up under the wrong channel they could not provide it. 
I also closed the account based on the false information that they provided me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a new account but had an account with husband teller knew and i gave her XXXX coupon for opening bank she said I can use now everyone is having a problem giving it to me now.It was promised to me and I never received

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
The fraudulent acts of deception must stop ... The company ( The CBE Group , Inc. ) Is now a party of the deception an have violated the law. I from on my credit report a false statement for {$150000.00} as a past due balance .... XXXX is liable for the {$250000.00} in damage s as of ( XXXX/XXXX/2016 ) and company listed for collusion of Criminal Conspiracy scheme.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: EQUIFAX, 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:
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, then date last active is inaccurate, and date last report is not accurate, This ground for removal they also violated my rights under 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 that a consumer reporting agency can not furnish an account without my written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: EQUIFAX, INC.
State: HI
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:
XXXX XXXXXXXX XXXX  and US DEPT of ED has fraudulent accounts on my credit profile that need to be removed immediately XXXX XXXX XXXX  acct # XXXX US Dept of Ed acct # XXXX this is on twice

Company response to consumer: Closed with explanation