BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, my wife sent me {$350.00} through XXXX from her XXXX XXXX account. Usually I get it a few seconds later but in this occasion nothing. The money came out of her account and the status shows sent. I wait a couple of hours and wrote to USAA and was told systems were down and it would post that day. Couple of hours later I see the payment is added the reversed out of my account. I speak to USAA again and told that they did not send the money back, it was pulled by XXXX and have my wife contact her bank. XXXX XXXX   confirms that the money was sent and received by USAA ; they did not pull back the money. I contacted USAA again and was first told that they cant do anything and they cant see the reason why it was reversed and it was probably an error or pulled from XXXX XXXX but then I told them her bank confirmed they did not reverse it, the USAA rep gave me another excuse saying they are experiencing system issues. That is how I know they are lying and now I dont have my {$350.00} in my account and it definitely isnt in my wifes. This is called stealing because it just disappeared. No notification or supposed knowledge from my bank on its whereabouts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I live in XXXX XXXX XXXX, Florida. My property taxes are due in XXXX with a discount. Each month not paid the tax bill increases. My taxes were not paid by my Lender. I 've been with them for the last couple of years. They have it documented that the taxes should be paid from my escrow account in XXXX. I '' ve been calling, emailing, and faxing for the last 10 days with no luck. 
I 'm trying to do an FHA Streamline and this is causing me grief with my closing. My Taxes are DUE And Payable in XXXX. I ca n't get an answer out of anyone at my lender why the taxes are not being paid. As of today, since they are late, I have lost {$33.00} for the XXXX Discount. If not Paid in XXXX, another {$33.00} will be accrued to the payment. And so forth. I do n't understand what the problem is? And if the lender has done this with others, I want this investigated, is there a Solvency problem with our Escrow Accounts??

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: U.S. BANCORP
State: KY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I keep asking this question & it 's not getting answered. As basic as I can put it, what criteria specifically allowed my Reserve Line to stay open during XX/XX/XXXX-XX/XX/XXXX 's periodic reviews of creditworthiness compared to now? I 've the received the notice from US Bank about this decision to close my Reserve Line, but none of the reasons stated for this closure are true. Again, during XX/XX/XXXX-XX/XX/XXXX my credit score dropped to a XXXX, I had no other available credit, & I was consistently maxed out on my Reserve Line usage, & every payment I owed was over 90 days late or being charged off. In the past year my debt to income ratio has improved, my available credit has increased, & my credit score has increased over XXXX points, & all payments are on time. Suddenly my Reserve Line is deceptively closed when I 'm no longer using it, & with false reasons stated for the closure. US Bank can not clarify why this happened or explain the justification behind this decision in comparison to the decision to leave it open for the previous 5 years when I was an admittedly horrible candidate for credit. I 've read the disclosures but do not explain the inconsistency of this decision..

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 2016-03-21
Company: Frederick J. Hanna & Associates, P.C. (closed)
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I had a XXXX XXXX credit card. I had unexpected medical bills so I called all the credit card companies to see if they work with me in interest rate and lower payments. XXXX XXXX agreed to let me pay {$50.00} a month. They never sent a statement after that and drafted the money out of my account every month probable over a year. Then a couple of months there was nothing. The next thing a policeman shows up at my door serving me papers where they had turned it over to Hannah and Associates. I did n't want to go to court so I set up payments with Hannah and Assoc. I do n't if that is what I owe them. I never received a letter from XXXX XXXX saying they were turning my account over. Never received statement from XXXX XXXX and never received anything from Hannah and Associates as proof that I owed the amount they said I owed. I have been paying them for well over a year and now I get a letter saying to mail my payment to XXXX XXXX XXXX attorney at law. Do I need to request that they send proof of the amount they say I owe. I do not feel like I owe that much and why would attorney turn it over to another attorney. I feel like they are scamming me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
A few months ago, I noticed that my current mortgage company, Carrington Mortgage Services LLC, tried to deduct funds from the wrong account ( savings instead of checking ). As soon as I found this, I tried to contact them multiple times to correct this error. They refuse to respond to my E-mails or return my calls. I 've made every attempt to resolve these issues with them but they refuse contact me or work with me in any way. My online payment option has been disabled and they wo n't accept any form of digital payment ( over the phone or otherwise ). Currently, they are forcing me to send them cashiers checks via mail. This is a big problem for me since I have a job in which I may be away from home ( and my bank ) for several weeks at a time. I recently tried to refinance my mortgage through another company to get away from them. However, they reported that I made my payments late to the credit bureau and I was n't able to get my loan approved ( all delays were caused by the mortgage company ). I have copies of my past E-mails where I attempted to contact them and bank statements showing that I 've always had more than sufficient funds to make my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: LoanCare, LLC
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I switched homeowner insurance companies in the middle of my policy. My servicer, LoanCare, refused to cut a check to the insurance company for the amount of my new premium because they claimed it " was n't their policy to submit XXXX checks to insurance companies within 12 months. '' I spent over an hour and a half arguing with different people in different departments and was told someone would call me back. Because of LoanCare 's gross negligence, my insurance payment is now 24 days late as of XXXX/XXXX/2016.

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 2015-10-21
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo furnished inaccurate and damaging information to multiple credit bureaus. Their action has caused our family to be denied credit in a recent attempt to secure an auto loan. Wells Fargo stated we were late on a mortgage payment when the loan was paid off in full. They were fully aware that we were refinancing and provided a payoff letter including final balance and payoff date, then turned around and sent derogatory information out about us. We always paid the mortgage on time and in many cases paid in additional amounts. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Placed a temporary credit freeze with Equifax after their XX/XX/XXXX data breach, on XX/XX/XXXX. Now I am trying to unfreeze my credit ( XX/XX/XXXX ) so we can apply for a home mortgage and other credit and we are unable to get through to them to lift it. Their automated phone freeze line is faulty and inoperative and so is their automated website freeze feature. I have been calling with no success either. This is a huge problem and was supposed to be an easy process. i have been reading XXXX posts, and other comments on various websites about many other people who are still experiencing similar issues well into XX/XX/XXXX. How is this not fixed yet? 

I feel like I am being taken advantage of and punished for something that is not my fault. Equifax gets hacked and our personal data stolen, and now I continue to pay the price and can't even lift a simple credit freeze so i can live my life. 

Once I can finally get through to them or lift the freeze I am tempted to cancel the freeze altogether. This has been such a frustrating, painstaking, and miserable experience that I can't even imagine trying to go through the freeze/unfreeze process again. 

How is it that they mess up, and they aren't held accountable? Consumers are still paying the price. The CFPB needs to hold Equifax accountable and ensure that their phones, websites, and staffing are sufficient and adequate to handle the vast number of American consumers affected by this scandal. What good is a credit freeze if you can't ever lift it when a life circumstance warrants it?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: TD BANK US HOLDING COMPANY
State: ME
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
While conducting online banking within TD Bank website, I attempted to make payment in full on my TD XXXX credit card by transferring funds from checking to CC account. Somehow the transaction of {$920.00} was processed XXXX times. After Four Weeks I recieved a message that my checking account was low in funds and I transferred {$4000.00} the same day. Also I checked the accounts and found these XXXX extra transfers totaling over 2700. I contacted TD bank online and in person at a branch office. The manage informed that the problem would be resolved ASAP .. Now it is week later and I returned to the same TD branch and the Manager contacted the cc department and was informed XXXX to XXXX additional days for a refund to be transferred This is unreasonable to wait so long for my money and to deal with a computer glitch.. Can you help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-27
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card
Issue: Other

Complaint:
I wrote a letter to Target asking the company to provide me proof of my written signature. They in turn sent me a bill. Under the FDCPA Laws and the FCRA laws it is required that they can furnish me written proof of my signature validating that this debt is in fact mine, by them sending me a bill in the mail does not comply with my written request. They are violating my rights and the law by not furnishing me this information. I am to believe that because they chose to send me a bill instead that they can not provide me this information therefore they must cease collections and remove the debt from my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-10
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I spoke to chase visa amazon rewards card 4 times on XX/XX/2019 regarding a purchase I authorized and which was being declined. I was assured at least 2 times through 2 different card representatives that my card would approve the purchase and would be monitored to make sure purchase would go through. It did not. Later that date my card was declined while I was dining out. Now, all my automatic payments set up on that card are being declined. I was told that the card would remain active - why was it deactivated without my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-07
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
TD bank is charging multiple overdraft fees totaling to {$170.00}. The bank account never went negative on there balance transaction sheets. I do n't see how this legal. I have attached a pdf of the account. I need this to be resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-17
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card
Issue: Payoff process

Complaint:
I have been working since XXXX 2016 to get a item removed Target XXXX Bankaccount # XXXX was paid to XXXX, all of the items have been removed from my XXXX bureau except this team. i call Target they transfer me to XXXX, I have been told multiple times this should not be on my credit and that a electronic submission has been sent, Please help me resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2015, I called a company to order flowers named " XXXX '', using my TD Bank debit card. This company signed me up for a monthly club without my consent or even asking me. Since then, I have been getting a charge of {$9.00} a month on my TD Bank account. I cancelled my debit card in XX/XX/XXXX, but somehow the company found a way to keep charging my account. This is tantamount to fraud. 
I have been trying to work with TD Bank since XX/XX/XXXX to dispute these monthly charges on my account, but they have frustrated me at every turn. First they said they would not investigate until I provided a " membership agreement ''. I obviously did not have one, as I never signed up for anything. In the last attempt, I wrote to the home office. They sent me a letter saying that they checked their records, and everything seemed fine, but they would dispute it with the merchant if I responded to their letter with additional information. I responded with this information the day I received the letter. When I called to inquire on the status in XX/XX/XXXX, I was informed that they closed the investigation because I did n't respond quickly enough! Then in early XX/XX/XXXX, I wrote another letter to the home office to complain. In it, I requested they perform an actual, real investigation of these fraudulent charges, and that they close the account. They have not responded to this letter at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-08
Company: The CBE Group, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I had informed CBE with each call that the person who they were calling was not at that number but they failed to update their records. The calls were approximately once a week and very disruptive. Their auto-dialing tactics should be prevented from these harassing phone calls when they have incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
We sent a payment to the wrong vendor {$2600.00} Dated XXXX/XXXX/2015 Check # XXXXBank of AmericaXXXX XXXX XXXX Tx XXXXBank of America did cash the check on XXXX/XXXX/2015. After contacting Bank of America they promised to look into and do all they could to refund us our money. After numerous attempt they would not follow up with us and would not refund us our money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
After XXXX years of banking with Bank of America and being a GOOD customer, i made XXXX mistake and now they are treating me like a CRIMINAL! I am NOT a criminal, i have a good hard working american and deserve to be giving a XXXX chance for this dumb mistake. I have had problems getting good jobs, when i have GREAT work history and experience becuase of Bank of America putting me on XXXX and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-28
Company: Navient Solutions, LLC.
State: NM
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Navient is calling me 5-7 times a day at all hours of the day. They have offered me repayment terms and then changed them the next day. They have called me at work after both the owner and I have told them not to call at work. I have told them to stop using at auto dealer yet the calls persist

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Payment was made XXXX XXXX, 2015 on Bank of America mortgage account # XXXX in the amount of {$1600.00} XXXX for a regular payment due of {$1500.00} + an additional principal payment of {$86.00} XXXX, well within the 16 day grace period where a late fee is not charged. That payment cleared my checking account with XXXX XXXX XXXX XXXX XXXX on XXXX XXXX. 

However, reviewing my Bank of America mortgage statement for Bank of America mortgage account # XXXX, my {$1600.00} payment is noted as " {$1500.00} payment posted '', a {$67.00} late fee was charged, the additional principal of {$86.00} was not noted, and my account was charged for XXXX property inspection fees of {$15.00} and {$3.00}. Why was I charged a late fee when my payment, for more than the regular monthly payment was made well within the grace period, and why was I charged those XXXX property inspection fees? 

This appears to be more of the same bad behavior Bank of America has become well known for, settling more than XXXX class action lawsuit, paying a huge penalty to settle each lawsuit. Please see the attachment showing the XXXX XXXX, 2015 {$1600.00} withdrawal from my checking account with XXXX XXXX XXXX XXXX XXXX " Bank of America/TYPE : Mortgage Co ; Bank of America ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-31
Company: Medical Business Bureau
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently pulled my credit report and this company has reported that I owe them a debt. I never received a letter from them informing me that I owe the debt. I have never gave this company permission to access my medical records. I was not afforded my rights under the FDCPA section 809a

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I had co-signed for my brother 's student loan at XXXX XXXX XXXX XXXX around XXXX. 

Around XXXX, I had filed for personal bankruptcy and noticed a XXXX loan was also in existence that I was a cosigner for from XXXX. I contacted XXXX XXXX ( not Navient ) to get the paperwork. Other than my name and social security number, the other information on the application/note is not mine. It has an incorrect, and out of state, phone number and I did not sign it. They use electronic signatures via email. The email address they have for this note is clearly not mine. I have contacted them several times and even wrote letters to them and the credit bureaus disputing this to no avail. They claim that even though it has an incorrect email address that 's not mine, the social security number matches and therefore it is a legitimate. I am not contesting the validity of the debt, just the validity of my attachment to it. They refuse to work with me, they refuse to acknowledge their own lack of due diligence and they refuse to even work with the payments to even make it manageable so I can avoid negative credit reporting and late payments while this is sorted out. 
I can not afford this nor can I afford an attorney for legal action against them and the school for allowing this to happen. 

I do not know my options or recourse.

Company response to consumer: Closed with explanation