BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-26
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Once again it seems like these online banks are unregulated or at different standards. I had lost XXXX through XXXX XXXX it took me nine months to get my money back and because I made this complaint they paid me extra money. 
Now I have time I had approximately {$1000.00} in the account because I upgraded my phone it was very challenging to get back into the account. I did not have access for the last five or six weeks I did not need access to my money as I'm financially stable. Unfortunately not everyone in America is like this. I seen an alert yesterday XX/XX/XXXX for a {$10.00} transaction at a gas station. I did not think anything of it but it made me spend an hour and a half gaining access to my account as my email has never changed it was that difficult to gain access without a call center. When I left work today I logged into the account and recognized and realize that every dollar was missing from my account and a total of almost 15 transactions in a 24-hour period. I have never spent a dollar I have never used the debit card I have only transferred money to my XXXX XXXX XXXXXXXX checking account. So how is it that my card was used to make purchases all around the state of Michigan. There must be an internal breach employee theft of information or not enough oversight. As I called to dispute the transaction they had told me that the transactions were pending they were not able to do anything. What if I was poor what if my kids needed money to eat food. It was a lie as there were some transactions that were already confirmed that were done yesterday morning they were not willing to dispute a few transactions understanding there was 15 they let me go and said I needed to call back when all the transactions were completed. I asked the overshore call center for the employee ID number or the call center location because I'm truly concerned for other Americans and the possibility of a data breach. When I asked the second time for the employees ID or the location of the call center the employee went mute I had said ma'am I'm recording this conversation I am contacting the federal government to make a complaint after this I'm only asking to provide facts to the government and she hung up on me. How could you be so disrespected in the United States how could this happen again to the two largest online banking companies. So now I have access to my account I have no money and it's going to take days multiple phone calls to get access to this money it's not fair it's not right you guys need to look into this to find out if there was a larger scale data breach I have never used a chime card to purchase anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: U.S. BANCORP
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Follow up to CFPB Complaint XXXX US Bank made a response however they still can not provide wet ink documents showing that when the loan began that I would be charged {$5.00} per payment made after the 3rd day of the month using the USBANK website to make payments. 

This is a violation of Regulatory Violation of the Responsible Servicing Regulation. US Bank failed to provide me with all charges that are associated with making payments via the online US BANK website when the loan was orginated. Nothing in my documents that I recieved from US BANK at the loan orgianation indicated that I would be charged {$5.00} per month for payments made after the 3rd of the month. 

US Bank states that the fee is only happens if I make the payment after the 3rd of the month or if I don't use a US BANK branch or have a checking account w/US Bank to make the payment. However regardless to what is now verbally stated at no time did US BANK disclose this fee at the loan origanation. 

Futhermore, when I contacted US BANK for a status update on XX/XX/19 I was advised fist by Phone agent XXXX that the bank refunded were for Internet Fee 's for 4 months, however the letter from US BANK dated XX/XX/19 states the refund or reimbursement amount is for Stop Payment and/or OVerdraft Fee 's which I incurred. This of course is false and was never an issue. XXXX transfered me to XXXX XXXX who stated the same as XXXX, I was then transfered to a Supervisor who spoke to me and was adamit the remibursement was for the above stated reason. Finally the supervisor transfered me to XXXX in Customer Advocey ( XXXX ). 

XXXX stated the reimbursement dated XX/XX/19 was for in fact the reason listed above and NOT internet charge fee 's for month 's as XXXX stated in her response letter. She said that on XX/XX/19 no further information was ready from Customer Advocey and that I would respond later.

Clearly this shows that US BANK is well organized hence these erroneous charges of {$5.00} to make an online payment need to be refunded. As stated in my orginal complaint I am seeking 100 % reimbursement of these fee 's since the inception of my first online payment to US BANK. As well interest and the cost of my lost time dealing with this issue.

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 2023-11-26
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I placed an online order on XX/XX/2023 for the amount of {$110.00} and paid through PayPal. On XX/XX/2023, I received an email from the company that I made the purchase with stating that they were not able to access their PayPal account and therefore could not process the order. They suggested that I attempt to get a refund through PayPal and re-order through a different process. 

I went through the refund process via PayPal 's dispute process and they denied my refund. I attempted the dispute twice and both times it was denied. I need to get my money back. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2022 I went to the Bank of America ATM at XXXX XXXX XXXX XXXX, Ca.. I made a cash deposit as I always do, in the amount of {$1000.00}. The ATM could not process the transaction and a message on the screen said there was a problem with the machine. I took a photo of that message. When I hit " continue '' it only recorded {$300.00} of my {$1000.00}! It was a holiday weekend and I could not reach anyone by phone until the following day. They gave me a temporary reversal of {$780.00} but today they took the money back!! This is MY money! How can this be corrected??

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
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: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2022-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Open a credit card with Bank of America. When I close my account it was paid in full. 3months later I check my credit score said it had a 90 day late charge from Bank of America XXXX I call and try to resolve it but Bank of America still left the charge on my credit score

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 2023-11-26
Company: Mr. Cooper Group Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Lien release

Complaint:
XX/XX/XXXX  - Mortgage being held by Mr. Cooper paid off. This is reflected on my login on the online website. Inquired when a lien release form would be mailed to me through instant chat on the website and was initially told that within 30 days I should receive that form. They instructed to call or chat with them if I had not received it within 30 days. 

XX/XX/XXXX  - I have not received the lien release form so I messaged Mr. Cooper through the website. Note, when I call the company, I am never able to get a real person. The phone call directs me to use instant chat on the website and hangs up. On my website login, there is no option to instant chat anymore. It has disappeared. Thus, I have no ability to communicate with a live person at Mr. Cooper about this issue. 

XX/XX/XXXX  - Mr. Cooper responds to my message and now states that lien release will be sent 60-90 days after mortgage payoff. 

XX/XX/23 to present day - Called Mr. Cooper multiple times attempting various phone calls to get accurate information about the lien release as I have been told two different timetables. On the phone, the automated recording now states that lien release forms are available within 3 to 9 months. 

The issue is that I have been told 3 drastically different timetables for receiving a lien release form. The most recent statement on the automated recording stating 3-9 months sounds excessively slow. I am unable to even communicate with a live person at Mr. Cooper and so am escalating this with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: KEYCORP
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Due to a clerical error with coding my Social Security XXXX check stop coming in from XXXX to XXXX. I was unable to make timely payments on my Key Bank Credit Card. Key Bank called and harassed me with about 6 calls a day. When I finally got the back pay from Social Security I made two payments on my credit card ending in XXXX. The first payment was XX/XX/XXXX for {$440.00} which was the full past due amount. Then on XX/XX/XXXX I paid the card off and made a payment of {$1800.00}. I had previously had fraudulent charges on the account and had asked for it to be closed. They said they could not until it was paid off. This was about a year ago. I forgot all about that when paying this card off and stupidly gave them every dime I had to pay this off thinking I could use it again. 
So I paid the card off and then BOOM they immediately closed the card leaving me with nothing. Then to make matters worse they lied to the credit bureaus and made false claims when I disputed the amount owed on the card. I filed a dispute because I paid off the card. After the dispute was over they lied again and never updated or corrected that I had paid the card off. I also called Key Bank to reopen the card several times and they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
Sunday XX/XX/XXXX, portfolio recovery ( XXXX ) left XXXX harassing voice messages while someone is attacking my internet. They called at XXXX left a XXXX sec message. They called twice at XXXX leaving a XXXX sec message. They called at XXXX leaving a XXXX sec message. They called at XXXX leaving a XXXX second message. The debt is from multi million dollar company XXXX XXXX. The debt is over 10 years old. Im unemployed and cant pay them. Im getting attacked by someone online and keep complaining to the fbi while Im being ignored. I cant even get a job to pay for my XXXX XXXX dollar XXXX XXXX 

I have XXXX  and portfolio recovery needs to back off. XXXX call is sufficient enough.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
In XX/XX/2022 I filed for a forebearance while I was on XXXX XXXX XXXXXXXX. I then in XXXX applied for a loan modification and was accepted to have a partial claim. However, I have two out of state coborrowers ( my parents ) and have been sent the loan modification documents multiple times which has led to multiple documents being rejected or no accepted with no explanation. I even flew to Wyoming where the coborrowers reside to notorize these documents in person. These documents were also not accepted with no explanation. Since XXXX I have been paying my mortgage but those payments have been put into a suspense account. I have recently been sent these documents and they have not been accepted again! I can not get an agent who knows why. I have been placed on hold for hours and I have been given the run around while my mortgage has been in limbo for almost a year! I can not refinance or do anything with out this loan modification being complete. My father is a XXXX veteran who is not allowed to travel to sign these papers where I reside in Arizona. I am running out of options and have had multiple housing counselors try to get to the bottom of this issue but the third party authorizations need to be a wet signature so they arent able to get far. I just want to continue making my mortgage payments and never have to worry about if im going to get foreclosed on. This company is not helpful or knowledgeable and customer service is non existent. Their website is horrendous and confusing and Im doing my part by continuing to get these documents notarized and having my XXXX XXXXXXXX parents get these documents notarized as well. It is very frustrating that I can not get my loan in good standing when I am still making my monthly payments on time.

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 2023-11-07
Company: ADP Inc.
State: NJ
Product: Prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2023 I went to a local XXXX in XXXX XXXX and attempted to take out XXXX from the ATM. The ATM did not dispersed the funds so I contacted XXXX XXXX to inform them of what happened as that was the institution that was printed on the ATM. Subsequently, I was advised to contact my bank which I contacted the Wisely company. They are the payroll company that handles my checking. They stated that XXXX had to do an investigation and advised me to contact them. In addition, they stated they would put in paperwork and send to XXXX XXXX. At the time they did not have any established dates for resolution. Since the XXXX, I have called Wisely and XXXX. They are literally pointing the finger at each other regarding resolution and investigation. Wisely stated that they have until XX/XX/XXXX. As I advised both institutions I needed my funding and if I had stolen XXXX then I would be in jail right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/20, I called BBVA to dispute XXXX XXXX in XXXX {$200.00} or so. XXXX, I called BBVA to report I received {$150.00} from XXXX XXXX and they still owe me {$58.00}. I asked the BBVA fraud rep. what has BBVA done yet? He said they are checking on it. I asked did BBVA write XXXX a letter or call? He had no answer and said it could take up to 90 days. I told him that is rediculous. 
BBVA hasn't even contacted XXXX XXXX. This is consumer fraud by BBVA. I want my {$58.00} back now. There is no law banks get 90 days to do a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
They claimed to be from XXXX  XXXX XXXX fraud detection and said an account had been opened using my information and was making zelle transactions from my account and I had to enter cancellation codes into the zelle app so I was under the impression that what I was doing would cancel these transactions. They had me go into the zelle app and enter 'cancellation codes ' into the app which ended up just sending the money to XXXX XXXX . I did not authorize any payment as I was under the impression I was cancelling a transaction and they called from the official XXXX  XXXX XXXX number and provided me with personal information that the bank would have access to. I contacted my bank to get it reversed they said there is a good chance they will not be able to reimburse me, this was the associated case number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit 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:
Subject : bait-and-switch scheme RE : XXXX XXXX XXXX  card XXXX XXXX XXXX XXXX Transaction Date : XX/XX/2023 Amount Paid : XXXX Payment Method : Barclay Credit Card I agreed and confirmed that the price for car rental was {$280.00}. ( see attached ) Upon arrival to pick up the car, I was requested to pay an additional {$170.00}. 
I refused to pay, did not take car delivery, and left the office. 

XXXX XXXX XXXX XXXX runs a classic bait-and-switch scheme, especially geared toward XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ). 
Unfortunately, XXXX XXXX XXXX card involved and supports this bait-and-switch scheme and refuses to fix this situation. 
To confirm my view, you can also visit those two sites : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You'll see literally hundreds complains about XXXX XXXX XXXX and XXXX XXXX XXXX Regard, 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 2021-01-11
Company: Kriya Capital, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom It May Concern, The reason for my dispute is CREDENCE RESOURCE MANAGE # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CREDENCE RESOURCE MANAGE failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) CREDENCE RESOURCE MANAGE failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation CREDENCE RESOURCE MANAGE is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where CREDENCE RESOURCE MANAGE is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report. CREDENCE RESOURCE MANAGE has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-13
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX Hello, I have a mortgage with Chase. On XX/XX/XXXX, I sent a check to Chase XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ) in the amount of {$6300.00} which included {$1800.00} regular payment due XX/XX/XXXX + {$4500.00} additional principal. Check # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX PA XXXX ) ) cleared my bank on XX/XX/XXXX, but {$6300.00} did not appear in my account in Chase. I contacted the customer services departments of both banks and both banks pledged to investigate the matter. 
I received a letter from XXXX. They say Our records show that the above said check was cleared from your XXXX  on XX/XX/XXXX, and the XXXX was JP MORGAN CHASE. Also, XXXX provided me with a Source of Receipt ( SOR ) that describes this transaction and a photocopy of the check. I sent this information to Chase and ask them to conduct an investigation to find my money. 
I received several letters from Chase that copy each other and say : Our research shows that your check XXXX dated XX/XX/XXXX, for {$6300.00} was not received to be processed for your mortgage account As a result : 1. {$6300.00} disappeared from my account in XXXX 2. During the last four weeks, neither institution seemed all that bothered to contact each other, conduct an effective and thorough investigation to resolve the case. 
I would be very grateful if you could help me to resolve this problem. 
Thank you Sincerely XXXX

Company response to consumer: Closed with explanation