BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-01
Company: Movement Mortgage LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am currently in a chapter XXXX bankruptcy, and have decided to sell my home so I need my payoff amount to set the asking price. I called and was put into someone's voicemail on XX/XX/19. When I didn't get any call back I called again on XX/XX/XXXX and was told I didn't need to leave a message, I needed to fax a written request because they aren't allowed to tell me the amount over the phone. I sent that the same day, and didn't hear anything back. On XX/XX/XXXX I called asking the status and was put into a voicemail where I left a message. I called back again XX/XX/XXXX and asked to speak to someone, in person, and was told my paperwork was in " the specialists '' hand and would be faxed to me before the end of the day. Today I still have not received the paperwork, called and was put on hold for 24 minutes and then put into someone's voicemail. I called back and asked to speak to an actual person and was told that all the reps were busy, and put into yet another voicemail. In the last 2 weeks I have left 4 voicemails and sent the requested fax, and have not actually been contacted back by anyone from Movement Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I tried to resolve this dispute with the actual company and I never received results. I went to my bank Chase and told them that I tried to resolve the dispute and did not receive results. I told them that I don't know how many charges that I have with this company. I asked if they could look through and let me know. So they told me the charges I had but didn't tell me all of them. I didn't realize that I had charges since last year. Chase told me that I didn't have to sign the normal forms because of the pandemic, however when I got them in my secured message I did so. I was told that I would receive a credit in 24-48 which I never did. I called back and was told that my claim was denied because I didn't put all of the charges. I filed a report with XXXX someone called and actually submitted all the charges. After that I received {$580.00} out of about {$3500.00} I had so many different people calling me until I got completely confused. A lot of people from overseas. I have already been a victim of identity thief. Someone called me last week from Chase when I answered I just heard background noise so I hung up. First I got a messages that I needed to provide more info but they didn't tell me what. Then I called and was told that I needed to sign a paper that I signed in XXXX of XXXX. The next day I received a message saying that my claim was denied again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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:
Un-authorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-08-09
Company: FinCo Services Inc DBA Current
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I have an online banking account ( checking/debit card ), Current, ( debit card issued by XXXX XXXX XXXX XXXX. XX/XX/2020, at approximately XXXX XXXX I woke up and saw a notification on my cell phone from the Current bank app. When I opened the app I found that my account had been emptied, all but {$7.00}. There were seven different charges on my debit card made that day, XX/XX/2020, between the time XXXX XXXX  - XXXX XXXX, all from the same merchant. 

Every charge displayed on the app listed the merchant as " XXXX XXXX XXXX  ". Total amount taken from my checking account was {$670.00}. I immediately contacted my bank to dispute. At that time all seven charges were still in pending status. The Current representative, via online chat in the Current app, stated I'd have to wait until the charges cleared in order for them to dispute the charges. Also stated it could take 30-90 days to get my money back and that a police report was not needed. After leaving the chat I sent the issuing bank an email in an attempt to understand how this could possibly happen ( no response as of XX/XX/2020 ). Later that same morning, I contacted a Current representative who emailed me a dispute form. I completed and immediately returned that same day ( XX/XX/2020 ). Current acknowledged the receipt of the document. 

I XXXX the merchant and it appears to be a bank in XXXX. It seems that any banking institution should have recognized obvious illegitimate activity considering there were seven charges for hundreds of dollars made in a span of 8 minutes from a foreign bank in the middle of the night. 

It has now been a month and I have not once received any communication from any entity that I have reached out to ( Current, XXXX XXXX XXXX, XXXX XXXX, or the bank associated with the fraudulent charges ). Several times over the month I have used the Current chat feature in an attempt to get any form of a status update. Every representative tells me the same thing, to wait and the dispute team will notify me. I've asked why I didn't get the 10 day provisional credit, because I am a single parent of a child with a XXXX XXXX who works full time and {$670.00} to me, are essential funds. This has set so far behind on everything financially. 

My paycheck is direct deposited into this account and I'm terrified of this happening again considering how easily it was allowed to occur. My debit card number was stolen, I can't find out how, I can't find out how a banking institution has such lax security measures, I can't find out when I'm going to get desperately needed funds returned. I'm assuming the bank is going to wait until the very last required minute to refund the money? Is there a mandate detailing requirements to meet regarding the 10-day provisional credit or is that just an option?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I used to have a credit of about us {$5000.00} in my account with CHASE credit card. It was a refund from a trip I had to cancel. Instead of wiring that money to a checking account for example, CHASE decided to send a cashiers check to my international address ( in XXXX ) without informing me. There was no email or phone call saying they will mail that check. In XXXX, where I live, the post is not super secure and I would have never approved that action. When I realized what happened, the money was gone, I called the company for the first time on XX/XX/2022 and they told me somebody cashed the check. They had a picture of a fake signature ( apparently on XX/XX/2022 ). During the last year, I spoke with at least 15 different people. First, they said they tried to cash the check but was rejected ( naturally because the signature was clearly faked ). But then, Chase refused to give me my money back and told me they need time to start an investigation. Every time I call, they say something different and usually that they need 180 more days to find out what happened. I keep explaining that nobody can cash a cashiers check in XXXX ( there are no banks that do that ). This should never be the clients fault. Any other company by now, would have returned the money to the customer. A check was stolen in the mail ( a check that they never told me they would send to a foreign address ) and Chase can not fix it, they keep telling me to wait. Its been 1 year now and I get no answers. For Chase = Reference number XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-04-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX, I opened an account with Citizens Bank with a promotional offer that stated that I would get a {$300.00} bonus deposit for having a single direct deposit of {$500.00} into the account within the first sixty days of account opening, along with up to {$100.00} extra bonus for up to XXXX debit card transactions done within the first sixty days ( {$2.00} per debit card transaction ). I completed the bonus offer requirements and waited the stated amount of time until I was to receive my bonus deposit into my account of {$400.00} total. The last week of XX/XX/XXXX I reached out to Citizens Bank via Text Chat on their website and inquired as to when exactly I would receive my bonus offer funds deposited into my account. I was told by a representative that I would receive the funds on XX/XX/XXXX due to the date I opened my account and the fact that I completed all requirements to receive the bonus offer funds. On XX/XX/XXXX I had not seen the funds deposited into my account so I once again reached out to Citizens Bank via Text Chat. I was told by a representative that I should have received the funds the previous night during overnight processing but had not done so, and that I should wait until Monday, XX/XX/XXXX to reach back out to Citizens if I had not received my funds by then. I decided to call Citizens on XX/XX/XXXX and was connected with a supervisor who provided me with a case number and stated that I would have a response by the marketing team within two business days detailing when I would receive my bonus offer funds into my account. No email has arrived as of this date. I then also reached out to Citizens via their XXXX account and after two calendar days finally received a response with a case number stating that my info was forwarded to the Chairman 's Office. To this date I have no bonus offer in my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I am a victim of a large ( and still-ongoing ) scam/fraud ring, while trying to purchase a XXXX XXXX last month. I made XXXX XXXX payments for the equipment through my internet banking : {$1600.00} on XX/XX/2022 ( XXXX XXXX XXXX XXXX  and {$700.00} on XX/XX/2022 ( conf. no. XXXX ) before I realized my mistake and reported it, but Bank of America did not investigate my claims, and they refused to reverse the payments because they were " authorized ''. They advised me to " contact the person you sent the funds to directly for further assistance ''. Of course I have already contacted that person, and naturally they are unwilling to return the money ( this is why I reported the fraud to my bank in the first place ). I am certain I am communicating with the recipient of my payments because we communicate using the email address they used to enroll with XXXX. BoA have refused to take any further action, referring me to XXXX, and XXXX have refused to take any action at all, referring me back to BoA because the payments were made through their internet banking. XXXX has enabled BoA to process payments without appropriate customer protections, without incentives to prevent or investigate fraud, and to trivially wash their hands of liability. I am more upset about BoA 's behavior and the structure they ( and XXXX other major banks ) created than I am about losing the money. In retrospect, it's no wonder that XXXX is so closely associated with scams and fraud. The current structure should be illegal and changes to Regulation E are desperately needed.

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 2021-11-22
Company: CHARLES SCHWAB CORPORATION, THE
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
An account was set up in my name, without my knowledge or authorization at XXXX XXXX. I did not request the account to be set up. 

I received a letter from them with a debit card. I am in the process of contacting the company to get the account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent two debt validation letters to First Federal Credit Control. The first validation letter was sent on XX/XX/. The company First Federal Credit Control respond with a billing statement which did not valid any of the requested Information. The next letter was sent on XX/XX/ which was a failure to validate letter, the company did not respond in the 15 day timeframe. This company have failed to validate my debt each time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I was denied an auto loan. ( a ) Discrimination. A creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction. 

Capitol One auto finance XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/2022 Amount : {$90000.00} I tried calling but no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: DISCOVER BANK
State: FL
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:
I ordered a tricycle via internet on XXXX XX/XX/2021 ( Order # XXXX ) for {$99.00} and I used the Discover card to pay for it, before entering my shipping address ; right when I clicked it appeared the XXXX logo along with a name " XXXX ''. The very next day, I found on the internet, an email " XXXX and sent the mail as I wanted to have more information about the purchasing. 
I never received any answer. I waited for the tricycle to arrive and it never did. 
Then, via Internet, on XX/XX/2021 I found an email XXXX and I sent an email to this person to CANCEL the above order as to that day I never received the item. In the meantime I informed the Discover because the charge was already there. Discover reversed the charge, Then, on XX/XX/2021 Discover charged my account again and since then, it has been a nightmare as I have called Discover constantly but went nowhere. Yesterday ( XX/XX/2021 ), I called the Fraud Dept at Discover and I was told that they had received a document from the merchant XXXX XXXX '' stating the the merchandise was delivered with no signature. I told them that I want to see the document as I NEVER RECEIVED ANY ITEM. Last night, Discover sent me a document showing it was delivered on XX/XX/2021 @ XXXX XXXX  to a USPS Mailbox with Tracking # XXXX. This morning, after I called Discover again and told them I do not live in a mail box. The woman to whom I spoke told me to prove it because they believed on the merchant document. Please, help because this is the second time Discover get my money, the last time, was about {$3400.00} or so for a bathroom work that was never done which I will file a complaint later. I wish I could deal with the seller but I have no idea and XXXX people always directs me to their website which does not solve the problem. Please, help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-28
Company: T.S. Holdings
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
We mailed them a letter to dispute the debt and never received verification back. They have been calling me, and the debt has gone on my record and I have yet to receive a verification of the alleged debt. 

We ( XXXX XXXX XXXX and myself ) have mailed the letter of dispute on XX/XX/XXXX by priority mail. The tracking is : XXXX XXXX XXXX XXXX. It reached them and was signed for at XXXX XXXX  on XX/XX/XXXX by XXXX XXXX. This was mailed within the XXXX day period. 

They have since called me on XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX, & XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  Again, I have yet to receive any verification of debt from the company but they continue to contact me and place the debt on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I Just recently took a look at my credit file because Im getting ready to purchase a home and there are a few things on my file that are not mine. Im not going to panic just yet but these account needs lo be taken off my credit CAF. Im doing this on my own and need some help. I sent a complaint to the FTC and the police. I also saw where my credit was ran alot and I have no! ran my credit these are the Inquiries that I dont know anything about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX  XXXX XXXX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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