BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-17
Company: JPMORGAN CHASE & CO.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a personal checking account with Chase Bank earlier in XX/XX/2023 because I wanted a bank readily physically accessible to me. I have always bank with XXXX XXXX. I did a remote check deposit from my XXXX personal checking account in the amount of {$12000.00} into my new Chase personal checking account on XX/XX/2023. The debit transaction posted into my XXXX checking account on XX/XX/2023. I was expecting my credit to be posted into my Chase checking account within 2-3 business days, as is the case with every other banks I have transacted with. 

Chase bank has a policy to always place customer 's deposits " on hold '' for seven business days. That meant for the entire seven days period, customer will have no access to their funds. I had expected the funds to be available in my Chase checking account for my use within 3 business days. The Fund was held " hostage '' by Chase. Wherefore, I had no access to my own money. I called Chase bank to find out why they withheld my deposit because I needed my money for critical transactions. I was informed that Chase bank has a " Policy '' to always place customers ' deposit " on hold '' for seven days. And there is nothing they can do about that. 

I find this " policy '' to be reprehensible and an unwholesome banking practice. The Check of {$12000.00} had been debited to my XXXX checking account since XX/XX/2023 but Chase bank has decided to " hold unto '' my funds until XX/XX/2023. This is ridiculous practice and I have never experienced any such practice or policy from any major bank in the United States. 

Chase bank has no valid reason to " hold on '' to my hard earned money for no reason and deny me access to critical transaction I wanted to carry out with my own funds. Even as I am making this complaint, Chase bank still " holds my fund hostage '' for no legitimate reason. I see these practice as an " Harrasment '' of customer. I did online customer reviews serach, and it turns out millions of customers have being complaining about this Chase 's practice in online chats and customer review websites. 

I hope this compliants makes it to the United States Congress and Chase bank is made to explain its practices to Congress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I paid for a certified letter to be mailed out with return receipt for dispute on credit report. It have been over 30 days and no response. Please remove!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have a Capital One GM credit card with a rewards program called Buy Power Rewards. For every GM dealership or service department work done, I accrue points that I can use toward a statement credit or toward the purchase of a new XXXX vehicle. Even if my rewards total over XXXX points ( equals to {$250.00} ), I can only use XXXX points per calendar year. On XX/XX/2020, I had service work done on my vehicle in the amount {$150.00}. As of today XX/XX/2020, I have accrued {$260.00} in points Today, I contacted the Reward Program customer service to ask that they apply points to pay off the bill of {$150.00}. The rep named XXXX kept me on the phone for almost one hour explaining the entire program to me, when all I asked for was that the rewards be applied. Due to some contradictory pieces of info that she provided, I had a few questions that she couldnt answer, so she just kept repeating herself about the program details. I finally asked to speak to a supervisor. She put me on hold several times, saying that she was looking for a supervisor but couldnt find one. Then she said that she found 3 supervisors but she would relay my questions to the supervisor on my behalf. She also said that her supervisor was in the building but she didnt know where. After repeated requests to speak to a supervisor, I was never connected to one. She admitted that she did not work for either GM or the credit card company, but was an independent contractor. She ultimately applied the reward to my credit card, but not as I requested. Instead of applying only {$150.00} in rewards, she applied the entire yearly allotment of {$250.00} to my credit card. When I advised her of this, she said it was her mistake and she'd fix it so that only {$150.00} would be rewarded. I called back and spoke to another rep named XXXX and he said once the reward request has gone through, it can't be changed. So now I have to either get a refund check from the credit card or leave the credit in case I need more service work done.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-29
Company: FORD MOTOR CREDIT CO.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
XXXX I had XXXX  and lost my job I told The company and explained to them what happened the day they repossessed the vehicle I paid the balance in full and they still wouldnt work with me to get it taken off my credit report it also happened in the middle of Covid as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: Affirm 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:
Per the FCRA, I am a federally protected consumer. According to the law, consumer reporting agencies are to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, is classified as consumer reporting agency, and I by definition am the Consumer. Pursuant to 15 U.S Code 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. AFFIRM INC per 15 U.S Code 6801 is defined as a financial institution ; of which I am sure the U.S. Department of Justice, the U.S. Department of Housing and Urban Development, the U.S Securities and Exchange Commission, and the Office of the Comptroller of the Currency [ would ] consider any information that this institution engaged in illegal credit practices before the end of the institutions next performance evaluation. AFFIRM INC is in violation of 15 U.S Code 1681a ( 2 ) ( A ) ( i ). See Exhibit A. AFFIRM INC is under the regulation of many laws and as previously mentioned one of those is the FCRA, which states the term consumer report DOES NOT INCLUDE any report containing information solely as to transactions or experiences between the consumer and the person making the report. Pursuant to 15 U. S Code 1681c ( a ) ( 5 ) the publishing of any adverse item of information should not be on any consumer report. It clearly states except as authorized under subsection ( b ), 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. This is a violation as they are reporting these items without my permission. See Exhibit B for the accounts I, the consumer, am speaking of. 15 U.S Code 1681e states every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 15 U.S Code 1681 clearly states that I have a right to privacy. It also states the consumer reporting agencies can NOT furnish an account without my written instructions. XXXX is in direct violation of the law and will be held responsible/liable for damages pursuant to 15 U.S Code 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Amex Serve prepaid has allowed an unauthorized transaction of {$2300.00} to be debited from my account on XX/XX/2019 from a merchant I have never used before. I saw the police report filled out the proper paperwork and still have not received my provisional credit I have been a customer with them for over 7 years and my VA XXXX and Social Security come here monthly they are not trying to do anything to rectify the situation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have been always regular ( ontime ) payer on my zales credit card. I never missed any payment. But due to severe natural disaster ( Hurricane Florence ) I  am now broken. I have no job, no home, no savings and no financial support. As customer courtesy it is kindly requested, considering my regular payment records, severe natural disaster and my financial hardship to please refund following finance charges on my account : XX/XX/XXXX {$78.00} XX/XX/XXXX {$74.00} XX/XX/XXXX {$800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Re : Bank of America Cash Rewards Credit Card I signed up for a Bank of America 's Cash Rewards Credit Card because their Ads state, " {$200.00} online cash rewards bonus if you make at least {$500.00} in purchases in the first 90 days of account opening. '' I opened up the account over the phone in XX/XX/2018, made all applicable purchases within the given time frame, and paid my bills in a timely matter. I waited 3, 4, 5 months, and I never received a bonus. I called BofA to check on the status, and they informed me that I do not qualify for the bonus because I didn't apply ONLINE. I, along with a lot of other consumers am baffled by this. Please refer to their website : XXXX XXXX XXXX Nowhere next to the statement " {$200.00} online cash rewards bonus if you make at least {$500.00} in purchases in the first 90 days of account opening '' does it mention " account opening ONLINE ONLY '' or an " * '' noting conditions voiding phone applications. This is really misleading to the average person. I opened up the account because of the bonus offer. I feel like this is a nasty bait and switch scheme Bank of America is  playing with the general population. 

Please note, at the time of application I was not able to complete the online form due to my circumstances at the moment -- thus I had to apply over the phone as it was more convenient for me. This is discrimination for those that are incapable of applying online.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-16
Company: Commerce Home Mortgage, Inc
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Email sent to them today ... 

On their website it says " Let us know how were doing. 
Share your feedback : XXXX '' That email bounced so it does not even work. Forwarded it to multiple other emails on their website. 


I called last Tuesday regarding the fact that the county told me that I am up on the waiting list of people to help with mortgage assistance. I have 7 days to get them this form signed. I called and asked how to do it. They said attach it on the contact us page and tell them what I need. I did. 

On XX/XX/XXXX I received an email telling me to call in to pay. So they did not read it or even acklowede it. I called in. I was told they saw the form and would " escalate ''. I called on Friday XX/XX/XXXX. Spoke to multiple people. Got a supervisor. Said he would escalate it and if no one has sent me it by Tuesday ( Today ... day it is Due ) to call again and ask for a manager. 

Nothing today so I called. I got XXXX but it is oveXXXX 2.5 hours later and still no word. I need this filled out today or I lose out on the money. Help me help you. 

I lost my job. I am doing the best I can and getting assistance where needed. I need this form filled out to do so. 

The w-9 is not needed that is for landlord. 

Ticket # XXXX Ticket # XXXX -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX Side note : XXXX was super nice and helpful but she can not fill out the form. It seems no one can fill out a form.

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 2023-06-16
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX my wife 's payroll company accidently sent her pay to an account that Huntington closed on XX/XX/XXXX without stating a reason. I called Huntington and they told me they are unable to track transactions at it should be returned in 7-10 days. They should have rejected the transfer as the account was closed and they no longer want to business with us. When the closed our account on the XXXX they issued a check for the {$2.00} remaining balance with tracking and a signature requirement. The money was never sent back. I went to the bank today and all the manager would tell me is some part of Huntington printed a check on the XXXX and had already mailed. I use USPS informed delivery and they will notify me of all mail by scanning it and emailing me pictures and tracking numbers if there is packages or registered mail. There have been no letters from Huntington. The manager stated " The checks in the mail '', and I do not believe that as I can see the mail. I will be filing a police report to get the illegal acceptance and retention of {$160.00} noted to file a lawsuit to recover said money. Their practices are abhorrent and verging on criminals. I'm glad to have a better account now that doesn't have {$35.00} out-of-network ATM fees that even kick in when you use your card at XXXX XXXX. They need to be better monitored as they are the worst bank in Michigan, ask anyone. We were stuck with them because they bought our old bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My XXXX 's Comenity bank credit card was used without my authorization by XXXX 's stores. I called and XXXX 's corrected the incorrect charge and refunded the {$55.00}. I called Comenity credit card and they said they would correct the late fees and confirmed the account would show a {$0.00} balance within 3-4 days. This did not happen, so I called on XX/XX/XXXX and spoke with both XXXX & XXXX and they confirmed that the fees would be eliminated as promised. This did not happen. I then called again and spoke with XXXX who again said it would be corrected and the amount owed would be {$0.00} and corrected in 3-4 days to reflect back to {$0.00}. On the third month of incorrect late fees on a false charge by XXXX 's, they then corrected the issue of the balance and closed the account as of XXXX, and this was reflected correctly as a {$0.00} balance, closed account. However, they STILL failed to correct my balance and past due amounts ... I NEVER owed anything in XXXX. I was NEVER late. This is provable by whom I spoke with & & & the fact that I personally did not pay ANY money to this account, they did themselves because they were wrong!!! This is still not fixed on my credit report because of Comenity Banks ineptitude and lack of follow through on their end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-31
Company: AMERICAN HONDA FINANCE CORP
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I now received XXXX payments of {$1400.00} per month. When I placed the loan 2.5 years ago I was fully employed. My husband has been very ill over the past year and has caused a temporary hardship due to this fact. He has a XXXX XXXX which is now controlled as of date. We have had to deplete all savings in this regard but now we are starting to get back on track because my husband is back working full time. The reason for this complaint is that I talked to a Honda Financial Services financial supervisor named XXXX. She told me to XXXX XXXX a full payment which is {$780.00} to her by XXXX XXXX  today of which I sent around XXXX CST today and that I would need to make another payment by next Friday, XX/XX/20 and I committed to make that payment with her. Well apx. an hour after I made the payment a recovery service was picking up my vehicle out of my yard. I told them I had made the payment and payment arrangements with Honda Financial and they had to be at my home in error. I called XXXX back and she will not answer the phone and another representative named XXXX told me that they were going to refund my money back and they would be keeping my vehicle. I fulfilled the verbal agreement I made with her, so I do not understand how a credible business can break their verbal promise that I have complied to. They are foretelling my financial future to tell me I will not be able to pay the car note and I have had this vehicle over 2 years and I am expecting a large sum of money in the immediate future to cure all financial concern, so they have discriminated against me and lied to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My brother in law helped me opened up a Goldman Sacks credit card in my iphone in XXXX, I didn't use it much as I am XXXX XXXX XXXX and not good at using the fancy stuff. from XXXX I used it more, as it just showed up automatically on my phone. Initially I thought it is part of apple app and can deduct the amount from my app account. I didn't get bills as it is all in the apps and I didn't know where to find the bills. Then I got calls from GS when they became over due, I always paid off the whole balance. After a few times I realized I should set up autopay so I did and thought that I don't need to worry about it. Then a few weeks I was doing loan and I was told that I had {$700.00} over due, so I called XXXX and asked why I had a overdue balance when i have autopay which is supposed to payoff the whole balance. I was told that the autopay could only pay the current month balance and not prior balance, but nobody told me that when I set up auto pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX, Consumer, dated on XX/XX/2022, am demanding Capital One Bank XXXX XXXX, to send I, XXXX XXXX, a Payoff Quote of the current balance on my Capital OnXXXX account. Please send this information via Consumer Financial Protection Bureau, and as well a copy via Postal Mail. Pursuant to 15USC 1681n ( a ) ( A ) ( B ) for any noncompliance whatsoever fines will be applied to Capital One Bank XXXX XXXX. Thank you. Best regards!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
hello, I am holding a Bank of America checking account which I opened in USA. Now I am not in USA anymore. On XX/XX/2023, I initiated a wire transfer, which I was directed by BOA associate to use a XXXX XXXX with my finger print, to transfer the money to my son 's account in USA other bank, and then my account was blocked by BOA. When I called the BOA, they said I need to go to BOA financial center in person in USA. My question is there is no reaching out to me for confirmation of the wire transfer to decide if it is a fraud or not, and then my account is blocked, is this legal or who authorized the BOA to make this decision? I am not going to USA any more, and I want my money either go to my son 's account in USA, and come back to my own account outside USA, and BOA is a bank? which I have tried 4 years to get my money out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief