BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-28
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Sometime on the night of XX/XX/XXXX or early XX/XX/XXXX my debit card was stolen. The next morning I woke up to alerts from my bank app relating to transactions and ATM withdrawals that had occurred that morning. I immediately called the bank ( at XXXX XXXX CT ), notified them that any transactions from that account that day were fraudulent, and to block the card. The bank temporarily credited some of the charges, but not all, and turned the card off at XXXX XXXX CT ( I have email confirmation of this ). A couple days later on XX/XX/XXXX, I went into a Chase branch to figure out why only some of the charges had been credited. The personal banker there informed me that whoever took the initial call missed some of the charges and it seemed some of the charges even occurred after the card was supposed to have been shut off. She also said that it would take a few days, but by XX/XX/XXXX I should see everything credited back to my account. However that never happened and instead the bank began reversing out the credits they had already given me. Then on XX/XX/XXXX, I spoke to the personal banker from the branch again and was told that the bank 's fraud department had determined that the charges were authorized ( since a pin was used ) and that I would not be receiving any credits. 

A few things that I think are important to consider : The bank allowed {$5000.00} to be withdrawn across 13 transactions over about 4 hours.

4 of the transactions occurred after I initiated the call to the bank fraud line. 
It appears to have taken 17 minutes into that call for the bank to have shut the card off. 
The bank never provided temporary credits for some of the charges. 
Most of the transactions occurred in XXXX. XXXX and XXXX ( between XXXX and XXXX ET ), and I live in XXXX without a car. 
I have credit card payments occurring in XXXX Saturday close to XXXX XXXX and again on XXXX XXXX. 
I have a receipt for an XXXX delivery to my XXXX apartment at XXXX XXXX  CT. 
I have multiple accounts and credit cards with this bank ( for over 10 yrs ), have been an excellent customer, and have never had activity similar to these charges ( cash back at XXXX, several large cash withdrawals in short time, any use of the debit card for that matter ). 
Chase claims to have a zero liability policy regarding fraudulent charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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: Their investigation did not fix an error on your report

Complaint:
this account was disputed asking to verify debt was mine they were asked to provide a document that bears my signature and bears amount owed or agreed upon, the were aslo notified that an Itemize statement does not provide proof as per FTC opinion letter : and FDCPA section 807-8 and section 623-b Transunion also notified of dispute and was requested to respond with documentation that bears my signature as proof this is my account upon the investigation, that i dont consent to third party or XXXX verification, that the must contact the collection or original creditor, to provided documentation bearing signature and forward to me upon completion of there investigation, Per FTC XXXX was notified the same as Transunion. 
FCRA section 611 ( a ) ( 1 ) ( a )

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 2021-04-08
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
We have an FHA loan with Wells Fargo Home Mortgage ( WFHM ), which we refinanced with another mortgage company, XXXX, on XX/XX/XXXX, When XXXX requested the payoff amount, WFHM included an additional interest of {$1000.00} for the month of XXXX, even though we closed on XXXX. Per WFHM, FHA requires loans to close on the 1st of each month and because our closing was XX/XX/XXXX, they are charging an extra interest for the month of XXXX, even though loan was fully paid on XX/XX/XXXX. According to FHA regulations, payoff of loans with a note date on or before XX/XX/XXXX XXXX our loan is from XXXX XXXX, allows lenders to charge interest for the entire month regardless of loan closing date. HUD 4155.2 3.A.2.b-c also applies to this case. Our XX/XX/XXXX payoff did include a full month interest for XXXX, along with principal, and fee. Charging us an additional interest of {$1000.00} for the month of XXXX violates HUD and FHA regulations cited above. WHFM committed an ILLEGAL act by charging me XXXX 's interest after an XX/XX/XXXX payoff. I directly filed a written complaint with WFHM on XX/XX/XXXX but, as of yet, they have not provided a written or verbal resolution. I have also filed a complaint with the NJ Department of Banking and 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 2020-08-22
Company: Experian Information Solutions Inc.
State: NJ
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/2020 i sent a letter regarding inaccurate and unknown things on my credit report. to this day over sixty ( 60 ) days later I have not received a response yet. I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My 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 explanation
Consumer complaint received 2021-04-08
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I attempted to dispute with Experian my social security number and inaccurate address reporting on XX/XX/2021 at about XXXX and spoke with a " XXXX ''. I have accounts currently being disputed via certified mail and included in those letters, I have a copy of my driver 's license and social security card. So every credit bureau has my driver 's license information and social security card information. I asked that he correct my social security number and he continued to speak on a specific account on my profile I was no longer inquiring about. He sounded half asleep and disinterested in this situation. This is an important issue and I felt he didn't want to help me. Only after asking me 5 times what my issue was and me telling him all 5 times what the issue was, did he finally submit for a dispute of my social security number. I began telling him my address was incorrect, and he proceeded to say, " What's the problem now? '' At this point I asked him if there was someone else that could help me that wanted to actually help me because it seemed as if he wasn't interested? He responded back saying that if I wanted to dispute anything on my credit report I needed to submit online another dispute, and I reminded him as I did in the beginning of the conversation that online doesn't allow me to submit a dispute for my social security number or address and that it tells me I need " special assistance with this matter '' and to contact the number listed. He got quiet, and I asked him his name. After ignoring me for a good minute and twelve seconds, I asked again what his name was, and asked for an ID number. He told me his name was XXXX and he didn't have an ID number. I told him I'd call back and speak with someone who wanted to assist me because he isn't trying to. I hung up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2020 multiple deposits were made to my account from unemployment for a number of weeks of retro unemployment or 19 payments of which 17 were {$740.00} and two were  {$140.00}. My account appeared to be active. I have a screenshot of my account from this day. 

On About XXXX XXXX I called spark business department to have a new card issued to me because I had thought I lost the previous one I had and a customer service representative told me that my account needed to be closed because it had sat for a number of months with a $ XXXX balance. Which had happened another time before in another account and they just took money from another account of mine with a higher balance to pay the one that was in the negative. This was the day the reprentative also said that I would get a check in the mail for the money that was in my account after it was closed. I was told it could take up to 4 days to close the account and 5-7 days after that to get the check. 

The next day I signed on to see what was happening with my account and I noticed that the previous representative had the address wrong to send the check to. He had the address in XXXX, IN. And the address was supposed to be in XXXX, IN. 

The check should have been for a combined savings account of {$6.00} ( XXXX Savings ) and the {$13000.00} ( XXXX XXXX Account ) for a total of {$13000.00} I have tried to contact Capital One a number of times regarding this matter and the customer service rep has told me that the check is on its way. They have stated that on the XXXX a check was printed. However, I have no clue when it was sent out or if it was sent out. Can Capital one confirm the shipping address for me? It just seems like a very long time to wait to get a check from a bank that is within the united states. And you can bet that if someone owed them money they would be ready to collect it ASAP. 

Also on the XXXX a letter was sent out that does say that my account was closed down and no check. Now its the XXXX of XXXX. Can you verify the address this check was sent to? Why is it taking so long and please don't void it yet if its going to the correct address.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-16
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I opened a trouble ticket via email, as they will not handle these kind of issues over the phone. I have no access to my XXXX account where my funds are being held. I can not buy or sell with my coinbase account at all even after it had been verified and used the funding sources for over 90 days. I have called multiple times and emailed countless times and have not gotten a response. Seeing as how they are the only ones with access to my funds, this can't be legal. If a brick and mortar bank were to not give someone their funds the government would take care of it, but since I am an e-customer they don't have the sense of urgency they should.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: MoneyLion Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have a money lion investment account with {$210.00} available to withdraw but when I try to transfer it asks for phone number verification code from a text message, which I have a new phone number since I signed up. It will not let me update online. I have tried to call about 10 different times to withdraw my money. I wait on hold over an hour and then a recording comes on about taking a survey and then hangs up. Reviews online show this happens to other people. You are not able to reach an actual person. I WANT MY MONEY THAT I HAVE PAID INTO AND I HAVE NO WAY TO ACCESS IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: National Credit Adjusters, LLC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company calls multiple times per day to my office XXXX and cell XXXX. I have answered and asked them repeatedly to stop calling ( see attached screenshot, all of the XXXX numbers ), but they insist I must give them my personal information or they won't talk to me. This is harassment and it must stop. I want both of my numbers marked as do not call immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: MoneyLion Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
My spouse who I am separated with was contacted by a company on XX/XX/2019 claiming to be a mediation company by the name of XXXX XXXX. They told me that a company that I had previously taking a loan out from called Money Lion was using them for mediation services, and that they were going to take me to court and sue me. They wanted me to verify the last four of my Social Security number which I refused, and also ask them for the companies address, which they refused to verify to me. They told me that that was for {$780.00} plus the legal fees would make the debt total {$1500.00} that I needed to pay To them. I told him no, and I hung up the phone. On XX/XX/2019, they contacted me again threatening to send a citation to my home for me to go to court and that my lawyer needed to contact them. Again, I asked him to give me their name and address, whichThe woman got irate with me over the phone and I hung up. Today on XX/XX/2019, they contacted my husband again and left him an automated voicemail saying that this was their final attempt to contact me. I called them back, and again they can not verify my address only my email address. This time, they told me that I need to set up an arrangement With them, and the name of their company was XXXX. This time instead of {$1500.00}, they said that I Needed to set up a payment arrangement with themFor {$780.00} plus a fee of {$250.00} and if I did not, they were going to send a citation to my home Within 48 hours.The number that they have repeatedly left on these voicemails to call has been XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: U.S. BANCORP
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Us bank had existence me for 4 moths awesome right? 

Well due to Coronavirus I could not make payments following the pandemic length I was giving a year on my home and now that I am back to work and was trying to pay 2 payments up and split the next for a few months they agree to take the payment but I will be still sitting on a Repo list how can I get my truck repoed then go back to work loose truck then looose home it doesnt make sense to me this is going to be a complete struggle for America as all my savings was spent to live Im self employed I dont know how to do the grants and gov loans not even sure with my credit like it is today I would even be approved Im back to work I cant loose my source of income thats my truck

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 2019-05-28
Company: Credit Bureau of Council Bluffs, Inc DBA Credit Information Systems
State: NV
Product: Credit reporting, credit repair services, 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:
i want to delete these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX XXXX, account numberXXXX is fraudulently and inaccurately being reported on my XXXX AND TRANSUNION credit files. 
Here is my history of the card to the best of my recollection : I originally received the card with a {$300.00} limit.I used the card twice for about {$50.00} each time and I paid on time.About one or two months later there was a charge for XXXX XXXX or something like that in the amount of {$120.00}, charged in XXXX XXXX, somewhere I didn't go.The card had been '' skimmed. '' I cancelled the card and paid a {$100.00} " cancellation fee. '' I got a new card in XX/XX/2014 which I used and paid.When I got the bill, what was on it was not my charges.I called and cancelled in XX/XX/2014.

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 2021-04-08
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I applied for a synchrony bank care card in XX/XX/2019 when my credit was in a not so great place, I believe my credit score was around XXXX at the time. They approved me and ever since then Ive use that card of the month to month basis always paying my payments on time including paying it off a couple of times, never once being truly late. On XX/XX/XXXX they closed the account with giving no prior notice of that change in terms, I believe breaking at least one lending regulation. When I asked they stated that it had to do with periodic credit checks but my credit is a little better than it was when they gave me the card which seems a little deceptive. I believe they are using deceptive practices to minimize what they feel may be a risk after accounts are already opened by them. Please look into Synchrony Bank and their practices

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I contacted XXXX XXXX XXXX billing department on XX/XX/2020, the customer service agent stated that she did not see any payment of {$25.00}, {$5.00}, or {$10.00} in their system. On their website ( XXXX ) the {$5.00} has been posted but not applied to my account. My medical bills are paid in full. I have filed a dispute with Chase Bank on XX/XX/2020 for the amount of {$25.00}, {$5.00} and {$10.00}. On XX/XX/2020 I received an email from Case Bank stating thats mine requirement has been resolved, I haven't been reimbursed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I cosigned for an auto loan with finance company, Santander Consumer USA, in 2018 and the loan eventually fell delinquent. I later received a notice that I did not qualify as a co-signer for this loan and should have never been approved as such. I have since misplaced this notice but I have discovered that the Attorney General won a class action suit against this company for predatory lending practices of subprime consumers. I would like to have this obligation removed from my name and from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
MY NAME IS XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, NEW YORK XXXX I HAVE MADE MULTIPLE ATTEMPTS TO TRY TO FIND OUT WHY THERE IS A {$3100.00} UNPAID FEES COLUMN ON MY CURRENT MORTGAGE STATEMENT WITH LOANCARE MORTGAGE, WHICH IS SERVICED BY XXXX  XXXX. 

I WAS DIRECTED TO WRITE AN E-MAIL TO LOANCARES RESEARCH DEPARTMENT ( SEE ATTACHED ) ASKING THEM TO PROVIDE THE REASON FOR THE CHARGE, OR TO PLEASE REMOVE IT. THEY STATE THAT THE CHARGE ORIGINATED WITH MY PREVIOUS MORTGAGE COMPANY AND THEY CAN NOT CONSIDER MY REQUEST TO REMOVE IT. 

THEY HAVE NEVER CHARGED A LATE FEE, OR TRIED TO FORCE PAYMENT ON THIS AMMOUNT IN YEARS. THEY JUST KEEP PROMISING ME TO PROVIDE AN EXPLAINATION. BUT, TO THIS DATE HAVE NOT BEEN ABLE TO. 

I AM RESPECTFULLY REQUESTING THE PROPER PROCEEDURE TO AFFECT THE PROOF OF SUCH CHARGES. I AM CURRENTLY TRYING TO REFINANCE, AND THIS UNKNOWN CHARGE IS HOLDING UP MY REFINANCE. 

MY LOANCARE ACCOUNT NUMBER IS STATED BELOW. 

THANK YOU SO MUCH FOR YPOUR HELP 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 2021-04-08
Company: BARCLAYS BANK DELAWARE
State: TX
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:
Recently worked with XXXX XXXX XXXX in XXXX to resolve a debt with Barclays for 50 % of the balance. The payments were made timely and as agreed. Upon the final payment my credit file was to be updated. I recently received a notification in my credit report that Barclays updated on XXXX of the balance was paid in full and has not changed the current status to paid and balance as XXXX. I have filed a dispute before and this was the update.

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