BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Chase appears to be trying to set precedent with this type of branch. This is a cashless branch. There are no live tellers. Yet, there are processes that are not openly disclosed to the customer. Their processes allowed the bank to keep my money even in the instance where an employees witnessed the machine malfunction and not dispense my money ( the withdrawal will be confirmed in your transactions when checked and the bank will not immediately resolve the error/malfunction ). Instead it was requested I sit in a cubicle ( XXXX XXXX the associate who witnessed the malfunction ) while a claim was created and case numbers established. I asked for the manager and was advised he was not there. The next in charge XXXX XXXX casually conveyed it has happened to him, ( I called XXXX XXXX ( XXXX ) in XXXX relations ). I was told by both the claims Supervisor XXXX XXXX ( claim number XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) the matter would take at least 12 hours to be resolved. The bank would not expedite resolution. I used the atm inside the branch which is how the associate witnessed the machine malfunction. There were ATM servicing agents repairing machines on the outside of the building. Yet, I was told the machines on the inside could not be serviced until after hours. I have contacted XXXX XXXX this morning and spoke to XXXX who advised a Supervisor was unavailable and in a meeting. He advised XXXX was still handling the case. 

My concern is the machine malfunctioned and my money was not dispensed ... in front of an associate and it is being handled casually with no urgency or bank accountability, immediate action or concern. I am being forced to wait for resolution. The amount was $ XXXX. It was bill, fuel, and grocery money waiting to be distributed. I was forced to go home. I find it heinous and it still has not been resolved and is approaching 24 hours. There should be a more immediate policy to service customers like myself in this instance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: ProCollect, Inc.
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: Old information reappears or never goes away

Complaint:
I paid XXXX XXXX. and it is still showing and reporting to my credit every month after they agreed that once paid this item would be deleted ... this has been a on going 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 2019-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The amount owed is incorrect and has not been updated and XXXX XXXX continues to not update the correct amount due. I have tried to make payments on this account but was told I could only pay in full and that the IRS would get a report from them on me. This was in XXXX of 2018.

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 2018-11-27
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
The company stated I violated section 15 ( d ) which simply states the card can't be misused. I was only using the card as intended, receiving payments from peers, withdrawing cash, making purchases, and paying bills. I did get a few more payments than average, but that was from selling bitcoin from my personal investment. 
Anyway the company said they were closing my account and sending me a check. I did call them and they said there was nothing they could do. Some accounts just need to be closed because the cost of compliance is expensive. 

I have yet to receive a check. I would like one mailed ASAP Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-27
Company: WEBSTER BANK, NATIONAL ASSOCIATION
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:
Hope this finds you well. My business recently was affected by unauthorized transactions to our checking/debit card accounts. We processed in time and to accordance unauthorized transaction disputes. These disputes have been denied twice by the bank itself stating that we have done business with the merchant in the past. The merchant in question has been our business processor, they added services and equipment to our invoices without delivery of either, they have since via email communication offered to credit the amount of the equipment and offer our business a substation discount on future invoices for the situations. 
The bank however refuses to reimburse our company and our personal accounts more than {$2000.00} in fees associated with the loss of these large amounts with caused our accounts to go negative. We had to personally contact the merchant with whom charged that took unprecedented amount of hours and time. 
We where told several times that provisional credits would be applied to our accounts within 10-days of the disputes and where mislead, not only once but twice. These lies created negative accounts and absorbed any and all operation funds coming through. 
Our accounts have suffered extreme damage as well as our reputation and character with our staff, merchants and other vendors who where effected by loss of funds. The bank has neglected us as customers and created situations that could have been avoided. They have been negligent since XX/XX/2018 when we first disputed the amounts and they told us not worry.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-13
Company: TRANSUNION INTERMEDIATE 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:
This account is 7 years old and should be deleted from my credit report.

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 2020-04-27
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was offered a promotion for one year interest free financing. I made my payments on time each month in order to meet this promotion. I was calculating that it would be paid off by XX/XX/XXXX ( One year from my first due date ) I paid the full balance on XX/XX/2020 and on my next statement it showed a balance of {$670.00} because they applied the finance charges. I was never notified that the promotional one year financing was set to expire on XX/XX/XXXX. I spoke with several people at XXXX and they told me I should have done a better job of managing the account and there was nothing they could do. Additionally, I was never late and paid on time each month and it was clear by the amount I was paying each month I was attempting to meet the promotional deadline. If I would have know that I needed to pay before my payment due date I clearly would have. So by paying my bill on time I was charged the {$670.00} finance charge. They are refusing to make any adjustments at all even during COVID-19. It is  clear by not notifying me that the promotion was ending 11 months and not 12 months they intended to mislead me so they could charge the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 at XXXX ; a fraudulent check for {$4600.00} was deposited into my minor granddaughter 's account at the BB & T bank on XXXX XXXX XXXX in XXXX XXXX The teller ; XXXX XXXX ; took the check and did not put a hold on the availability of the funds. 

On XXXX XXXX ; my granddaughter called me and told me that there was over {$4000.00} deposited into her account ; but only {$640.00} was still available. She told me that she tried to withdraw {$640.00} ; but was told that the check that was deposited was fraudulent. 
After getting off the phone with my granddaughter ; I called my bank here in XXXX, NC. I was told that two ATM withdrawals had been made by the use of my granddaughter 's debit card. I then spoke with my granddaughter and was told that her debit card was missing ; but she had not reported it lost or stolen. I received a call from the bank teller at XXXX and was informed of the deposit and that most of the funds were already taken out. 

The bank teller ; XXXX XXXX ; that had taken the deposit on XXXX ; called me on XXXX from her personal cell phone to ask if I had spoken to my granddaughter. 

I have filed a police report with the XXXX XXXX Police, the XXXX XXXX Police, and the Fraud Department from BB & T. 

Now ; I am being told by my bank that because my granddaughter is a minor ; and my name is on her account ; that I am going to be held responsible to pay her negative account balance of {$4000.00}. BB & T has frozen my checking and savings accounts until this is paid in full. 

On XX/XX/XXXX ; I received a notice from BB & T ; dated XX/XX/XXXX, that the availability of the funds of the deposit were delayed until XX/XX/XXXX. But ; {$4000.00} was taken out on XX/XX/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 2020-04-27
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
Transunion, XXXX  and XXXX  allowed my identity thief to login into my credit and insert fake address, and a phone number. I have contacted them multiple times to remove the information. The identity thief got car insurance in my name, and applied for credit cards and business loans. He uses a fake email in my name to gain access and he has a fake drivers license in my name. I have asked the three credit companies to block him with his email address. I have sent disputes about the fraudulent address & phone number and they have done nothing!!! I put a freeze on the account alone with a fraud alert. I have disputed the hard inquiries. Im not able to get a free credit report online because the thief manipulated my information. Help make these companies be more responsible for everyone credit info. I have filed a police report too.

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 2021-04-13
Company: EQUIFAX, INC.
State: MI
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:
I have an open Credit Card Account with XXXX XXXX and XXXX XXXX for over six months paid in full every month which is not being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Responded to a Citizens Bank direct mail campaign to open new checking/savings accounts and funded such with a total of $ XXXX at the time of online opening ( XXXX ). Citizens immediately transferred the funds out my existing account ( XXXX ) at another bank and immediately proceeded to close the new account ( XXXX ). Thereafter, Citizens has consumed many hours of my time in going into a local branch, via telephone, via email, and via written correspondence, all the while indicating that they do not wish to do business with me, unwilling or unable to provide any further reason, yet after over 3 weeks, also without return of my funds. I wrote to their CEO, General Counsel, and Head of Consumer Banking indicating that their marketing and banking practices, intended or otherwise, deceived and defrauded me, a consumer, of a significant sum of funds that they have been entirely unable or unwilling to return. A representative of the bank and I have spoken twice now. The first call ( XXXX ), the representative asked me for written proof that the funds were withdrawn from my sourcing bank account. I indicated that they did not need proof as they have the funds. During the second call ( XXXX ), the representative said I have 1 of 3 options, all taking immense more time to adjudicate. I told her that all I wanted was funds returned to my original account immediately, which is what multiple Citizens representative ( via phone and a local Branch Manager ) said would happen ( since funds were withdrawn via ACH, they would be returned promptly via ACH to the same account/institution ). However, as of writing ( XXXX ), I remain short said funds. I request your help to ( 1 ) secure a return of funds and ( 2 ) evaluate and take punitive action for defrauding customers, stealing money, bait-and-switch practices, discrimination ( do not wish to do business with you without further explanation, absolute disregard for customer time, communicating conflicting and misleading information, dodging responsibility ( asked me to take issue up with source bank! ), and lots of other colorful accusations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: EQUIFAX, INC.
State: AL
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:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The house was in foreclosure, through the foreclosure case and after the final Judgment was rendered, we agree to a loan modification, the bank chase imposed a probatory payment period, through such period we made timely payments in excess of {$6000.00} towards the loan modification, later after receiving the money Chase decided to disallowed the loan modification abs refused to counter sign it and proceeded to allow the sale of the property in the court steps, in the XXXX hour we were able to get the full judgment amount and retrieved the property form the court steps, paying off the loan, Chase refused to return the payments made in lieu of the failed modification, for which they had no legal ability to charge and now claim they just dont know how ti solve the probem, they were fully paid for the mortgage with all legal fees as awarded by the court, they were not entitled to charge for a modification they never agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report.

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 2021-05-27
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
on XX/XX/2021 I purchased a group-on through my Chime ( XXXX card ). On XX/XX/2021 I was quarantined by Hawaii even though I had an negative COVID test ( attached ). On XX/XX/2021 I reached out to XXXX to ask for an refund they stated they could not but I should contact my bank. I did, and they denied my claim on XX/XX/2021. On XX/XX/2021 I resubmitted my claim and even sent my flight back home information. Again on XX/XX/2021 my claim was denied. I asked for another rebuttal on XX/XX/2021 and called to check on XX/XX/2021. I was told because I did not specifically ask for an " rebuttal '' it was denied. I resubmitted all documents again and in just a day received the attached denial on XX/XX/2021. Stating that my claim was denied because of groupon policy. The merchant has failed to respond to Chime. Yet they are still siding with them. I have sent everything I can to prove that I did not receive my goods/services and should not be responsible. Also inst it courtesy if the merchant does NOT reply within 30 days to settle in the favor of thei consumer. Now when I contact Chime the agents keeps hanging up on me. PLEASE HELP me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: BlueChip Financial
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I applied for a payday loan with Spot Loans Friday XX/XX/2021 & was approved for {$600.00}. The website states that if you apply, get approved, & sign your contact before XXXX CST youll receive your money on the same day by XXXX. I applied got approved & executed my contract all before XXXX. I called Spot Loans Friday evening & they told me I either didnt make the cut off time or I typed my banking info wrong. So I waited till today XX/XX/2021 & called Spot Loan & asked wheres my money.. They told me my banking account info was wrong my application was canceled & I had to reapply. Im like WHAT! & they proceeded to say the second try isnt guaranteed. I told them that this was not cool & I was going to file a complaint. Sure enough I applied just to see.. & I was denied! I want my money that I was approved for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Ok my mom passed away and left my sister and brother and myself the house. I since bought a home in Colorado my sister lives in our mothers house in California and paid this bill every month on time. Account open in XX/XX/XXXX I wasnt living there then. In XX/XX/XXXX I filled bankruptcy it was included in my bankruptcy but my sister continue to pay this account until the end. She finished in XX/XX/XXXXlooking at the report every payment paid but one, the last one just doesnt make sense. What XXXX XXXX did was trying to get paid from me though my bankruptcy try to get extra {$500.00} dollars and I had never been responsible for this account payment. XXXX XXXX has the lien release paper that she paid the payment off. She wrote this on her taxes not me. And I thought that I sent this in already no response so here it is again how can they say they investigate and it was denied accuracy and it would stay on my account?

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 2019-06-27
Company: FIRST FINANCIAL BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX, I went to First Financial to get an ATM withdrawal of {$150.00}. When I attempted to get the {$150.00}, the machine informed me that I must withdraw in {$20.00} increments. So I entered {$160.00} ( I knew I was close to my balance, but believed that if I was over my balance, it would let me know if I did not have enough funds. ) The money was issued. I did not look at my receipt to notice that my balance was now - {$9.00}. It took me a few days to notice not only was my account negative, but they charged me an overdraft fee of {$37.00} on my ATM withdrawal. And when additional monthly charges for XXXX XXXX ( {$4.00} ) and XXXX (  {$16.00} ) they paid those and charged addition overdraft fees. When I went to a branch spoke to a branch representative about my account, I asked why would they pay these minor charges then charge me overdraft fee. They informed me that I have an " Overdraft Protection Program '' on my account that allows First Financial to pay incoming charges, but they charge {$37.00} for each occurrence. I told her I never agreed to that and signed a document stopping this practice. ( They automatically add it to your account unless you specifically decline it ... but you do not know it even exists ). This is way to rack up fees at the expense of their customers. Had they declined the ATM ( as most other banks would have ) I would have chose a lower amount than to experience an overdraft fee.

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