BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Jp morgan Chase attempted fraudulent charges against my new account after a fraud alert was placed upon an old checking and savings account. I did not accept any outside checks to my compromised account.Only US treasury checks which I receive from the US XXXX XXXX  and the XXXX.US XXXX  which do not bounce.After notifying the bank of the error. I was billed against my new account from the previous denied checks.When asked who sent them or how did they get into my account. I was told nothing concerning this. Speaking to their several departments of customer service, check claims.on-line banking and their fraud dept. Nothing has been done. I living on a fixed income can not comprehend the callousness with whichever they handled or should I say not handled the matter, but began the game of stonewalling against they obvious mistake. I have no finances with which to recompense their fraud and am now appealing this case to you for further inquiry. I did make an initial over the phone claim where I was recorded and type casted into the consumer financial protection agency 's system by a very competent operator. Unfortunately I can not find the complaint number. Please verify my complaint against this financial institution having them to retract this false amount of {$700.00}. against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
There are 2 medical bills that are on all 3 of my credit bureaus that are not mine. I noticed the bills this weekend on XX/XX/2018. I was referred to the Consumer Financial Protecon Bureau and demand you to delete this misleading information in order that it show my true credit history. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
Us bankreliacard basically not providing information about my account being lock, trying to hold ny funds against my well, hanging up in not being Professional about the situation I saw they hang up the phone place me on hold for more than 2 or 3 hoursThe manager also told me the same thing to call representative is saying I have to keep sending my identification two forms of identification in a tax 2019 formAre they keep telling me is to wait so many days so many days time so I might I have to have for {$2000.00} and something on his card there a hold of my money is my will, They are lying telling me that PUA is the one to have to hold on my card, But really theyre just lying they also telling me that they can not give me the routing and account number for this account of mine pretty much giving me the runaround can you help me

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 2020-07-27
Company: BARCLAYS BANK DELAWARE
State: MA
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:
On XX/XX/XXXX i learned that I sent Barclaycard ( my XXXX XXXX credit card ) an ACH payment of {$7500.00} from the wrong account and it was returned for insufficient funds. I was told by Barclaycard customer service that they would retry the payment within 3 days or I could call and pay the amount over the phone to avoid a late fee and/or interest. To correct the error I did an immediate transfer of {$7500.00} to the same account the original ( in error ) payment was taken and called Barclaycard that evening ( XX/XX/XXXX ) to make a payment directly from that checking account, using my account number and bank routing number. The payment was processed and posted on XX/XX/XXXX. Barclaycard also put through the retry ACH payment on XX/XX/XXXX, which then was also processed on XX/XX/XXXX and returned for insufficient funds. Of the two payments of {$7500.00}, one was never credited to my account despite me sending my bank account statement showing the funds were sent to Barclaycard and withdrawn from my bank account. I have worked with my bank ( XXXX ), the bill pay company ( FIS ) and apparently the payment was sent to the wrong account number at Barclaycard and they are unable to find it or credit my balance despite me providing the Federal Reserve tracking number for the payment. I have also been working with The Mayors Office of Consumer Information, and despite their numerous letters they sent, Barclaycard would not respond To them so the director ( XXXX XXXX ) advised me to file a complaint with your agency.

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 2020-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have attempted numerous calls with the credit bureaus in attempt to remove collection accounts which were a result of identity theft. I have submitted my identity theft report from the XXXX  about 8 times in the last two days. Each time I call they advise that they have not received, but on the website, it advises that information uploaded will be received the same business day. I have requested another form of expedited uploading, such as email or fax and they advised that the only way is US mail or upload through the site. They will not remove the collection accounts, despite me advising them I have an XXXX report for identity theft.

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 2018-05-02
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Last year ( 2017 ) in XX/XX/XXXX I contacted Coinbase to regain access to my account, I emailed them and they told me steps to recover the account. Their website wasn't working correctly and I wasn't able to gain access. I emailed them back and forth 12 times in a long email chain where they said I would need to create a new account and that they would transfer my funds to that new account ( which is utterly outrageous and amateurish ). I created a new account just like they asked and emailed them the information and got NOTHING back. They haven't even acknowledged my existence since XX/XX/XXXX. It's disgraceful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Experian Information Solutions Inc.
State: NY
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:
I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.

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 2021-07-17
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is not mine. This was a result of identity theft back in 2019. I was harassed by this collection company multiple times through email so I hired an attorney to help me. 

My attorney wrote to them : Dear Sir or Madam : This law firm is legal counsel to XXXX XXXX XXXX XXXX, your account number XXXX. All further communications regarding this matter should be directed to this Firm. This is a disputed / fraudulent debt and has already been reported as such to the numerous reporting agencies which have resolved this matter in our favor many months ago. This bad paper keeps getting passed around. 

If you have any paperwork to the contrary showing the debt is still valid and not fraud, please forward same to my attention. Otherwise, I assume you will be letting your client know that no further action shall be taken on this matter. 

Kindly be advised of your obligations under the Fair Debt Collections Practices Act. Be guided accordingly. 

All of XXXX XXXX 's expressed or implied rights and remedies at law and equity are hereby reserved. 

XXXX XXXX XXXX, XXXX XXXX XXXX of XXXX XXXX XXXX As soon as this email was sent, the harassment stopped but now about 4 months later they have posted this collection in the amount of {$14000.00}. This is collection that stemmed from a loan that was claimed identity theft back in 2019 is now on my credit and affecting my life. 

This collection needs to be removed ASAP because it is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have an existing complaint in with XXXX  XXXX XXXX. I have applied for Public Service Loan Forgiveness, original application date of XX/XX/XXXX. It appears that they have tried to appease the complaint, however not to my satisfaction as the information they have fed back to me is grossly inaccurate. 

I have been employed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a XXXX  XXXX XXXX XXXX XXXX XXXX organization since XX/XX/XXXX. My Human Resources director has verified this with XXXX  XXXX XXXX, and they told me they have record of that verification. 

I have recently received a letter from XXXX XXXX XXXX stating that my beginning date of employment was XX/XX/XXXX ( the date I applied for PSLF, not the beginning date of my qualified employment ). They are only counting payments that were made from this date, which is 11 payments. This is inaccurate, and I believe they are only counting payments that were made once I applied for PSLF and my loan was transferred to them as a servicer. I was previously serviced by XXXX and XXXX. I have made every single payment on time since my employment began in XXXX, so I should have around 80 qualifying payments. This means they are putting me about 6 1/2 months back in the whole process of loan forgiveness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-19
Company: Nationwide Recovery Systems, Ltd
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX they trying to collect 2 old account? Each one for XXXX $ For total XXXX I always explain thats was identity thief Im tired to explain my self to this company they take off account or get another Company and bring it back to me credit. Im not going to pay this I never get any service with them or any other company they need to leave my credit and me alone is upset me all the time they doing the same I dont receive any service from XXXX XXXX  or XXXX XXXX  back in the day! Please take it down of my credit always I send police report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have requested validation from XXXX XXXX XXXX, they have failed on numerous occasions to provide this information. I have recently been informed that there is negative information reported by XXXX XXXX XXXX. This account was previously removed from my credit file. ( PLEASE SEE ATTACHED DOCUMENT ) Upon reviewing a copy of my credit report, I see a derogatory account with a balance of {$490.00}. I challenge the accuracy, compliance and reportability of this listing. XXXX XXXX XXXX has yet to provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from my credit file. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Attorney General 's Office Cc : 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
Consumer complaint received 2021-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I recently sent a dispute letter to TransUnion, XXXX, and XXXX on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

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 2021-05-25
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I made payment on the XXXX of XXXX for XXXX XXXX it was debited from my account on the XXXX I was told by Wells Fargo I didnt have funds to cover it in my account when I did XXXX notified me that the payment was immediately debit from account but Wells Fargo hit me with over draft fee of XXXX XXXX  also I made payment on XXXX XXXX that was immediately debited from my well Fargo account and because at the time it was money there to use my XXXX XXXX which do not place a hold or wait period its immediately debited from my Wells Fargo account also I can not even use my XXXX XXXX  if there were not funds in there to cover it Wells Fargo is stealing my money I want to report it and file a complaint

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 2018-12-23
Company: AMERICAN EXPRESS COMPANY
State: NY
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 rewards from credit card

Complaint:
Hello, I am a definitely an XXXX value customer, and I spend most of my money on XXXX card and stop to use the credit cards from other banks, like XXXX, XXXX. Because I pretty enjoy XXXX excellent customer service, and they also try to help me solve problems as possible. Meanwhile, I also recommend XXXX cards to my friends and families, tell them how XXXX cards better than other banks. However, recently I have a problem sinceXX/XX/XXXX which I was trying to transfer some Membership Rewards ( MR ) to miles of XXXX airline partners, so it already been like 3-4 months, during this time, include some holidays like XXXX XXXX, XXXX, I tried to redeem some flights to vacation with my families, but I CANT!! XXXX web shows : '' This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I also try to talk a lot with XXXX customer services representative, even some supervisors, they are nice and just let me wait, but it is not really helpful, some customer service told me that it will take like 6-8weeks, I say : OK, I will wait for that!! NOW, it almost like 4 months which is 16 weeks, the problem is still not solved, and I still try to negotiate with XXXX customer service department, they still just let me wait, and they said they do not know how long the process will take ... XXXX 
Really???? I am very very very sad, disappointed, which is the first time since I touched XXXX, I have a lot of credit cards with high annual fees, I paid these fees because of the XXXX great services and benefits, so it worths. BUT NOW, IT DOESNT WORTH ANYMORE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My overage in payments was not applied to the principal. The company is applying overage in payments to interest.

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 2021-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit 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 been in contact with Bank of America, attempting to retrieve my stolen funds in the amount of {$370.00} since XX/XX/2021 with no success. I have reopened the claim several times and they continue to auto-close the claim.

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 2019-10-22
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I purchased AmEx Serve prepaid reloadable card and it was sent to me by mail in XX/XX/XXXX. They charged fees every time you reload this card. In XX/XX/XXXX I experienced problem with transaction and notified AmEx Serve. They responded but never provided Statement of disputed transaction Form. Further problems occurred why using this card. After merchant issued credits, refunds AmeEx Served would hold on to money and wouldn't cred it for 15-35 days on my account, obviously holding it up to accumulate interest. It happened at least 9 times, during which I wasn't able to have access to my own funds, wasn't able to pay bills, medical bill, or purchase food and I accumulate debts because AmEx Serve would hold hundreds of dollars not releasing them. I initiated another dispute in XX/XX/XXXX which was never resolved by AmEx Serve. The worst part was that trying to reach supervisor or someone who would explain why they are holding up my funds. There were times when I spent 2-3 hours on a phone. One day I documented speaking with XXXX who put me on hold for 18 minutes, then it was XXXX who transferred me to XXXX and after that XXXX. Was over 1 hour. They intentionally jerking you from one person to another and wouldn't release funds, while printing Statements showed that merchant issued refund and I reloaded card but funds would not be available! Another day I spoke to XXXX who put me on 26 minutes hold, connected with XXXX, then XXXX and then XXXX. This intentional financial abuse of Consumer who can't use its own funds! The same happened at the end of XXXX. 
I filed complaint with FTC # XXXX in XXXX which entered into their database. Total I spent over 9 hours on a phone, mostly holding a line dealing with these issues. It was similar situation in XXXX when merchant issued a refund of {$90.00} first week of XXXX and at the end of XXXX AmEx would still hold on to my money and not credited my account. That when I filed claim with FTC nor aware that they can't enforce AmEx to reimburse me money lost, but rather filing class action when they have significant amount of complaints. AmEx had astounding amount of class action Settlements against them for different violation of State and Federal law. I know, because I was class member, notified on at least 3 occasions. But in this particular situation I had lost {$390.00} because of these ongoing fraud by AmEx Serve not able to use my money, while they continued charging me all kind of fees. I want XXXX reimburse me {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This complaint is with Lakeview Loan, subserviced by XXXX. 

On XXXX~closed on the sale of the property. We, the sellers, had a mortgage through aforementioned company. Escrow overage at closing was {$4100.00}. 

On XXXXcalled the XXXX toll free service line because the escrow overage check in the amount of {$4100.00} from closing had not yet been received. Was told that a check was issued XX/XX/22, but was mailed to the sold property address, not the address on file for the account ( our current address, as the sold property was a rental property ). Were also told, despite the error in sending the check to the incorrect address, that we had to wait 30 days for a check to be " reissued. '' We were informed that if it didn't " show up '' by then, we could call back XX/XX/22 and request a reissue. 

On XXXX the XXXX toll free service line to request a reissue since the check never showed up at the sold property nor had it been forwarded to the proper address. XXXX, the operator who took the call, told us that the check had in fact never been issued on XX/XX/22 but now it " should be '' mailed out within XXXX days. This was contrary to the information I was given on my previous call on the XXXX. 

Upon researching, I see that mortgage companies are required by law to refund escrow overages at closing within 20 days, as stated here on your website, per cfpb 1024.17 ( b ) ( 1 ). I feel as though I have been patient and am taking steps needed to ensure a swift response, I do not feel as though waiting 10-14 more days is a satisfactory resolution when the mortgage company is clearly in violation of federal law.

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