BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-04
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I submit Chase Bank is fraudulently extending promotional bonus codes for {$600.00} for opening a new banking account to bring in customers and afterwards finding a reason not to give customers the bonus money. 

On XX/XX/2019, I was appointed by a probate judge personal representative of my mother 's estate. on XX/XX/2019 I went into Chase bank on XXXX XXXX in XXXX, MI. I deposited {$71000.00} into a savings account and {$1100.00} into a checking account for a total of {$72000.00}. Over the years I've received dozens of Chase Bonus solicitations to open up a savings/checking account and receive {$600.00} bonus money. The Chase code # XXXX XXXX XXXX XXXX. The conditions were as follows ; Get {$300.00} when you open a checking account for new Chase checking customers : Open a Chase Total Checking account and set up " direct deposit '' or Get {$200.00} when you open a savings account for new Chase savings customers : open a Chase savings account, deposit a total of {$15000.00} or more in new money within 20 business days, and maintain a {$15000.00} balance for 90 days or get {$600.00} when you do both ( an extra {$100.00} bonus ). When I gave my Chase bonus coupon to the lady who opened the account she indicated the computer would not accept the coupon. I went home and called Chase customer service and they informed me the coupon did not appear as a valid number. I informed the representative ( XXXX ) I have several of these coupons over the years and they came through the United States Postal Service they are genuine. I was referred to a supervisor and the result is Chase Bank is refusing to comply with their advertisement. Chase Bank sent me a Bonus Coupon XXXX XXXX XXXX XXXX with the offer to give me a {$200.00} bonus if I opened a savings account of {$15000.00} within 20 days of establishing the account, I made an immediate deposit of {$71000.00} nearly five ( 5 ) times the amount of {$15000.00}. Upon the expiration of ninety ( 90 ) days, I will have complied with all demands of their advertisement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello XXXX XXXX here. My MTG was bought from MBNA by Fifth Third Bank. Had an insurance claim start under MBNA, they sent me my check and withheld 10 % until completion of work. For another check after Fifth Third Boght my MTG and. Now they won't release funds until I have signed contracts and W-9 s from the previous contractors. Well that's not right. They should not be able to apply their method to work done while they weren't the MTG holder. Now they want me to call back contractors and get this paperwork for jobs completed months ago. Not to mention some of that paperwork is in any garage because the house is a mess and all the furniture is in my garage. Now they are essentially telling me to get paid check receipts and send to them and maybe that will work. Maybe? This is crazy I have an $ XXXX home with a $ XXXX MTG and forget forget about the $ XXXX insurance check, I've upgraded $ XXXX in this home that they hold as the asset. Now they are holding {$11000.00} until I get this paperwork. I'm sure I'm not the only one they do this to? Just jerking me around to keep my money. Absolute scumbags. Go stop them from screwing homeowners. It's kind of your job! As you can see from the pics attached the work is moving along nicely. 
What's done : Floor and walls and basement Drop ceiling basement HVAC Basement Refinish Hardwood 1st floor New banister and railings Drywall completed Ceilings and walls painted Installed hardwood in Master bedroom instead of replacing carpet Paint Master Bedroom Left to do : Master bath Tile Tub and shower. It's incredibly frustrating to be treated like I'm stealing the money and to not be trusted as grown adult. Just stupid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is not a valid debt. This debt is from XXXX with XXXX XXXX XXXX XXXX and was resolved with XXXX XXXX XXXX. I have also signed up with XXXX XXXX XXXX for internet and was required to go through a credit check with XXXX XXXX XXXX and other XXXX XXXX XXXX companies. This debt is from XXXX with XXXX XXXX XXXX XXXX and was resolved with XXXX XXXX XXXX. It was resolved as paid in full. I have not entered into a contract with AFNI and the debt did not originate on XX/XX/XXXX. That date is not correct and should not be used even if this debt had not been taken care of with the original creditor. It was resolved as paid in full. I have not entered into a contract with AFNI and the debt did not originate on XX/XX/XXXX. That date is not correct and should not be used even if this debt had not been taken care of with the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The collection agency below was not updating payments submitted directly to XXXX XXXX and reported the account as unpaid. Account was under payment plan with XXXX XXXX directly. 

SEQUIUM ASSET SOLUTIONS INC XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX The report is inaccurate and XXXX  XXXX  has already contact them to resolve the issue and remove the incorrect report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Already settled issues with Rash Curtis over XXXX XXXX XXXX XXXX Ca it was found that the bill was paid since I have medical insurance all I owed was a deductible which was {$100.00} and I paid that to Rash Curtis and associates now they have filled again for the same issue and have damaged my credit over the same issues had to resolve issue due to myself buying a home time was XX/XX/2019 when it was resolved the first time spokes with a supervisor name XXXX and an employee named XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was scammed Saturday XX/XX/XXXX. I bank with usaa and and I realized what was going on I immediately hung up the phone and called USAA. The representative was very helpful we went through my entire account changed all my security settings and everything everything was fine then all of a sudden my account was frozen on Sunday I have spoken to these people all day everyday and I can not get in touch with a higher authority and they're telling me they're closing my accounts I'm freezing my money for 60 days. I've feverishly tried to find out how to send in all the documents proving how this happened and they just don't care. All of mine and my husband 's deposits go in these accounts. I can't pay any bills or even get gas money. I don't understand why the ceo or vice president will not respond. I can not even speak to whomever is supposedly investigating the account. I can't even get an email address to send these documents to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: LoanCare, LLC
State: HI
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I 'm so frustrated with this company. First off we had an amazing company that sold off our loan to this one and we were XXXX overseas. 

Immediately, i had issues paying online so had to call in our payments monthly, which I had to pay an additional {$15.00} just to pay by phone. When I FINALLY was able to get a real customer service rep on the phone he had an extremely poor & aggressive attitude and when I stated we 're military XXXX  overseas and surely we were n't the only customers of theirs that could not access the website he stated " Well obviously NOT, our website is for US residents only ... '' Like who thinks it 's ok to talk to someone this way? So because we were XXXX overseas we get penalized by LoanCare and forced to pay additional fees just to make mortgage payment?! 

I am currently trying to pay our bill, we now live in Hawaii and able to access the site online but for 3 solid weeks I have not been able to get a single person on the phone. I get prompted to leave a number and the next available team member will call but I 'm certain they just dump that list and never call anyone back. I have sent multiple emails with no response other than an automated reference # that the email had been received. 
I wish we were in a position to refinance with someone else. This is completely absurd. 
I have reset my password 3 times and still it 's telling me that it is incorrect.

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 2018-01-15
Company: EQUIFAX, INC.
State: OH
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 had initiated several disputes with Equifax on XX/XX/XXXX. The date the investigation was to be completed was XX/XX/XXXX. As of today, XX/XX/XXXX, the investigation is still pending and I have accounts still showing delinquent when, they dont belong to me or should have been paid by the third party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX and XXXX XXXX XXXX have contacted me stating that I owe {$4000.00} to Citibank USA N.A.  with an original date of XX/XX/XXXX and a change off date of XX/XX/XXXX I did send them a certified letter on XX/XX/XXXX stating that this debt is not my debt and to cease and desist letter however instead they did utilized my information and send me back a " computer generated verification '' with my information typed on a blank paper pretending this is my debt however they never send the original document signed with my information in the original document as stated in Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA. they have Illegally and fraudulently utilized my information to collect a debt that is not my debt due to the fact that I have never had any business with Citibank.

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 2022-01-11
Company: LEXISNEXIS
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:
I CONSUMER, XXXX am submitting a complaint against company XXXX XXXX for violation of federally protected law codes 15 USC 1681 ( a ) ( 4 ) " infringed Upon a Consumer 's right to privacy '' and 15 USC 1681b ( a ) ( 2 ) " No permissible purpose/No written instruction. On the XXXX of XX/XX/2021 I wrote a letter to the company in regards to those violation in an Affidavit of Truth, the USPS tracking showed that the Affidavit of Truth was received by the company on the XXXX of XXXX in the morning. The company has not responded and now it has been over 40 days since they received the letter. The company in violation of the two listed codes and I intend to file suit in federal court if this does not get settled as soon as possible. The company did not have a permissible purpose nor did they have my written instruction. This company 's action is causing damages to my character, as a consumer I will be seeking maximum allowed remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: EdFinancial Services
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
EDFINANCIAL XXXX Installment Unknown XXXX XXXX, XXXX EDFINANCIAL XXXX Installment Unknown XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Installment Unknown XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Installment Unknown XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Installment Unknown XXXX XXXX, XXXX XXXX XXXX XXXX XXXX - Installment Unknown XXXX XXXX, XXXX XXXX XXXX XXXX XXXX - Installment Unknown XXXX XXXX, XXXX XXXX XXXX XXXX XXXX - - - Installment Unknown XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I mailed my mortgage check XX/XX/XXXX. When not processed, I called every few days to see about next steps and avoid a late fee. I was told that after XX/XX/XXXX there would be a late fee. I called XX/XX/XXXX and they said my check had not been received. I made one online payment of {$1600.00}. On XX/XX/XXXX my bank account had the check received on XX/XX/XXXX and my debit as well as an unauthorized and extra charge to my bank via online for {$1600.00}. I called and SPS XXXX said that I could request my check be refunded. It may take 7-10 business days. I have called daily since XX/XX/XXXX. I have escalated to three managers. I have been told to call my bank and dispute charges, to keep waiting, that their processing is behind, that there is nothing they can do. 
I now have not been able to pay my own bills including my business 's rent. It is now XX/XX/XXXX and it is still not in my account. I log in and there is no way to see any amounts paid in the past. It is not shown, must be requested to be mailed. I also only received one email for my one online payment and it did not list the amount charged. I feel this company is using predatory measures to receive payment, late charges, etc. by holding checks, and making unauthorized debits despite consumers stating One Time on the website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am trying to access my account from another application with my username/password and CapitalOne is blocking it. Custom rep on the phone said they ca n't do anything to unblock it and claimed it was for my own protection in light of things like the XXXX breach. That does n't make any sense because I am trying to authorize myself to use my own account, and clearly the information is already store on Capital One 's servers either way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: AES/PHEAA
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hello! 
I have a direct unsubsidized consolidated loan through US DEPT OF ED. I am eligible for PSLF and have submitted my ECFs on time every year. I should have 30 qualified payments but Fedloan has only 15 counted. I called them on XX/XX/XXXX and was told my account was under review. I called again XX/XX/XXXX and nothing had been changed. I called again today, XX/XX/XXXX and they have not updated my count and have no timeline to do so. I would like to qualified payments updated since I have done my job by submitting my employer information each year. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX a Home Depot XXXX XXXX Credit Card was opened in my name without my permission. It was used and I was made aware of the card in XXXX  after receiving a bill. It was immediately reported. I have never applied, received, or used ANY type of card for this store. I reported it to the store, to no avail. They could not help me. They told me to file a police report and nothing else. I reported it to the credit bureaus, and froze my credit. I also setup fraud alerts regarding any use of my credit. They will not stop harassing me, and I have told them everything I could. I would never open any new card accounts knowing that I wouldnt be able to fulfill my end of the agreements for payment. My only income is social security. I am a XXXX XXXX and all of these harassment calls are elder abuse. This is just one of 6 cards fraudulently opened in my name, including attempts to open new accounts. Money was also stolen from my bank account. Money that I was desperately depending on. Money that my husband and I inherited, it was a small inheritance, but it was everything we had.

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 2020-04-29
Company: PNC Bank N.A.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I am trying to verify my PNC account with this account so I may transfer funds and save money in this account. 
It seems I am unable to due to some rule you have in place. 
Is there a way to " allow '' this account access?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SLS Mortgage, after 15 years of payments, juxtaposed ( front to back ) request for extended forbearance ( REQUESTED PRIOR ) with request for loan modification AFTER LOAN MODIFICATION WAS APPROVED AND SLS ACCEPTED FIRST OF THREE PAYMENTS AFTER MORTGAGEE ACCEPTED MODIFICATION ( mortgagee was sent paperwork verification of proposal of modification ). After receipt of loan modification proposal, mortgagee sent FIRST PAYMENT ACCORDING TO PROPOSED DEADLINE. 
SLS counters by FRAUDULENTLY CITING LOAN MODIFICATION REQUESTED PRIOR TO REQUESTED EXTENSION OF FORBEARANCE. 

SLS MORTGAGE STATES BOTH EXTENSION OF FORBEARANCE AND MORTGAGE LOAN MODIFICATION DENIED. 
We possess sufficient documentation to the contrary, SENT BY SLS This doesn't even make sense ; SLS up to old TRICKS AGAIN?! 


XXXX XXXX : XXXX. 

MORTGAGE HOLDER : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) listed as property tax payer ( tax payer credit hijacked by SLS MORTGAGE ; Instiuted subsequented in prior loan modification XXXX ( Assumption is, that it gives greater legal foundation to SLS should foreclosure be sought ) Note : XXXX XXXX 100 % XXXXXXXX XXXX XXXX 4x week, 100 % XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX XXXX XXXX 

Date of foreclosure initiative : XX/XX/XXXX Cited, by SLS representative, XXXX, on XX/XX/XXXX when mortgagee attempted to make SECOND PAYMENT ON APPROVED LOAN MODIFICATION, SLS REPRESENTATIVE STATED THAT NO SUCH MODIFICATION HAD BEEN IN PLACE AND THAT IT WAS DENIED AND FRAUDULENTLY STATES IT WAS AFTER LOAN MODIFICATION WAS DENIED THAT FORBEARANCE WAS REQUESTED, WHICH ALSO WAS DENIED. 

In truth : FORBEARANCE WAS REQUESTED PRIOR TO REQUESTED LOAN MODIFICATION REPRESENTATIVE failed to cite dates of forbearance request. 

NOTE : ALL DOCUMENTS REQUESTED BY EMAIL NEVER SENT ALL DOCUMENTS REQUIRED BY MAIL, NEVER RECEIVED. 

Amount of demand : Between $ XXXX Note : REPRESENTATIVE XXXX STATES IF TOTAL AMOUNT IS PAID by XX/XX/XXXX, XXXX NO MORE PROBLEMS! 

SLS REPRESENTATIVE XXXX advised PAYMENT and received, {$500.00}, as XXXX was MORTGAGE payment when forbearance began in XX/XX/XXXX. Hinting it MIGHT prevent foreclosure, because of the overage of {$2.00} but she couldn't commit to anything. Stating that the overage would be applied to past due amounts. 

Call me skeptical, I don't believe it. 

Mortgagee in XXXX related INTENSIVE CARE soon thereafter, XX/XX/XXXX, already ill when forbearance was approved through AUTOMATED SYSTEM. 

SLS MAY JUST HAVE NOT UPDATED SUBSEQUENT FORBEARANCE POLICY AND THIS IS A GLITCH. 
XXXX XXXX DOCUMENTS TO FOLLOW XXXX HOME NUMBER -- Sent from XXXX for 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 2019-07-22
Company: TOLL BROTHERS INC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was never provided a closing disclosure for my settlement. I did receive a document at the settlement table. I contacted the lender tbi mortgage many times and was never able to obtain a closing disclosure or an amount to have wired for settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX sent Merchants and Medical my detailed medical information without my written authorization they have what was performed while I was in the hospital what medication I was given full details which is violating the HIPPA law also they do not have a sign contract to have my medical information so there for I do not have a contract/debt with their collection agency and have written them several letters asking them for proof of my signature for them to have my information and all they can send me is a copy of the bill this debt needs to be removed from my credit report other bureaus I have contacted have removed other medical because of this very same reason but they will not and it is against the law! They also deleted it and relisted it as well

Company response to consumer: Closed with explanation