BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-02
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Dear CFPB team member, I have unresolved dispute issue with Chase. 
I applied for Chase XXXX rewards premier credit card on XXXX and was instantly approved. I waited for ten days and said credit card never arrived. On the XXXX of XXXX, I logged into chase.com and saw two unauthorized transactions on the card. I realized the card was in someone else 's possession and immediately called Chase Fraud Department. 
The two fraudulent transactions happened on the XXXX and XXXX of XXXX in XXXX XXXX XXXX str in the amount of {$1000.00} and {$1000.00}, respectively. 
A specialist in Chase Fraud Department told me that I wouldn't be liable for unauthorized charges and had these two pending transactions declined. The account was closed and I was issued a new card with a new account number. In 4 days, I could see these two transactions fell off of transaction list and completely removed from XXXX billing statement. 
Everything seemed to work out until XXXX. XXXX when those two fraudulent charges got posted to XXXX billing statement. I called Chase and asked why I was getting re-billed for these two once-removed unauthorized transactions. All they wanted was some document/receipt from XXXX XXXX store, where I have never been to in my life, to prove my alibi. I provided them all the documents I could gather and they still didn't think it was enough. They wanted me to prove a negative. 
I live in XXXX, NJ. The only places I've been to recently are XXXX XXXX and XXXX. Because of Coronavirus and stay-at-home order, I barely got out and drove in XXXX through XXXX, let alone drive across to the other side of New Jersey. 
It is possible that USPS might have delivered my newly approved credit card to a neighbor of mine, which i have no knowledge of. Apparently it fell into the hands of someone who really knows how to take advantage of a stolen credit card.

Right now, Chase is holding me responsible for these fraudulent charges. I was upset because I anxiously waited for the new card to arrive everyday for 10 days when Chase wouldn't even offer me a tracking number of the card delivery. And when USPS messed up my delivery, I am the one who has to bear responsibility now. 
I will attach some pictures to help better explain the situation. I have been a loyal customer of Chase for more than 20 years. My credit score is 800+ for more than 10 years. I have a Chase better checking account with more than 80k dollars in it. I can't believe this is the way how Chase is treating its customers. 

Best regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have a Capital One Master card that had a {$7000.00} dollar limit. Capital One decided during a pandemic to lower my credit limit to {$1500.00}. I was never late nor have I ever missed a payment. There decision was based on my minimal usage only. During a pandemic when Americans are stressed out, although I am working, I could be laid off any moment and I have a high risk family member. Capital One has just increased my worries and anxiety. Not to mention this will greatly affect my credit score because it will increase my utilization percentage. They disguised this has them doing me a favor and looking out for my best interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
My reverse Mortgage is being processed by Carrington Mortgage Services , LLC . I logged onto my account and uploaded a completed Borrower Information for Servicing document to change the bank account that funds are to be dispersed to on XX/XX/2023. The form indicated that the upload was successful. Carrington insists that they didn't receive the form. They suggested that I mail the form electronically or via US Mail. Neither of these forms of transmission are secure, and are unacceptable. There are no documents available for upload that do not contain sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Account paid. Reflect negative in my XXXX, XXXX and XXXX report. It unfair to be negative on my report when i was paid. I woould like to remove for all three all 3 credit of report XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: GUARANTEED RATE INC.
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
As a Veteran, I seek complete signed closing documentation from Guaranteed Rate Mortgage Company on a Veterans Administration Refinance that closed in XX/XX/XXXX to investigate irregularities in the processing of the mortgage that have appeared post-closing. The closing was a so-called COVID contact less closing in which documents were dropped by courier on my porch without customary ability to review final signed documents. It has been revealed that required basic closing records including signed versions were never provided to me by the title company Ravenswood Title XXXX XXXX IL on behalf of Guaranteed Rate Mortgage Company. I have called and emailed Ravenswood repeatedly for weeks with NO response. 


Guaranteed Rate ( Mr. XXXX XXXX Sales Rep/Broker NMLS ID : XXXX ) has promised since last XX/XX/XXXX to resolve the irregularities revealed. Since have not received any reply nor response from Mr XXXX or anyone at Guaranteed Rate, I have retained an attorney, Mr XXXX XXXX of the law firm of XXXX, XXXX XXXX  XXXX, to obtain information and documentation in order to pursue these irregularities. Unfortunately, all parties : Guaranteed Rate, Ravenswood and XXXX are now ignoring my Attorney. Need to get their attention to obtain the documents required to pursue resolution. 


First issue is irregularities in disbursements. Broker, Mr XXXX NMLS ID : XXXX, stated there would be an approximate $ 10K tax deposit rolled into the mortgage resulting in a cash out '' that never materialized. I never received an accounting from the Broker, Mr. XXXX. 


Second issue is Mr. XXXX disclosed and committed prior to my application that Rate.com does not sell its loans and my loan would not be sold or assigned. Several months after closing I received an email from another company XXXX XXXX or XXXX XXXX XXXX stating there was a new loan number and payments should be sent to their contact address. I never consented to nor saw the new loan documents creating the new loan number. 

Final issue I uncovered while doing taxes when I realized the payment processor ( XXXX XXXX XXXX XXXX  ) has been charging me Mortgage insurance on my federally guaranteed Veterans Administration ( VA ) loan. Mortgage insurance was never disclosed in the closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: DISCOVER BANK
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was making monthly payments to Discover Student Loans of what I could afford based off of my income alone with other debt owed. My loan was charged off in XXXX despite making $ XXXX  month payments and I was notified in XXXX when I went to purchase a car. The pandemic hit and I was unable to make payments on a regular basis but still made attempts with lower amounts. Every time I called to make/arrange a settlement, the amount asked to pay monthly for 5 years was too high XXXX {$900.00} XXXX. I made a 1 % payment in XX/XX/XXXX to prevent my loan from going to collections, because thats what Discover told me I had to do, and was told to not call and make payments less than 1 % therefore after. I still called every month and payments were refused. When I called XX/XX/XXXX to schedule a payment, I was I informed that my loan was placed with collections and that I signed up for this because I was unable to make the {$1200.00} a month payment asked upon graduation in XXXX. When I asked when this would be reported to my credit bureau, I was informed that Discover last reported to the credit bureaus on my debt owed in XX/XX/XXXX. My credit shows no payments made on these loans since XXXX. Highly unprofessional and sets people up for failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: Linebarger Goggan Blair & Sampson LLP
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Just got extorted for XXXX $ city revenue dept XXXX yrvold waived discharged not owed yesterday told XXXX, $ to get illegally threatening calls debtor threats pay or stay I paid write without prejudice XX/XX/XXXX towed damaged rear end then after that denied pure true accurate ledgers falsified data all the way to the fake hearing sham XXXX XXXX XXXX XXXX where XXXX partnership company liability acts partnership act violations occurred charges as result of bogus tow fees I never received by city streets n sanitation results of computer fraud tampering gross 1692 violations 806 807 violations USC prohibited false communicationcations thru mail n much n bad legal advice intentionally in fact crook judge clerk no master rule filed to practice law,721 act no court compliance much conspiring liee

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2020 {$2000.00} reported by collector on their website, logged into my account for them they over payment options and various offers to settle for a lesser amount. while going through the options on the website, i called their customer service to attempt a one time payment for settled amount. customer service rep told me they couldn't settle for that amount and then proceeded to tell me their website had a glitch and now of the offers would settle my debt. and the only amount that would, would be the {$2000.00}. i asked multiple times about the settle for less amounts and payment options on the website and even cited a recent letter from them that offered all the same options. and we told repeatedly that any payment offer i accepted wouldn't cover the amount of {$2000.00} to pay the debt off and anything less would leave me with the debt still unsettled. their website and a few letters all present the company as these are valid offers to settle. this customer service rep contradicted all of those things.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: TD BANK US HOLDING COMPANY
State: NY
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/2020 I had a positive balance in my account of over {$650.00} and pending items on my account that did not post. I had a check come out that was for {$650.00} now TD bank is charging me an overdraft fee on three items that were pending even though the items did not post. These transactions were small amounts each one under {$100.00} and now I am being hit with {$35.00} for each one. I tried to get the fees waived but was told that they already waived a couple of overdraft fees for me in XXXX. In my experience no other bank treats customers this way, they are out to make customers pay as much over draft fees as possible. Its really predatory. I just want my money retuned I cant afford to pay these fees now that I'm not working.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-15
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/15 I received 6 consecutive calls from Navy Federal in the span of 4 minutes. I was expecting to receive collection activity, but felt harassed by the excessive amount of calls literally back to back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: OPTUM BANK, INC.
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My XXXX account was transferred by XXXX Bank XXXX Optum XXXX around the beginning of XXXX. On or around XX/XX/21, I submitted an XXXX claim to reimburse myself for some XXXX work. My claim was denied and my account frozen/suspended. I contacted Optum XXXX to inquire as to why my account was suspended and I was hung up on twice with no resolution. After calling back again and again, I was finally connected to a XXXX who seemed to be a little helpful, however, this institutions internal policy dictates to the customer when my account will be unlocked and available for my use again. XXXX business days I was told due to my account being cited for fraud. I haven't been able to gain access to my account since XX/XX/21. I feel like my account was transferred to an inferior company with consumer finance compliance shortfalls and technology-related issues that prevented access to my account and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This frivolous account remains on my credit report despite many written complaints to the three credit bureaus. In my First Dispute, I ask that the account be checked and " confirmed. '' According to the three credit bureaus, this company " confirmed '' that this item is being " reported appropriately. '' As a Second Dispute, I request that the First Request be Reinvestigated, because the bogus account is still on my credit report. Following the Second Dispute, the three credit bureaus indicated that this company " confirmed '' that these things were " reported appropriately. '' As a third point of contention, I asked, " Who validated these accounts? '' How did these accounts become verified? Provided me with copies of ALL original documentation ( s ) on files, such as contracts or legally enforceable agreements ( as proof ), with my signature on it pertaining to the disputed account. This company was unable to supply me with a copy of ANY original documentation for this item that I sought. I DEMAND THAT THIS ITEM BE REMOVED/DELETED IMMEDIATELY FROM MY CREDIT REPORT. 
I fully intend to file a lawsuit in accordance with the FCRA to enforce my rights, seek relief, and obtain all monetary damages that I may be entitled to as a result of your continuous willful and careless non-compliance under Sections 616 and 617.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
MY MOTHER XXXX XXXX XXXX DIED ON XX/XX/XXXX AND MY FATHER ON XX/XX/XXXX, WE ALL HAD ACCOUNTS WITH XXXX XXXX XXXX XXXX IN XX/XX/XXXX. FROM XX/XX/XXXX WAS SOLD TO XXXX XXXX XXXX/XXXX/CITIZENS BANK XX/XX/XXXX. SEE ESTATE INFO AND I AM THE EXECUTORS.

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 2018-06-24
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Per XXXX Submitted to the CFPB on XX/XX/XXXX. American Express did not not update me in the 60 days, by XX/XX/XXXX, in which they stated they would do in their first response. 

In Summary of the complaint : In the Month of XX/XX/XXXX I made two payments to American Express for the amount of {$3700.00} and their records have not credited me for one payment. It is found that the payment of {$3700.00} was moved to an interest pay overtime account., so now Im paying interest for money I payed to American Express in addition to them stating I owe {$3700.00}. 
The cause is that in XX/XX/XXXX I paid twice, one manual and one auto-pay both for {$3700.00}. I asked for one payment of {$3700.00} to be refunded back to me, and it was refunded, but their processing of this refund seems to be placed in their pay over time account, so I am now paying for monies on the refund and this is an accounting error on the American Express side. This error can be clearly shown in the American Express provided XXXX  which is the accounting ledger file and if you compare the numbers amounts to that of the statements we see inaccuracy. The discrepancy occurred in the Month of XXXX and I think it may be been one of these two transactions : 1 ) XX/XX/XXXX per Reference : XXXX for XXXX and listed as a credit balance refund. The odd note here is that this refund is listed as a charge to the account. 2 ) XX/XX/XXXX per Reference : XXXX for XXXX and listed as an ADJUSTMENT TRANSACTION PROCESSED BY AMERICAN EXPRESS EXTENDED PAYMENT OPTION. I have called American Express several times to explain the situation and they only seem to send me my complete XXXX statements. Unfortunately, they will not look at the XXXX file as proof of this error and they only rely on their Statements which are part of this error. To further my troubles the American Express agent told me that there is nothing I can do to fix the discrepancy between the XXXX and the PDF 's and I should just pay the amount they see as owed. I estimate that I have spent 11 hours on the phone with American Express and 5 hours on my own time figuring out what the root cause may be. At this point I would like American Express to find where the discrepancy is between the American Express statement and the American Express XXXX file. I do have a statement from my certified public bookkeeper that supports my case in the American Express has performed an accounting error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: AGORA NOTUS, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I got a loan on my title through complete cash, ive been experiencing where when I pay on the loan It would go down on the total amount due then it would go back up '' they are charging very high interest on this loan, I feel like I can't get ahead and this place is very crooked, ive seen where when I make a payment it would go down but next time it goes back up causing me where I can't get it paid, I want something done about this, I found that title places can not charge high of interest, I want this investigated, this place is charging so high of interest you can not afford to pay your title out nothing seems to go towards my balance to lower it, I think complete cash is a scam, they got it where I got to pay this loan back in 6 months I borrowed XXXX they want me to pay back XXXX dollars, under the law you can't be charged 30 percent interest. They are charging way more than that I want my title back this place put under investigation, they had did my step dad the same way and now I am please help I will file with other agencies, I sent a copy of my title pawn interest form, I will also send this to the attorney general and FTC,

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 2018-06-24
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Dear Sir or Madam, I appreciate your taking the time to view this. In XX/XX/XXXX I opened a checking and saving account with Wells Fargo Bank. They were running a promotion of {$200.00} if you met certain requirements on the Checking Account. I called in XX/XX/XXXX inquiring when the bonus would be posted. The lady told me I had qualified and the bonus would be deposited within 45 days. I sent them a message after the required time. I was told they needed an Individual Taxpayer ID even though they have my social security number. They said they would mail me the form I needed. I waited 14 days and asked about the form. They told me I should have received it within 10 days but they would mail another and for me to fill out and take to my local branch here in XXXX, GA. I filled out the form and took it to my local branch back in XX/XX/XXXX. I called just a short while ago and after holding for several minutes I was told there were no bonuses advertised during the time I opened my accounts. I asked why I had been lied to and she said I would gotten a code in the mail to receive the bonus. There she contradicted herself. I know {$200.00} is not much to some but I have jumped through all their hoops for months now only to be lied to once more. Can you please tell me what I need to do as contacting Wells Fargo is useless? I am going to close my accounts but I feel they need to answer for their unsuitable behavior. Thank you.

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 2019-02-18
Company: Experian Information Solutions Inc.
State: NY
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 feel my personal informantion was taken and used to get car loans and credit for numerous lenders i was advised to submit this form to take actions for the fraudulent accounts that was open in my name without my authorization I hope this will bring and to 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 non-monetary relief