BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-27
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I 've been a Chase cardholder for about 4 years and never missed a payment. I had 2 credit cards opened and tried to make purchases and found they were n't working. After contacting Chase I was coldly told that Chase does n't have to explain why they abruptly closed my accounts and they have a right to end the relationship.It is very bothersome as most of my credit was on these 2 cards. Furthermore, their actions will negatively affect my credit score and I have done nothing other than trust Chase with my credit score. I 'm very disturbed and would like an answer. I would also like to warn consumers that  Chase should not be trusted, they can ruin you with a heartless bat of an eye. Try XXXX, they care and are much more reliable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$27000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, XXXX # XXXX, DO : XX/XX/XXXX, Amount {$13000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX Card, AC # XXXX, DO : XX/XX/XXXX, Amount {$11000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX Bank, XXXX # XXXX, DO : XX/XX/XXXX, Amount {$10000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.

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
Consumer complaint received 2020-04-25
Company: Statebridge Company
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We re-financed our mortgage on XX/XX/XXXX. As part of the settlement process, our mortgage with Statebridge was paid off IN FULL on XX/XX/XXXX. At the time of payoff, we had an escrow balance of {$4800.00}. 

On XXXX, I called Statebridge to inquire on the status of our escrow refund. I was told by the Cust Svc Rep that the " Investors '' needed to approve the refund and that it usually took 30 days. I communicated to the Cust Svc Rep our sense of urgency of getting our escrow refund, due to the financial uncertainty associated with the Covid-19 crisis. She said there was nothing that she could do to expedite the refund, and I then asked to talk with a supervisor. I was transferred to XXXX, and re-iterated the same concerns and asked about getting our refund expedited. I was shocked by the attitude and rude demeanor of XXXX, who essentially accused me of trying to leap frog everyone in front of us and said " you're all in the same boat ''. XXXX does not know our financial situation, and her callous response was both unprofessional and ill-informed. She ended all by saying that " we have 30 days to return your money '' so you'll have to wait the 30 days. 

On XX/XX/XXXX, I called Statebridge again to inquire on the status of our escrow refund. I spoke with XXXX, who indicated to me that the refund process is 30-45 days. This was inconsistent with the timeline that I was given on XXXX. I again re-iterated our sense of urgency in getting back our escrow money. XXXX indicated that he would send an email to Statebridge Cashering to inquire on the status of our refund, but I never received an update. 

On XX/XX/XXXX, my husband called Statebridge again to inquire on the status of our escrow refund and spoke with XXXX. My husband again re-iterated our sense of urgency in getting this money back, and XXXX told him the process could take up to 45 days. When my husband pushed back, XXXX indicated that he would open up a case. When my husband asked for the Case # ( for reference purposes ), he was told that he couldn't have it. This was the LAST straw!!! 

At this point, our loan with Statebridge has been paid off for over 30 days, and we're getting ready to make our first mortgage payment with our new lender. Meanwhile, Statebridge is still hanging on to OUR {$4800.00} escrow funds. It's abhorrent that a big company like Statebridge would take advantage of the " little guy '' during this unprecedented pandemic when many people ( including us ) are experiencing financial anxiety. This complaint is our " next step '' in getting this company to do the right thing and return our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: Diversified Consultants, Inc.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Signed up with XXXX XXXX for a bundle of cable and Internet. However I chose to switch to XXXX XXXX and cancelled my account. After returning all equipment and etc I started receiving phone calls from a collection company. I tried to dispute twice already and they stated that I could n't. Reason being is because they said they sent me an email stating that if I ended early on my XXXX XXXX that I had to pay {$450.00} just for cancelling the internet. I check my email and have no email stating that information. Therefore I feel like I do n't need to be responsible for this debt due to me not receiving the email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: EQUIFAX, INC.
State: MT
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:
XX/XX/2021, XX/XX/2021 Equifax mailed me a letter stating the investigation was complete dated both dates respectively. After two attempts to have this debt verified or deleted and there still being errors I am reaching out for help. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: Experian Information Solutions 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:
The Tradelines XXXX XXXX XXXX are outdated and paid, I have asked the credit bureaus to remove these invalid tradelines because they are hurting my credit reporting.

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 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 contacted TransUnion via mail with a letter stating that I do not recognize several inquires in XX/XX/XXXX. I have contacted TransUnion without receiving the resolution. I have a fraud alert placed on my account. I have been in the credit burea system since XXXX in which I was XXXX years old. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These all should be removed per my letter I sent to TU

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 2017-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Below I have copied an email that I sent ( on XX/XX/XXXX ) to XXXX XXXX with Bank of America. I received a response the same day saying that they would look at this matter. And, the gentleman said he has had cases like this that they were able to refinance. The following day however he contacted me and said he took it to their board and they can not refinance. ++++ Dear XXXX XXXX, I spoke to a gentleman in the mortgage department in regards to refinancing my property which I bought in XXXX. He informed me that the policy has been changed and Bank of America will no longer work with condo hotels. 

I understand that there are policy changes and that you will no longer accept applications for condo hotels, however Bank of America has had my mortgage for 12 years. Whatever the policy change the fact is that you already have my mortgage and I have been a customer of yours for that time. 

You can not change the policy and negate working with you current customers. Everybody else is taking advantage of low rates but not if they are with Bank of America because they changed the policy?? 

My property is in XXXX XXXX. It is now doing {$130000.00} in annual rental income and has over {$600000.00} in equity. When I originally requested financing with Bank of America it did not occur to me that Bank of America would change the policy about condo hotel mortgage re-financing. 

Again, let me state you already have my mortgage and no funds are to be issued. All I ask is to refinance the note for a longer term. 

I appreciate your time and effort to help with this matter.

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: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Citibank is ripping off customers by charging overdraft fee on top of overdraft fee. I was credited a overdraft fee on XX/XX/XXXX and signed up for overdraft from savings to checking. However yesterday after speaking to a representative my account was at a positive but Citibank charge me another {$34.00} again for the overdraft charge that i was credit for. So basically they charged me {$34.00} on top of the {$34.00} that they caused the account to overdrawn.

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 2019-10-10
Company: AMERISAVE MORTGAGE CORPORATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hi, I've started working on my refinance application on XX/XX/XXXX ... and in XXXX i had to walk away after closing costs increased over 2 times and {$500.00} i prepaid for the application. 
Every promise Amerisave made was a complete lie ... .and nothing was in the end the way they promised it. 

Amerisave from the day one was focused on collecting {$500.00} with the bait and switch approach. They quoted me rate which was good before I paid initial {$500.00} fee ... .after fee was paid the rate and the amounts of closing costs kept changing. 
In the end they said that because my condo with mortgage of $ XXXX was appraised for $ XXXX and not $ XXXX the rate needed to be higher ... which is complete nonsense since I refinanced homes before and once you have 40 % equity it doesn't matter. 

Their entire selling technique is based on ensuring that you out {$500.00} and once that happens the original terms are out of the window! 

Scammers!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: AES/PHEAA
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 been requesting XXXX to unlock my account for over a year. I am unable to manahe my loans. I complained at CFPB and XXXX promised they would unlock ot. Yet my account still remains locked, and XXXX does not reply to my mails.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Basically, I think back in XXXX or XXXX I had an account at Bank of America and I was involved in a scam fraud case. Some XXXX XXXX American male sent me a direct message on XXXX and he wanted me to send him my banking account info. I said yes foolishly not knowing the consequences of my actions. And he proceeded to take money out of my account. 

After that I was told by my best friend 's mother to call the police and I did so after further looking into my Bank of America XXXX account in the banking app. So after that, I called the authorities. Then, amid my bewilderment, XXXX and behold the police said that indeed the young man was attempting to use fraud against me. 

He had weapons in his photos on social media. XXXX and such I suppose. 

Then after I reported the fraud case to proper authorities, they let me know to follow up with any leans in the case. 

An officer visited my household and handed me a card with all his information on it. 

I accidentally misplaced the card. 

Haven't been in touch since.

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 2021-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My name is XXXX XXXX. I have been communicating with Capital one bank for months to withdraw the CDs money that I opened for my XXXX children but the bank claims that they can not find the record of these CDs. I have the original bank document for all CDs and bank is agree with it. 

Initially, the capital one bank stated that the money went to the sate then I claimed to state but the state could not find it and provided me a form to be filled out by the Capital one bank so they locate the fund but the bank refuse to fill it out. I opened 3 CDs accounts for my XXXX  children for their collage fund long time ago. These are custodian account which my name and my kids name are on the CDs. If requires I will provide a copy of these three CDs. Please let me know XXXX XXXX CD- the amount is {$10000.00} XXXX XXXX CD- the amount is {$15000.00} XXXX XXXX CD- the amount is {$10000.00} Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Hello, I have been receiving numerous calls from a phone number of XXXX and XXXX everyday stating they are calling from an arbritration firm that has an acct with my info assigned to it from XXXX parish court ruling, stating that I owe Ace Cash pay day loan from 2018 for a total of {$980.00}. They were very aggressive and wanted my debit card info to settle the debt. They gave the names of XXXX XXXX and XXXX XXXX XXXX XXXX. I tried to call the first number back but it automatically hangs up. I tried to call the 2nd number and they answered stating my full name. They claim that they are calling from XXXX XXXX but I XXXX  the numbers and they come up as a landline to a residence in XXXX, La which has a different area code. They offered to email me some info regarding the judgement that they have against me but I never received anything. They reported to me an old address that I used to have, the last 4 digits of my SSN and my date of birth.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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 customer service

Complaint:
To summarize, when talking with an account supervisor for Capital One, I was told that, " you need to spend more on your credit card '', despite having mentioned that spending more on my card would negatively affect me. This strikes me as an abusive practice under XXXX. 

To expound, on Tuesday XX/XX/2021 I called Capital One to discuss an issue I was having with a credit line increase. I had been automatically declined for a credit line increase due to not meeting credit utilization requirements. However, my current credit utilization with Capital One was sufficiently high to lower my credit score. Hence, given perfect repayment history over several years, a credit line increase seemed warranted. As such, I described this situation to an account supervisor. The account manager told me that to receive a credit line increase I would have to satisfy the condition for which I was declined. I clarify by asking if this meant I needed to spend more on my credit card to which I was told yes. This concerned me as I had already expressed that spending more would negatively affect me. I conveyed this to the account manager but was told again " you need to spend more on your credit card ''. 

UDAAP defines an abusive action one that " Takes unreasonable advantage of ... The reasonable reliance by the consumer on a covered person to act in the interests of the consumer. '' The aforementioned situation seems to be just that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: U.S. BANCORP
State: NV
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:
XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$23000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. ELAN CACS CC, XXXX # XXXX, Amount {$8400.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. ELAN CACS CC, AC # XXXX, DO : XX/XX/XXXX, Amount {$19000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$14000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$23000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.

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
Consumer complaint received 2022-03-12
Company: ALLIANT CREDIT UNION
State: NV
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:
Alliant CU, AC # XXXX, DO : XX/XX/XXXX, Amount {$23000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX CACS CC, XXXX # XXXX, Amount {$8400.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX CACS CC, AC # XXXX, DO : XX/XX/XXXX, Amount {$19000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$14000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$23000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.

Company response to consumer: Closed with explanation