BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-27
Company: CITIBANK, N.A.
State: NY
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:
I submitted my fraud complaint in reference to two charges on my credit card with CitiBank while on my vacation to the XXXX XXXX and my fraud complaint was rejected for the following reasons ; " Our records reflect that these transactions were processed using the embedded chip in the card ending in XXXX and charges that were made before and after the disputed charges were verified as valid. In addition, the credit card was present when the transactions were completed and you confirmed that only you had access to the card. '' This is not a legitimate reason to deny my claim and there is also a false statement on this letter. The sole purpose of my trip was to attend a wedding and I have reason to believe that whoever processed these transactions took my card from my wallet and placed it back in my wallet after they used it. I explained this to the multiple fraud investigators, I also told them that during my stay in the XXXX XXXX I had no reason to have my wallet or even passport on me because as I was staying at an all inclusive hotel and had no reason whatsoever to have my wallet on me. For them to say that I " confirmed only I had access to the card '' is false. I told the investigators that my hotel had cleaning staff walking in and out at least twice a day and that alone gave them access to my card in my hotel room. 

Ive already spoken to 3 managers about this and every time I speak to one they tell me my case manager will reach out to me, but they never do. One manager even went as far to say that I shouldve kept my credit card on me at all times and thats reason enough to reject a claim. Carelessness is one thing, but if my valuables are inside a 5-star hotel room along with my other valuable belongings, one would deem their belongings safe. 

One charge was on XX/XX/XXXX for the amount of {$490.00} and another one on  XX/XX/XXXX for XXXX for purchases at a club I did not go to, amounts that I have never spent at a club in my entire credit card history which shouldve triggered a fraud warning. I only noticed these transactions when I arrived back home and saw my transaction statement. 

Also, after further research it seems the club, XXXX XXXX ( a.k.a. XXXX XXXX XXXX was part of the criminal organization and has since then been closed down. This information can be viewed on the U.S. Department of the Treasurys Office of Foreign Assets Control ( OFAC ) website. 

All in all Im unhappy at how Citibank is handled my case without doing a thorough investigation on their part. I would like both transactions and interest occurred to be refunded Immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello! It's My Mother 's Account. They have her in the HOLE of $ XXXX XXXX Dollars. 
Secondly, she recently PASSED and I'm trying to get help with that also. 

I keep calling, and they ( CHASE ) give me phone numbers where no one answers. 
I can't get help! It is so sad ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: Remitly, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I contacted Remitly regarding money in the amount of {$3000.00} that was sent to a XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX and they tell me they will not refund my money even though it was a fraudulent transfer, however it is their policy to get ID information and contact information from the person receiving the money. My bank has been notified and is conducting an investigation into this matter. XXXX XXXX XXXX stole from me and my company and I want him held accountably and charges filed against him!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 am writing to request a correction of the following information that appears on my credit report. 
I am a victim of identity theft and I write to dispute certain information in my file resulting from the ID Theft. 
I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized. 
Please carefully review and remove or correct this information at the earliest possible time. 
Enclosures -Copy of the FTC Identity Theft Affidavit -Copy of the Social Security Number -Copy of the Driver License -Copy of the Utility Bill

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with fees or penalties

Complaint:
Regions Bank is allowing ACH debits to run my checking account to negative balances despite my refusal to have my account overdraft and would debit my account first and then post my electronic ACH deposits secondly in order to create more overdraft fees. I have specifically disabled overdraft protection on this account and this has resulted in NSF fees on several drafts the past 4 plus weeks starting on or around XX/XX/2018 running through appears to be well over {$220.00} or approximately 7 separate NSF charges on my account of {$36.00}. This is unfair and dishonest banking and I have contacted my local branch manager XXXX XXXX and she refused to 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 2021-10-25
Company: Stone Higgs & Drexler
State: MS
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX I received a letter from my employer stating my wages will be garnished by XXXX XXXX financial for a vehicle loan from about 7 years ago ( sometime min/late XXXX ). I didn't receive any correspondence from XXXX XXXX XXXX nor did I have a chance to fix this with them. The vehicle was picked up by XXXX XXXX XXXX  after I called them and told them to pick it up due to ongoing transmission problems the vehicle had since purchase. From the beginning I brought the vehicle to their maintenance shop at the dealership at least once a week for the first 30 days of owning the vehicle, and the issue was never fixed. I was in communication with them constantly up until I told them to pick up the vehicle in the early XXXX. They also want me to pay the full amount owed instead of amount minus what they made on reselling the vehicle, resulting in XXXX XXXX financial attempting to collect an amount higher than required.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Albert Corporation
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I have an account with Albert ( managed by XXXX XXXX  ). They advertised a promotion where if I referred another person to become an Albert customer and they met certain requirements, they would receive a {$150.00} bonus, and I would also receive a {$150.00} bonus.

She met all of the requirements, and her bonus was posted to her account. I reached out to Albert customer service to inquire when my bonus would pay out. From the start, Albert seemed intent on making sure they didn't have to pay my referral bonus as promised.

- They first responded that the person I referred had not completed their requirements. I explained to them that this wasn't true because her bonus had already posted to her account.

- The next excuse was that she hadn't done it within 150 days. I also explained that was not true.

- The next excuse was that she had deactivated her account. Also not true. She had actively used the account as recently as two days prior. 
- They then asked to have her reach out to customer support to have them investigate on her account. She did, and everything checked out on her side. The agent verified the referral link was correct and that she had successfully completed all of the requirements to earn the bonus ( which are also what she needed to do for me to earn the referral ). They informed her that I should continue with customer support on my account- When I reached back out to continue with customer support, they once again claimed that she had not met the requirements. I again proved that to be incorrect. 
- The final excuse was that their system did not show that she was referred as a customer and claim that she must have applied without a referral link, and there was nothing more that they could do. I know this to be 100 % false, as I sent the link and helped her in applying/signing up while sitting right next to her. All steps were completed correctly and completely. 

I'm not sure what you call this ... bait-and-switch, false/unlawful advertising, etc. At best, these are questionable business practices to make a promise to obtain new customers, then not follow through on those promises.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: Cedars Business Services, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from Cedars Business Services, seeking payment for a traffic ticket from XXXX, XXXX, from XXXX. The total debt is {$210.00} : {$91.00} fee and {$120.00} principal. There is no date specified for the infraction in the letter from Cedars. In  XXXX of XXXX, my wife and I were traveling in XXXX. Upon our return, we received ( and paid for ) a credit card bill, with charges for our rental car, plus an additional charge for the traffic infraction. We have received no communication from any XXXX  government entity. We have lived at the same address for the last 10 years, so there is little chance of a postal issue. 

In a letter dated XX/XX/XXXX, I responded to Cedars, requesting documentation of the purported charges. 

The address of Cedars Business Services is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX CA XXXX. Their phone number is : XXXX. The date of their letter is XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: SUNRISE CREDIT SERVICES, INC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Sunrise Credit Service opened a collection account on XX/XX/2020 claiming I owed XXXX mobility {$390.00}. On XX/XX/XXXX I called XXXX to dispute this information on my credit report as fraudulent

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 2020-11-09
Company: NATIONS DIRECT MORTGAGE, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am having trouble with getting a loan modification completed with my Morgage Company ( Nations Direct Mortgage ). I submitted a request to be taken off of forbearance back in XX/XX/2020 when I went back to work from being furloughed. I was originally told we would receive a package in the mail that we would fill out to complete the mitigation & that options would be provided to us for the repayment of the amount we owed for the two months forbearance we applied for. That package never came so I contacted them again asking for it to be emailed in which they said they would do. Still no email was sent. XXXX morgage statement was sent to us with the full amount due for the two month plus current months mortgage so we promptly called again because now it was reflecting derogatory on our credit report. The rep that assisted suggested we email XXXX To voice our concerns with them reporting late payments to the credit bureau since we had not rightfully been given the opportunity to repay the amount owed. He mentioned that our account was not late because it was their delay in getting the mitigation 's settled & not to worry he would send in a request as well on our behalf. He also stated at that time we were under review & should revive an answer with the next week because it had been 30 days. Fast forward to XXXX still no response had been given to us other than our account was under review & still waiting to be processed. We have called week after week to try to get this resolved and no one can assist. We wait on hold for hours while they " review the account '' then they say it's been passed to a manager & they will contact you in which they never do. I have called every month & can not resolve this. We are now well past 120 days of waiting to settle our mitigation. It has gotten to the point where they have stopped allowing us from making our monthly payments on the portal because they state the account is under review & that's been for two months now. We had to set up bill pay with our bank in order to send them our money. I can not spend anymore time or emails in getting this resolved. I need your assistance please. I have uploaded various attempts in us contacting them even up to today when I sent a screenshot of my call log where I waited 17 min on hold before they hung up on me while they were supposedly " researching the account ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: Child Support Recovery Services, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX the collection company XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX tried to collect on a debt stating that I owed and had a balance of XXXX or XXXX. I informed them that my attorney is handling this debt since it was accident related. The representative named XXXX continued to call me and ask me for payment even after I told him I had retained counsel and she was going to pay him from the settlement money. My attorney reached out to the debt XXXX and informed them to not contact me. They continued to call me and also tried to give me a false amount to pay them when in fact their client already settled for a different amount. My attorney showed them the settlement letter for their client and they still tried to collect on a higher amount. They misrepresented the debt and also violated my rights by contacting me after I asked them not too.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: Neighborhood Assistance Corporation of America ("NACA")
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Concern # 1 : Communication Due to the low interest rates offered during the pandemic, I understand that you all are very busy at the time. My mortgage counselor has been great but often it has been difficult to get in touch with her due to the increased volume. Furthermore, I noticed that the mortgage counselor acts as a middleman between me and the underwriter which prolongs the process. If possible, it would be great to communicate directly with the underwriter so I can provide them with the documents needed. This will make the overall process to be approved for the loan faster. 

Concern # 2 : Underwriting Process The underwriting process has been very frustrating. My mortgage counselor gave me an action plan and listed all the documents needed to be eligible for the loan which I provided. However, my mortgage counselor has submitted my application at least three times to the underwriter and each time they come back with new information that I need to provide. This prolongs the process of me being approved for the loan. Someone should look at my profile in its entirety and make a final determination of all the documents needed to move forward with the process. The information that NACA needs should not be staggered as they have been providing me. It is disappointing when I ask my mortgage counselor if I will be approved and she responds with a yes. Only later to find out that I am not approved because the underwriter needs additional information. 

In all fairness, I believe my application is not complicated and that I should have been more ahead with this process. I am very eager to be a homeowner and am usually able to respond to you all in 1-2 business days. I am hoping to be approved for the loan by the end of XXXX. 

Please reach out to me directly if you have any questions or concerns. I can be reached by phone at XXXX or by email at XXXX. Thank you for your consideration. 

Best, XXXX XXXX NACA ID : XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
US Bank issued a card in my name in relation to a fraudulent unemployment insurance claim in WI. Fraud claims have been filed with the CFPB and on the US Covid Fraud complaint site. Until XX/XX/XXXX, I was unaware of the fraud, after doing a change of address with the USPS in XXXX I got a notice about the overpayment. On Monday XX/XX/XXXX, after calling WI XXXX about the fraudulent UI claims and finding out the payments were deposited in my name at US Bank called US Bank to report the fraud to them. I found out that the funds were on a US Bank Reliacard at which point the representative attempted to transfer me and we were disconnected. After calling back and getting connected with Reliacard and explaining the fraud I was placed on hold so that the representative could cancel the card, again the call disconnected. I did not receive confirmation of closure of the card. Later that day I received USPS mail notification of mail from US Bank. This contained a request from US Bank ReliaCard requesting I verify my information using a picture of my non-expired government ID and a selfie. And asked to provide it to an electronic service that is only usable via smartphone or tablet. Additionally, this communication was sent to a different address than what US Bank would have had on file and no phone number was provided to contact the Cardholder service department. No mention of this was made in my call on XX/XX/XXXX with the US Bank representative and the letter was dated XX/XX/XXXX. 

It seems very risky to me that any service provider would not have verified information for a full year on an account with active card and deposits. It seems none of the involved parties verified my identity and as such my financial information is out there with all kinds of unknown communication having been sent to this fraudster.

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 2019-06-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection Agency : Portfolio Recovery Associates,  LLC Acct : XXXX Case : XXXX Portfolio could not legally prove they were the legal owners of this so-called debt. So legal proceedings they were pursuing against me were dismissed " WITH '' prejudice. 

Portfolio Recovery Associates replaced the first page of the Court Order to " dismissed WITHOUT prejudice '' After I signed the ORDER and returned it to them for filing with the courts. I was able to prove their deception and it was corrected with the courts to show dismissed " WITH '' prejudice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-09
Company: Shellpoint Partners, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This compliant is about my mortgage company - NEWREZ a.k.a Shellpoint Mortgage Servicing. They are denying me access to the forbearance program as setup in the CARES ACT Forbearance & Foreclosure. 

Shellpoint put my loan in the forbearance program in XXXX and I did not take advantage of it because I didn't need it then. Now that I have requested to be reinstated in the program, Shellpoint Loss Mitigation Department has been giving me the run around. 

I have spoken to at least 21 customer service representatives in Loss Mitigation from XXXX to now to get my loan setup. I have been told by different customer service representatives that they either see my request and pending approval or they don't see my request in the system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation