BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
on XX/XX/2022 chase and XXXX XXXX  XXXX fraud me and scam me they both did XXXX transactions and did not stop them I went to each branch that same day and talked to them i also have police report as well and they just keep telling me it was my fault and they can't do nothing to fix the problem I think they are working together to scam people I'm reporting this to each burea so they can see what's going on with them they are sure making something fraudulent and now I call them and they keep hanging my calls as soon as I give them my information they put me on hold and hang up they can chek there recordin calls and to be honest I feel discriminated as well

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a checking account at USAA. They have returned payments when my statement balance has been over the amount requested. They keep two ledgers, one with an " available balance '' and one with a " statement balance '' and play games with the timing of the deposits and payments each day in order to hold funds XXXX deposits XXXX and maximize fees ( take payments out at the end of the day, not when presented but after all other debit card transactions have gone through ). 

For instance, on XXXX/XXXX/XXXX I transferred {$1600.00} from an account at XXXX to my USAA checking account. The bank increased my statement balance by the full {$1600.00} on XXXX/XXXX/XXXX but increased my " available balance '' by only {$500.00} and " held '' {$1100.00}. This technique caused me to have multiple payments returned and fees charged. I checked my XXXX account and XXXX released the funds from my account and withdrew them on XXXX/XXXX/XXXX. As of today my money has still not cleared as of this day. i was told the {$1100.00} would be released on the XXXX ( 8 days later! ) and when I saw a notification of such I assumed that was the last day ... not the actual day as other banks usually give a timeframe. 

When I called the bank, they told me that the " account history '' determines whose funds get held and whose do not and they are released in " waves. '' I believe that USAA is discriminating between account members on the amount of time it takes to receive their money. I also believe this discrimination is directed at lower socioeconomic individuals who will have a harder time making payments with longer " hold times '' and lower balances. I believe this is an unscrupulous banking practice affecting our nations hero 's and targeting veterans and service members who may not have financial acumen as USAA is branded as a " military '' bank. 

I further suspect these " held '' funds are most likely held in an interest bearing account, where USAA makes a profit on the additional days ( short term and overnight interest ) it holds the funds and also gets to charge more overdraft and NSF fees because the account holder 's " available '' balance is now lowered for a longer period of time. The fact that I was told that the hold times are longer for " certain account holders '' shows that this is a discriminatory practice and targets those with lower balances and who have harder times making payments. By doing this, USAA is discriminating against some of its customers and also making money off of veterans and service members in an unscrupulous and predatory manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX a delinquint XXXX account hit my credit report. I have never been a customer of XXXX. I contacted XXXX and they were very unhelpful, hung up on me multiple times. I froze my credit, filed the fraud report with all of the major credit bureaus, filed a fraud report with XXXX  ( no response ), and filed a police report. After I explained all of this to the debt collection agency ( XXXX ) they agreed that I was a victim of identity theft and said they would cancel the debt. The major credit bureaus agreed and removed the debt from my credit report. 

Fast forward to XX/XX/XXXX and the same delinquent account shows up on my credit report, this time the collections agency is XXXX XXXX. XXXX had tried to collect the debt of an identify theft victim! A quick call to XXXX XXXX and the major credit bureaus and it was again erased from my credit report. 

Today, XX/XX/XXXX. I receive a letter now from IC Systems saying they will put the SAME XXXX   DELINQUENT ACCOUNT on my credit report if I don't prove to them it's not my debt within 30 days. After filling out the complaint online it just sends me to XXXX  antiquated fraud form that falls on deaf ears. This is clearly harassment by a major corporation of an identity theft victim!

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 2018-01-20
Company: CMRE Financial Services, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
{$910.00} Account number : XXXX I had 3 accounts with this collections company dealing with this matter. The other two were removed and deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: CITIBANK, N.A.
State: VA
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:
On XX/XX/XXXX my Citi Card was physically stolen from my car and used to make an unauthorized purchase at a local XXXX store of {$990.00} the same day ( XX/XX/XXXX ). I promptly notified Citi that the card had been stolen and disputed the {$990.00} charge as fraudulent. I also filed a police report with the local police department ( XXXX County ). Citi closed the card down and after some delay issued a {$990.00} credit while they investigated the incident. 

During the first week of XXXX I was contacted by a Citi representative who inquired about charges made at the same XXXX in XX/XX/XXXX. This was of course long before my card was stolen and as such I told them the charges from XX/XX/XXXX were fine. The {$990.00} charge from XX/XX/XXXX was the only charge I was disputing, since that was the charge made with my card after it was stolen. 

Following this conversation I was stunned to receive a notice from Citi dated XX/XX/XXXX, which asserted that I had dropped my dispute and agreed to the XX/XX/XXXX charge of {$990.00}. That was a categorically false statement - at no time did I ever accept that charge. They appear to have used my acceptance of the unrelated XX/XX/XXXX charges as an excuse to drop the dispute of the XX/XX/XXXX charge. In fact they have re-applied the {$990.00} charge to my bill, wiping out the prior credit. 

I have since called Citi numerous times to no avail. I have been told by a representative that they would investigate the issue and call me back 'in two or three days. ' Ten days later, no call. I have been told twice that a credit was in the process of being made. My XX/XX/XXXX bill has now arrived, with a {$990.00} charge but no credit - and no way dispute the charge due to how Citi categorized it. Citi simply refused to resolve this issue properly.

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 2017-11-08
Company: Navient Solutions, LLC.
State: NJ
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:
My aunt is a co signer on one of my loans. We are being harassed every day because we are struggling to make payment. When any one calls, you are greated with such a rude person that only cares about getting the money. They bully you on the phone every single time. We get calls Sunday to Sunday. Some of my payments are in default now and they have listed on my credit score from a time when I was making payments on the loan. Im so sick of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
Leased a new vehicle from XXXX XXXX XXXX in XXXX XXXX and noticed that the finance guy did not want to share the contract with me until after I had finished signing. Upon seeing the details of the contract after getting home, noticed there was an after market add-on for {$4000.00} which I never agreed to purchasing, let alone signing an addendum stating that I wanted the add-on or proof that " XXXX '' was ever installed on the vehicle or came with the vehicle. I came back to the dealer on Sunday to speak with someone and the Finance person told me to come back on Monday to speak with the Sales Manager who told me to come back on Tuesday to deal with the original Finance person who ripped me off in the first place. I called the Finance Director who claimed that there was nothing that she could do until the original finance person came back although she was the DIRECTOR, that all his deals were " locked up '' inside his desk and that she had no access to them. After coming back to the dealer on Tuesday and speaking with the original Finance person, he exclaimed that they did not charge me for the {$4000.00} add-on although the contract clearly shows that it was included in the price of the vehicle which determines the amount financed and the monthly payments. He also mentioned that this is a lease, so there 's no financing, which makes NO SENSE whatsoever. He proceeded to remove the {$4000.00} add on and added the total oto the " Rental Charge '' portion of the lease, jacking it up from {$2000.00} to $ 6,000+ to keep the same monthly payments. Eventually, I walked out and asked to speak with their GM, who never showed up. After waiting for another 15 minutes, the Finance Director tells me that she will " resolve '' the issue and removed all the erroneous add-ons and charges out of thin air and removed about {$7000.00} of fraudulent charges on my lease contract and bringing my monthly payment significantly. In the end, there was really no explanation for what occurred because the dealer knew that they were caught red handed and had no proof that the add-on was ever installed or requested by the buyer and tried to save the sale. I could not believe how much trouble I had to go through to get something removed from the contract that did not belong in the first place. Be very careful if you are purchasing from this dealer and make sure that they actually print the contract out and walk over the price with you line by line and provide full explanations for all of the charges and documentation for any " add ons '' that they might have thrown in there that you did not want.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for the CapitalOne Business Spark Miles credit card when CapitalOne had the promotion of XXXX  miles after {$4500.00} spend and XXXX  miles after total of {$50000.00} spend within 6 months. However, upon receipt of the credit card and notice of the credit line, i was so baffled to see that they only gave me {$2000.00} credit line. It was impossible for one to spend {$50000.00} within 6 months when there is only a {$2000.00} credit line. i tried my best to complete this as to pay off all purchases immediately as they post so that I can get my credit line back for additional purchases. I think Capitalone purposely gives out next to nothing credit lines just to hinder this process of completing the purchases within the 6 months. I have excellent credit and payment history with over 800 credit score. It's insulting to give me only {$2000.00} credit line, and this is a business account too!! To make it worse, Capitalone starts counting the 6 months way too early. I was given a deadline of XX/XX/XXXX to finish the {$50000.00} task, when the card was actually mailed out in the middle of XXXX. So by the time the card arrived in my hands, Capitalone has robbed me almost half a month to complete this task. To me, this is false advertising. It's bait and switch to say the least. Get a consumer to apply for the card with promised incentives, then lowball the credit line, then don't give the full 6 months to complete the task. If you look at my other credit cards/lines, my credit history, {$2000.00} line is a joke. And if I have the full 6 months from the day I got the card and started spending with it, I would have completed the task. i tried complaining to customer service, escalated to the " rewards case manager '', and came back declining my request to extend my deadline. Our company has always a loyal capitalone customer. We put over {$400000.00} each year on our other Capitalone card. I am very disappointed in Capitalone this time on how they treat their customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-16
Company: Prosper Marketplace, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Well I did application online for Prosper now theres supposed to account from there firm been calling and emailing me he has all my information he acting like hes Prosper and he must have there system hacked because he knew to much Hes been calling from XXXX XXXX XXXX he says his name is XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a mortgage with Bank of America. During Covid-19 Pandemic, I requested and was given a total of 18 months of mortgage payment deferment by the bank ( XX/XX/XXXX thru XX/XX/XXXX ). Once I resumed payments beginning XX/XX/XXXX, I never received any formal written correspondence confirming the 18-month extension of my mortgage maturity date. I have heard conflicting information via email from Bank of America agents, and some of those explanations included statements that implied my loan maturity date have been extended by 21 months, instead of 18 months.

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 2017-11-08
Company: DISCOVER BANK
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
With the greatest respect to the government agency that ensures the protection of rights of consumers. I am the XXXX student and have applied three XXXX, XXXX XXXX and Discover entities for the student loan because the search engine gave me the option of private loans without COSIGNER as soon as I have applied my credit score downgraded and I had an issue with renewing and renting new apartment. Their decision, all three was to provide COSIGNER with high credit score and applicable income which by itself makes it impossible because COSIGNER which signs contract also loses Credit Score. I have already finished most of course load and if I knew that my credit score was to downgrade just for applying and I wont be able to receive impossible term student loan I would have even applied. My complaint based on if you get rejected why should you score downgraded, why three companies aggresively advertise private loan without cosigner in the search engines such as XXXX, and the most important why would person cosign if he already knows that his score is going to downgrade because later the financial institutions will increase the cost of borrowing and all other consumer purchases would be expensive for him or her. Right now I have issue with renting apartment because of that and I have family and kids. I have the lifelong experience and education never consign and never apply that makes me not wanting to access finance thus leading to financial XXXX  so it happens to be the services for the status selected which credit bureaus assume from family history and other criterias. My complaint is not take action but for improving the system set by private businesses. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I 'm currently applying for a loan modification & have been approved for a trial modification twice. 

XXXX Ocwen approved for trial payment of XXXX. 

I declined & applied again asking Ocwen to consider the ( Full Appraised Certified Value ). 

The appraisal was obtained on the suggestion of Ocwen in XXXX. 

Ocwen again approved the trial modification in late XXXX Payment XXXX The payments are based on a BPO ( Broker Price Opinion ) of XXXX XXXXXXXX this was done in XXXX. 

Another BPO was done in XXXX $ XXXX A certified appraisal with color photos on XXXX/XXXX/XXXX with a value of XXXX  XXXX was uploaded to Ocwen. 

Ocwen also did a exterior appraisal on XXXX/XXXX/XXXX value XXXX XXXXXXXX Ocwen has yet to consider the analyses of true value of home. This appraisal as of XXXX/XXXX/XXXX has not been reviewed. 

Ocwen 's front office is very kind they have assured me on multiple occasions that they will have the Full Appraisal Analyzed & compare To The BPO. 

Full Certified appraisal was uploaded on XXXX/XXXX/XXXX Ocwen instead ignored the Full Certified Appraisal & elected to get another BPO on XXXX/XXXX/XXXX I have been extremely proactive & have spent many hours asking Ocwen to consider the Full certified Appraisal or Send their own XXXX & I will pay for that XXXX as well. 

As of this complaint all we have now is a call with the Relationship manager on XXXX XXXX. Whom is extremely friendly & sincere. 

Based on Ocwens value they perceive the value to have gone up $ XXXX in a years time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Wells Fargo advertised a {$200.00} new customer sign up bonus if I met terms of using debit card 10 times a month for at least 3 months. They refused to pay out my {$200.00}.

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 2022-03-07
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage has an escrow account to pay insurance and property taxes. Our account is in good standing and yet the property taxes are unpaid. We received notice in the mail about unpaid taxes- {$7300.00}. Loan was sold so we had to " wait '' for new servicer. Called them on the day the account transferred XX/XX/XXXX. They said call back in 3 business days. Called back on XXXX was told to email over the unpaid tax bill and they'd take care of it and would let me know that it had been. They needed 72 hours to handle. Checked county records still not paid. Called again on XX/XX/XXXX, was told the check would be cut by XX/XX/XXXX. They would cover the penalty of {$730.00}. As of XX/XX/XXXX still no check cut and taxes are still unpaid. The first round of taxes was due XX/XX/XXXX, second round was XX/XX/XXXX. Both at unpaid as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: Diversified Consultants, Inc.
State: ND
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
i kept getting bills for these i did n't buy and in XXXX and XXXX and i contacted the company and they told me not to worry but yet put me into collections

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-08
Company: U.S. BANCORP
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: Account status incorrect

Complaint:
US Bank loan # XXXX receiving my monthly payment of XXXX every month for the last ten years check send auto pay from my XXXX XXXX XXXX auto pay by check.two last payment XX/XX/XXXX and XX/XX/XXXX checks was send and delivered as schedule US Bank did n't received the checks because US Bank change their address.without advising or forwarding request. When I notice the issue I did contact US Bank and corrected the address and request US Bank from now the amount will be withdrawn directly form my bank.I am requesting to remove the negative report from my record ASAP.

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 2017-11-06
Company: BMW Financial Services NA, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
BMW Financial Services is still reporting that I an outstanding debt on my consumer credit file. This information is not correct. I would like this account deleted from my credit file.

Company response to consumer: Closed with explanation