BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-17
Company: Netspend Corporation
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2019 The state of Pennsylvania deposited my state refund in the amount of XXXX..I had not touch this money..On XX/XX/2019. I was on my way to get blood work and I started to receive text alerts telling me someone was withdrawing money from my account in a different state.I instantly checked my purse and I had my debit card on me so I called Netspend and notified them.The lady I talked to lock the account and Informed me they stole {$910.00} she advised me to go get a new card so she can transfer the remaining XXXX to the new card which I did and because I had a XXXX block on the account she could not do it so she advised me to go to the ATM machine And with drawl the money which it would not let me do either because the account was locked and it was over the daily limit so she hung up on me.I called back and spoke to another lady who unlock the account and let me retrieve my money she also ordered me a new card and charged me {$25.00} and while she was on the phone she disputed all five transactions. I asked for the address where this was happening at and it was five hours away so I googled the address and it came back to a XXXX store which I called and the gentleman was very nice and said he would review the cameras and call me back .The gentleman called me back about 30 minutes later and said he reviewed the tapes within that hour and no one use that ATM in that store as I was still on the phone with Netspend I advise them what he said and they had no explanation how someone could withdraw my money without my card .. at first they told me the investigation would take 10 days and to submit documents online which I did now theyre telling me 45 days all I want is my money back So I can close this account and take my business elsewhere..I feel defeated because this company does not offer no help and I do not know where to turn..I have contacted the XXXX XXXX XXXX As well as the federal trade commission

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 2015-06-29
Company: WELLS FARGO & COMPANY
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
XXXX charges totaling {$1900.00} were charged against my business acccount. I am not a XXXX customer and there is no reason for these charges to my account. Wells Fargo has completed their research of the matter and is unable to reimburse me because I did n't notify them until XX/XX/2015 and the charges were made on XX/XX/2015. I 've already contacted XXXX and they have indicated that they can not help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX & XXXX XXXX, I received letters from Capital One stating they looked into a claim that I filed of fraudulent accounts. I NEVER filed anything or disputed anything. Since then I have reached out to capitol one many many times over the phone to keep getting the same answer that they are looking into the problem. on XX/XX/XXXX I spoke to capital one and they requested that I fax over letters to them stating that these accounts belong to me. To which I did. ( see attached ) after two weeks of waiting and phone calls again I still received no answer. On another call on XX/XX/XXXX I was asked to E-mail a copy of my driver 's license, social security card and a recent bill to which I did. ( see attached ) I have made numerous calls to capitol one and still have had no response to why my accounts remain restricted. All I keep being told is they are looking into it. As of today 's date XX/XX/XXXX almost 3 months later I called them to see if I could get an update. Got the same run around after being transferred to 3 different departments I got the same answer that they are waiting to hear back from the credit bureaus ... was told a month back it would take 30 days now today I was told it could take 60 to 90 days! something needs to be done, I have never been treated so poorly by a credit card company as I have been through capital one from NO FAULT of my own.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Hello! I receive a Social Security direct deposit at Chase Bank for {$440.00} and I paid XXXX pay of {$160.00} and XXXX XXXX XXXX for {$57.00} all paid on XXXX/XXXX/2016 that left me with {$230.00}, i made a withdrawal from the ATM for a {$220.00} then that left me {$7.00} and some change, then I made a {$140.00} payment to XXXX XXXX XXXX, I knew I was going to be charged {$34.00} overdraft fee for this payment, and then I see {$34.00} overdraft fee for the {$57.00} which was paid out of my direct deposit

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-27
Company: Pacific Credit Exchange Corporation
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 information incorrect

Complaint:
XXXX XXXX reference Pacific Credit Exchange, is reporting paid off closed account on my credit report, the payment status show past due amount {$6900.00}. Pacific Credit Exchange changed the Collection opened date XX/XX/XXXX the open date showing now XX/XX/XXXX generated report date XX/XX/XXXX showing on my XXXX credit report. Pacific Credit Exchange balance was showing {$6000.00} date XX/XX/XXXX now show {$6900.00} date XX/XX/XXXX unauthorized payment these or violations. Pacific Credit Exchange is reporting a incorrect address on my credit report, showing XXXXXXXX XXXX XXXX XXXXXXXX CA XXXX I notify, Pacific Credit Exchange about the change and forwarded it to the post official date XX/XX/XXXX I have attached a copy of my report with the accounts in question circled. I notify the companies that there phone numbers, address is incorrect also the information that shows on the report is incorrect. I have attached a copy of my report with the accounts in question circled. 

Please stop collection on any amount until you prove the request of the information that shows I owe the debt send Date XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Coinbase, Inc.
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I moved from US to XXXX and I was no longer able to access my Coinbase account due to the inability to receive the sms for the extra layer of authentication. 

I contacted Coinbase on late XX/XX/2020 and they advised me to create a new account using my Romanian credentials in order to regain access to the original account. 

All said and done, followed their instructions and instead of a resolution, I got no replies for over 2 months. I tried reaching out to them on XXXX and I probably touched a nerve as they restarted the correspondence and eventually gave me the long needed access to my Coinbase account but to my surprise, the account was just a mirage, as I could only log in and view my assets, without being able to access or modify anything, including sending, exchanging or withdrawing my assets, while a top banner was instructing me to wait for a couple of days for the identity verification to conclude. This was over 7 months ago, the same banner still pops up whenever I log in and my account is still just a shadow. 

I have opened countless support tickets asking them for an explanation and an update regarding my status but they ghosted me ever since. All I ever got were a few automated replies notifying me that Coinbase has resolved and closed my case which is completely untrue and unfounded as they resolved nothing. 

Seeing tens of thousands other complaints on reddit and other social platforms brought me to the point of considering I was being scammed or something related and had no other choice but to start a legal process in the attempt to regain access to my portfolio now valued at around {$50000.00}. 

In conclusion, Coinbase is unlawfully holding my assets, causing me financial grief and emotional distress. 

Please assist me in this process of bringing Coinbase to the legal accountability, according to the trading laws. 

I have email proof of the correspondence between me and Coinbase and happy to provide if the need occurs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-29
Company: STERLING JEWELERS, INC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I HAVE NO KNOWLEDGE OF THIS COMPANY AND WANT THEM OFF MY CREDIT REPORT .I HAVE NO LEGAL CONTRACT WITH THIS COMPANY AND I WOULD LIKE THEM REMOVED FROM ALL MY REPORTS.I AM A THIRD SO I 'M THINKING THIS ACCOUNT HAS BEEN PLACED ON MY ACCOUNT IN ERROR BECAUSE MY BROTHER RECALL HAVING A XXXX ACCOUNT WHOM HAVE SAME NAME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been attempting to contact the trustee, XXXX XXXX XXXX since last week - as instructed by my lender Wells Fargo - but not able to get through, the call hangs up every time and I have tried from multiple lines. I then contacted Wells the day before the auction sale and the day of the sale to cure the default in full, they referred me to the trustee again. No answer and disconnected from trustee 's phone number. I have the funds available to cure the default in full and was asked to send in proof. I had a 3-way conversation with a representative from Wells Fargo and a representative by the name of XXXX XXXX from my bank Wells Fargo to get a fax number to send the proof of funds. It took Wells Fargo over 45 minutes to provide me with a valid fax number as I stayed on the line with them while faxing the information over ( see attached ). Wells Fargo stated that they could not get in touch with their attorney ( XXXX XXXX XXXX ) and that I can try to call myself. They were not of any help to me and left me with no options but to keep trying to call the trustee with no luck. I also was never properly served with the Notice of Default and Notice of Trustee sale so I feel my homeowners bill of rights was violated as no true alternatives to avoid foreclosure was given to me instead they proceeded.

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 2016-05-22
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2016 I paid off a home equity line of credit to Wells Fargo Bank. The day we sent the payoff check I called Wells Fargo to ask what the payoff amount was. I was quoted, {$57000.00} over the phone as the payoff amount. A check for that amount was sent to Wells Fargo that day. 

My home equity loan was paid off, and my account was closed. Then Wells Fargo opened up mortgage account, ( which I never signed any documents for ), and sent me a bill for {$670.00}. 

I called Wells Fargo and filed a dispute, stating my loan had been paid off with they amount THEY quoted me as the payoff amount. 

Because I complained, Wells Fargo retaliated against me by DAMAGING MY CREDIT RATING. They also sent me a letter, telling me that no payoff amount was request. THAT IS A BLATANT LIE. I CALLED THEM ON THE PHONE BEFORE THE CHECK WAS ISSUED AND REQUESTED THE PAYOFF AMOUNT. The payoff check was the amount I was quoted over the phone.

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 2016-06-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Citizens Mortgage Company 1. Customer Service is very poor. the main mortgage phone number XXXX does not have a live contact person option. this is extremely frustrating and a live customer person option needs to be part of the main option menu. It took me 10 phone calls and about 1 hour of my time to actually get a live person. 
2. Property Taxes were not paid in full and I have received delinquent messages from my town. Citizens is responsible for paying all taxes and should not be receiving delinquent notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo Home Mortgage have informed me, ( See letter attached ) that they intend to charge Mortgage Insurance Premiums on my mortgage at {$260.00} per month until XXXX XXXX regardless of the value of the property with respect to the outstanding mortgage, ( " ... .new appraisals will not be taken in to consideration. When I took out the mortgage I was told MIP was payable so long as the LTV was greater than 80 %. I was then told that the MIP was payable for 5 years regardless of LTV, which would be until XXXX XXXX : Now it 's XXXX. This is despite the fact that my house now values at {$400000.00} with an outstanding mortgage of {$250000.00} which is an LTV of 65 % as of today! I regard this as a predatory and fraudulent lending practice. I am being forced to purchase MIP when it is completely unnecessary which Wells Fargo is completely aware of, at {$3100.00} per year until XXXX! This is a deliberate oppression of the consumer.

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 2022-09-10
Company: LOBEL FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
Bought a vehicle at XXXX XXXX on XXXX XXXX XXXX XXXX a XXXX loan which got XXXX add to it plus the Lobel Financial Company in XXXX XXXX XXXX, they are local people who commit Fuard with other people and scaming consumer credit points, my account with invading my privacy as consumer citizen. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with plus they fuardlu get me pull over almost every month for no reason XXXX XX/XX/2022. 
Put down a XXXX. 
XXXX payment XXXX Missed a payment in XXXX due car broken down XXXX car problems XXXX. XXXX second payment XXXX payment I made several complaints since the car broken due to app. Which cause the car thermostat explosion on and overheat and illegal internet hook in the truck vehicle which is why I surrender the vehicle.XXXX  call to complain Warranty which was Fuard and charge addition XXXX to loan, about how the car brakes, oil change and truck don't lock broken, tires need replacement. 
How there's a gps tracker and the bank or the dealer is putting my life in danger and sending people to stock me and harrass me and start problems Car had huge gas sucker XXXX in one day The car lights didn't work. The back brakes light kept going out. The car only came with push start no key to open door On XX/XX/XXXX tow yard pick up car and didn't wan to give any information about car They said XXXX will get the car so I went XXXX and tow yard and when I got to tow yard the car didn't start and once again the car was broken down N it was same problem as before I only had car 4 months headache This car got scratched the first month I bought then I experience no help with insurance company and made several complaint to insurance Nhow this ruin my reputable cause me trouble ruin my credit N causing problems The job and car loan and dealer. Are all in the same area and they all working against.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: JPMORGAN CHASE & CO.
State: TX
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:
Im disclosing all phone records speaking with XXXX XXXX from the beginning where rep advised to dispute with credit card company on XX/XX/XXXX and also escalation called where they advised that everything was ok and taking care of to be refunded. All calls was recorded and pulled by supervisor on XX/XX/XXXX and followed up call on XX/XX/XXXX to state that the calls was pulled and that they think the rep was new but would have it taking care of. XXXX from chase supervisor also putting in a request to have these phone calls pulled to back up claim that I would be refunded and there was no cancellation done on XXXX because I never spoke with anyone or have any emails or information included phone records from XXXX from my phone to back up claim. They denied credit again on XX/XX/XXXX for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I Received a letter after having making a complaint with Chase Bank and your office. Complaint ID XXXX The letter stated that my money was available on XX/XX/2020 in which they lied I tried to buy my XXXX 's medication. I had no medication until I received my money on XX/XX/2020. I received a call from the gentleman at Executive Office. 

If you let them get away with this how many other people will go thru this. 

I want to go to court, with this bank I have all receipts of my complaint. 

Best Regards XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX, Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: WELLS FARGO & COMPANY
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I received my direct deposit on XXXX/XXXX/16, the amount was {$610.00}. I also deposited {$9.00} same day after that direct deposit from my XXXX account. The {$9.00} posted XXXX/XXXX/16, in order, it was sequenced and shown as right after the {$610.00} deposit. 

I went to Wells Fargo on XXXX/XXXX/16 and withdrew {$350.00} cash from a teller inside the bank. After this, I did not have a negative balance. Next, a telephone payment from XXXX XXXX XXXX I set up posted to account and shown as deducted on XXXX/XXXX/16, in the amount of {$140.00}. My account was not negative, I had enough money / available balance to cover that. When I logged into online banking it showed in order, right after the cash withdrawal on XXXX/XXXX/16, same day. 

On XXXX/XXXX/16 my other job 's direct deposit of {$910.00} came in and was part of my available balance. I went to the bank and saw a teller and withdrew {$830.00} cash of that. My account was not negative. After the withdrawal approx. {$50.00} was the available balance. 

Yesterday on XXXX/XXXX/16 I logged into online banking and saw my balance was negative, - {$24.00}. I allowed XXXX XXXX Bank to process a bank account payment of {$50.00} on XXXX/XXXX/16. 

But, Wells Fargo said the overdraft is from XXXX XXXX XXXX payment of {$140.00} and charged me a {$35.00} overdraft fee. I looked at the order of transactions and the only logical explanation is that they are re-ordering transactions to justify that, just off the simple chronological order of my transactions it is impossible that payment would cause this overdraft. That is unacceptable! 

Before I filled out this What happened? section of my complaint i logged into online banking again to review and I see I have now been charged another {$35.00} overdraft fee for the {$50.00} XXXX XXXX payment. But, online banking shows a deposit of {$34.00} from Well Fargo & Co Pln Pymt right after the aforementioned {$910.00} deposit, then a withdrawal of {$830.00}, next the {$50.00} XXXX XXXX payment, and lastly the {$35.00} XXXX XXXX overdraft fee. 

My current balance is - {$60.00}. 

Yesterday, when I decided to submit a complaint it was because they were re-ordering the transactions not in their true order to justify the {$35.00} overdraft fee for my XXXX XXXX XXXX payment. Instead, now I am including the second {$35.00} overdraft fee for the XXXX XXXX payment as they are grossly and blatantly trying to manipulate my account for {$70.00}, I do not appreciate that. 

I would never challenge a legitimate fee, and I ca n't believe that Wells Fargo would move my transactions around out-of-order versus the daily balance that they provide me! Just to get fees for themselves! Please help. 

Feel free to contact me with any questions / if you need clarification.

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 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am writing to you to seek your help in getting these unverified and suspicious accounts in my credit report. It has been months since i have been personally dealiing with Transunion but they have not acted upon my complaints. As a result, my credit scores have suffered tremendously and i have be wracked with XXXX  because if it. Please help me out with my concern. Thank you very much.

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