BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-09
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Billing statement

Complaint:
My Home Depot consumer credit card was past due because of a quick prompt in the online account.. some how authorization of paperless statements was selected and thus I never received notification of payment due by mail. This is a joint account I rarely use. I need a statement or phone notification to alert me a payment is due, not an email to that ends up in spam. In XXXX years I have not had a late payment and I am frustrated by the irresponsibility of the creditor to not insure consumers are receiving statements and able to make their payments on time. This creditor advised me when I called that incompetence is a regular occurrence and their system in not perfect and that many consumers do they not realize they are electing for wireless statements. Is it not the creditors responsibility to be sure their consumers want to be billed this way especially since this is an option and not an account requirment???

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/16 I visited a J.P. Morgan Chase branch located in XXXX due to an advertisement that was sent to my email. I asked a simple questions in regards to what would the requirements would be to open an account with this bank, they stated I needed two forms of I.D . and my social security. At that point I asked if my social security number was mandatory to obtain in order to proceed with the account, they stated that it was a type of U.S. Law that required me to provide that with any account. After I was verbally told that specific information, I pulled up this website that states that a social security number was not a requirement so they proceeded with asking more personal information, thereafter I was told to leave the branch due to not qualifying under their policy. This situation was embarrassing and made me feel discriminated against. No disclosure or acknowledgement where in the advertisement stating what they mentioned to me in the branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I and my spouse are presently the victims of aggravated identity theft, aggravated cyber, physical stalking initially by XXXX XXXX XXXX/XXXX XXXX. Now we suffer from aggravated cyber/physical stalking by these people and also XXXX  XXXX XXXX of XXXX Tennessee whom took my job ( # XXXX ) after I became permanent. Never reported wrongful termination. Used spouse ( XXXX XXXX ) identification at XXXX XXXX XXXX  store suppressing the taking of my job on XX/XX/XXXX. We were literally ran out of XXXX  by these dangerous criminals!!! Our unemployment insurance accounts were fraudulently cut off as XXXX /XXXX XXXX used a duplicate XXXX checking card ( XXXX ) to forward over {$8000.00} of our unemployment payments to themselves. Regions Bank of XXXX Ga. on XX/XX/XXXX forced us to use an old account opened in XXXX in XXXX Tenn.? We entered that bank seeking to set back up our unemployment accounts ( direct deposit ). We asked the branch manager why we couldn't open up a new account instead of one we didn't have the vital information to. They ignored us. 
In short, Regions Bank account # XXXX belongs to XXXX XXXX and XXXX XXXX XXXX of XXXX Tennessee  whom are practicing bank fraud, aggravated identity theft and aggravated cyber, physical stalking. Regions Bank allowed these criminals access but blocked us. We want this account closed and any compensation due us by Regions Bank!!!

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 2021-02-17
Company: CCS Financial Services, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I XXXX XXXX never entered into a consumer credit transaction with CREDIT COLLECTION Services on XX/XX/2021. I was not expecting a bill on XX/XX/2021. On XX/XX/2021, they sent a bill that is a violation of 15 US Code 1692b. They also used obscene and threatening language that is an attack on my reputation and character in their correspondence to me. This is also a violation in accordance with 15 US Code 1692d.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: APR or interest rate

Complaint:
The balance on my Sears card XXXX issued by Citibank keeps increasing, even though I never use it anymore. This month the minimum due is {$520.00} on a balance is {$9300.00}. I pay {$300.00} each month, but the balance does n't seem to change. I contacted the credit card company asking for a lower interest and lower minimum payment, but they responded that since I was no longer charging anything from Sears, the rate would remain the same.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
I 've had an account for over 20 years with good payment history. But the CC company wo n't report me to the agencies. We experienced fraud on our account in 2006 and as such they stopped reporting us. They claim that since 7 years has elapsed they can not report me to the agencies despite continued good payment history and being a customer in good standing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020, I mailed out dispute letters to XXXX, Transunion, & XXXX  concerning inaccurate information on my credit report and I have not received a response at all.

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 2015-04-11
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have an option ARM loan with Chase ( formerly WAMu ) which negatively amortized and added over XXXX to my loan. I believe that this mortgage was a subprime predatory loan, but have received no help from chase or HARP. My husband and I applied multiple times for modifications and were continuously denied. In an effort to move forward, my husband and I filed for a repayment plan in which we agreed to pay double monthly payments to become current on the loan. Throughout this process, we have been harassed by chase numerous times, sending us notices that they were going to foreclose or that our loan was in default. We have now paid XXXX/month for ten months, our last payment being due XXXX XXXX, and was paid electronically on XXXX XXXX. I received a notice today on XXXX XXXX, ( which was dated XXXX XXXX ), stating that they did not receive our XXXX payment and that our loan is in default. They are also attempting to charge us a XXXX late fee and XXXX in " OTHER FEES and ADVANCES ''. ( See attached ) We have also gotten notices taped to our door on XXXX different occasions ( XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX XXXX ) stating that the house is unoccupied, when it clearly is not. ( see attached ). I called the vendor who taped the notice to our door to find out why they are stating that the home is vacant. The woman I spoke with told me she can not give me the name of the person or company who taped this notice to my house because it 's confidential. This makes no sense. The house was clearly lived in, the walkway was shoveled, and you can see inside the house from the windows. It was blatantly obvious that the house was NOT abandoned. This is clearly harrassment! We are paying bills that legally I do n't believe we owe, and still being harassed as if Chase wants to foreclose on us. We have been buried in debt since XXXX, and have been working on getting out of debt since then. Neither chase! nor HARP has done anything to assist us, but the government bailed out Washington mutual who started this fiasco. This makes no sense at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: Westlake Services, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I signed a car title loan with Wilshire Consumer Credit for XXXX. I thought I 'd be able to manage the loan if the payments were satisfactory and the interest was fair. Every month since signing the title loan, I have seen NO change in my loan amount. Factually, I owe more now ( after making months of payments ) than I 've ever owed. My loan now is in excess of XXXX. When I called the company to complain about the interest rate, amount of the monthly payment and terms, the company said there is nothing they can do. Moreover, they called me back and said they 'll settle on XXXX to close out my account. I angrily declined the request and suggested they accept XXXX based on the payments I 've made thus far. They refused my offer. As such, I am looking to have an attorney take the matter to court, as this is predatory lending practices at its worst. People whom use the service and hope to quickly pay-off the debt unfortunately find themselves in a horrific situation once they learn the terms of the interest being charged each month. We have to put a STOP to companies that prey on those in need. It is time to fight the predatory lenders!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
This credit card was never activated. 
A purchase of {$12.00} was made at the XXXX in XXXX, FL on XX/XX/XXXX. A XXXX card was presented for payment, not a XXXX card, yet this purchase was charged to the account referenced above, said card never having been activated. 
. Check # XXXX on our XXXX account, marked paid in full, dated XX/XX/XXXX, was sent out and our bank records show that an ACH withdrawal by Comenity Bank was made on XX/XX/XXXX. 
PROOF OF PAYMENT from XXXX account : XX/XX/XXXX ACH COMENITYCARD PAY CHECK PYMT XXXX~ {$12.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-16
Company: Chrysalis Holdings LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We refinanced our mortgage with new day financial in the fall of XXXX. During the loan process we established that our escrow and are taxes would be prepaid so they could pay for our taxes. This is been going on since XXXX of XXXX I call them several times, every few weeks and get transferred to the escalations team. When I talk to them I get empty promises and lip service about when this issue will be resolved Our taxes are due at the end of XX/XX/XXXX as of today XX/XX/XXXX they have not been paid. I do not want to lose my house over their ineptitude and will be forced to pay out of pocket which means I will being twice for these taxes please help

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: The Bureaus, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have sent XXXX letters ( attached ) to the Bureaus Inc. asking for validation in accordance with the Fair Debt Collection Practices Act 803 Definitions 15 USC 1692A. This would include a copy of the original contract from the original creditor - XXXX XXXX - bearing my signature. I have never received that. They sent a doc showing that they bought a bundle of debt from XXXX XXXX, and they claim XXXX XXXX is the original creditor but that is a lie. XXXX XXXX is the original creditor. Where is the original contract with my signature from XXXX XXXX saying I ever agreed to pay an assigned debt collector? They obviously do n't have it so they are breaking the law reporting me negatively to the credit bureaus. Further, if they believe XXXX XXXX is the original creditor, let 's see a contract with my name on it from XXXX XXXX. It does n't exist because XXXX XXXX is not the original creditor. This is not about whether or not I ever had a XXXX XXXX credit card. This is about whether or not I owe the Bureaus Inc. any money, and they have shown me no proof that I owe them one dime. Without my signature on the original creditor contract that shows I will ever agree to pay an assigned debt collector, the Bureaus is breaking the law by negatively reporting me to the Credit Bureaus. This is my last and final attempt to allow them to remove this item PERMANENTLY from all XXXX credit bureaus before I file a claim in small claims court in XXXX XXXX where I live, for $ XXXX. They will have to fly out from Illinois to deal with this and incur great costs and they will lose because they are breaking the law. I want this removed immediately, it is causing me great financial hardship. Thank you for your help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: Action Financial Services, LLC
State: FL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Over the last 18 years I have been receiving letters regarding the payment of this debt. I was born XX/XX/XXXX the documents to this were signed 2 months after my XXXX birthday. The staff at the school told me I had to sign them because my parents were at work. I paid monthly even though I could not attend class as there was no one to teach the class I was the only student. Then the school closed, so I did not get to attend but for 1 week. I have been receiving letters with " Department of education '' listed as the sender since I was about XXXX ( 10 years after the document was signed ) after providing verification that I was under XXXX at the time, proof that the document signed was a XXXX XXXX loan ( not through the Department of Education ) and proof from the Department of education that they know nothing of this debt. Once received the company who owed the debt would close my case with them, then the debt gets sold and I have to go through this all over again. I am now being harassed by Action Financial Services, they continue to call my cell phone and even contacted me here at the Law Firm I managed ( XXXX XXXX is the Collector for XXXX XXXX I have asked them not to call my phone or work and explained again that I did not get to attend the school, it is not through Dept. of Ed. and I was only XXXX at the time. Then the letters started being mailed to my home, I received 10 in a 2 week period. The last one being a Department of Education letter stating " Notice of Proposed Wage Garnishment ''. I have called the Department of Education and spoke to XXXX who gave me the Case # XXXX she stated my student loans with them are current and all payments are received. She stated this company does not have anything to do with the Dept. of Ed and if I owed Student loans through them I would not have been approved for Grants/Loans that I currently have. She reviewed the documents from AFS that say " XXXX '' and stated these should not have been sent as Dept of Ed has nothing to do with XXXX Loans. She then referred me to Ombudsman through the Dept. of Ed. I contacted them Case # XXXX Spoke to XXXX who suggested that I do not give any information directly to this company as the " Proposed Garnishment '' document lists an address in XXXX GA which she states that phone number and Address has nothing to do with the Dept. of Education and due to the fact that my Student loans with them are Currently being paid it would be illegal for them to Garnish my wages for Student Loans. She then referred me to Consumer finance. I have provided all the information I can to these companies and they have continued to sell this debt regardless of it being from XX/XX/XXXX ( per their records sent to me ) when I was XXXX years ol.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXX XXXX was the original owner of this collection which showed up on my credit report 2 months ago as being opened in 2011. This is not my account. I filed a police report and provided XXXX and XXXX XXXX a copy. XXXX XXXX removed it from my XXXX account a week ago, sold the collection to Enhance Recovery and as of 2 days ago, started reporting under XXXX. I am assuming as soon as they remove it from XXXX, they will report it to XXXX. They are playing games knowing this was an identity theft and a police report has been provided.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-02
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Why does Wells Fargo continue to charge account PMI when our equity is at 67 % ( XXXX / XXXX ) which is far below the XXXX percent requirement? I have sent WellsFargo the formal appraisal but they continue to charge us fees unduly. We have since invested XXXX to change all of the windows on the property. I am asked my lawyer to forward our request for review of this case to the Consumer Financial protection Bureau ( CFPB ). I am prepared to go to court to seek redress if need be. This is wrong and unacceptable. XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I have been on the phone with Wells Fargo Bank several times but on XXXX occasions for over 2-1/2 hours each time trying to resolve an issue since XXXX XXXX ( that 's XXXX days ). I 've been transferred so many times with no one able to give me an answer to my issue. The worst call was when I was on the phone for XXXX minutes and transferred XXXX times ( I wrote all the names or the reps and the departments as I kept getting transferred ). 
The issue I 'm trying to get resolved is I made XXXX transfers from an account I have with another institution, originating the transfer from the Wells Fargo online banking Transfer option. I cancelled XXXX of those transfers which Wells Fargo confirmed cancellation of, but my other bank still sent the funds. I contacted that bank and they gave me provisional credit until the funds went back into my account with them. Wells Fargo can not find the funds. They have no tracking number ( or so they tell us ) for the funds they returned when the transaction was cancelled. So, neither bank has the funds. A representative from my other bank was kind enough to do a XXXX way call with Wells Fargo, which lasted XXXX min with no resolution. Wells Fargo 's ACH department is only internal so we could not speak to a representative directly but were told that there was nothing they could do or provide so that my bank can trace where the funds went. I 'm out {$300.00} with Wells Fargo and my account with them is overdrawn because of this, causing a much needed prescription that I have on autopay to be declined. No apology from Wells Fargo was received even when they assured me that any transaction that was pending would be honored. 
I 've been talked down to, insulted, yelled at and talked over when I 've tried to explain the situation to the various representatives I was transferred to. Before each call, they state " This call may be recorded '', I sure hope the calls were recorded so that at some point they can be played back! I was made to feel like a XXXX and when I told them I had paperwork I could email or fax to them from my other bank to help with the investigation, I was told that their email was only internal and there was no fax number they could provide me. 
My level of frustration has reached it 's limit with Wells Fargo, and so I 'm filing this complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-05
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a mortgage through Wells Fargo on XXXX/XXXX/2016. I gave them all the document that they had requested. They kept asking for the some documents over and over again. They kept saying the file was in underwriters. On XXXX/XXXX/2016, XXXX, the loan office told me that she thought I did not have sufficient income for me to get approval after talking {$440.00} for appraisal fee and {$11.00} for credit check on XXXX 2016. On XXXX/XXXX/2016 I wrote to XXXX to stop the appraisal process because there was no need to appraise the house which I did not qualify. On XXXX? 2016, Wells Fargo went a head and appraised the house against my advice. I filled a complain with the Wells Fargo de-escalation department. They acknowledged the communication for stopping the appraisal as the reason why I did not get the appraisal report. I had told them that I needed my money back. In their finding completed in XXXX, they said they did not see any reason why I should get my money back. I fell I was fleeced by the bank. Please help me recover my money from this terrible bank

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