BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-19
Company: CITIBANK, N.A.
State: HI
Product: Credit card
Issue: Other fee

Complaint:
I had used my Macy 's credit card for a purchase in XXXX 2015, and paid half the bill before the due date in XXXX 2015, and paid off the bill in the entire amount posted online well before the due date in XXXX 2015. Now in XXXX 2015 I get another statement saying I owe {$2.00} more, now I know I paid everything in XXXX and before the due date, so I called to inquire about the {$2.00}, their story is that the {$2.00} is interest that failed to get tacked on to the XXXX bill, because it occurred after the billing date. What I do n't understand is how interest is being tacked onto a balance that was paid off before the interest is accumalated and how am I still responsible for it when they did n't add it to my bill, I paid the " current amount due '', not the billing amount due but the current amount due, so that should 've been the end of it. I know they 've done this before with my bills and I 've always paid my bills before the due date and always the current amount due, and still always end up with this {$2.00} interest fee after the fact, and stupidly never questioned it before and just paid it. I 've known others to have the same problem with this {$2.00} interest fee, and they 've since closed their cards because they do n't think it 's fair to be charged after the bill is paid. Yes it 's {$2.00}, but it adds up when you are paying it basically because you used your card. I have attached my XXXX 2015 and XXXX 2015 billing statements and you can see on the XXXX statement the {$2.00} fee is charged 3 days after I already paid off the balance, so basically the account was already at {$0.00} so I got charged interest on a {$0.00} balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card
Issue: Other

Complaint:
I submitted a payment on my credit card at Wells Fargo Financial National Bank. The bank applied the payment to a mortgage at Wells Fargo Home Mortgage that was paid off XXXX years ago. Wells Fargo sent the payment back to me, and Wells Fargo Finncal National Bank is now calling me constantly about the supposedly overdue payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-21
Company: WELLS FARGO & COMPANY
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had account with wells Fargo XX/XX/XXXX to XX/XX/XXXX. I was charged ridiculous amounts for atm fees. And nsf fees when money was in bank. Then I was harrassed by phone calls from them for the end fees even money was there. All in all roughly over XXXX lost from them I got the point where I just changed banks. There people were rude and in pleasant. I do n't want free credit monitoring. I just want my hard earned money back. They were constantly asking me to open accounts for home loans. Student loans etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Experian has reinserted the following  XXXX  accounts back onto my report with any notification. This is a strict violation of the FCRA. On  XXXX   XXXX ,  XXXX  I disputed  XXXX   XXXX   XXXX   XXXX  for reporting inaccurately. Experian removed them from my credit file as of  XXXX   XXXX ,  XXXX  and the remained removed as of  XXXX   XXXX ,  XXXX . I was reviewing my credit today  XXXX   XXXX ,  XXXX  and noticed they had been placed back on my credit this month. I have never received any notification from them about the reinsertion. I need them removed immediately or face legal action ... I 'm including all reports from  XXXX   XXXX  -  XXXX   XXXX  as proof of the reinsertion ...

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 2015-12-01
Company: JPMORGAN CHASE & CO.
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
First I started to get calls from a strange XXXX number I did not recognize. When the caller finally left a message it stated I owed a past debt that has already been settled. This shocked and frustrated me as I had finished a debt consolidation service two years back and was being careful with my current finances. I still have my debt consolidation paperwork and have access to past bank statements. I blocked the company 's number from my phone. I have since gotten a letter in the mail from the same company saying thank you for my " recent payment '' and to pay the current past debt balance. I have not made any payment to these people and I am mad that they even know I own the past account they are trying to collect off of. I get a sense this is fraud. I originally settled this account ( Chase Bank USA ) through XXXX back in 2014. The debt agency settled with XXXX XXXX XXXX XXXX XXXX who was the owner of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX at XXXX XXXX I made a cash deposit of {$1000.00}, all in {$100.00} bills at a Chase ATM. The ATM then ate the cash, all of which was new and did not have staples or any metal pieces to interfere with the transaction. 

The machine then printed a receipt that confirms a deposit was made, but not the amount, that the machine " has experienced a technical error '' and that I should call Chase customer claims. I did that immediately, explained the situation, and was credited {$1000.00} while they " investigated my claim. '' Two weeks later on the XXXX, Chase sent me an email saying the investigation was complete and that the XXXX credit would be removed, and that was the last of the matter. 

I have called the claims department, branch manager, supervisors, and all have told me that 1. the footage of my transaction has not been reviewed 2. the cameras in the bank are pointed at my face, not at the money, so there is no way to review the cash I physically deposited. 

I asked XXXX supervisor why, if Chase ATMs can just swallow a client 's money and there 's no way to prove it on camera what happened, why should anyone use Chase ATMs? She told me " I do n't use the ATMs, they can break. '' I can not believe that a major organization like Chase would be so unable to confirm a deposit made at an ATM inside XXXX of it 's branches, in the middle of XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-30
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I SHORT SALE MY HOUSE IN XXXX OF 2010, WITH CHASE MORGAN XXXX.YET THEY ARE STILL REPORTING ON MY CREDIT REPORT XXXX OPEN LOANS WITH INTREST REOCURRING EVERY MONTH AND THEY SAIDTHE LOAN HAS BEEN CLOSED ON THERE END BUT THE CREDIT REPORTING COMPANIES CONTINUES TO REPORT IT. HELP ME PLEASE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited XXXX of XXXX checks on XXXX XXXX. The check that I am writing about more specifically was the one which contained the funds left from my retirement fund. I was automatically mailed the check by the retirement fund management company after I know longer had my job. As I understood it, I needed to deposit the check to access my retirement funds and I did not believe I had a choice of keeping the retirement account as I am no longer employed. Unfortunately, I temporarily misplaced my check after I received it in the mail XX/XX/XXXX. When I was organizing and sorting through papers on XXXX XXXX, 2016, I found the check. As I wanted to have access to the funds previously in my retirement account I immediately proceeded to deposit the check along with another check issued in XX/XX/XXXX. I believed nothing to be fraudulent about the checks I deposited, at least on my end, and all I intended to do was access the funds as a balance to my checking account. I deposited the check at a consumer bank d.b.a. Chase, a division of the financial company JPMorgan Chase, at a location in XXXX, California where I signed the check and furnished it to the bank teller at the branch.The check I deposited from my retirement account, in the amount of {$19.00} was accepted by the teller and in my account information, it appears to be accepted and then rejected with a {$12.00} debit administered, in additional to the rejection of the funds in the amount of {$19.00}. Unfortunately, as I am not a business, I do not believe I have the ability to levy a fee to the retirement fund company in the amount assessed by the JP Morgan Chase consumer banking division Chase, in the amount of {$12.00}. I can not afford to pay this fee and the main reason I bank at Chase is because of the lack of fees assessed to my account as opposed to some competing national banks including XXXX XXXX and XXXX XXXX XXXX. As a consumer banking product for myself, I need checking account services which agree with my spending patterns. I really hope I was not provided with a fraudulent check, or one having insufficient funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-28
Company: Westlake Services, LLC
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I bought a XXXX/Hyundai Elantra Limited Edition for {$15000.00} on XXXX XXXX, 2015. However, at the time it was listed for {$12000.00} at XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX. 
They said the reason they charged extra {$3000.00} for it because I have poor credits, possession fee, etc.. and the car is a limited Edition. I later on found out that the car is not a Limited Edition. I do n't see the possession fee listed on my receipt either I feel I got cheated/scammed. The car also has some periodic rattling issues after the warranty expired which is a month ( the warranty coverage was good for only one month! ). I wanted to switch the car for a better one but the dealer said in order to do that I must improve my credit score in six months. 
After 2 months passed by, they later told me that I could only trade-in the car instead of switch for the same value. They only gave me XXXX set of car key ( suppose XXXX sets ) and they did not send me the registration sticker until I complain about it ( the temporary one was about to expired ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card
Issue: Other

Complaint:
I opened an account with Chase back in XX/XX/XXXX. The account slipped into collections over eight years ago, in XX/XX/XXXX. Despite the account being in collections for more than 7 years, Chase continues to report this debt on my credit report. They purposely keep changing the date of last activity on this account to continue reporting it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have had nothing but trouble with the XXXX XXXX XXXX, coit office for dealing with my mother 's accounts and my power of attorney for her. 
MY mother is XXXX and living in assisted living with XXXX. 
MY latest complaint about this branch and especially XXXX XXXX, Asst Mgr has to do with the following. issue. 
As background, this branch has adamantly refused to assist me with basic simple issues regarding my mother 's account. I had to fly to Washington State where another Chase branch approved putting me on the Charge Card as POA, and putting me on as a co-owner of the checking and savings accounts. All I have been trying to do is put my mother 's approx XXXX pts into about $ XXXX cash and put it in her checking account. I was told by XXXX XXXX that his branch could not help me. Do I have to fly to Wash St to get this accomplished? If the XXXX XXXX XXXX does n't want my or my mother 's business and I 'll take it next door to Chase. 
How can my sister put moneys into my mother 's account if she is not on the checking or savings account. I have POA, previously approved and the Bank has multiple copies of it authorizing me full access to my mother 's finances and now, this branch, specifically XXXX XXXX again refuses to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received XXXX 's from CHASE BANK in 2013. XXXX XXXX was marked and on the form meaning no collection efforts will be made. This was further communicated when I spoke to a manager at CHASE credit department. CHASE BANK continues to report cancelled debt balances on my credit report. Although the XXXX state that no collection efforts will be made I have received letters from CHASE saying that I still have balances on the accounts. How can I have balances on cancelled debt that I included in my taxes in 2013? Ive disputed this issue with all credit bureaus and CHASE BANK. The incorrect status and balance of the accounts are still listed. The balances cant be both cancelled and owed? I have become very frustrated with CHASE BANK and feel that this is just a tactic to hurt consumers financially. I have had to pay higher interest rates and have been denied credit based solely on the CHASE BANK accounts listed on my credit report. CHASE BANK received the tax benefit by issuing the XXXX but continues to report the balances to the bureaus. There have been court cases that have ruled in the favor of the consumer on this issue but Ive found no real laws dealing with XXXX and proper credit reporting. Consumers are really being XXXX by CHASE BANK 's reporting of XXXX balances. I believe they are the only bank that does this. I will continue to dispute this issue as I feel the reporting is an illegal representation of the accounts. I wanted to do this complaint to help other people who are in the same situation. Hopefully something can be done about this as these practices of CHASE BANK reporting zombie debt must be ended. CHASE continues to ignore my disputes. They continue to post false information on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On my XXXX report and it 's a lot if inquires showing that I attempted to open up a numerous amount of checking accounts I 'm very upset because that 's false in, sure it happened when my wallet was stolen and I had a fraud alert put on y actual credit report so how could this had happened

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: Patenaude & Felix A Professional Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am being contacted by a law firm for a debt I do not owe. I have kindly ask this debt collector to verify the information according to the laws of consumers. I have requested the original documents and verify the information accordingly. They have not been able to. I was a victim of identity theft in which I reported this information to the FTC and credit bureaus. This debt collector is harassing me for debt I do not owe and wants me to enter into an agreement with them that I am not required to do by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
We paid-off our mortgage on XXXX XXXX of this year. Our former lender ( Bayview Loan Servicing ) acknowledges that they received funds on XXXX XXXX. We called this evening ( XXXX XXXX ) to inquire about refunding the balance remaining in our escrow account. They informed us that it is their policy to wait 30 days before processing the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I have a Western Union money order that was made out to me. I tried to cash this money order at a WESTERN UNION facility. They do not cash their own money orders!! It seems Western Union will gladly accept someone 's money but will not give it to the person it is made out to. 

The only place to cash Western Union money orders is at check cashing places that charge 8-10 % of the amount! I just called around. 

This is ridiculous and takes advantage of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: CHARLES SCHWAB CORPORATION, THE
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Interaction with Charles Shwab bank request to get a new debit card. I understand protecting my account and not disclosing to many details without verification but they have gone to an extreme - to the point where I do n't feel comfortable disclosing all those details over the phone or banking with them. When the owner of the account feels uncomfortable you have crossed the line. It 's my money in the account you should make me feel comfortable with you holding so many details about my life -- not the opposite. I answered questions as to how much money was in the account gave an approximate b/c that 's how the question was asked not exact amount in the account. I answered the account number # question. I was asked to disclose my last transactions. I answered mentioned they were all to pay credit cards - when probe I told them the XXXX credit companies that received payment. When probed again i said the amount for those transactions. Apparently this was not enough information and the individual wanted to know my login id. I asked him to ask me a different type of question. He said because I refused this question and the date of my birth question I had to go and perform my transaction in person. I am not asking for a transaction to withdraw funds or to change personal info on the account. I just wanted to request a new debit card. This person did n't care they only cared about getting more personal details about me instead of helping me out and refused to ask me a different question. He also asked me what was my mothers maiden name. I will be closing my account with them because honestly there is such a thing as common sense - I understand compliance but if bank institutions are just operating in a check the box mentality instead of using their brain -- -she just wants a debit card - if you want one we 'll send it to you to the address you have on file can you verify that address - great thanks have a nice day. that 's how that transaction should have gone. If I gave the incorrect address by all means put a red alert - ask me all the questions you want. 
Now I need to go and find a new bank and 401 K provider. A company that treats me as an individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: CHARLES SCHWAB CORPORATION, THE
State: NM
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I obtained a XXXX mortgage from Charles Schwab Bank in XX/XX/XXXX. The mortgage is a conventional adjustable note which called for " interest only '' payments for the first 5 years with the remainder of the note then amortized over the remaining term with adjustable interest periodically calculated. The note contains a paragraph that ( see attachment 8 ) says the note is " assumable '' subject to a new buyer qualifying for the note assumption. 
In XXXX XXXX I received a " Loan Modification '' from XXXX XXXX which had assumed the servicing of the note sometime after I closed with Schwab Bank. The loan modification agreement lowered the interest rate to .10 % ( XXXX basis points ) for a 4 year period to XXXX, XXXX. The loan modification contained a paragraph stating " All terms and provisions in the Loan Agreement providing for or relating to any change or adjustment in the rate of interest or in the payment amounts remain in full force and effect except as modified herein -- --. 
Whenever the monthly payment amount changes, Lender will notify Borrower of the new payment amount prior to the date of it first becomes due. " There is no place in the Loan Modification Agreement that addresses, or changes, or counteracts the original wording about the assumability of the mortgage by a potential new buyer. I have received an offer from a potential buyer to assume the mortgage rate of .10 % for the remaining 2 years of the Loan Modification subject to his qualifying for the note. Schwab Bank AND XXXX XXXX refuse to allow the note to be assumed in accordance with the Loan Modification which I executed in good faith. Each refuses to put in writing citing the basis for their seemingly arbitrary decision saying only " It was not our intent to allow the XXXX XXXX rate to be assumed by anyone '' although each does confirm that the original note is, in fact, an assumable loan. 

It does NOT appear that Schwab Bank had any involvement with the Loan Modification paperwork since the Agreement was prepared by a law firm on behalf of their client, XXXX XXXX, XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: TCF NATIONAL BANK
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have a TCF bank account and with it I chose the option to have them cover any transactions that may put me into a negative balance and charge me an overdraft fee ( OPT-IN ). At the end of XX/XX/XXXX I used my XXXX that is attached to my checking account. The transaction went through at the store but days later was rejected for insufficient funds. I was charged an overdraft fee and a returned check fee. When I called XXXX times and asked why these were returned ( because I do have the OPT IN coverage ), they told me that XXXX does n't say they will cover all transactions. I asked what is the criteria for not covering and no one could tell me. The solution they came up with was to open a savings account and they could pull $ out of there to cover the insufficient funds in the checking account.

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