BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-14
Company: T.S. Holdings
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Back in XXXX of 2020 I had my son via csection I went back to work early even after my doctor advised staying out longer to heal and I declined due to bills needing to be paid on time. I had a great paying job and never had issues with paying anything on time until XXXX of 2020 ; a terrible pandemic happened. A week into returning to work I received a phone call with having a 6 week old stating my job was being shutdown due to 5 people contracting COVID and I was exposed to those people so the entire restaurant had to be shutdown until further notice. I still kept on with paying my bills on time without any income coming in being grateful for the savings account I had. Time ran its course and I couldnt return to work until mid XXXX when I received a phone call stating I am able to return to work ; because of this in return bills started piling up. I contacted the leasing manager for Maple Leaf Apartments ( XXXX XXXX ) via phone call which they state all calls are monitored and recorded of my then apartment complex letting him know Ive exhausted all my resources and I asked would there be any penalties for breaking my lease to move in with family to get back on my feet with an infant and daycare also being shut down due to COVID at this point all my bills were current. Rent wasnt late, never have been. I reached out before it got bad for me financially because I still had to provide for my infant. I was verbally told by XXXX XXXX that there were no penalties and that our rent was paid for that month and we would be free to go. I asked several time and he assured me that there were no penalties for having to break my lease during such a terrifying time. Apparently that was false because a debt collection hit my credit which I wasnt notified about til XXXX of 2020 by IQ Data International and that was by me using XXXX to find out where this was coming from. They have called several times aggressively after I was trying to find out information on why I was being told I have to pay {$3000.00} without an explanation Ive tried to get them to explain to me what was going on because I was extremely confused which has gotten me nowhere. After every call they never sent out a letter to me within 30 days or even at all. I have a video still of that specific apartment with the date to prove there was absolutely nothing wrong with the property and I still have no answers after speaking with them just trying to force me to pay and be extremely rude with inaccuracies regarding the property that I only lived in for 6 months. Please help me. Ive tried to upload the video for proof of the property being in perfect shape but the video is a little over 2 minutes long so the file is too big. If there is another way to send over this video because it is important I have no problem doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Ive had a TD bank checking account nearly 5 years. In that 5 years I have ( voluntarily ) accumulated over {$7000.00} in overdraft fees. Its a problem. I know of my actions that caused this ridiculous cost. I am working hard to stop this viscous cycle but its a XXXX hard trap door to fall into. 
TD calibrates the amount that I can potentially overdraw on my checking at any given point. It is 100 % based on my weekly recurring payroll direct deposit. My issue would always start on a week that Id pay my rent and other XXXX of month bills. This often left me with little or nothing left to live ( eat ) on for the following XXXX days. Thus I would make it a point to hit an ATM and withdraw a {$300.00} draft that would ultimately cost {$330.00} by the next time I got paid. Then Id not use my debt card until my next deposit. This was common practice and very helpful ( though annoying. ) That {$300.00} draft would sometimes cost {$370.00} if I used the wrong ATM- I learned this the hardway. I also learned that despite my account being in the negative every possible auto or robo or one time charge and fee would abruptly start processing. Thus racketing additional {$35.00} fees for absolutely random charges. XXXX XXXX XXXX XXXX XXXX right at the last minute. Even charges that were declined would still cost me another {$35.00} fee. 
It became such a problem that every month now I was in the same cycle of trying to hault the overdraft service and still be able to come out above the negative when my weekly paycheck arrived. TDS system really seemed to have that same goal- which made sense. Though at some point it took me well beyond my incoming pay amount and after that week I knew I could never catch up. I had to jump ship and switch my direct deposit of to a new bank and one that only offers 1 times {$20.00} max overdrafts. XXXX XXXX with my full paycheck actually arriving instead of first filling the previous weeks accumulated fees- I have not dipped below {$0.00} once. Heres where I need outside help : do I continue to pay down that massive TD balance due or is there any way they could reverse some or any of the over {$1000.00} of individual {$35.00} fees. I can honestly say that the majority of them are indeed the result of only 1 or 2 original and consciously made overdrafts. There are recurring bill payments still being drafted from the account but I cant deactivate them because I myself can not access the account until my balance has been brought back above {$0.00}. 
I dont know what to do or where to call. Every representative from TD in person and on the phone recites the same unhelpful information. 
This overdraft service by TD bank is nothing more than a high interest payday load program when I stop and think about it. Pay day lending is illegal in XXXX XXXX XXXXXXXX. Why can banks get away with it? 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am writing you today because, as a result of Chases negligence and complete disregard, {$35000.00} was stolen from my Chase checking account. Specifically, Chase allowed my personal checking account to be breached by XXXX unauthorized XXXX debit transactions, which increased from a few authorized transactions a month from XXXX vendors to XXXX transactions a day from XXXX unauthorized vendors. Chase did nothing but merely stood by as my earnings were stolen directly from its control. To add insult to injury, Chase has only agreed to return {$1700.00} out of the {$35000.00} that was stolen. This is unacceptable. I am hereby demanding that Chase return the remaining {$33000.00}. 

On XX/XX/2022, I notified Chase of the fraud. I first attempted to call the Fraud Department. After multiple dropped calls to a foreign country, I ran to the nearest local branch at XXXX XXXX XXXX. The representative at the branch spoke to the Claims Department and assured me my money would be returned to my account. 

On XX/XX/2022, I called the Claims Department to follow up. This specific claim includes the XXXX fraudulent XXXX debit transactions totaling {$33000.00} ( Chase refunded the XXXX XXXX debits totaling {$1700.00}, which are not included in this claim ). 

After the Claims Department failed to resolve my claim, the Branch suggested I call XXXX XXXX XXXX office, which disappointingly was just another call center. This second Claims Department opened XXXX files. On XX/XX/2022, the second Claims Department called to inform me that it denied and closed my claims. 

Basically, Chase has repeatedly and arrogantly informed me that I am not eligible to have my stolen money returned because of some unenforceable fine print. This is unacceptable. As a result, I have filed complaints against Chase with the Department of XXXX XXXX and NYPDs XXXX Precinct. The Department of XXXX XXXX advised me to file a complaint with you, the Consumer Financial Protection Bureau as it is a federal matter and Chase is a federally chartered institution.

Chase does not have the mechanisms in place to protect their clients assets from cyber theft. In speaking with lawyers, friends, and detectives, it is obvious that Chases cyber security is inferior to other consumer banks like XXXX XXXX XXXX, XXXX XXXX and XXXX. For business purposes, I use XXXX XXXX and can attest that they call me if there is the slightest bit of unusual activity on my account, to the extent that XXXX XXXX contacts me even when I use a token. I understand other banks have similar security measures. Chase does not offer automatic protection and requires clients and customers to opt in to have the least bit of security. 

I work incredibly hard to provide a living for myself and naively thought my hard-earned wages would be safe with and protected by Chase. Chases negligence and intentional disregard has caused me incredible distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MN
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 with the fair credit act XXXX XXXX XXXXXXXX XXXX has violated my rights. 

15 U.S.C1681 section 602 A states i have a right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states consumer reporting agency can not furnish account without my written consent or instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have additional fraudulent inquiries that i have not authorized on my equifax report they are as follows XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Fifth Third has become notoriously corrupt and financially RUINING ME in the last year -I closed a credit card account a ) this account became completely inaccessible, couldnt see anything about it, make payments anything. THIS is NOTHING about how the rest of the c XXXX lenders in THE ENTIRE WORLD. Ive had a credit card with EVERY MAJOR creditor in XXXX XXXX and XXXX XXXX ) After my prior CFPB complaint to make said credit card open online, they only made it PARTIALLY VIEWABLE. All I could see was the balance and really weird draconian way to barely figure out how to make payments. Nothing else. 
C ) I made a future payment of {$1000.00} D ) I paid the card off completely prior to the future payment ( A WHOLE MONTH PRIOR ) E ) I contacted the bank NO LESS THAN 5 TIMES PRIOR TO THE FUTURE PAYMENT TO CANCEL SAID FUTURE PAYMENT WHICH THEY PROMISED EVERY TIME IT WAS CANCELED, AND LIED CAUSE I HAD NO ACCESS AND THE PAYMENT WENT THROUGH F ) I lost {$1000.00} because of THEIR NEGLIGENCE for A FULL WEEK G ) I call in, and company AGAIN through malfeasance of negligence decides to not train anyone. I tell Credit department to reverse payment, they say they cant and send me to debit, who tells me I cant, they send me to internet services, who says they cant and sends me back to credit who says in 5 business days I can see it again My money they negligently TOOK. It takes 6 days to see it reflected.That process of them putting me through the ringer took over 3 hours H ) 5/3 LIES IN CFPB REPORT IN ORDER TO CLOSE COMPLAINT that everything is taken care of with this -Fifth third lies on MULTIPLE occasions about FEES A ) 5/3 PROMISES on DAY 1 of contractual agreement about checking account that they will waive fees for international purchases, ATM, and Checking accounts for my wife and I as Teachers. 
B ) 3-4 years later they change policy, WITH NO WARNING to us, and fees for all of the above are instituted. Been dealing with the lies for OVER 5 years now about the fees and have been feed nearly weekly -Fifth Third decides to block my account COMPLETELY,2 seperate checking accounts, 2 credit, and a savings account A ) 5/3 aggressively spent days blocking me from communicating with them the need to figure out my finances. I CANT ACCESS ANY OF MY 5 ACCOUNTS WITH THEM FOR NO REASON B ) I called they told me there was an internet error and to call back if it persists later C ) I call back after AN HOUR ON HOLD and the lady hangs up on me purposefully D ) I HAVE MAJOR NEEDS TO BE ABLE TO ACCESS THIS MONEY AND ACCOUNT AND THEY ARE PURPOSEFULLY BLOCKING IT ALL E ) The blockage for NO REASON of my accounts COMPLETELY COINCIDES with them LYING in CFPB solution AND MY NEGATIVE XXXX, and XXXX XXXX REVIEWS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Good day Sir/Madam, I'm writing this letter with so much anger in my heart, regarding the discontentment with PayPal 's services, regarding my account with the associated Email : XXXX PAYPAL PERMANENT LIMITATION REFERENCE ID : XXXX As a new PayPal user, I never expected to be treated in such unprofessional, lackadaisical, inadmissible and unacceptable way. I created my PayPal account, on the XXXX of XX/XX/2020, and prior to this, I never ever liked PayPal, due to the horrible and horrendous stories perpetuated by most of my entrepreneurial friends. But on the other hand, some of my customers kept demanding I used PayPal on my store, as it's easier for them to pay with it. 

Sounded like something worth trying. By the way, I make around {$1500.00} to {$2000.00} every day on my store, with the use of other payment processors like XXXX and XXXX. 

I created my PayPal account on the XXXX of XXXX, and the creation process was seamless, I'll give them a +1 on that. After which, I added the account to my XXXX  store, received some payments, and in 24 hours. I was told I'm not allowed to withdraw the money, and my account has been temporary limited, till I submit some documents to lift the limit. 

I called customer care to complain about this, if I should just refund all my customers, and just know that PayPal doesn't want me, or should I go ahead in fulfilling the orders, with the hopes that PayPal will lift the limit, and I was told that everything will be fine if I provided the required documents. 

I submitted every single one of the required documents. Every single one of them!! I even went as far as fulfilling 40 of my customers ' orders with XXXX XXXX, so they get it quickly in 7-14 days, as stated on my store XXXX. Only for me to wake up on Monday, and get a very distasteful message saying that PayPal will hold on to my funds for 180 days????? With no solid reason whatsoever?? 

Right now, it's a good thing that my business is an LLC in the USA, so I have the right of suing PayPal to court. And I'm pretty sure, they'll pay more, for the damages caused and the inconvenience caused. 

I've gone through PayPal 's User Agreement, 8 times now, carefully, and can't still find where I went wrong. I've sent the link of their user agreement, to my lawyer, to prepare the court case. 

Right now, I'm writing to you, the Consumer Financial Protection Bureau, stating the subtle and crafty way of PayPal, in scamming small businesses of their hard-earned money, for 180 days, for no solid reason at all! 

I'm also pleading, that you help me pursue this case, so I'm able to get my money out as quickly as possible. 

Regards, XXXX. 
Account ID : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: Winklevoss Exchange LLC
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XXXX XXXX, 2022 my XXXX XXXX account with XXXX XXXX with virtual currency assets held on the Gemini Exchange was hacked and 5 Ethereum with a value of {$15000.00} at the time was illegally transferred from my account through a hack. Gemini had custody of the coins on their exchange platform.

I am another victim of the theft of crypto assets from an XXXX  account maintained on Geminis crypto exchange. A substantive complaint has already been filed regarding the theft under Complaint No. XXXX. I hereby join in this Complaint and incorporate the arguments asserted in it, as they apply equally to my loss. 

GEMINI COMMITTED THE FOLLOWING VIOLATIONS IN THE OPERATION OF ITS XXXX CURRENCY BUSINESS ACTIVITY, RESULTING IN THE LOSS OF CLIENT CASH AND XXXX ASSETS MAINTAINED ON GEMINI 'S EXCHANGE AND UNDER ITS PROTECTION : 1. GEMINI ACCEPTED SELF-DIRECTED IRA ACCTS FROM IRA FINANCIAL ( XXXX  ), A 3RD PARTY SERVICE PROVIDER ( SECT. XXXX ). GEMINI FAILED TO PERFORM A RISK ASSESSMENT OF XXXX  'S ONLINE PLATFORM THAT IS DIRECTLY CONNECTED TO GEMINI 'S PLATFORM, NOR DID GEMINI EVALUATE THE ADEQUACY OF XXXX  'S CYBERSECURITY PRACTICES AND PROTECTIONS, IN VIOLATION OF XXXX ( XXXX ) & ( XXXX ). AS A RESULT OF THESE VIOLATIONS, A HACKER ACCESSED HUNDREDS OF SELF-DIRECTED IRA XXXX XXXX ON THE GEMINI EXCHANGE AND STOLE APPROX $ XXXX IN XXXX AND CASH FROM GEMINI 'S IRA CLIENT ACCTS. 
XXXX. GEMINI FAILED TO PROVIDE XXXX WITH A PHONE NUMBER TO CALL TO STOP THE THEFT IMMEDIATELY UPON ITS DISCOVERY, IN VIOLATION OF XXXX XXXX XXXX ( B ) ( XXXX ). IT TOOK XXXX XXXX XXXX HOURS TO FINALLY CONNECT WITH GEMINI PERSONNEL TO STOP THE THEFT. AS A RESULT OF THIS EXTREME DELAY, ALMOST ALL OF THE ASSETS WERE REMOVED. THE THEFT COULD HAVE BEEN AVOIDED HAD XXXX BEEN ABLE TO IMMEDIATELY REPORT THE HACK AND HAVE THE ACCTS FROZEN. 
XXXX. GEMINI RETAINED 100 % CONTROL OVER FREEZING THE SUBJECT IRA ACCTS. XXXX HAD NO MEANS OF DOING SO FROM ITS END AND THEREFORE COULD NOT STOP THE THEFT AS IT WAS OCCURRING. NOR COULD XXXX MAKE CONTACT WITH ANYONE AT GEMINI IN TIME TO STOP THE THEFT. 
XXXX. THE API THAT GEMINI REQUIRED XXXX TO USE HAD SERIOUS FLAWS THAT ALLOWED THE THEFT TO OCCUR : XXXX FAILED TO LIMIT ACCESS TO CLIENT ACCOUNTS BY ADMINISTRATORSALLOWED ADMIN TO WITHDRAW FUNDS W/OUT CLIENT NOTICE/AUTHORIZATION B.IT FAILED TO PROHIBIT TRANSFERS BETWEEN UNRELATED IRA ACCOUNTS ALL OF THE AFFECTED IRA ACCTS ( TOTALING A FEW HUNDRED ) WERE DRAINED AND TRANSFERRED TO A SINGLE, SEPARATE, UNRELATED ACCT, FROM WHICH THE THIEF ( S ) THEN TRANSFERRED THE ASSETS FROM GEMINI 'S EXCHANGE. 
C. IT FAILED TO REQUIRE XXXX BY CLIENT TO COMPLETE THE UNLAWFUL WITHDRAWAL GEMINIS WEBSITE SAYS XXXX REQUIRED FOR ALL WITHDRAWALS D.IT FAILED TO REQUIRE DUAL SIGNATURE BY ADMIN USERS FOR WITHDRAWALS A SINGLE ADMIN USER WAS ALLOWED TO DO THE WITHDRAWALS W/OUT NEEDING APPROVAL/INPUT BY A SECOND ADMIN

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received another statement from PHH Mortgage company for XXXX payment. Mind you this is the XXXX letter of complaint about this company I am writing to you about. My original loan was with XXXX Mortgage my home was purchased in XXXX. 

I went into forbearance in XXXX of XXXX due to the covid pandemic and no employment. in XXXX that forbearance had been extended by XXXX XXXX  until XX/XX/XXXX with the understanding that I could come out of it at any given time without penalty and the payments would be added to the back of my loan. 
PHH bought my loan in XX/XX/XXXX. PHH did not honor any of XXXX terms. Instead I was reported as being in arrears 160 days and would be foreclosed upon. I explained everything, sent copies of all my XXXX paperwork pointing out where it stated my forbearance extension details. Then and only then did PHH allow me to extend the forbearance with them. until that was cleared up I was harassed daily with calls. I even had a tag left on my front door knob, which is just now being brought to light on my XXXX statement with a " Assessed Expenses '' fee of {$40.00}. I called PHH spoke with a rep named XXXX ID # XXXX and was told this is a fee for them doing a drive by property inspection due to my delinquency on my loan. AGAIN I was NOT delinquent, I was in forbearance. Had PHH done their job correctly they would have known this instead of trespassing and harassing me. Now I face another obstacle of XX/XX/XXXX it was recorded due to the paperwork PHH had me sign, even though when reviewed over the phone with a rep, and I asked where it showed my payments were deferred to the end of the loan, and the rep told me it showed where it said where the loan ends on XXXX. 

Come to find out, this was far from the truth. Now I am not a loan officer, not a legal person, I do not understand all their language, but what they did was even before the forbearance was officially up on XXXX XXXX, XXXX Mortgage XXXX XXXX XXXX against my property in XXXX XXXX XXXX for the XXXX forbearance payments, they did XXXX defer them to the back of the loan. Please keep in mind I had paid XXXX and XXXX payments, but they did not count those as my house payments as they should have been. 

Then paperwork I signed also has a payment amount of {$1200.00} for a payment each month yet they insist on the payment being {$1300.00} or they will not accept the payment. How can they force me to make a higher payment when it is approved and notarized with the {$1200.00} amount? And now assessing me a charge of {$40.00} stating I was behind in payment and they had to do a drive by inspection to see if someone still lived at the property this is per XXXX ID # XXXX a supervisor who told me it is a valid charge and they want me to pay XX/XX/XXXX payment of {$1300.00}. 

Something needs to be done about this company and their unethical practices. 

I am attaching 2 pieces of proof of what I am referring to.

Company response to consumer: Closed with explanation