BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-10
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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:
The response from Citi Cards has cleared up a lot confusion, however, I was never notified by Citi Cards that my XXXX payment was behind. My XXXX payment was around the same time that I entered the payment program and my payment slipped through the cracks, which was my responsibility. I was going through a separation at the time and my mind was in other places. Furthermore, if Citi Cards would have alerted me to my missed payment then I would have rectified the matter immediately. Instead, Citi Cards made it appear that I was making my payments and did not make any reasonable efforts to notify me that I was behind. Citi Cards could have communicated a lot better and shown better business practices. I made a human error and fell behind, but with a little help from Citi Cards, I could have made things right. I still do not feel my situation was treated fairly and will be contacted my Attorney Generals office, to look into any ethical violations on behalf of Citi Cards.

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 2015-04-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I currently have a loan modification application submitted to Chase. My loan has been in and out of the forecloure process since XX/XX/2009 The original foreclosure case was withdrawn by Chase following numerous fraudulent actions by the lenders Attorenys including XXXX, forgery and inproper notice to myself and my Attorneys. Chase has reinitiated the foreclosure law suit with the same Attorneys, who we have made several attempts to submit an offer to settle however they have now requested that a new loan modifiacation request be made. That request was made by me and I have confirmed that Chase has the documents and are processing the request. The Attorney for Chase is aware of the application as well. Chase has refused to halt the foreclosure while the modification is in review, Florida is a judicial State and the trial date is set for Monday XXXX XXXX. Furthermore, as of today the Attorney 's for Chase provided inacurate status report as to the modification request to my Attorney saying that Chase has contact me directly, which is not permitted as I am represented by an Attorney and which they did not do, and also my Attoeney which was also not the truth. No contact has been made by Chase. I did contact Chase to confirm that the file was recieved and in process. My legal rights have been abused by Chase and the law firm of XXXX once already. I deserve a fair review of my modification without the threat of lossing my home during the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: M&T BANK CORPORATION
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX, XXXX, I faxed a payoff amount request for Account XXXX. XXXX, XXXX XXXX Property Address ) to M & T Bank. The inquiry was faxed to the payoff fax number listed on my latest statement ( please see attachment ) to M & T Banks XXXX Department. 
In my correspondence ( please see attachment ), I informed M & T Bank that I was requesting the loan payoff amount associated with my loan ( Account No. XXXXX ) ; however, I still have not received any type of response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28
Company: JPMORGAN CHASE & CO.
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I just got off of a very frustrating phone call with Chase and wanted you to be aware of a bank policy that is hugely profitable for them, and unnecessarily punitive for their customers. 
Thursday evening, XX/XX/XXXX, at XXXX Chase processed a {$20.00} check I had written to my son 's school. We were cutting it close that week, but as of XXXX when I went to bed, we still had a positive {$4.00} balance in our account. I know. Like I said, we were cutting it close. But since we had that positive balance, as meager as it was, I went to sleep thinking " phew, we made it, '' because my husband 's direct deposit would be in our account at XXXX. 
However, I 've come to learn that we did n't make it. 
Chase begins processing transactions at XXXX and this {$20.00} was processed, overdrafted our account, and we were charged a {$34.00} overdraft fee just in time before the paycheck was directly deposited. Seems pretty convenient for Chase. 
I absolutely take responsibility for cutting it far too close for any error that week, but to be honest, that 's what many of us do who are living paycheck-to-paycheck. 
In XX/XX/XXXX, America 's top XXXX banks, Chase, XXXX XXXX, and XXXX XXXX XXXX raked in OVER XXXX in overdraft fees. They make that profit on the backs of people like me and my family. The people who can least afford it. 
Additionally, to keep in mind that my bank processed my check and fee while I was sleeping, when I was in no position to rectify the situation, but also did n't even know about it is sneaky and shady to say the least. 
Had that transaction taken place while I was awake, during business hours, I could have transferred money from my savings to my checking to avoid the {$34.00} penalty. 
The working class sure got a lot of attention during the XX/XX/XXXX election, but I want my elected representatives to remember that the loss of manufacturing is n't the only thing hurting working class people. 
We pay heavily in our day-to-day financial interactions in fees, interest, and penalties and the safety net enjoyed by the wealthy is far out of reach for us. 

I greatly appreciate your time and the work you do for all of us. 

Optimistically, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-10
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They ( XXXX XXXX XXXX XXXX are calling me repeatedly and I have blocked their number, but they continue to use other phone numbers to contact me.

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 2015-05-19
Company: JPMORGAN CHASE & CO.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I got a phone call from an unknown number at XX/XX/XXXX, I asked what it was about they told me a Chase account. I explained to the that it is ID theft and that I had a police report to prove it, and I could fax it over he then HU on me. I did not hear anything back until XXXX/XXXX/15 with pre-recording to call XXXX I called the number back and tried again to explain this was due to ID theft, the lady said that they called Chase and they said they had nothing showing it was ID theft, I explained to her that I had also called them and they had no clue what I was talking about, I then tried to explain to her that I have proof and she hung up on me. I called back asked for a supervisor and she refused said there was no one above her, I explained XXXX and I know that there is someone else I can speak with that was not so rude. she then said that if I was XXXX I should pay my bills, I told her that she do n't know me and that I do pay my bills and she hung up on me again. I called back and asked her to please have a conversation with me so I can explain to her what has happened and she just kept over talking me and yelling that they do n't belive me and that because I am a XXXX I have just found ways not to pay my bills. I told her to stop prtending like she knows me and to listen to what I had to say and she told me they are unwilling to work with me because I was irate. I told her I am not Irate I was just trying to explain the situation and she said do n't call again and hung up on me again. I called back and told her that I want to get her fax number so that I can send over the police report and she threatened to sue me if I called again, I told her I do n't understand you called me and I am calling back to explain and she just hung up on me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: Genesis Lending
State: CO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Currently I have student loans with Genesis Lending from classes that I attended at XXXX XXXX XXXX in XXXX, Wyoming from XX/XX/XXXX till XX/XX/XXXX. I am a veteran of the XXXX XXXX and as though I did receive benefits from my XXXX G.I. Bill, the money had to be used for living expenses since my husband and I were unable to receive campus housing due to our marriage status. Because of this, we were unable to use the G.I. bill for its intended use and now we are paying the student loans. Considering XXXX provided high hopes for attending the school, I became a XXXX GPA student and graduated with above and beyond characteristics. When I attended the introduction day where I had to sign tons of papers, I remember specifically them telling me to sign a paper for a private Genesis loan in which I had not been aware of. They wanted me to do this since I did n't not qualify for some other loan. The lady insisted that it was a good loan although I feel I did n't have much time to think about it and I feared that I would not be able to attend school if I did n't do this. I do n't remember going over interest rates or loan amounts but she did tell me they would wait till we graduated to pay them back. After graduation, I applied for many positions and did receive only XXXX call back. In addition my husband received XXXX. I became sole provider till he found a job but I was not properly prepared to work in the position I ended up getting as an XXXX at XXXX XXXX. My hands on teachings were out of date for the current repairs that I had to make on vehicles. I feel that my husband and I were ill-equipped for entering the XXXX as they had lead us on to be as well as my above and beyond attitude that I worked on while attending did not seem to have made a difference. I currently am a XXXX and both my husband and I feel that we did not receive enough or the right sort of education that would help us in the XXXX. We have felt like this for years. Our loans had been on multiple deferments and forbearance as well as while I did have a job, I do remember specifically XXXX instance where I received collectors calls and I had to tell them I could n't pay them back but the lady insisted that I make a payment that very day. The call ended in tears. Myself as well as my husband where not happy with our education as well as the position that we were left in when he could n't get a job and that we had to use the benefits money to pay for our living expenses at the time. We are still to this day trying to get ahead even with our loans on forbearance.

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 2021-08-05
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid an extra payment of {$10000.00} on ONE check noted to principal ONLY. My payment was split up as partial principal and partial house payment - I received 2 email notifications which is what brought it to my attention.

I was told the amount of {$1300.00} was applied as a regular payment with interest when I called to questions the split notice even though my payment is on autopay and was just paid for this month on the first.

100 % of my {$10000.00} should have been applied to Principal.

Only {$8900.00} was applied to my principal. 

LOAN NUMBER XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I would like the {$1300.00} applied to the principal ONLY on the address listed as indicated on my check and payment stub supplied with the check. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is not responding to any of my numerous requests to investigate, verify and remove some accounts from my credit report that do not belong to me.

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 2016-07-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have been working on an account that is being reported by XXXX. I requested information directly from them asking for validation of the debt. What I received was a letter stating that the account has been sold and that I would need to contact the other company. How can the bureaus validate this if I an unable to and I am the one that is suppose to be responsible? I have disputed this with the bureaus and still have not gotten any type of answer as to how they can validate something that I ca n't.

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 2021-08-05
Company: McCalla Raymer Leibert Pierce, LLC
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
This is a complaint about XXXX XXXX XXXX, although theyre a law firm, in this case by their own admission they are acting as a collection agency, therefore my complaint against them as a collection agency. I have received a letter from them on XX/XX/XXXX, marked as Exhibit 1, alleging I owe a certain amount of money to my Mortgage Company and they asked me to request verification of this alleged debt within 30 days of their letter, in response I sent a letter marked as Exhibit 2, which hat they received on XX/XX/XXXX. According to their letter, I had 30 days to verify the debt which would give me time until XX/XX/XXXX. To my dismay I have received a non-Judicial foreclosure notice dated XX/XX/XXXX. Marked as Exhibit 3. 
This is a clear violation of FDCPA which is a federal law. I would like you to look into this matter and take appropriate action against the collection agency whos responsible for this violation. 
Thank you for your time, looking forward to hearing from you soon. 
FYI, XXXX XXXX was known as the foreclosure mill in the state of Georgia during the 2008 financial crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: ID
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:
Someone had fraudulently opened a personal loan in my name at Cash Central, strictly an online facility. I filed a fraud report with the Federal Trade Commission, XXXX XXXX and XXXX Cash Central had me on hold for 4 hours while waiting for their consumer affairs department. After hour 6, a recording came on saying the phone call was out of normal business hours and to call during those hours. I called the next day at XXXX mountain time. Customer Service connected me to the Consumer Affairs where XXXX took my information and put me on hold for another 3 hours. Finally another individual picked up but would not tell me her name. She finally finished getting my information and told me they do n't send the forms out for 48 hours and that I have 4 days to get the form back to them with a police report number. Day 2 and I have not received any form or correspondence from Cash Central. XXXX Ut Police Department has 230 cases of fraudulent activities from this company. They wo n't except the fraud forms and take the victim of fraud to collections for a loan they did not request. This company is fake, actively seeking anyone for their personal information.

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 2021-08-05
Company: MNS & Associates LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This is regarding a debt owed soley by my husband, not tied to myself. The person who contacted me begin asking questions about my husband, telling me that this was a debt situation for XXXX XXXX XXXX, was I aware of the situation. He also asked if we were in the process of getting a divorce and said we live in a XXXX XXXX XXXX dollar house and asked why we arent paying bills. 
This information was over the line and if the debt is not mine he should be speaking with my husband, which is what I told him. He continued interrupting me until I finally hung up on him. 

The reference number to this is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a letter fro m Capital One  Bank dated  XXXX   XXXX ,    2017 stat ing  that Capital One  Bank was closing my account due to Principal ow ner ( s ) have  past, present or pending legal action on acct ending  XXXX  which is my personal account. I have contacted this bank and asked them what legal action do I possibly have they would not tell me, I knew I had none pending in any cou rt , county o r anywhere except for a divorce. I told the bank representative that all i had was a divorce but they insisted it was more I searched all federal and state records and even had an attorney look into it and he stated he could find none. Then 2 days later I received a letter dated  XXXX   XXXX ,   XXXX   stating tha t Capital One B ank was removing one of my authorized users from my business account ending  XXXX  because of her past, present or pending legal action even though she is not responsible for this account she is just an employee. Then I received a letter from  Capital One Bank  stating that they were closing my business account ending  XXXX  all together for these same strange reasons of past, present or pending legal action. I have not been charged with any crime or convicted of anything. I have paid these cards faithfully one time and with extremely more money than what was required for the minimum payments du e. Capital One has hur t m y Credit Score b y closing these accounts with balances on them and this sort of action is very unfair and should be against the law. I am including copies of the letters from this unprofessional, inconsiderate bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
report paid in full i file a disputed on XXXX  credit rental data also they said they can not update my report even whit the paid in full letter call later to the debt collectors and they said they only can do a letter for me thats all they cant do anything about it still show in my credit report in rental area

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: Financial Credit Service, Inc.
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On  XXXX   XXXX ,  XXXX ,  XXXX  Asset Recovery Associate s Inc. ( ARA ) conta cted me, and informed me I had to pay a {$1200.00} debt for an old  XXXX   XXXX  card. I told them that it had been settled around   XXXX - XXXX  but  they insisted I would have to pay to avoid legal repercussions. Specifically a derogatory mark on my credit history to start. I explained again that the debt, which had gone into default in  XXXX , was settled and whatever paperwork I had from it was no longer on file since it was past statute of limitations for keeping it. I asked what legal claim they had to be asking for the money, and why they had n't sent me anything in the mail, to which she replied they were not obligated to do such. If I wanted they would send me paperwork on the settlement if I agreed to pay 10 % of the total debt so they could send me an overnight package containing the information I wanted. This {$120.00} dollars would also stave off any legal action. I received a package the following day which contained a receipt for the {$120.00}, a paper stating I had to pay {$1200.00} by  XXXX   XXXX  or suffer derogatory credit reports, and a self-addressed stamped envelope to mail said payment in with. The first {$120.00} was not removed from my alleged debt, and there was no validation notice, affidavit, or any other legally binding proof that I owed the debt, again. On  XXXX   XXXX , they contacted me again to make sure I 'd gotten the package, and to verify I was going to send more money to which I replied that I was not sending any more, I wanted my initial payment back, and that I was not obligated to give them any money. She told me I would have my wages garnished, and they 'd take me to court if need be. I hung up. After talking to my local bank manager I got copies of all my credit reports, which the debt in question was not on any of them, and he suggested I call ARA and request they refund my money, and cease any more actions over this fraudulent collection, when I mentioned the lack of a validation notice or paperwork explaining my rights under the Federal Credit Bureau and that they were trying to claim an already paid debt she hung up on me. I attempted again on the  XXXX  of  XXXX , and the associate said she 'd put in a request and promptly hung up on me again.

Company response to consumer: Closed with explanation