BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 at XXXX, I withdrew {$400.00} from the Chase Bank ATM located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX I withdrew the money from my XXXX card to cover a debit from XXXX XXXX to my Chase Checking account ending in XXXX. 

I deposited the cash into my checking account and while the transaction was processing the prompt told me to " remove my card ''. 

Once I removed my debit card from the ATM machine, an error notice appeared and said my " transaction was canceled due to removal of the atm card '' ... but it NEVER returned the money. 

I was only able to successfully process the check for {$71.00} issued from SELF, but the cash deposit WASNT RETURNED and my account is currently in the negative. 

I tried contacting customer service for Chase Bank but I am outside of business hours.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-31
Company: NAM National Arbitration and Mediation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
My friend received a call at work in reference about me owing money. Told her about allegations against me and said he would have my drivers license suspended and wage garnished plus contact the social security for fraud. Is this legal in Texas to have a company named ADR XXXX Group to call a third party person to leave this information?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: Paypal Holdings, Inc
State: MO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My previous complaint on paypal yesterday regarding the limitations on my account has been taken care of by paypal after they received the complaint from your office. HOWEVER they have not released my XXXX stimulus that was deposited into that account on XX/XX/XXXX. 2021. When I ask all of a sudden my account shut down and I could not log in and it would not Allow me to take screenshots of the page. 
Now paypal said last week on a phone call that all stimulus deposits was received and deposited to all accounts. However but mine is not there at all period. 
Again. They will not answer me back and I have messaged and emailed several times. 
I really need my money. And it is illegal for PayPal hold or hide it. 
Please help one more time. thank you all so very much XXXX ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: Caliber Home Loans, Inc.
State: LA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been declined for fraudulent reasons by Caliber home loans. I have been trying for months to get a loan modification. I am over my hardship. Caliber is now declining me because I 'm over my hardship and back on my feet. They state I make to much money. They are also declining me based on FRAUD appraisal of my property. They state I have a LTV of 70 %. I have spoken to a licensed appraiser and a real estate agent. They value the Caliber is using is 100 % fraud. I thought that the lenders in America would learn from the greed and mistakes from the mortgage crash of 2008. Caliber is clearly acting like a predatory lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
A hacker accessed all my Citibank Accounts and use the XXXX function to do several unauthorized transactions : 1 ) Checking account ending XXXX On XX/XX/XXXX and XX/XX/XXXX a total of 9 XXXX transactions totaling $ {$4900.00} 2 ) Interest Checking account ending XXXX On XX/XX/XXXX a total of 3 XXXX transactions totaling {$2400.00} Citibank customer service never alerted us on those consecutive unauthorized transactions. A police report was given to Citibank, despites several phone calls and many hours spent asking for a report of their investigations, still Citibank hasn't provided proof of their investigations or refunded the amount stolen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-13
Company: Netspend Corporation
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I called company 4-5 times about my card never got my got had money in it as well I need to have someone call me immediately I think someone is using my personal information with this companyor company is not sending my card and holding money. Please contact me at + XXXX. 
XXXX Thank you XXXX XXXX customerservice@netspend.com president@netspend.com netspend.com

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I had {$6000.00} stolen from my Chase Bank Account in two separate {$3000.00} transactions. I was able to get the money back from my bank, but am still unsure of how the money was stolen in the first place. XX/XX/2022 is an estimate of when the money was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX a debt collector by the name of XXXX called me XXXX and left a message. At XXXX that same day XXXX then called one of family members and advised them I have a debt and she called on behalf of a creditor. 

I called XXXX to understand why she was calling me and my family members before confirming whether or not the debt was mine. 

I asked XXXX if I provided the number to the reference she called. 

She said no. 
I didnt confirm the debt nor did I provide any numbers and XXXX reached out to my family by skip tracing information. 

I advised XXXX I am not responsible for this debt and she should not be calling me or more family. 

XXXX was rude and XXXX and I want to be removed from their calling list I also want the company addressed for harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I received a call on XX/XX/XXXX from Bank of America for my loan modification, and the received a an intent to close letter as of XX/XX/XXXX. It is as if they are pursing modification and foreclosure at the same time. All of this is putting distress on me and my husband. This is my husband 's mortgage and I assist him. I am a 10 month employee, and our income is limited because he is not working.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Other

Complaint:
Received threatening voicemail from a XXXX XXXX from XXXX XXXX XXXX stating she would be going to my place of work ( within the hour ), if I was n't available, she would find out from someone when I would be, then she would be going to my home, and then to a relatives home. I called them back. They would not tell me anything until I verified the last XXXX digits of my ss number. ( She stated ( " it is public information anyway " ) I did so I could get info. Said I had an outstanding debt with Citibank. Offered me 3 options or court. I told them court. She told me " Good luck ''. I then called CFPB and spoke to XXXX who instructed me to call Citibank and verify their credit debt collector. I called Citibank and spoke to XXXX who after researching my ss number found I had never had an account with them and also verified that they do not use XXXX XXXX XXXX. Called CFPB back and spoke to XXXX who instructed me to file complaint.

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 2023-01-03
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was approved for loan modification on XXXX and still got evicted on XX/XX/XXXX. I was current with the monthly mortgage and Wells Fargo returned my check from XXXX to XXXX up to the eviction date. 
Wells Fargo did was no help 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 2021-12-21
Company: Shellpoint Partners, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I already have a complaint that was filed with you ..case number XXXX XXXX.I wanted to add that my loan was in the " Conditional Approval '' stage with some conditions that I needed to meet. The condition was that I make repairs to the deck and and have re inspection done..well I did everything they asked of me and deck was inspected and passed..they are now saying that they are denying loan because I need porch repaired and inspected. I have explained to them and supplied documents of this being done. The loan officer XXXX XXXX does not like me because I have been pushing him to get stuff done on a refi that has now taken 3 months. He takes delight in trying to make loan fail.He will not respond to any emails or phone calls. I have met the criteria and have documents to prove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: REGIONS FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Late fee

Complaint:
For recent months I 've rec 'd bills from XXXX that include {$75.00} late fees. This month XXXX rec 'd my bill on XXXX XXXX ( though the statement date is XXXX XXXX ) and it 's due XXXX XXXX & they say it can take 7 days to process payments once it 's rec 'd at their processing center. I 've called about this before and they say that I should access my bill online and pay online to avoid late fees but I wonder if they should n't give sufficient time to allow consumers to pay by check after receiving the hard-copy of the bill? And, if they choose not to that, should n't the late fees be reasonable? {$75.00} late fee on a single {$34.00} gas purchase is robbery. And, If they continue this practice, should n't the disclosure literature include a statement that there is no way a mailed payment will make it on time if they are allowed to take so long to process it once they get it and that they will not send the bills in a more timely manner and that the fee is now {$75.00} not the original ( also high ) {$35.00} that is was when I signed up for the card?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-06
Company: AFNI INC.
State: OK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company has been allowed to put false information on my credit report. I do not owe them a debt. Each time the debt is added to my report it is sold to another XXXX of these " companies '' and readers to my account. Each time with the same incorrect information. I do n't understand how it is legal for XXXX to allow this. Furthermore, this '' company '' has placed factually incorrect on my report. How exactly are they the original creditor? How exactly did they become responsible for the account on XXXX XXXX, XXXX, when my last credit report pulled was XXXX XXXX, XXXX and they were no where to be found.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Bread Financial Holdings, Inc.
State: IN
Product: Credit card
Issue: Balance transfer

Complaint:
Comenity Meijer. Got an offer for balance transfer zero interest until 2018. I initiated the balance transfer online from this card to XXXX for {$900.00}. It posted to my account XX/XX/XXXX. I followed up got late fees and interest. It never posted. Comenity indicated to wait, it could take weeks or months. In XXXX I believe I contacted them again via messaging. Finally they opened up an investigation. In XXXX I received a letter that it was never cashed and I called to have the money returned to my account. They advised they would stop payment immediately and get the money back into my account. They never did. Called again in XXXX and they said they 'd investigate. Never called back. Called back again and was told it was cashed so I asked ONCE AGAIN for a copy of the cancelled check. I was told a request would be escalated. Instead I got a letter confirming the check number XXXX cashed and they were closing out their file. I called today for a copy of the cancelled check AGAIN and the rep said the next day notes were put in the day after the letter was generated, XX/XX/XXXX, that check was NOT cashed. I said then stop pay and refund my account immediately. She said she 'd send to the person assigned to look into this. My first inquiry was XXXX and now it 's XXXX and I am out of {$900.00}. I need this resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Waypoint Resource Group, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Waypoint Resource group out of Texas randomly decided that I allegedly " owed '' some debt in the amount of {$40.00}... I have never heard about them prior to this letter, nor do I have any transaction relationship with them. On top of that, they are sending it to me at my home in XXXX!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: CURO Intermediate Holdings
State: NM
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Speedy Cash charges 392.591 % and I will loose hundreds of dollars on this loan. They put all of the interest up front and when I make a payment. They mislead you when you try to talk to them and then they lie when they say they never receive my email communication. My partner has a loan as well and they did n't put all of the loan and interest up front.

Company response to consumer: Closed
Consumer complaint received 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After submitting numerous disputes Transunion continues to report wrong false information on my consumer file as accurate.

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 2021-01-25
Company: Conduent Incorporated
State: AL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2020 unauthorized with draw and transaction was made on my Alabama vantage card by way2go program .I did not do none of the transaction. On my card .it was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: BANK OF THE WEST
State: HI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received a letter from the Bank of the West where I have a checking account in which I typically retain a significant balance that I am going to be automatically charged a monthly " Paper Statement Fee '' of {$3.00} unless I elect to receive Online only statements. I have had this account for decades and I object to being 'coerced ' into doing business online.

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 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have recently pulled my TRANSUNION consumer report and notice accounts that have been investigated and deleted by another credit bureau and still being reported by TRANSUNION. Attached to this letter is proof that these accounts were deleted by XXXX. They just need to be deleted in order to show my true credit history. Transunion is in violation of the Fair Credit Reporting Act ( FCRA ), reporting and furnishing this false information. This violation results in {$1000.00} each account that is reporting on my Transunion account that is not reporting on my XXXX account which includes. Account Name/Account Number : XXXX XXXX  XXXX XXXX XXXX Account Name/Account Number : XXXX XXXX XXXX  XXXX XXXX XXXX / Account Name/Account Number : XXXX XXXX XXXX XXXX / XXXX Account Name/Account Number XXXX XXXX XXXX  / XXXX Account Name/Account Number : XXXX XXXX XXXX XXXX XXXX. Pursuant to the ( FCRA ) 15 U.S. Code 1681n.

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 2016-05-13
Company: Credit Protection Association, L.P.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This is the letter I sent to CPA with no response. It explains the negligent actions taken by the debt collector. I would appreciate my name being cleared or restitution being made for the adverse effects this has on my finances " I received a letter about a collection being made for XXXX XXXX. It was actually for my roommate, but the account was in my name, so that was not your fault. The letter threatened to report to the credit bureau if I did not pay or set up a payment plan. Not wanting the hit on my credit, I decide it 's just best to take care of it myself. I call about setting up a payment plan, and am told it can only be divided into 2 payments. So I pay the first and set up to pay the second in a months time. I am told that I have complied with all requests, and as long as I make my final payment, there would be no more action taken. About a week later I relieve a letter saying that my remaining balance has been reported to the credit agencies. I confirm on a credit site, and sure enough, my credit has taken a huge hit due to this. I am in the market for a car and house and this has set me back an immeasurable amount. I believe, at the very least, the rest of my debt should be forgiven, and I would like a formal notice sent to the credit agencies that you reported to. If that repairs my credit to the previous state, I would consider the matter resolves. But such a hit to my credit would take an extremely long time to repair as well as costing me thousands of dollars. I complied with every request of yours and was still adversely affected. I would really like for you to make restitution on this matter as I do not want to have to contact further agencies about the matter. I do not believe honest business tactics were used and I will take every avenue I can to right this injustice. Thank you for your time, and I look forward to hearing from you soon. "

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-10
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card
Issue: Delinquent account

Complaint:
My ex husband opened an account in my name without my knowledge. He then had the address for the statement sent to an address I was unaware of and then defaulted or was late on a payment. I have tried contacting the company in question to tell them this is a fraudulent account but they have not removed the derogatory marks from my credit report. I have tried disputing the items as well with the bureaus. These marks are negatively affecting my ability to secure a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I attempted to open an account online for the XXXX XXXX XXXX XXXX  on XX/XX/XXXX. I spoke to a CSR and was told that I did not open the correct account even though I followed the Offer instructions but that the account could be corrected on XX/XX/XXXX. I called back on XX/XX/XXXX and was told by a CSR that I could not participate in the offer. I still want to participate.

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