BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-21
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX assigns and transfer a deed of trust from XXXX XXXX XXXX to Bank of New York Mellon a deed of trust instrument # XXXX recorded in XXXX XXXX records in California on XXXX. 
The address and information in this assignment is from debt collector, The debt collector XXXX XXXX XXXX XXXX  made false representation about, this assignment. 
XXXX XXXX XXXX  are collecting on a trust that is been charge off on XXXX and when they receive the debt was already on time bare to collect. 
I want bank of New York Mellon to release this loan that is not in their book entry. 
And XXXX XXXX XXXXXXXX XXXX rescind the corporate assignment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I was frauded out if {$3900.00}, paid for security deposit and 1st month rent via cashier check XXXX, Chase Bank. XXXX XXXX, via XXXX XXXX, XXXX XXXX XXXX XXXX Went to Chase Bank to report the fraud and no help was provided. Filed complaint with FTC and police report with XXXX Police Department. 

Individual represented himself as owner of rental property, requested cashier checks for payment, and never met to provide keys to rental property. Now, not answering phone nor returning text messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am on ssXXXX ssXXXX and i use chase as my deposit account. i live in XXXX wa a very small town with only XXXX chase atm and its only available during the hours XXXX XXXX XXXX XXXX and located in the center of town. to use that atm its free but any other i get charged the fee of that atm plus chase charges a non chase atm on top of that. i should not be charged to access my funds ( gov funds ) and when i am they should credit me for it each month. chase has not been doing that, i have been a member of chase for 3 years and they have only refunded one fee of {$3.00} in that time for non chase fees. i requested a refund and have been repeatedly denied. 
also i cant use mobile banking because my phone number was exposed to a scammer and i got a scam text. i did not fall for it and knew it was a scam right away. i notified chase about this and they disabled my mobile banking and wont let me update to my new phone number without a phone call. i dont have TTY device and they refused to let me update this without a phone call I AM XXXX  and they have it noted and refuse to accommodate so i can use mobile banking while my old disconnected number is on file and cant be updated leaving my account at risk. 
they have refused me assistance in this matter repeatedly and have done nothing but request a phone call knowing i am XXXX 
they are in violation of ada and taking my fees and not returning like they should is stealing my government money!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-21
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX is charging me {$220.00} for service 's from XX/XX/XXXX to XX/XX/XXXX that I did not ever use XXXX ever I have never used any phone service except XXXX XXXX only I have no idea what thus bill is for the acceptance # XXXX the person i spoke with says its most likely idtheft please i am not paying for something I did not use

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 2023-07-21
Company: Chime Financial Inc
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX  {$1600.00} check wouldnt cash had me go somewhere else for {$6000.00} and would be refunded what I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I transferred {$8800.00} in a SAME DAY transfer to my Capital One 360 account. At the end of the business day, they said they still couldn't find the money. I called XXXX XXXX ( who I transferred the money from ) and they confirmed the money had been sent. I logged in online to confirm that the money was gone and that they had completed a same day transfer. Capital One still won't give me my money, which is a problem because I have credit card bills due tomorrow and I don't want to get charged interest and late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX, XXXX, and XXXX, all in violation of my rights according to USC 1681 A 3 my medical inforomation was shared with a 3rd party to whom i know no knowledge of the company is ( Account resolutions services ) the open date is XX/XX/22. I Would like this account to be removed immediately.Because of this my credit has been affected and has caused emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
My mother passed away XX/XX/XXXX. I recently found out there was an account with Global Holdings LLC. The account currently has {$1400.00}. It had several monthly service charges since the time of her death that I was able to find on their website. On XX/XX/XXXX I contacted them to inform that she was deceased. She passed away intestate. I was able to submit to the company her death certificate and an heirship affidavit, which has been all that was needed to handle any matters. The company requested documentation there was no will. I provided them with a statement from the probate judge that no estate was opened. Global Holdings wants a small estate affidavit now. This company just keeps moving goalposts. I stated that I could not get legal representation and file anything with the probate court. I requested this company to just close the account and go forward with their deceased closure policy. I can see that the account is still showing active.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
My American Express accounts were closed in XXXX in error due to billing disputes. Why would I intentionally try to get my accounts closed? I always used and payed my cards on time. It was fraudulent for whoever had my accounts and was not me. I need to be able to apply for another card without getting denied. I have been with Amex since 2018. And I am a veteran. I shouldnt be treated this way for an error that was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
1 ) My check of Wells Fargo bank was stolen and altered payee and cashed at XXXXXXXX XXXX XXXX XXXX XXXXXXXX. per police and FBI report. At XXXX XXXX branch manager XXXX XXXX and Claim dept XXXX both are waiting WF bank contact to negotiate my loss of {$30000.00} dd XX/XX/22. After my repeated claims of numerous times since XXXXnow WF bank all they did was sending a letter to deny of 30days wasn't met per deposit agreement which I was not aware and not received when i opened an account. I got one 13 yrs ago for original account was opened with 60days clause after statement was received.

2 ) Bank stopped sending my paper statements 2 yrs ago and I repeated claimed at the branch many times which some of tellers and officer recognized. I also called several times to claim at customer service and all told me my account is online and paper statement. I don't do online I am over XXXX XXXX old and very scared and poor with online. 
To get paper statement is my right and without it I couldn't discover the unauthorized transaction. No one else touch my account except me and I live very safe area with same address 20 yrs. I am home most of times with mail arrive. Customer service told me there are lots of complain for the missing paper statement like me.They also said WF bank recommend to customer to use online but I like only paper statement repeatly claimed. 
3 ) Bank denies to help me at the branch and claim/Executive office both just turned me down with the same 30days clause. 
4 ) Without any calls/text/emails for unusual transaction of large amount was very bad service. My checks only 3 and 2 others were only {$120.00} & XXXX XXXX this is my pattern. 
5 ) WF XXXX XXXX br teller told me the check was clear and not to worry on XXXX XXXX This leaded to make me believe the check was paid no problem.

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 2023-07-22
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I got a new insurance company and they billed XXXX for my homeowners insurance on XXXX XX/XX/2023. XXXX has yet to update their records to reflect my new insurance company. Im not sure what else to do to get them to update their records, and they are about to pay my old insurance company.

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 2023-07-22
Company: Exeter Finance Corp.
State: LA
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: Investigation took more than 30 days

Complaint:
I have requested that Exeter Finance to remove my payment history off my consumer reports. According to ( 15 U.S. Code 1681 A ) they are not allowed to report my payment history on my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In response to my first complaint XXXX XXXX XXXX XXXXXXXX XXXX called me and said there were 2 cashier 's checks sent to me on XX/XX/XXXX and a third check was sent on XX/XX/XXXX for the 3 accounts PNC bank closed without good reason, totaling {$29000.00}. I reminded XXXX on Thursday, XX/XX/XXXX that I am very low on funds and I must get some money as soon as possible. She made a reference to her need to stop payments on the original checks after so many days and promised to expedite payment to me. I asked her if she could wire funds to my bank as I am in financial distress. She answered no they won't do that. She promised to check back with me today but she did not call. 
It has been 18 days since PNC closed my accounts and I have yet to receive a XXXX of my money while I am going to be in arears with my bills and financial obligations. They are not being helpful nor are they expediting anything. They don't even call back when they promise to. How long must I suffer this financial hardship while they disinterestedly drag their feet? When I ask them why they have done this to me, a customer in good standing for 38 years, they answer that they aren't required to disclose their reasons for taking this action against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Chase issued me two credit cards one in the name of United Airlines Mileage card and other Marriott XXXX  point Rewards cards. They actually lured me into signing these cards for me by spending thousands of dollars in XXXX months in return gave me bonus miles and reward point. I made initially big purchases with these cards and have been paying off regularly once monthly statement generated. I never delayed my monthly payments. Now suddenly ON XXXX they canceled both my credit with total credit line of {$29000.00}. Myself being senior citizen worked hard all my life and now I also have to refinance my reverse mortgage where I could get big credit line like $ XXXX but unfortunately because of their sudden closure for none of my fault I can not refinance because my credit score will drop down as well I am unable use these credit cards to earn more miles and bonus points.To me it looks they have no business ethics and have been very harsh to me. The only reason they told me that many years back I have stopped their credit cards like British Airways, Amazon and Marriott cards but if that was their concern why did not they stop when luring to these XXXX cards. 
Thanks and best regards. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I recently applied for a capital one XXXX. I was asked to provide proof of income in which I did. The account has been approved with a horrible XXXX credit limit. I am also an account holder of a capital one quicksilver credit card. I was initially given a XXXX credit limit on this account as well and was recenly extended an additional XXXX $ in credit. Captial one seems to be unfair in their underwriting practices. Are they providing other races with higher lines of credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Capitol One is not keeping up with their fax that I sent with my driver 's license and Social Security Card that was needed and sent them these documents twice that were required. I need to know what the delay is and hold up. 

First fax was sent on XX/XX/2023 XXXX fax was sent XX/XX/2023 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: U.S. BANCORP
State: VT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
During loss Mitigation = We sent all documents into US Bank via online portal and they never requested any further paperwork until 3 months later. 

Recieved letter on XX/XX/XXXX and was never mailed nor uploaded into our online service until XX/XX/XXXX stating we didn't submit self employment tax records : sent XX/XX/XXXX, profit and loss missing ( sent XX/XX/XXXX ) and descrepancy in address ( stated over the phone we have a po box XX/XX/XXXX ) Recieved a second letter stating the same thing and made us resubmit and reapply all documents XX/XX/XXXX XX/XX/XXXX us bank request again individual and business taxes with updated signature and require verbal and written notice of hardship. 

XX/XX/XXXX = we called to check on our application and yet again they say we are missing profit and loss statements ( as of XX/XX/XXXX they have requested profit and loss XXXX ) XX/XX/XXXX we again call us bank to check on missing information and they say the under writers are requesting full year of our business profit and loss now with different dates then previously. 

XX/XX/XXXX = us bank sends letter stating only option is to short sale or house.. ( we have never missed a payment and our equity is XXXX what our mortage loan is. they state all available customer assistance reviews we are not approved for XX/XX/XXXX we sent appeal request, they never mailed an acknowledgment of appeal until XX/XX/XXXX which states they will respond on seperate cover by XXXX about loss mitigation appeal and never do so. at which they also state there is no issue with or escrow and no error that occured. our tax bill for XXXX states we had a state tax refund and the remaining balance was XXXX. Us bank states it's XXXX. this has been occuring since XXXX we request another escrow anaylsis and they never do it. 

XX/XX/XXXX they say our payment is XXXX but since XXXX  it has steadly gone up every month and is now currently at XXXX. 

XXXX paid XXXX dollars to reinstate our mortage XXXX  and they paid in over XXXX dollars to our escrow and can't tell us how our escrow got to under a XXXX dollars by XXXX. 

US Bank is also charging us " USDA fee XXXX of {$400.00} out of our escrow every 6 months " and we have had our mortage with this servicer since XXXX and never had that charge. 

WE have had emotional and physical reprocutions from US Bank and how they have handled things and tried to take our home. How they continue to hide where our escrow payments are going, and the lies we get told by customer service is not okay.

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 2023-06-27
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,15 U.S. Code 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev next ( a ) DUTY OF FURNISHES OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonab e cause to believe that the information is inaccurate. 
( B ) Reporting information after

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 2023-07-31
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 deposited XXXX in the the ATM machine. 
The money never showed up in my chase bank account. 
I called to dispute my money they gave me the money till they investigated and then without any explanation closed the case and took the money back. 
I spoke to branch they cant help. 
I told them I have proof that I deposited the money. And there is camera In the bank and on the ATM machine they could see I deposited the money on that date. 
They dont care and they not giving me my money back. 
I work hard for this money and I dont understand why they cant investigate more?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: SYNCHRONY FINANCIAL
State: CA
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 am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. I have highlighted all the discrepancies. Please remove this inaccurate information as you are in violation.

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 2023-04-27
Company: Experian Information Solutions Inc.
State: FL
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Date of inquiry : XXXX XXXX XXXX  Date of inquiry : XXXX XXXX Date of inquiry : XXXX  XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX  Date of inquiry : XXXX XXXX   Date of inquiry : XXXXXXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX   Date of inquiry : XXXX XXXX XXXX   Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX  Account Number : XXXX

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 2023-04-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I was looking at my Experian credit report XXXX XXXX and I notice my information was found on the XXXX XXXX they opened accounts with my information I never heard of or applied for I want the credit companies to fix this matter immediately cause im always turned down from mortgage or trying to apply for credit

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