BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
XXXX time is stressful especially on a fixed income. I answered an advertisement to become XXXX, along with many other ad 's at that time. However, when I arrived home, I had a Priority mail parcel. it and there were instructions on how to evaluate a few stores, XXXX or XXXX XXXX, XXXX XXXX and XXXX XXXX. I have all the instructions, and correspondence. 

Anyway, there was a Cashier 's Check included with the instructions, so the next day I took it to my bank, because it needed to clear. Meanwhile XXXX XXXX, sign up supervisor had emailed me asking if I had completed my first assignment. I explained I read through the instructions and deposited the Cashier Check into my bank and was told they could n't cash it and needed to hold it until the funds cleared. I felt confident and waited. The check cleared and the funds became available, so I proceeded to carry out the assignment. 

About two days afterwards I received a notice, on my phone that my account was in a deficit and I received a letter showing the Cashier 's Check Fictitious. I alerted the bank and took documents to show what happened to the branch XXXX and called and revisited the branch on broward and XXXX. The branch manager was very nice, unlike the first manager who just dismissed me and did n't want to listen. Still I had no luck because I stayed int he bank for at least an hour on their phone waiting for the Fraud department to assist. I was disconnected and called XXXX XXXX XXXX and left a message to make some type of payment arrangement to avoid not being able to pay my rent. She was indifferent. The bank basically gave me the run around and kept referring me back to different departments. 

I closing, I feel Chase Bank, had some responsibility for holding the check and not seeing this check was fraudulent, because it is their business. I trusted that if they had to hold the Cashiers Check, that it was standard procedure. I 've never had a problem before. I was told some arrangement could be made by the managers and the fraud department, but no one has assisted me. The XXXX told me to lodge a complaint here and I also submitted a complaint to the FBI, Police and Scam guard. 

I feel as though they are somehow enabling such unfortunate events and not even acknowledging this a XXXX crime. Meanwhile, I may end up on the street.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Good afternoon. This compliant is with respect to Bank of America and access to funds, by means of bank branch teller access. 

Bank branch lobby banking remains restricted to a considerable degree at most branch locations in the XXXX, SC market. During the heigh of the COVID-19 pandemic this was appropriate. However, branch hours restrictions continue, and in certain extreme cases, some branch lobbies remain closed ( though the bank entity remains open ). This adversely affects a consumer 's ability to access funds in scenarios where ATM access in not enough ( such as very large withdrawals beyond ATM withdrawal limits, or in the case of obtaining certified funds ). In these instances, use of a bank teller clerk is paramount. 

As recent as XX/XX/2022, one Bank of America branch in XXXX, SC posted their branch business hours as XXXX to XXXX Monday through Friday. This lack of access severely restricts the client 's access to their deposit accounts. Additionally, these limited branch business hours are not industry standard, nor representative of prior Bank of America baseline business practices. This could be construed as purposefully withholding access of client funds, possibly to gain further accrual of interest by the financial institution where the funds are deposited.

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 2015-10-30
Company: PHH Mortgage Services Corporation
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My XXXX Mortgage is serviced by a company called PHH. They are horrible. They are impossible to get ahold of and when you finally do - they are rude and do n't listen. 
Their customer service line is only available during business hours, They hide their number on their website " XXXX '' XXXX how would you ever find this website - it has nothing about PHH on it. Also - when you call into the customer service line they do n't normally answer the phone in under 1-2 hours. They finally implemented the call back option. I tried 3 times yesterday to get a call back ( each time it was longer than 1 hour wait ) and finally got someone on the phone to find out that I had to talk to another department and they put me thru to their line, which I waited on hold another 45 mins. When I finally got thru - they said, write a letter and fax it to us. Then we 'll get back to you ... .. I 'm not looking forward to waiting to get a call back for 4 hours next week - because they wo n't respond to the fax to let me know they got it - or return my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
I had just asked Home Depot to keep my account open. They said it would be closed since I had not used it very often. 
I made XXXX small purchase in XXXX 2015 on my Home Depot credit card. I did n't think anything about.I expected to get a statement in the mail and pay if off. Done. 

I did n't know there was a problem with the Home Depot credit card until it showed up in my online XXXX account. I had no idea that anything was wrong. It was reported that I had missed a payment and it was 30 days overdue. I was shocked to say the least. I paid the balance off as soon as I found out and setup an online Home Depot account. 

Home Depot said the monthly statements with the overdue amounts/notices/ overdue fees were sent to me via e-mail. I never received any of them. I did n't expect the Home Depot account to be paperless so the e-mails more than likely ended up in the spam folder. 

I do n't recall setting the Home Depot account to be paperless. I expected to receive a statement in the mail. They did n't do anything else to let me know the account was thirty days overdue. I did n't even receive a phone call or any other form of communications. NONE. 
Home Depot did n't think e-mail statements were a very good idea for me so they STOPPED my PAPERLESS e-mail statements and moved me over to paper statements. They did all of this without even asking me for my permission or what I would prefer. 

They finally send me a real, paper statement in the middle of XXXX 2015 for the purchase I made in XXXX 2015. 

It is too late to start sending paper statements. Home Depot should have done that months ago. I have never missed a payment in 41+ years of having credit. NEVER. NOT XXXX. Now my credit is destroyed. My FICO has dropped over XXXX points. There is something very, very wrong with this situation. 

I thought this was an isolated incident and was something specific to me. After a few XXXX searches, I am finding out that there are many, many other Home Depot credit card holders that have encountered ordeals very much like mine. 

I want this taken off my credit rating. If they had mailed me a statement like they were supposed to do this would never had happened. They did n't make a good faith effort to let me know the account was going to be overdue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-04
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX we applied for and after 9 months received a modification of our Flex rate mortgage with Indy Mac Bank. The interest rate for our modified mortgage was 2.625 % fixed for the first 4 years and would lock in at the going rate at that time. The going rate was still low after 4 years so our rate stayed at 2.625 %. For the XXXX year or so our modified mortgage was held by XXXX, after that Ocwen Loan Servicing LLC XXXX XXXX XXXX XXXX XXXX XXXX Fl. XXXX now Ocwen informed us that they will be increasing our interest rate by XXXX point starting this XXXX and again each XXXX for the next 3 years. I contacted Ocwen and asked them for the proof in our mortgage documents that allows this XXXX point increase in our mortgage, but all they could provide was the documents from our original Indy Mac loan which includes an unsigned sheet we have never seen before. I than asked for an Amortization schedule showing this " required '' interest rate increase, but the Amortization Schedule they sent shows no increase in interest rate. In fact the Amortization Schedule they sent shows our interest rate remaining 2.625 % through the last payment in XX/XX/XXXX. Please make Ocwen follow our modification and keep our interest rate at 2.625 % till the end of our mortgage. A XXXX point increase could very well price us out of our home, and was never part of our modification agreement. Thank you. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I purchased XXXX XXXX XXXX XXXX XXXX. In XX/XX/XXXX I decided that I want to pay both devices off and switch couriers to suit my financials after Covid. When I paid off the devices I have a receipt that states that The devices are paid off and my account is closed and also That I dont owe anything. But XXXX told me that they dont give out receipts when people pay off phones so I had to go in store and take a screenshot. When I switched couriers to XXXXXXXX XXXX for cheaper services on XX/XX/XXXX I had them for about 4 months or so. My wife bought me a new phone from another courier so now we no longer have XXXX we have the courier she got the phone from. The first letter I received was on XX/XX/XXXX saying that I owe a past due balance of {$600.00} and that my account is suspended for non payment. I started calling XXXX everyday and they couldnt even tell me how they came up with that amount and why am I receiving letter in XXXX if my account was paid off and closed in XXXX?. So I received another letter stating that I owe {$720.00} and my account been deactivated. So I started back calling XXXX  asking about the amount and they still couldnt tell me how I owe that amount. So generally speaking that it takes a phone company 4 months to cut off a phone line due to non payment? Why would I pay anything if For 1 I dont owe anything, for 2 I dont have the service with them, and for 3 account access was denied for me to even log on after I paid everything In full. Then threatens me to pay it or they will put the collection on my credit which they did. So the amount ended up being a collection on my credit and I disputed the debt because its not mine and it got deleted but came back with a different creditor. This collection has been taking a toll on my credit for way too long and the credit bureaus just keep saying that they validated the debt. I never missed any payment with XXXX I never had any late payment on my bill and I paid my devices off. This has to be a misunderstanding

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 2015-04-20
Company: PHH Mortgage Services Corporation
State: AR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am XXXX military. I 've had a mortgage loan with PHH since XX/XX/XXXX. I 've never missed a payment until last year. In XXXX of last year I found out my husband was XXXX from the military and I would be the only XXXX with a job and we have XXXX kids. I contacted PHH ( XXXX XXXX ) in XX/XX/XXXX to request aid with my load. She had me fill out some forms and submit tax returns, pay and bank statements. Since then we have gone back and forth. She continues to ask me for the same forms and documents I 've already submitted multiple times. She will tell me that 's all she needs and my case will be submitted but a month later she sends me an email asking if I still want to do a deed in Lieu request and again asks me for the same forms again. This has been happening for almost a year. My husband got out in XXXX of last year and I started missing my mortgage payments. My credit is ruined and my deed in lieu of still has n't been submitted. I 've contacted her supervisor ( XXXX XXXX ) and she had XXXX XXXX contact me again ( a month after I contacted her ) asking for the same things I 've sent at least XXXX times. I 'm stuck and do n't know what I can do. No one can be this incompetent of they must be playing with me so they do n't have to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: Herbert P. Sears Co., Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
HP sears is attempting to collect debt on behalf of XXXX for the services that I have never received in first place! My numerous attempts to contact them went ignored and now western dental AND HP Sears are calling and mailing harassment letters non stop. Where is the justice here!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I recently contacted  Capital One  on    XXXX   XXXX   XXXX      prior to doing a transaction through a third party website called  XXXX  that does money transfer via  XXXX  services. My first preference was to do a money transfer using my bank since there would be no fee assessed. However, I decided to take a chance with C apital One  using my Credit Card for the transfer. I was n't very optimistic about using a Credit Card for this purpose, however when I spoke with a Capital  One  agent on   XXXX   XXXX  , she assured me that Capital One would not charge any fees including a  Cash advance  fee and the transaction would be treated just like any  XXXX  purchase. I went ahead with the money transfer using my Credit Card only to find that after a couple of days later, there was a  Cash Advan  ce  fee on my list of transactions.   When I called  Capital O  ne a bout this, they had a completely different story to tell. The agent insisted that I would be charged a  Cash advance  fee. I insisted that I speak with his supervisor and the supervisor said the same. Since I believe Capital One records all conversations between Account Holders and agents, I have requested the supervisor to review the recorded conversation from    XXXX   XXXX   . After a few days, another  Supervisor  called me back on    XXXX   XXXX    and told me that she reviewed the recorded conversation and the agent is heard advising me that there would be a 3 % charge. I would however like to dispute this argument and hold  Capital One  liable for providing me false information in the first place and then assessing a fee. I am a Credit Card customer who always pays my dues on time and in full. I had enough money in my bank account to go ahead with this money transfer and would have never used my Credit Card for this transaction if I knew there was a fee. I sincerely hope that I am treated fairly based on my conversation with the  Capital One  agent who told me that a fee would not be assessed on this transaction. Also, the Supervisor I spoke to on   XXXX   XXXX   did not speak to me in a pleasant manner and was borderline rude. I have been a  Capital One c ustomer for several years now and am in total disbelief in the manner they have treated me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: JPMORGAN CHASE & CO.
State: KY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My Chase bank account ending in XXXX was closed by Chase, even though I have had no problems with my account and had very good relations. When I called to understand why my account was closed, they said they could not give me an answer. I even went to the Chase Bank that I always do my banking at and they also could not get any information. I sent a letter to Chase headquarters and a woman who worked there called me. I thought for sure I would get an explanation of why my account was closed, to my dismay it was not. I believe it is because I am a XXXX of XXXX XXXX that they closed my account. I know of numerous people that the same happened to them. They were all either XXXX or XXXX or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a credit card with XXXX. I paid it off in XX/XX/XXXX. Cavalry Portfolio is still showing this on my credit report. It has a date of XX/XX/XXXX. I have repeatedly asked them to correct, but they have not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 Reporting Act, the listed accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX # XXXX ; XXXX # XXXX ; XXXX XXXX XXXX  # XXXX & XXXX ; XXXX # XXXX ; XXXX XXXX # XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX & XXXX XXXX XXXX XXXX XXXX XXXX Each of these companies has violated my rights per : 15 U.S.C 1681 Section 602A which states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : which states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) which states no consumer reporting agency may make any consumer report containing any of the following items of information : any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-30
Company: GOLDMAN SACHS BANK USA
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XXXX XXXX, I requested my XXXX XXXX credit card account numbers from Marcus by Goldman Sachs.As of this date I have not received them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX 2023 received calls from collection agent who threatened to sue and freeze bank accounts if any in my name. Also the apartments that put this eviction knew I was moving out due to lease was up and I had no funds to continue the new lease. XXXX XXXX XXXX XXXX was involved with helping with my rent before my lease was up. Lease was completed and manager knew I was about to be homeless with my children. I just recently got my section 8 voucher this month of XX/XX/2023. And the eviction is also their XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
After reviewing my report, I attempted to dispute two incorrect addresses online. I could not dispute online due to my XXXX XXXX XXXX XXXX reporting these addresses. Once I was aware of an error, I spoke to a XXXX XXXX representative over the phone to resolve and/or correct any errors. 

Then I called Experian on XX/XX/2022 to dispute the inaccurate address and was told it would be updated almost immediately. However, these addresses are still reported in my report.

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 2015-06-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I had previously submitted a complaint against USAA with regards to my auto loan. I was promised a lower rate over than what I am being charged. In addition, the term should have been XXXX months with XXXX payments rather than XXXX months. As a result of that complaint, USAA offered to essentially refinance the loan with the correct terms since they could not fix the original loan. However, I paid for a gap insurance product on the current loan which is tied to the loan, not the vehicle ... so refinancing would have voided the gap insurance and since the new loan would have been a refinance rather than a purchase, I would not have been eligible for repurchasing the gap insurance. The USAA person who was responding to my complaint was supposed to look into this but she stopped responding and none of the issues were ever addressed. I am still paying the higher interest and the amortization period is still wrong.

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