BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
as stated in the last response from boa XX/XX/2016 my modification was filed.the mod agreement payment is XXXX the XX/XX/XXXX statement reflected XXXX .i called XXXX the account rep he stated that that was incorrect and to pay what is stated in your modification.the payment made was XXXX and it was recvd by boa 2 days prior to the due date.boa charged my XXXX late for and XXXX partial payment no full payment by XX/XX/2016. and this will again appear on my credit ... .please something should be done to this financial institution that can not seem to correctly handle their customers finances

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 2022-02-24
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Citibank abruptly closed my checking and savings accounts. I wrote letters to them as required by them and was not given an explanation as to why accounts were closed.

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 2022-07-06
Company: JPMORGAN CHASE & CO.
State: MO
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:
Received notification from my credit monitoring company ( XXXX  ) that there was an account opened under my name with JPMChase. I have accounts with JPMChase so called them and asked them to verify my accounts. XXXX gave me the correct information for the two accounts I have. I asked them about the account that was flagged by XXXX  and they said they don't recognize the number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Chase Visa card with JPMorgan Chase Bank, N.A. I generally pay my card balance completely on the Statement Payment Due date on-line, using the Chase website. Relying on the Chase website, I clicked on " pay card in full '' option on XX/XX/XXXX ( my statement due date ). The website informed me that my statement balance was paid in full. 

On XX/XX/XXXX, I received my paper statement that showed {$120.00} in interest charge. I called Chase customer service and asked for an explanation. I was told that if there is a purchase pending, even if it DOES NOT SHOW UP ON THE CHASE WEBSITE, it attracts interest, and interest is charged for that purchase and any new purchases between XX/XX/XXXX ( my Payment Due date ) and XX/XX/XXXX ( my Statement Close Date ), as well as other purchases during the Statement period. 

The total amount of purchases on my card from XX/XX/XXXX to XX/XX/XXXX was {$410.00}, but interest was charged on {$11000.00}, amounting to {$120.00} When I asked Chase customer service how I could avoid this problem in the future, she told me I could select " automatic statement balance payment '' from my mobile device. I declined.

I asked why I could not rely on the Chase website to accurately show the amount to be paid on my Payment Due date to avoid such interest charges in the future, she had no answer. I suspect that other credit card companies do the same thing with with on-line payments. In the best light, the Chase website is misleading, in the worst light, it is fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In the middle of XX/XX/2022 while scrolling through my Fifth Third Bank statement I noticed something odd. A check issued by the XXXX XXXX XXXX for the amount of {$7200.00} had been withdrawn from my XXXX  Account. This company is unknown to me. I called the bank and was told to come in and complete a Fraud Packet. I proceeded to do that and with the help of XXXX XXXX i completed the form and had it notarized. On XX/XX/2022 it was submitted and assigned the case # XXXX. On XX/XX/2022 I received a letter denying my claim for the following reason : the time frame for submitting a disputed transaction is 30 days after your related statement and date. Unfortunately, this dispute was submitted outside of that timeframe. I have subsequently learned that checks can be drawn from XXXX Accounts and have informed the bank to cease that practice with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2015-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Here is the situation, Bank of America, my mortgage company, placed forced insurance on my home ( I also had homeowner 's but it expired during this timeframe ). In XXXX in the fall right around the time of Hurricane XXXX, a 200 year old tree fell on and halfed my house, taking out XXXX bedrooms, the roof and more. 
I notified the bank and after a long time an adjuster came out and a determination was made that the damages amounted to over {$80000.00}. Well, since XXXX, Bank of America, despite calls and letters, has not released any of those XXXX repair funds and my home has been broken into, items stolen, rain, mold, further damage has been sustained and I have requested that the full insured value of the home insurance policy be released over {$300000.00} based on new damages due to the fact that the bank was untimely and has withheld ( and still is withholding the XXXX repair assessment PLUS EARNING interest ). Previously they released in XXXX funds they had held onto and earned interest on ( though they did not give me the interest earned XXXX from XXXX and XXXX in XXXX!!!. The home now needs to be DEMOLISHED and completely rebuilt which is why I need the full value of the forced Bank of America forced insurance policy NOW. We have been unable to occupy the home since the damages and the place we were renting is now being sold and we are homeless and living with relatives out of state. My loan was recently modified by the bank but I told them I can not afford to pay the mortgage for a home that is condemned and we ca n't occupy AND pay rent. Please force BOA to release the full value of the policy so the home can be demolished and rebuilt. I am also incurring fines/fees from XXXX XXXX based on the condition of the property. I have written to BOA, contacted XXXX XXXX and XXXX and XXXX, who helped me purchase the home in XXXX. 

Bank of America has placed forced insurance on my home in the past and when claims were filed NEVER paid them out and added insurance onto the property though they had documentation that I had purchased my own homeowner 's policy. Now they have been holding onto the insurance repair funds for OVER three years while the property steadily deteriorates and expects me to pay the mortgage for a place that is uninhabitable and can not me made habitable because they have not released the insurance funds to repair it WHICH are No Longer Enough to repair the home which has toxic black mold, water damage, animals inside ( squirrels, mice, raccoons, etc. squatters, thieves have ransacked it and my personal contents. ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I just switched over to XXXX last month since I was not pleased with Navient. 
I had XXXX and then Navient since 2006. The loan was settled by XXXX Last month. 
I called them a few times about the Income Driven Plan but each time I was guided towards the forbearance. I now believe they were wrong and did not take the time to help me. How would they know my need without even giving me the chance to apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Avant Holding Company, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I received an email stating that I had a statement for my Avant card. Given that I had paid this acct in XXXX of XXXX I was not expecting to have a balance. Upon logging in I see that there is a charge for XXXX XXXX XXXX for the amount of XXXX made on XX/XX/XXXX. I immediately call customer service to report this. I was told that they would forward the information to the frauds department and issue a new card. On Tuesday XX/XX/XXXX I call just to check on the status as I have not seen any type of credit issued to acct to cover charge pending the conclusion of the investigation. I had to call multiple times as the agents would hang up on me. When I finally got ahold of someone they said I would need to make the minimum payment pending the investigation and that my acct would later be credited. But that makes no sense. If my acct would be at XXXX  how would they credit another XXXX dlls to it? I asked to speak to a supervisor. I was hung up again. When I called again I was told that I would need to be added to a wait list as the call waiting times were long. Next day I received an email where I was information that a supervisor tried to contact me. I immediately replied saying that no such thing had happened. Received another email stating I was placed again on the callback list. Today we are on XX/XX/XXXX XXXX central time and I have yet to receive any callback to find a resolution to this issue. This horrible company needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: West Coast Servicing, Inc.
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There was no Good faith efforts to establish live contact with a borrower generally consist of reasonable steps, under the circumstances, to reach a borrower. 
There were numerous Servicers/Debt Collectors, starting with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX West Coast Servicing XXXX and without any written notice, now XXXX XXXX XXXX. 
The truth is the 6-year statue to file a foreclosure in New York State XXXX had legally expired. Only the Judge in this case granted the Plaintiff 3-extensions altogether to file this expired foreclosure. 

The extraordinary financial costs added additional filing fees 3-times, additional lawyer fees, additional interest fees, and additional lates charges, which all of these additional foreclosure costs, were unfairly accumulated at the expense of me, the homeowner. 
The Judge without my knowledge, at the request of Servicers, the Judge appointed/installed a Guardian Litam, who accepted Service, and then a foreclosure judgement was entered by default. The Guardian Ad Litam was inappropriate, and unauthorized, and to the complete benefit of the Plaintiff, which tilted everything in the favor of the Debt Collector/Attorney 's. 

The results of the Judge inserting the Law Guardian was epic, inappropriate with negative consequences to the homeowner ( s ) and it was legally improper! I am not impaired, incapacitated, or in the military. This appointment was improper

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I sold a truck on XXXX for {$13000.00} and took a personal check from a family I know well and are large farmers in my area. I have no doubt the funds are available for the check to clear but I also know banking regulations since I have worked in the banking industry for multiple years and know compliance and BSA cause that is my job. I knew the check would have a funds availability hold placed on it due to the amount the check was for. I was told at the Wells Fargo drive up that a hold would be placed on the check and the funds would be available on XXXX because of the holiday. Only {$400.00} was made available up front even though I had about half the amount of the check in my accounts already. Whatever, I didn't need the money right away but for a down payment on a new vehicle. The dealer ship was understanding and said to bring a check in on XXXX, awesome! XXXX my funds are available so I transfer money to checking from my savings to get the total for my down payment. I check my phone the morning of XXXX and have a notice from Wells Fargo that states my funds in the amount of {$13000.00} are not available and on hold till XXXX because the " signature on check was irregular. '' My account is now {$13000.00} less. I call the number supplied by Wells Fargo and am in touch with a banker who just keeps telling me my funds will not be available till the 3rd and it is on a 5 day hold. He can not answer why the money was available one day and then is taken away the next. My complaint gets elevated to another person who is sympathetic but instantly send me to the fraud department and answers none of my questions. Once I get a person on the line from the fraud department I've been on the phone for over an hour. She says she can try to see if the bank the check is from can tell her if the funds are cleared or not. The bank the funds are from, XXXX, does not participate in the program Wells Fargo uses to confirm this, XXXX? I don't know what she is referencing. The customer service rep tells me I need to have the person who wrote the check verify with his bank and get proof the funds are cleared and fax it to Wells Fargo. If that happens they will release the funds before XXXX. None of this seems correct to me and I could be in a world of trouble if I would have been writing checks to people on XXXX when my funds were available. In today 's world it does not take the full 7 days to receive funds and the funds should be released as soon as the bank receives them.

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 2015-12-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Bank of America , N.A . lost 14 years of trust records in which I am a beneficairy and never informed me that it lost the records. Bank of America can not account for large sums of money missing. Bank of America refuses to compensate me for the lost funds. Bank of America has not reported to lost records and funds as it is required to do under the patriot act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-17
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XX/XX/XXXX I received an alert that a recurring charge had posted to my credit card with Discover.  I immediately called them to dispute the transaction and obtain more information about the merchant. I called the merchant, they confirmed my card was set up for an account I do not own nor have any billing responsibility to and the account belonged to my ex boyfriend who clearly was using my card information. Discover provided a credit for the charges and I told them I'd file a police report. I did file a police report with XXXX XXXX Ohio XXXX XXXX. and case was assigned to XXXX XXXX. 
Now, Discover called me today XX/XX/XXXX and stated they are going to reverse the credit they provided to me as they are considering it a civil matter since the account belonged to my Ex Boyfriend. I have TWO authorized users listed on my account, NEITHER are my Ex boyfriend, if I was going to allow him to use my credit card, I would have added him onto my account as a user.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I don't Recognize None Of This Inquiries Please Remove Them From 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 non-monetary relief
Consumer complaint received 2016-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
My loan was listed in the Federal law suit filed by the, Department Of Justice against the banks. The banks agreed to settle the law suit that was initiated. 
As per the XXXX XXXX 2016 settlement {$8.00} to {$16.00} XXXX dollars went to investors and home owners for mortgage fraud. I am filing a claim for payment of {$9.00} XXXX Dollars ( XXXX ) that is rightfully my fairs hare of the {$16.00} XXXX Dollar Settlement awarded on XXXX XXXX, 2016. My loan was included in the Mortgage Bond Settlement with Bank Of America and XXXX for property XXXX, NY XXXX. 
The loan was not a viable loan, the loan violated XXXX, RESPA, REGULATION Z, TILA, FAIR HOUSING based on AGE DISCRIMINATION. I was taken advantage of. The loan was a predatory loan. Also, the bank never provided me with the Good Faith Estimate prior to issuing the loan. Both Title company and the Bank refused to give me copies of any of the documents they presented to me for me to sign. I did not receive any documents prior to closing, during closing or after the closing. 
Please advise and forward all the proper documents needed to file a formal complaint and request for my fair share of the {$1600.00} XXXX Dollar Settlement.

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 2022-06-10
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In the year 2022 so far, I've seen my app and desktop services malfunction at least half the time, well over 15 times when trying to use them. My phone app repeatedly lies and tells me my phone isn't register so I'd have to redo it, the face ID doesn't work. Then the desktop gets essentially unusable and stays stuck in loading phase at the beginning of opening the desktop system. Only once have I called and they said " we're having a current down time maintenance '' as if there may be some explanation. Otherwise the reps seem to chalk it up as something they'll " look in to. '' I haven't seen any resolve and this system sucks horribly. Also I don't have a wave tip option to my atm card so w covid I have to sit there and punch in the codes and get exposed everywhere I go.

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 2021-07-23
Company: Absolute Resolutions Corp.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ABSOLUTE RESOLUTIONS has failed to provide adequate information to validate this debt as mine. I have every right to review how this debt is being verified and connected to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I discovered a Portfolio Recovery account " Placed for Collection '' only after pulling my credit report. Portfolio Recovery did not abide by the rules of the Fair Debt Collections Practices Act as I never received a notification by letter, email, or phone call from Portfolio Recovery, and was denied the right to validate or dispute this account. Furthermore, Portfolio Recovery, without my knowledge, furnished this collection account to the credit reporting agencies.

Company response to consumer: Closed with explanation