BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-16
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Chase closed my business checking account without even notify me. No email, no letter, no phone call, XXXX. Just one day, poof! my account was gone! I discovered that when I wanted to deposit a check to my account, and the account disappeared. I called Chase, they told me because they charged {$15.00} per month when my biz account balance is below {$1500.00} for the past 8 months. The account went to negative and they closed it! 
One would think at least a courtesy email should be sent to customer to inform them the situation. Not just simply close the account silently!!! That 's just WRONG! Not the mention they charge so much, {$15.00} per month, because the account did n't have the minimum balance!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On the morning of XXXX XXXX, I wake up to find that my account is down {$500.00} from a withdraw on the previous night. I check my account to find out that there has been a deposit using a check in the amount of {$520.00} and then a concurrent withdraw of {$500.00}. I file a claim of bank fraud for both transactions. Because the check was bounced back, they closed the deposit claim. Then they just rejected my {$500.00} withdraw claim so now I 'm out {$500.00}. The deposit/withdraw was made at a bank I rarely use so I do n't know what 's going on. I have already requested to see whatever film they have on file. 

I have attached a the phony check ( both front and back ), the resolution letters of both claims, the statement of the transaction on it, and the account notice of the freeze of the phony check. 

Now additionally, there has been XXXX separate instance where Bank of America told me they were sending my debit card ( as a follow up to this instance ) and a credit card ( as a follow up to a previous instance ) via regular mail only to never arrive, and I had to call back to get one expedited to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The response is fraudulent because I XXXX XXXX legally own the property at XXXX XXXX XXXX XXXX XXXX XXXX, MA, XXXX and I do not have any mortgage on this property and neither does my father XXXX XXXX, The only signed mortgage notes are registered at the registry of deeds one from XXXX that has been discharged and the other from XXXX a division of XXXX and no payment has been made on neither of them for over six years which is well passed the statue of limitations for the state of MA, as confirmed with the Federal Trade Commission. US Bank NA and XXXX XXXX XXXX XXXX does not have any signed supporting documents such as notes registered at the registry of deeds, because of this US Bank NA and XXXX XXXX XXXX are breaking the law by denying me my Human and Constitutional Rights and also committing bank fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
On XX/XX/2015, I filed an dispute with Citi cards CBNA, and advised thatTitle 15 U.S.C. 1681s-2, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information, and the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to XXXX XXXX XXXX, XXXX XXXX, XXXX, Pa XXXX. 

As I am sure Citi are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise your company will be in violation of the FCRA. 

Unless the original, signed contract is provided to me within 10 days of your receipt of the letter dated XX/XX/2015, I will be forced to assume that Citi were intent on failing to comply with the law. In this case, the item must be removed from my credit report. If Citi failed to respond in writing, signed by hand, in a timely manner, I would assume that Citi are in error and this matter will be challenged. As Citi further know, the dispute letter has the same effect as a dispute of the accuracy of the alleged debt and their claims. The dispute with Citi was an attempt to collect evidence of their noncompliance in case further action is required. It is was not a statement, election or waiver of status. 

If Citi fail to comply within 15 days, I advised Citi I would file a complaint with the CFPB, as well as the XXXX. I never received any correspondence from Citi as of today XX/XX/2015, and the allotted time for the dispute has expired. I check my XXXX, XXXX and XXXX credit report and Citi tradeline is there.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: STONEGATE MORTGAGE CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a mortgage account with StoneGate Mortgage # XXXX for a rental property at XXXX XXXX XXXX - XXXX, IL XXXX which was set up on auto payment. Our mailing/statement address was our office at XXXX XXXX XXXX XXXX, IL XXXX StoneGate had our correct email address, office and mobile phone numbers. Yesterday I noticed the auto payments stopped in XXXX 2016 for the mortgage payments. When I called StoneGate to find out why I learned my loan was transferred in XXXX to XXXX # XXXX and that as of today XXXX XXXX we owed 4 months worth of payments. I made the payments today, but very concerned my credit will now be negatively affected for this. Neither company informed us of the change by mail, email or phone. Not sure of our rights, but does not seem right. Thanks for your help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-23
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
In XXXX 2014 I attempted to obtain a verification of this debt that was reported on my credit report. They responded that they atempted to send me notice, albeit I never received any such notice. I offered them my current address to further substantiate the debt they say I owe. To date, I never received any further corrospondance and when I called them today to follow up, I was told that the account is in " dispute ''. Well, it has been in dispute since XXXX 2014. They state I owe {$2900.00} which I was informed is inflated due to interest however when I asked what interest they could not verify the charges, just that it has been 5 years worth. Per the FDCPA, i am entitled to know what charges I owe. LVNV has concluded they have complied with the FDCPA 's regulations however just saying that they have is not proof of their due diligence to satisfy my request. I am once again requesting proof of the calculations supporting the debt amount, The original creditors contract with my signature or a certified copy and a letter of assignment of my debt from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I have a Capital One Buy power card, where if you pay on time they still charge you a late fee because they take 3 days to process your payment. So the only way to avoid late fees is to pay a week early or enroll in there autopay option. After escalating this as far as possible I received a call from XXXX from a women named XXXX. Saying " the late fee was removed but it will happen every month and I will have to fight it unless I pay early or use autopay. This is the policy and nothing will change it. '' I do not believe it is far to charge late fees for paying on time. I saw it and fought back how many people do n't see this happening to them and are paying this ree every month. This is a crime and should not be allowed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: LEXISNEXIS
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
LexisNexis XXXX XXXX reported a XXXX score of XXXX out of XXXX for the following three reasons:1. Identity elements not fully verified on all available sources2. Insufficient Age3. Input phone is invalid, non-residential, or disconnectedAccording to their own website an " Applicant [ loses ] points because age was XXXX years. '' How can this be if I am XXXX years old? LexisNexis ' lack of care in reporting accurate information has adversely impacted my ability to obtain utilities through XXXX XXXX without having to pay a substantially high deposit. For the past 8 years I have been able to obtain utilities XXXX without a need to pay a deposit. I have an outstanding credit score, as I just closed on a new home, and I have always made payments to utility companies on-time. I have never once been delinquent or account been closed for negative reasons. 

In fact LexisNexis performed XXXX separate report XXXX. Here are the findings : LexisNexis Reference - XXXX on XXXX/XXXX/2015 - credit-based score XXXXLexisNexis Reference - XXXX on XXXX/XXXX/2015 - credit-based score XXXX XXXX - on XXXX/XXXX/2015 - XXXX score XXXX based on credit

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Credit card capital one has been notified by nmhself that there are incorrect charges and amount on my credit card statement and credit file. They ignored my numerous disputes for the last year and now sent me to collections and attorneys for collections even though these have been disputed. They have made collections calls to family and myself even those items are disputed andchavebceen over a year nowThey continue to add fees and charges all while these have been disputedThey have failed the credit card rules and regusltions to handle this is the allowable time periods and limitsThey will not assist after I have reached out many timesThey ar now denying I received phone calls from the lawyers office but I did as well as my wife on our cell phonesWe reported to the do not call list reporting and they stopped thenCapital one continues to violate many rules and regulations and I 'm very upset at their actions and the denials they continue to make

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have had the most difficult year with Campus Partners. Each year a portion of my student loan is cancelled because I am a XXXX. As part of cancellation, each year I submit deferment and cancelation forms to the company to verify that I am employed XXXX. This past summer, in XXXX of 2015, I faxed both the deferment and cancellation forms as usual. Since then, I have re-faxed the paper work nearly every month and called the agency every month to determine if they had received the documents. This has been going on for an entire year! Despite my sending information, I was reported to numerous credit agencies, which had an adverse impact on my credit score and ability to purchase a home. 

Recently, I filed a complaint through CFPB and was later contacted directly by a representative from Campus Partners. The individual had me fax her the same paper work. The account was FINALLY updated within a couple of days, however, the adjustments were not made to the credit reporting. 

I contacted them, again, and spoke to XXXX ( employee # XXXX ) who for the first time in a year took that time to look through the system and determine that XXXX of their representative made an initial error by not keying in information properly the first time, resulting in my " defaulting '' on the loans. XXXX apologized and stated that she would note in the system their error and have then revert the negative reports to the credit agencieS. Instead of sending the information to the XXXX major agencies -- XXXX -- the information was only sent to XXXX At this time, I am requesting, that, the correct information be sent to ALL XXXX agencies so that the damage done to my credit rating -- due to their negligence -- is repaired.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I just recently open a Chase bank account. Today I checked my balance and their was a withdrawal in the amount of $ XXXX. I called Chase knowing it was a fraudulent activity and I was told by the representatives that it seems like it was a withdrawal from within Chase for collection account. I started asking question that the representative could not answer and stated that she would need to transfer me to the collection department but It was already closed. What I remember was going to Chase and closing my account with a zero balance and I never received any documents from Chase that stated I was in collection. To the point that I just open an account with them with no issues. Chase is robbing me of my hard earned money. Please someone help me understand what is going on and what I can to prevent Chase from taking money that I do not owe them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-27
Company: KEYCORP
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
KeyBank has failed to accurately responded to material false information being provided to a regulatory agency, the cfpb. On several occasion this lender has been been untruthful in facts provided to a federal regulatory agency. These incidents of providing false and misleading information are violations of the federal bank charter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
While away last week, I received a letter from Capital One thanking me for applying for a credit card and saying that the credit freeze prevented action on the application.  I did not apply for a Capital One card at any time.  (This is why I have credit freezes.)  Although there was only a mailing address on the refusal notice, written advertising materials included a number to call (XXXX).   A call to that number was answered with a menu option. There was no option to request an agent, even though I asked repeatedly. When I tried to call back several times, I got only a "number not in service" message. After about XXXX minutes, I called the back, used a different menu option (new card) to get a live agent. When I asked for the fraud department, agent XXXX (sp?) put me on hold, then said XXXX would talk with me.  However, the call then disconnected.    When I call back later, I got only the  a message that the "office is closed until XXXX tomorrow."  I then went to website for reporting Capital One fraud and called that number.  A woman with heavy XXXX accent answered and said they could not investigate without having my SSN.  When I refused to give that, she then consulted with someone else and came back saying I would need to submit copies of my credit reports in order to have an investigation.  This seemed fishy to me since there was no way to verify that it was a legitimate site.  I disconnected, telling her that I would be reporting the incident to the authorities.  On the call to reach a live agent, I did have to give my name and address in order to reach an agent but gave only this public information.
In the same week, I received a similar message from XXXX and this morning had a phone message about the application with instructions to call XXXX.  I did have to give name and address to them; they did not request any other information and said they would send letter confirming the cancellation.  Now I have concern about that one as well, though credit freeze should block any action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I have a Capital One credit card account. As with my bank atm/debit card accounts ( complaint filed separately ), My Capital One credit card account was hacked. Capital One acknowledges that all purchases that I claimed were not done by me and had credited back my account. They also advised me to stop using the card, which I did, and they would send me a new one. Each time, I could use the card for purchases and then again, other purchases would show up that I did not make. The cycle of fraud continued. 
However, there have been numerous cash advances and cash advance fees that started showing up which I explained to Capital One, not only do I not use the credit card for cash advances and I also do n't even have a pin for using. 
They called me and said that since there is a pin on the account and the phone number used to acquire this pin was one that I knew of ( my son and I were in the car and were about to go to dinner. I had gotten my new credit card and it needed to be verified so he used his phone to call and verified the account, but did not get a pin ). Because of this action, they claim that I know the person who has been using the card to make cash advance withdrawals. 
As of XX/XX/2017 my balance is now {$3000.00}. I have attached statements from both XX/XX/XXXX and XX/XX/XXXX, showing where adjustments were made and then debited back to me. 

They said their fraud protection does not apply to this because they claim they were made by someone I know. ( I feel they do n't want to admit that the system was hacked by someone and they have no way to prove who made these cash advances so they put it back to the consumer - same problem as I am having with my former bank ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have XXXX credit cards with Capital One. I had some financial difficulties and got a couple of months behind on all XXXX cards. 
I called Capital One to make arrangements on XXXX of the cards to pay {$60.00} over XXXX months to get caught up and gave them my bank account info to take the money out automatically. 
XXXX the other XXXX cards, I was able to pay them off in full. I called in to Capital One and made the payments over the phone. 
A few days later, I went online to check that the accounts reflected the new balance and found that each XXXX had a note that say the accounts had been suspended. 
I called in to Capital One to ask what this meant and they said that I could no longer use the accounts but they would remain open and I would still get a yearly charge for them but I could not use them again. 
They did not inform me when they took my money, nearly {$1000.00}, that I would not be able to use the cards anymore. 
Also, when I checked my credit, they reported me for being 120 days late which I was not, and never updated my balances to zero. They are still reporting the old balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Transaction issue

Complaint:
During my year long job search I was contacted by what seemed to be a legitimate company to fulfill a Shipping Supervisor role. I was to fulfill purchase and shipments to set up new offices here in the states. I was a bit skeptical but did some research and could n't find anything online that would give me a red flag. They were to pay off my cc so I could begin making purchases on my card for which they would reimburse me. They gave me a XXXX XXXX Account # to use to pay off my card. Decided to call XXXX XXXX to make sure it was a legitimate account. They were no help and guided me to get in touch with the Fraud Dept at Capital One. On XXXX XXXX I had a 20 minute conversation with the Fraud Department at Capital One ( my cc account ) to discuss the venture and make sure I was n't doing anything wrong or fraudulent. They assured me the account was a Corporate Account from XXXX XXXX and that everything appeared legitimate. Ok, I thought, The Fraud Dept gave me the go ahead and I proceeded to pay off my account with the XXXX XXXX Account information. A couple days later it went through and I had a XXXX $ balance. Great, just as expected. I made XXXX purchases over the next couple weeks and paid off my account each time waiting until Capital One showed a XXXX $ balance before I proceeded. Until XXXX day the funds were taken back out of my account. I thought ..How could that be? No one has access to MY account to take money out? I called up the bank again XXXX XXXX XXXX ) and they explained the funds were taken back out from the XXXX XXXX Account. They told me I did not have access to that account. I assured them I did. I have it in writing in an email as I explained the first time I spoke with the Fraud Department. How is that possible? They then told me that they do n't actually have the funds in my account like they show me and let me believe the funds are in my account. In essence, all XXXX purchases I made, in addition to the original paying off of my account from this XXXX XXXX Account were taken back out. On XXXX XXXX I had another 27 minute conversation with the Capital One Fraud Department letting them know that they screwed me over on this after I spoke to them 8 weeks earlier to make sure I would not be defrauded. They never told me that I could not stop money coming back out of the account if my NAME was n't on the account. They never told me that just because they showed money in my account and it has cleared that they do n't actually have the money. XXXX very deceptive ). I did my due dilligence in calling the Fraud Department in the first place. They are the professionals. They should 've alerted me to watch out for X because your name is not on the account and money can be taken back or let me know that just because they show that the account has cleared, it actually has not.

Company response to consumer: Closed with explanation