BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-14
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was ripped off by Chase. Over the past weekend I sold some tickets to a musical event and was asked by the buyer if I accepted Chase XXXX Pay. I said yes and then called the Chase customer service line to inquire if there was any way that the buyer could cancel the transaction or if I would not receive the funds because of fraudulent activity. I was told that the only way this would happen is if I were to decline the funds. Once I received the quick pay email I then accepted the funds and handed over the tickets to the individual who had just paid me, in my mind, via Chase Quick Pay. I was also informed that the quick pay service could not be used if the person buying the tickets did n't have enough funds or credit to purchase them. Chase 's policy states exactly that sufficient funds or credit is required to initiate the purchase. Wednesday I saw the funds posted into my account and felt a sense of relief. About an hour later I received an alert stating that the transaction was cancelled due to insufficient funds. I said how could this transaction even been initiated if there were insufficient funds? They told me that I needed to wait until funds posted to the account and that it was not their responsibility to insure these transactions. I again asked how the transaction could even be initiated if there were insufficient funds? After 4 hours on the phone they said the executive branch would look into it. Three days later they left a voicemail stating I was out of luck. Should n't Chase be responsible. Their policy states that the funds must be there to initiate the transaction similar to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Something in the last 30 days has been changed regarding receiving XXXX through Chase Bank. They implemented a new automated procedure that disallows the recipient to 1. not receive a payment and 2. to choose what bank account will receive the payment. I would like the option to accept XXXX at my leisure AND at the same time have the option to choose which account the payment will be accepted ( as was prior to the last 30 days ). I have multiple accounts of which receive payments each month. In the past, I had the option to change the " default account '' to accept the payment into the chosen account. With the Chase Bank new set up in the past 30 days, this is NOT possible. The solution would be to have an onLine option to CANCEL the NEW automated feature so that those who need to cancel automated receipt of XXXX, that option would be available. I also can not believe that it is LEGAL to mandate that a recipient MUST receive electronically any payment. Makes no sense to mandate any recipient to receive funds. Please advise and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Paypal Holdings, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a majority shareholder in two companies after my Husband died on XX/XX/2017. An individual named XXXX XXXX XXXX was involved along with another group of individuals in diverting revenue and creating a large amount of debt with these companies. XXXX XXXX XXXX was a tax preparer under XXXX XXXX a company that my Late Husband and my father XXXX XXXX XXXX owned. In fact my father became was given the POA after my Husband died. There was several years of tax fraud using PayPal account utilizing my social security number as the individual responsible for paying taxes on the income generated. I have reported all this to law enforcement and have even filed a civil criminal court petition on behave of the two companies affected. However, I have been unable to repair my credit and move forward with my life due to the enormous amount of debt that was unlawfully attached to my Social Security and my Company EIN number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Credit Karma, LLC
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I used my Credit Karma XXXX debit card at a XXXX XXXX atm located inside a XXXX convenience store in XXXX, Ga. My credit karma account was charged {$400.00}, but the atm DID NOT dispense the money. When I contacted XXXX XXXX, they frankly told me they were not going to do anything about it. So I called credit karma. After 2 weeks of emailing back and forth, Credit Karma closed my account. My XXXX  account and my credit monitering account that Ive had for years. And didnt refund my {$400.00}. I have no number to contact them. They stopped acknowledging my emails. I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have been charged numerous overdraft fees because, according to Chase Bank, I did not uncheck the overdraft protection box. I now owe {$350.00} in fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have never lived at XXXX XXXX XXXX  XXXX  XXXX, CA XXXX XXXX XXXX XXXX United States. An ex fianc added me to a credit card that I have never used without my consent. I would like this address removed from my history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Portion of my XXXX has been forgiven. But, the loan balance is overstated on my credit 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 2017-01-31
Company: JPMORGAN CHASE & CO.
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Chase Bank closed my account without notification for a mistake that they made and I had to wait almost 30days to get my money back because of their hold policy on an account less than 30days old. They closed the account with XXXX $ still in the account and did n't say why it was closed just when I went to use it I got denied. They wo n't close this account until almost 20 days since the account was in process of closing. They have no reason to hold the money because they will not allow any transactions to go through. This has almost messed up my daughters child income not allowing despisers to be made. They have lied about why and how long they would be holding the money and I can not access my own funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XXXX the XXXX XXXX i received a checkbook with my correct name and address however the phone number on the checks was not correct. The checks came from a bank i have never done business with. I believe that some one has tried to steal my identity. I called TDBank and made them aware that i received checks with all my correct information except my phone number. I did provide the routing # and checking account number on checks and the bank did flag said account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-23
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was contacted by Receivables Performance Management, LLC ( RPM ) located out of XXXX Washington. RPM called my cell phone about XXXX times and continued to call me XXXX times after telling them to stop calling which was about the XXXX phone call made to my cell phone. 

I have never heard from this company and have never had any account with or never given them my private mobile number. They admitted they were attempting to reach another person that I have no knowledge of.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: NRA Group, LLC
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you.

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 2021-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I'm am sending to correct metro 2 compliance form with errors that is reporting

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 2015-08-06
Company: TD BANK US HOLDING COMPANY
State: NH
Product: Credit card
Issue: Late fee

Complaint:
I own a Target Redcard. The payment is due on the XXXX of each month. XXXX times in the past few months, I have logged onto the Target Card website, on the XXXX to make a payment. Each time I log on, I click " make a payment ''. Each time I 've done this, during the day and in the morning, I get an error message indicating that the website is unavailable. This has happened each time I do this. When I log in after I get home from work ( after XXXX ), the website miraculously work. If I try and make a payment, however, the next day is selected and it winds up being a " late payment '' - therefore Target charges a XXXX dollar late fee. Each time I contact them, I ask them to adjust the late fee, citing the confirmation numbers of the payments. XXXX, they 've had to reverse the late charge however this time, they refuse - saying that I could have called or gone to the XXXX XXXX. When I do n't get home from work until at XXXX, It 's impossible to call and go to the store. Their website should work during the day. This is extremely deceptive and completely unfair in business practices and ethics. My payments are always made on the day they are due and because Target 's website chooses not to work, each time I try to make a payment, I should not be charged a late fee, as a repercussion. This is some of the worst business practices I have ever seen, erroneously charging customers fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-25
Company: Fidelity National Information Services, Inc. (FNIS)
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received my chexsystems credit report. In my report I found a checking and savings account being reported as a personal account that were not personal accounts. Both of the accounts being reported were opened as business accounts not personal accounts. The bank reporting the information is XXXX XXXX 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 2017-03-06
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
" Open a TD Premier checking account and receive direct deposits totaling {$2500.00} or more and earn {$300.00} promotion '' XX/XX/XXXX : Opened a TD Premier checking account and funded it. 
XX/XX/XXXX : Direct deposit totaling {$2500.00} requirement was met. 
XX/XX/XXXX : No bonus has been credited to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Avant Holding Company, Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have received calls all year from Avant in an attempt to collect on an alleged debt. XX/XX/XXXX I sent them a validation of debt letter that the company received on XX/XX/2021. I also sent in an Affidavit of Truth letter as well that included an invoice for violations. XX/XX/2021 I called in and spoke to a supervisor and he stated he saw the letters and because the letters were still in review he could not provide any additional information to call back in 2 weeks. On XX/XX/2021 I called in once at XXXX XXXX  central time and was hung up on after being transferred 3 times and being on the call for over 43 minutes. The number that I called was XXXX. I called the XXXX number back at XXXX XXXX  central time and was transferred 2 times and was told to call another number after being on the call for over 22 minutes. I called the number they provided which was XXXX and I spoke to XXXX XXXX and she was the very first representative that actually tried to help resolve the problem. Unfortunately, she could not help but stated that she would escalate the problem to the Resolution Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03
Company: GREAT LAKES
State: WA
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 misdirected a mortgage payment using my banks bill pay. The mortgage payment instead went to GreatLakes Higher Education, with which I had an account five years ago but which I do n't anymore. I called and asked them to return the money after my mortgage company told me about the missed payment. Great Lakes told me they forwarded the money to XXXX, another student loan company. XXXX denies they received anything. The transfer of money happened XXXX XXXX. Great Lakes continues to refuse to return the misdirected funds. My banks bill pay says this is common and Great Lakes makes " XXXX '' on this sort of thing. I am very concerned about paying my mortgage and other expenses given Great Lakes refusal to return my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had tried to open an account online and my initial deposit did not hit the account. I then received a letter saying my account would be closed because my initial deposit was not made, instead of closing the account they left the account open and kept charging me fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-05
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I did not authorize inquiry and I suspect attempted ID theft.

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 2016-11-02
Company: JPMORGAN CHASE & CO.
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
This is at least my third complaint about Chase ( the bank company ). Long story short : as usual, they took an extended time to send my ATM card to me in XXXX, XXXX ( I 'm an American XXXX ). When it arrived, I had forgotten my PIN # & ended up with the card being eaten by a XXXX XXXX ATM at XXXX. I called XXXX & was told that to recover my card, Chase had to " unlock '' it. The Chase rep ( XXXX ) said he could n't unlock a card that was in somebody else 's possession, but could send me a new card. I consented, but then he would n't send it because I could n't recall my last date & amount charged ( a Chase security measure ). I demanded to speak to a supervisor. The second person I spoke to said that he could n't send my card because the mailing address I gave him did n't match what he had on file! BUT : the mailing address I gave him was directly off the piece of mail which Chase had used to send this ATM card to me to begin with! It was the exact same address from another piece of mail from Chase. I could n't get a direct answer to my question as to why, if the original card was sent FROM CHASE ( in XXXX, TX ) in THEIR envelope to THIS ADDRESS, a replacement card could n't be sent there as well. I then demanded to speak to somebody else and was told that " somebody else '' was busy with other customers ( XXXX ATM card mailings, perhaps? ) & was asked for my phone # for a callback. As I type this, it 's the next day -- still no callback! I hope your agency can find a way to sanction Chase for their incompetence and lack of caring for US expat customers. Maybe a great start would be to require them to pay back the XXXX dollars we taxpayers had to fork over to those clowns in bailout money : XXXX I 'm tired of apologies and excuses from Chase -- what I want is a new card and a new PIN #. Nothing else will do. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: Big Picture Loans, LLC
State: OK
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Changing the payment to {$170.00} from {$150.00} and the payoff is & XXXX ( more than the original loan of {$600.00} ) after 4 payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: ASTA FUNDING INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I lost my wallet years ago as a result of that I have had fraud committed in my name several times the 1st was from XXXX the second was XXXX XXXX  the third was my Checking account at XXXX. and now this a XXXX XXXX  credit card that I never heard of for the sum of XXXX Please Help Me Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I applied for a credit card with Chase Credit Card ( J.P. Morgan Chase Bank ). My card was approved and opened XX/XX/XXXX with a {$33000.00} ( XXXX XXXX dollar ) spending limit. My card was closed by them on XX/XX/XXXX. Chase is using criteria which is having a disparate impact on XXXX and possibly other minorities. The reason I say other minorities is I believe it also effects people of non- XXXX XXXX. Several lawsuits and complaints about XXXX accounts being closed. So an XXXX may be demographically listed as XXXX but isn't XXXX. Hence I also believe that a careful look at those that effected from the policy ( s )  they are using to deny me credit ( I have 820+ credit scores ) have a disparate impact on XXXX and possibly non-XXXX. This is the 3rd time they closed an account and have refused me credit. The initial happened after I used my card in XXXX and used my bank account to wire money to the same. I am XXXX hence I travel to XXXX as a XXXX would travel to or send money to XXXX. Please stop these unfair practices. People should be treated equally regardless of origin or visiting countries. My identity was confirmed and I have never not complied with any regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I was turned down for a loan by Honda Finacial Services XX/XX/2016 there number was XXXX. Honda Finacial service number is XXXX. I requested an explanation from them of why I was turned down and a copy of the credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. XXXX. I did this by sending them a copy of the form letter to both companies. This was done in XX/XX/XXXX I mever heard back from either company it has been over 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: AFNI INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt for XXXX XXXX XXXX not owed. Paid in full. company alleged that I had not paid the bill and I did in fact pay them no balance due

Company response to consumer: Closed with explanation