BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-28
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Periodically TD bank does not email me nor do they send me a paper statement when my credit card account is due. It happens every three to four months. I call immediately and pay over the phone. I requested both forms of notification from them so this does not happen. I also have my checking account with this bank for many years. They tell me that they will waive the late fee and adjust my account well this month it did not happen so again I have to call them and complain. They give me idiotic excuses. I am tired of this and I seem to think it 's a scam to produce more revenue. If they are doing this to other people that can add to XXXX of dollars. I have other credit cards and I am at 100 % of paying my debt on time. Please .... I am so tired of this and I do n't want to switch banks because they are convenient and I have been with them for years. I am a XXXX year old women who works hard for her money and I will be XXXX if I let them get away with this over and over again. absolutely no problems with any of my other creditors and it 's a card with only {$1000.00} on it. I also have direct deposit with this bank. 
Thank You, XXXX XXXX XXXX Home XXXX Work

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-02
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Fed up with XXXX XXXX charging excess overdraft fees I open up a checking account at tdbank. In one month tdbank charged me {$250.00} in overdraft fees and XXXX of them occurred when I was transferring money from XXXX account to another account over the XXXX XXXX weekend. TD Bank twice charged me overdraft fees on the same day I got a direct deposit I spoke to the bank about it and while they promised to refund XXXX of the overdraft fees they still have n't done it. I am really fed up by being ripped off by Bank XXXX XXXX XXXX XXXX and now TD Bank. I am guessing I 'm not the only person who 's really angry about the exceessive fees being charged. I did not receive a bail out for extravagant behavior. I understand about the practice of reordering withdrawals so that banks can charge excessive overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-13
Company: Cascade Capital, 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:
received collection notice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX i dont owe the debet they claim as well looked them up online and noticed many consumer complaints regarding this company in which they were eith phishing for data, collecting old debet, and debet not reconised by the consumers as well pulling up credit reports without concent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: Receivables Performance Management, LLC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX continues to attempt to collect on a debt in the amount of {$1000.00} that I do not owe. I have written XXXX debt verification request letters and instead of receiving requested information, my account was transferred to a collection agency, RPM, who is requesting payment for an amount I do not owe.

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 2015-10-01
Company: Financial Credit Service, Inc.
State: OK
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 received a caller-ID blocked call. The voice message stated that I needed to call XXXX regarding notice XXXX and to contact XXXX XXXX. I called the number back and was told their company was ARA and Associates, XXXX XXXX XXXX, XXXX, VA, and that their only phone number was the one listed above. She was very rude and stated that I would be charged with " issuance of a bad check '' and " theft by deception ''. I asked for verification of the debt and was told it was mailed in XXXX 2015 and they would not send it again. 

They also contacted my ex-wife of 20 years with the same notification number and threat. 

I have no idea what this is regarding and have found other, similar complaints regarding this phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: Home Point Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The mortgage company is not paying the taxes from escrow on time. 
1 ) They did not process the payments to tax authorities on time or they sent wrong amounts. 
2 ) Even after multiple phone calls and escalations the problem persists. 
3 ) They deducted the penalties from my escrow account although it is there mistake. 
4 ) Now one of the taxes have gone into Lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: Genesis Lending
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I went to XXXX in XXXX, VA. I was a XXXX student. I feel that the loan should be wiped away because the school did not give me what was paid for. For the first 2 months we did not have a teacher. When we got her she was great. The software that was supposed to go with our classes never did work not even XXXX day. The transcription class was not taught. Did n't even open the book we paid for.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24
Company: Nelnet, Inc.
State: TX
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
On XXXX XXXX, 2016, my attorney-counsel representing me, wrote a letter to Firstmark Services in response to the debt collection letter I received. The letter was a cease and desist and debt verification notice. Firstmark responded to my attorney 's request as invalid because the request was not signed by me directly. Firstmark completely disregarded my cease and desist letter my attorney had written on my behalf. Firstmark continued to send collection notices for 2 months and called my husband 's cell number. They also made 2 derogatory marks on my XXXX credit report for the same account for being 60 days late ( according to XXXX by XXXX XXXX ) on XXXX XXXX, XXXX Under my rights as a consumer, I have a right for this debt to be verified by Firstmark. They completely made excuses stating that my attorney 's letter is invalid. They continued to pursue the debt and report this debt negatively on my account, despite not having verified the debt initially with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: JPMORGAN CHASE & CO.
State: CO
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
In 2013 we finally, after almost 5 years, got a modification from Chase Bank. During that period we were regularly sent letters basically threatening us with foreclosure and put us through several trials. After receiving the modification, we were told by our representative that we would have a 2 %, {$230000.00}, 40 year modified mortgage. I ask several times if that was without any charges and XXXX XXXX said absolutely. I asked for a copy to be sent email, or fax, but he said he could n't do that and we would have to wait for the final papers. 
Upon receiving those papers we were shocked to XXXX an added on charge upon the sale of our home, or at the end of the mortgage, of {$89000.00}! They never explained the charge and we had a choice of sending the papers back within 10 days, or losing the loan. After all the stress and fear of the preceding years of not getting a loan, we signed the papers. Chase scammed us, knowing we would be afraid not to sign. 
Our desired resolution is to have the {$89000.00} waived. XXXX XXXX was the representative involved in our modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Issue: Credit determination

Complaint:
XX/XX/2015, Amazon applied for a Chase Credit card without my permission, including all of my personal details including my social security number. Amazon had no business with my SSN, and I never gave them my SSN, much less gave them permission to divulge my personal information to ANY third party. 
By turning down this credit application both Chase and Amazon have negatively affected my credit, and both point at each other.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Upgrade, Inc.
State: CA
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:
On or about XX/XX/2022 I had Fraud occur on two accounts : XXXX  checking account and Upgrade card I received refund from XXXX immediately. The money was withdrawn from my XXXX  account via a cash tranfser from upgrade. The money transferred to Upgrade was then transferred to an unknown account. 
XXXX determined to take funds back. They said that I would stand to benefit financially. I then went upgrade and asked for the defrauded finds back. They have yet to comply or answer or reply to my email and phone inquiries. XXXX is getting inpatient Please help me get my funds back. 
The Upgrade account is in question if I set it up ( enrolled ) or was fraudulently set up. Either way It was my money from XXXX. The upgrade account was in good standing with upgrade until incident. 

These are the data points I have for upgrade ; Case No : XXXX Account No : XXXX Account No : XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: Empowerment Ventures, LLC
State: CT
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I have a prepaid debit card with rush card on XXXX XXXX there was supposed to be doing some kind of update to their system and it was only supposed to last a couple of hours here it is 13 days later I 've had XXXX pay checks deposited into this account and I can not access any of my money you call rush card to try to find out what 's going on your on hold for XXXX to XXXX hours once you finally get someone they tell you they ca n't help you because their system is down but most of the time you 're put on hold for XXXX to XXXX hours to pick up and then hang up on you I have changed my direct deposit so no more of my checks will be going into this account but I would like to have access to the money that is on the card now but I called on XXXX XXXX and that was my last straw the customer service rep told me that I should change my direct deposit which I kindly inform her that I already did that I just wanted to know when will I have access to the money that 's on the card right now she told me that it could be weeks before I will have access to that money this situation has caused me and my family unneeded stress in my life my landlord is threatening to evict me before the situation happened I was a little behind with my rent I made an agreement with my landlord I would pay him {$300.00} a week until I was caught up and he would n't evict me and I was doing that until this situation happened now I have missed XXXX payments and my landlord is threatening to evict me I 'm scared that by the time this whole situation is fixed me and my family will be in the streets every customer service rep for Rush card that I have spoken to I have explained the situation to them and they do n't care why they keep saying is they sorry they sorry me sorry I do n't want to hear sorry anymore I want my money how could this be legal that they can hold your money like this and a Rush Card representatives are telling people that the cards are working and that 's a lie my card has n't worked for over 13 days and counting at this point I feel no one at Rush Card cares about me and my family I have XXXX kids that depend on me where we supposed to go if my landlord evict us I hope you can help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-03
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I would like Scottrade to fully and responsively address my other complaints instead of providing generic responses that allegedly relate to the XXXX XXXX, 2013, letter. Indeed, a number of the concerns I raised are wholly new issues and not addressed in the XXXX XXXX, 2013 letter, thus Scottrade 's boilerplate use of previous correspondence for materially new disputes is inappropriate.

Company response to consumer: Closed
Consumer complaint received 2017-02-17
Company: CITIBANK, N.A.
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Citibank 's Distressed Loan Department advised me to hold off seeking a loan modification for my second mortgage until my first mortgage holder ( XXXX XXXX ) had granted my modification request. Despite regular communications with Citi personnel, my loan was recently " written off '' with no warning, and turned over for collection to XXXX XXXX, which I am now being told prevents me from seeking a loan modification. I seek the reinstatement of my Citi loan so that I can file and complete the modification process.

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 2015-03-27
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Late fee

Complaint:
I have a citibank credit card which has a balance with no interest. Due to XXXX I was late with XXXX payment, so to avoid this happening again I set up the amount of {$60.00} to come out of my bank account I used the amount {$60.00} as directed by a staff member as the amount should not go up due to no interest. 
I then this month noted I was being charged a late fee of {$35.00} Turns out the minimum balance that month was {$67.00} I called the bank to explain the situation and was told there was nothing they could do to take the {$35.00} off. So i was charged {$35.00} for a missing {$7.00} this is robbery.. How can they be allowed to do this for a missing $ XXXX explained XXXX times to the representative but he would not adjust the statementA late fee should be if you missed the payment not if you made most of the payment and contacted the company. I was made to feel like a terrible person. 
I tried to keep calm but did become angryAll i am asking is for the late fee to be adjusted, I have been a good customer. 
I will be cancelling the accountThank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-20
Company: CITIBANK, N.A.
State: HI
Product: Credit card
Issue: Billing disputes

Complaint:
I am a XXXX required to use my Government XXXX Card for travel. I was erroneously charged {$130.00} on XX/XX/XXXX by XXXX XXXX XXXX which provides hotel services on XXXX XXXX. I have stayed at their facility in the past, but I was in XXXX on orders on XX/XX/XXXX and had no plans or travel to XXXX XXXX. In XX/XX/XXXX, I went on official travel and paid my bill including the erroneous {$130.00}. When I noticed the erroneous charge I called Citibank to have it reversed. I saw a credit on bill and waited for a check. When I followed up I was told that my credit was reversed because I did not submit a form. They said they sent me a letter telling me about the form. I never received the letter. While I was on the phone they said they would email me the form, the form never arrived. Then the representative directed me to a website where I was able to download the form. I submitted it and my claim was denied because too much time had passed. I called customer service who referred me to the appeals department where I explained that my claim had been opened for months. Eventually she credited me the {$130.00} and that money was direct deposited to my bank. On XX/XX/XXXX I received a bill from Citibank saying I now owed them {$130.00}!!! They said they reversed my credit because they have been able to get a hold of XXXX XXXX XXXX. They said it was my responsibility to get the erroneous charge reversed! I did not make the charge. I am being scammed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-12
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Late with payments, made payment plan arrangement with company. Still calling me XXXX times a day even on Sundays. Have explained several times DO NO CALL ME I am on a payment plan with your company to no avail. They seem to be of XXXX descent as if they do n't understand I 'm paying your company quit calling me. Calls start at XXXX every morning Monday-Sunday very annoying at least XXXX calls per day. I do not understand why they are calling when I have made and am keeping arrangements I put in writing with the company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-19
Company: CITIBANK, N.A.
State: LA
Product: Credit card
Issue: Advertising and marketing

Complaint:
Applied and was approved on XXXX XXXX for a Citi Simplicity Credit Card with 0 % interest for 21 months. This is what they advertised. Today is XXXX XXXX and still have not received the card. I have called 3 times the first time on XXXX XXXX to report I still did not have the card even though I received numerous emails welcoming me and stating that I needed to activate my card. I was told it was mailed on XX/XX/XXXX (? -Holiday? do n't think so-1 hour on hold ) and I would need to wait another week. So I called back on Friday the XX/XX/XXXX but hung up after XXXX minutes on hold. So I called back again on XX/XX/XXXX ( approx 45 min on hold ) to advise I still did not have the card and he told me he could block it but there would be a {$6.00} charge to reissue it. I told him I was n't paying the charge because I never received the first card and not even sure they mailed it. He told me he would waive the fee since I am a valued customer and would transfer me to the reissue department ( another 20 minutes on hold ). The girl told me that she would overnight me a card via XXXX and I should have it no later than Tuesday, XXXX XXXX. That is today and it is XXXX and I still have nothing. I got a welcome letter in the mail today ( it was mailed to the same address that I verified with them each time I have called ) for the card they supposedly blocked. It is amazing how that arrived but still no card. I am calling once again to get a tracking number ( if they even sent another card ). So far I have been on hold for 30 minutes. They just answered he asked me my first name and I provided it told him that I need to get a tracking number and he stated one moment m'am and now I am back on hold ... ... I said H-E-L-L-O and he said yes m'am I am checking on it. But I do n't see how since he only has my first name. Put me back on hold .... now it has been 35 minutes and someone is dialing on the phone. I have a feeling they are going to disconnect me. Still no answer, great I am back on the hold music! Meanwhile my 21 months @ 0 % interest is clicking away. This starts on the date you are approved. I think they need to honestly advertise that they have no plans on mailing the card immediately so really it is more like 18-19 months not 21 months no interest.

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 2015-10-01
Company: M&T BANK CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Due to the financial crisis of XXXX my income declined to one fifth of previous years and finally in XXXX I was forced into a chapter XXXX bankruptcy. I got back on my feet and started paying back my creditors 100 % of what I owed. My mortgage was the only thing I was allowed to keep through M & T Bank. In the spring of XXXX I was sent a package from M & T Bank via XXXX XXXX that I had to sign for. It was a pile of documents saying that the Federal Government had told M & T that I needed to refinance my mortgage to a lower rate. I called the number and asked if this would this apply to me because I was in a chapter XXXX bankruptcy. They said yes let 's proceed. They then called and said I needed to get permission from the Trustee and the Judge so I contacted my attorney who did what I asked. About 2 weeks later they called and said they could not refinance me. 2 weeks after that I received a notice that they were charging me attorney fees for asking the court to refinance my mortgage. I called my attorney and she said that it might just go away since they asked me to refinance and they were my current mortgage holder. I went on with my Chapter XXXX and paid it off. 2 weeks after paying off my chapter XXXX I received notification on my mortgage statement asking for payment of a recoverable corporate advance. When I called and inquired about this they told me it was for the attorney fees that they incurred when my attorney asked the Judge about my refinance. I do not feel that I did anything wrong here since they made the original offer. And I do not feel these charges of over {$840.00} are justified.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My Credit Card number was stolen. Someone charged multiple charges on XXXX of my credit cards. XXXX credit card company credited it back immediately and that was it. The other Chase Bank has refused to remove it and insists the purchase was made by me when it was n't. I do n't know what else to do. Please help.

Company response to consumer: Closed with explanation