BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have complained about CHASE bank many times, with no avail. My realtor and I have submitted XXXX all cash others, and they have declined all of them. Even the most recent one. 
I have had it, my doctor wants to put me on XXXX, and other XXXX, I do n't want to take these drugs as I here that they make people XXXX.. Please call CHASE bank for me and tell them, that they can have the house. All that I request is a {$25000.00}. relocation allowance, and I 'll leave, it has been over 3 years, I ca n't take this anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Chase Bank reported late payment on my credit report even though the entire loan was fully satisfied with 9 days as I was in escrow to sell the house. I had the mortgage loans for 10 years and have never been late. Now I am getting penalized, my credit is damaged as I am unable to get a loan for the next 2 years with a reasonably affordable rate. Chase is unwilling to provide me with a letter of explanation of any sort. I do n't think Chase should have the right to provide this type of punishment to borrowers. As a single mom, it is getting tougher and tougher to survive. At the time ex husband refused to pay any child support or provide any assistance to pay the mortgage. I was only late because the house was already in escrow to sell. Banks should not have the power to ruin a consumer 's credit. Especially when I was current 99 % of the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I went to a Chase ATM to deposit my money. I made 5 separate deposits but during my second deposit of {$1000.00}, the machine took the money but printed out a receipt that said it experienced a technical difficulty. The money was never credited to my account. 

I called up the claims department and they said they will check up on it. They gave me temporary credit but after a month they reversed it, saying they could not locate the funds. I am certain the machine took the money. I asked to see security footage of the ATM but they have refused. It is a similar situation to this article which recommended this service : XXXX I went to the branch where the ATM is located and the employee there told me multiple people have been having problems with the same machine. They reopened the claim for me but I have yet to hear back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-03
Company: Westlake Services, LLC
State: CA
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
I signed a car title loan with Wilshire Consumer Credit for XXXX. I thought I 'd be able to manage the loan if the payments were satisfactory and the interest was fair. Every month since signing the title loan, I have seen NO change in my loan amount. Factually, I owe more now XXXX after making months of payments XXXX than I 've ever owed. My loan now is in excess of XXXX. When I called the company to complain about the interest rate, amount of the monthly payment and terms, the company said there is nothing they can do. Moreover, they called me back and said they 'll settle on XXXX to close out my account. I angrily declined the request and suggested they accept XXXX based on the payments I 've made thus far. They refused my offer. As such, I am looking to have an attorney take the matter to court, as this is predatory lending practices at its worst. People whom use the service and hope to quickly pay-off the debt unfortunately find themselves in a horrific situation once they learn the terms of the interest being charged each month. We have to put a STOP to companies that prey on those in need. It is time to fight the predatory lenders!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Issue: Transaction issue

Complaint:
My bank, XXXX, is having bill pay issues with Chase. Each company blames the other, with no apparent research into the issues. 

Due to these issues XXXX made identical electronic payments to my XXXX Chase accounts on XXXX/XXXX/16 & XXXX/XXXX/16. Despite these being electronic payments, wherein Chase has complete details of the transactions, XXXX XXXX at Chase has refused to refund the duplicate transactions without documentation that does not exist. XXXX has required me to provide check copies for the electronic transactions, and a statement from my bank showing the transactions, which wo n't be created until about a month from now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I just received a notice from Chase advising that my property is in risk of foreclosure and that my debt owed is {$9400.00}. They also claim my loan is 63 days late. I have made payments every month

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: Genesis Lending
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I am seeking information about my Genesis loans through XXXX in XXXX, PA. I have heard about all of the loan forgiveness because of the XXXX XXXX settlement. I was one of the many students who were talked into the lending scheme brought on by these schools and Genesis lending company. I was charged horrible interest payments that I could n't afford, while still in school. As well as, pulled out of class because I could not afford payments. Horrible interest rates still haunt me, along with unreasonable monthly payments. I am already on deferment, on which they still require me to make minimum payments. I have a loan balance of {$21000.00} and have no idea how I will be able to keep up with this. I feel as though I was a victim as well as other students who have already had their loans forgiven. The way the company went about handing these loans out to young students who know nothing about them, was wrong. My loan servicer XXXX told me that Genesis has already handled the persons eligible for forgiveness and passed me along to their company. So my question is, why was I considered not eligible? I attended school in XX/XX/XXXX-XX/XX/XXXX and suffered just like everyone else who attended these scheming schools. Please help!

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 2016-03-16
Company: Receivables Performance Management, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I dont know them. They keep calling non stop.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: Genesis Lending
State: TX
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 attended XXXX XXXX, Pennsylvania for diesel and fabrication in XX/XX/XXXX-XX/XX/XXXX and they told me that they could get me a job after i got out the school but here it is XX/XX/XXXX almost three years later and still no job of any kind and it was n't from the lack of trying on my own, and recently the campus i had attended was sold off and closed similarly to the XXXX, Florida campus, and with this being how is it that you expect me to pay back my loans when the school could not follow through on thier promise, and further more earlier this year XXXX ( XXXX collages ) was sued and forced to pay back the loans for the students who still had loans out but it dont cover private loans so now again you me expect to pay you back the money i borrowed under the schools advice which they adivse all their students to get XXXX and perkins so they are your biggest asset and now you have lost that asset due to thier own negligence to the students the people who are the reason you get a paycheck and if you dont take of this matter ill personally make sure no student in the future will ever use XXXX again so as to put you out of business but use of the internet and put you of work cause you are too GREEDY to help those who have wronged and lied to by their respective schools. 
hope to hear back soon

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 2015-04-07
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
TD Bank - I made a deposit in the amount of XXXX on XXXX/XXXX/15 - my account balance, prior to the deposit was {$1300.00}. According to my previous conversations with customer service reps, deposits are credited to the account before debits are made. On XXXX/XXXX/15, XXXX checks were debited from the account in the amount of {$1800.00} and {$500.00}, I had a bill payment in the amount of {$360.00}, and various debit charges totaling {$180.00}. According to my account view, at the time of the withdrawals from my account, the account balance was {$3100.00}. However, I was still charged {$170.00} in overdraft fees. Upon calling to complain, I was told that only {$100.00} from my deposit was actually made available on XXXX/XXXX/15, therefore the funds were not actually available in the account to cover the amounts in the checks posted on XXXX/XXXX/15 thus overdrawing my account for the {$57.00} I spent over the weekend on my debit card. {$170.00}, for {$57.00} spent, when the deposit for {$1800.00} was made into the account. If you look at my bank account, there is no negative balance - because the full deposit shows despite the claim that the full amount was not actually credited to my account. I am sick of the criminal nature of the reordering of funds and the blatant disregard of the customers of TD Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-11
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Balance transfer

Complaint:
On XX/XX/XXXX I notified Citibank by phone of fraudulent activity resulting from a balance transfer check that posted on XX/XX/XXXX. At that time I was informed there was nothing further I need to do. Citibank representative said I would receive notification of dispute within a short time period, and they would issue a new credit card. On XX/XX/XXXX I called Citibank again to confirm dispute was in process, and tried to obtain an address to send written notification and I requested a copy of my credit card agreement. After insisting on speaking to a manger so I could be provided the exact address of where to write in order to file a formal dispute, XXXX ( a supervisor ) came on the line and gave me a PO Box tht was not the same as what I found out later should be used. As of the writing of this complaint, I have only been provided a copy of a somewhat illegible credit card agreement, and have not been provided with any written confirmation of my dispute, and they have not sent me a new credit card " in order protect the integrity of the account ''. I sent registered return receipt letters to XXXX different Postal Boxes that I was given from various personnel and correspondence with Citi, and I have acknowledgment of receipt dated XX/XX/XXXX. As of this evening, there is nothing on the website for my account that shows the account is in dispute, and I have not received any sort of acknowledgement of it either, and I have a payment due on XX/XX/XXXX. The company stated that they could not provide me with the name of the company or person that the fraudulent check was paid to.

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 2016-05-29
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
Used Macy 's card only once XX/XX/XXXX. Received statement and paid full balance on XXXX/XXXX/XXXX. Card was not used again. No statements or correspondence received since XXXX. XX/XX/XXXX, began receiving multiple calls per day from a caller who would provide no specific information, but wanted the number of our Macy 's card. Decided that it might be a good idea to contact Macy 's. ( XX/XX/XXXX ). Was connected to XXXX individuals, the XXXX being a " specialist, '' who informed me that our " account '' was PAST DUE and the balance was over {$100.00} with late fees and interest. After close to an hour of mostly futile conversation, she noted that the ACCOUNT APPEARED TO HAVE BEEN PAID IN FULL IN XX/XX/XXXX, and she would be " happy '' to correct the record. We directed her to close the account IMMEDIATELY, and it appears that she has done that, although our credit report shows a {$4.00} balance remaining. Checked credit reports today and found that they have been virtually destroyed - a drop of over XXXX points - by " overdue '' payments to this account. Needless to say, we will undertake all avenues possible to correct the record, but to characterize this experience as a atrocity would not be an overstatement.

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 2015-10-23
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: APR or interest rate

Complaint:
I have a citibank credit card. On my XX/XX/XXXX billing statement, I made a payment of {$1600.00} on XX/XX/XXXX for a balance of {$2600.00}. The remaining balance was {$1000.00}. The payment due date for this statement was XX/XX/XXXX. I realized that the remaining balance was still not paid and paid the remaining balance on XX/XX/XXXX. My billing statement for the next month reflected both payments and an interest charge of {$20.00}, and no carried balance. The balance was paid in full by the time the billing statement arrived. I paid the full balance of new purchases this billing statement, and the {$20.00} interest fee and carried no balance. On the next month 's billing statement, I received an additional {$14.00}. The bank claims this was residual interest, but I did not carry a balance, and the only balance I did carry was {$1000.00} from XX/XX/XXXX and the date I made a payment on XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-26
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: Billing disputes

Complaint:
I refinanced my house and the title company gave me a check made out to Citi card. I wrote my account number on the paper attached to the check. It was cashed on XXXX XXXX, the title company confirmed it. Citi card is saying that they did n't get it. Well they did get it, and cash it. It was for {$2900.00}!! I have called numerous times and been on hold for over 30 minutes. I have gotten no answers, no communication what-so-ever. I have faxed them a copy of the cashed check, and not heard back. The title company faxed them a copy of the check. This is not just a {$50.00} payment. I am so frustrated. I ca n't even get a direct number to call them at. They are horrible and their customer service is horrible. You ca n't even email them without them getting back. No reply. Can you please help 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 monetary relief
Consumer complaint received 2016-07-05
Company: Aldridge Pite, LLP
State: GA
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
1 This COMPLAINT is a demand for a cease and desist of continuous attempts and efforts to exercise a sale under power of our property where there is no present legal right to do so. Alridge Pite LLP aka XXXX XXXX XXXX, are violating the state of Georgia statute and the Fair Debt Collection Practice Act and The Fair Credit Reporting Act. This cease and desist demand is based upon the following Violations : Pursuant to FDCPA 15 U.S. Code XX/XX/XXXXe - False or misleading representations and Pursuant to The Fair Credit Reporting Act. 

2. Whereas, You have personal knowledge that, Alridge Pite LLP aka XXXX XXXX XXXX, has committed XXXX civil and criminal offences. 

3. Whereas, an attorney with your firm created and caused to be recorded in the borrowers property records of XXXX XXXX Georgia XXXX separate sworn affidavit testifying under oath to a set of facts to which the affiant did not, and could not have personal knowledge of because the affiant/attorney was not present at the purported loan closing on XX/XX/XXXX. It is an unlawful act for the foreclosing law firm, who happens to be a debt collector for the alleged servicer XXXX XXXX XXXX XXXX XXXX XXXX, to fabricate fact and thereafter record the fabricated facts/documents in XXXX XXXX records for the sole purpose of facilitate a non-judicial foreclosure, ( that is extortion and is a felony ). the language on the face of the affidavit is clearly unlawful. 

WHEREFORE, we demand Alridge Pite LLP aka XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX cease and desist any further collection immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: Lustig, Glaser & Wilson, P.C.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Calls from a # that does n't state who they are. Sent cease and desist email and they still call. Never received any written notification of what the debt is.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: TRANSWORLD SYSTEMS INC
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:
I had a rented instrument from XXXX XXXX XXXX and returned it. Upon checking my credit report I noticed an item in collections for {$2700.00} and it was from XXXX XXXX XXXX. I called them and they sent me a copy of the receipt showing my returning the instrument, I them filed a dispute with XXXX XXXX toTranswrld ( the debt collector ) and when the decision came back it was unchanged although I attached a copy of the receipt to the dispute. I am trying to repair my credit and definitely do not need derogatory items that do n't belong there. Any help you can give me would be greatly appreciated. 
Kind Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am a XXXX parent and there was a person disguising himself as a parent looking for housing for his daughter while attending school in California. I have worked with XXXX within the past three months, so I did not think this person would send me a fake check, I deposited it the bank, so it did not clear with my bank HSBC. The manager of the branch with HSBC closed my checking account and reported me to a XXXX agency, which will destroy my chances of getting another checking account. Also, I had been trying to get an overdraft account with HSBC, but they would not allow me XXXX, even though I had direct deposits of over {$5000.00} put into my account every month. They just continued to charge me overdraft fees which totaled over {$790.00} so far this year in 2016. The bank manager is practicing discrimination and is ruining my credit. At this point, I only wish to have my name removed from XXXX because this situation with a criminal embezzling money from my checking account was at no fault of my own. Also, the {$790.00} that HSBC would cover some of the loss, and they would not even investigate this fraud - the manager just reported me to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: ENCORE CAPITAL GROUP INC.
State: KS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In 2014 I pulled my first annual credit report and noticed Midland Funding listed on my report. I did n't recognize where the charges came from so I contacted XXXX by letter and asked for verification of the debt. Midland responded XXXX a bill from XXXX with an address listed in XXXX that I have never lived at - I have lived in XXXX for 12 years.The debt is inaccurate and non-collectible as the debt is a result from illegal cramming charges which XXXX lost a lawsuit for in XXXX of 2014. XXXX has verified that I was indeed a victim of false charges and I have attached proof ( XXXX attached ) of cramming from XXXX 's verification site.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-18
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
Called me at work -Womans tone on the phone was extremely loud. Everytime I asked for proof of the validity of the debt she kept on saying I owe the debt and we sent you stuff, I never got it told her that and then asked me where I worked. Rude ladyCalled me from a cell number - XXXX Kept on asking why ca n't I pay today. Said I was n't til I see copy of bill she refused to send me a copy. 

They call me XXXX sometimes XXXX times a day and never leave messages

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Credit card
Issue: Other

Complaint:
Midland Funding LLC purchased a debt from XXXX and brought legal actions to recover the alleged debt. The case was dismissed on XXXX XXXX, 2012. However, Midland Funding LLC continues to report this on my credit report as if this matter is in collection alluding there is still a debt of {$7200.00}.

Company response to consumer: Closed with explanation