BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-10
Company: JPMORGAN CHASE & CO.
State: NY
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:
I spoke wit h a Chase c ustomer service representative on  XXXX   XXXX ,  2017  or so regardin g my Chase Sapphire Preferred card. I told the representative that I wanted to close my account and asked about a refund of the {$95.00} annual fee. He told me that the {$95.00} annual fee had no t yet been paid and that it would be automatically be withdrawn from my bank account on the due date for my most recent statement which was  XXXX   XXXX ,  2017 . He told me that I had 30 days from  XXXX   XXXX ,  2017  to close the account and obtain a refund of the {$95.00} fee. I said, OK and decided to give myself more time to consider closing the card. On  XXXX   XXXX ,    2017  at approximately  XXXX    XXXX   EDT, I spoke with another Chase representative to report  XXXX  fraudulent charges on the card and decided at that point to close the card rather than have her reissue the card. She closed the card and transferred me to customer service regarding the {$95.00} fee. The representative to whom I was transferred told me that I was eligible to receive a refund of the fee and that I would see the refund on m y account within one to two billing cycles. I asked how, if the account was closed, they could refun d the fee to that account. She said the refund would post to the account even though it was closed and that I could then request a check or have the {$95.00} credit transferred to another Chase card. Today,  XXXX   XXXX ,  2017 ,  Chase sent me a secure message telling me that I will not receive the refund. This is unacceptable. Chase representatives twice told me that I would receive a refund and I expect Chase to honor the statements made by their own reps. Phone calls to Chase representatives are recorded and I expect that what I am saying can easily be confirmed by listening to the recordings. Also, please be informed that I intend also to record all of the calls I make to Chase from now on .

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-01
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I am coming to the conclusion that Check N Go is making it difficult for clients to pay on their loan intentionally, and not making the terms of their loan agreement accessible. I have tried to locate my loan docs online, and am unable to. When I ask a rep, they direct me to the online account website to no avail ... they stated it may be a problem on my side. When I try to pay the loan online or over the phone, it seems my account number can not be found and it is too late to pay over the phone. The loan accumulates interest at {$15.00} per day, making it beneficial for Check N Go to prolong payments. During the XXXX holiday, I tried to pay but was unable to, and accumulated {$30.00} in interest just because there was no way for me to pay. This seems like unfair lending practices to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am writing to complain abou t Citi ca rds dispute process as they do not investigate and just side with the merchant. I have had several issues rejected and, despite offering protection from faulty goods or services, they run you around in a circle to try to get you to forget the claim. If you do n't, they side with merchant without so much as weighing the facts. In  XXXX , I disputed a change from  Home Depot  when they improperly installed a water filter. Sure enough, after months and repeated requests for information they sided with the merchant. In   XXXX  , I reversed a charge from  XXXX  after the window tinting offer I purchased would have ended up costing twice as much as the advertised price. Again, run around and siding with the merchant. They wanted ridiculous proof like another merchant to take a look at the tinting, which was impossible since I never fulfilled the service as it was a bait and switch scam. Finally, when the claim damage during our move by  XXXX  was denied because the moving company said things break during moves, i wanted a refund for the extra insurance I purchased.  Citi ju st reversed the reversed charge without asking any details, contacting me or any other due diligence. Clearly, their protection is completely useless and I 'm closing my accounts but I want them to stand by their promise to protect card holders.

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 2017-01-24
Company: First Data Corporation
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My deceased wife passed away in 2011. I then found out I was a victim of identity theft. I went to the police and was cleared of all the fraudulent activity as well as criminal activity. I went to court when the banks were claiming that I might have used an alias and proved that I did not. TeleCheck is breaking the law by reporting information from a bank that is reporting to TeleCheck an account that 's already been proven by the police to be fraud and not belonging to me. When TeleCheck refused two remove this reporting hi then had my attorney send a letter to them. TeleCheck said that they could not discuss this with my attorney without a power of attorney even though that I gave permission for the attorney to talk to Telecheck to Telecheck in writing and on the phone. TeleCheck is breaking the law and trying to say that because the bank is reporting it to them they have a right to report it even though I prove to Telecheck that it was fraudulent. I 've given TeleCheck all four parts of 605b of the Fair Credit Reporting Act to show that they should remove that reporting of that fraudulent account. TeleCheck is acting Above the Law and claiming their policies overwrite the law and give them or right to break the law. My claim to them is that they have to follow the law and their policies have to abide by the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: PNC Bank N.A.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
For 3-4 years PNC routinely holds my tenant 's rent paid by wire transfer- typically 3-4 days before it even shows up as pending. If a holiday weekend they will hold it an additional 2-3 days. Rent typically was XXXX/mo but was raised to $ XXXX/mo this year and transfer coming via XXXX. If they can float the money and charge overdraft charges as w result they will!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: PLAZA HOME MORTGAGE, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX   XXXX   XXXX  provided me with a good faith extimate that did was grossly different from the final closing  XXXX / XXXX / 17 . The rate was increased mor e than .1 o f a percent and there was a fee of  XXXX   XXXX  dollars that was added in the last week when I could no longer extend the contract with the seller.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-10
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Comenity Capital Bank have continued to call me blocking their number and I have continuously asked them to stop calling and they will call and the calls are a few minutes apart every hour. The last time I answered the call the person did not verify who he was speaking with and then proceeded to ask if I had an attorney in regards to my bills for the cards I have with them. The calls have been everyday. Each card is for a different amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-09
Company: PNC Bank N.A.
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Our father passed away XX/XX/XXXX. XX/XX/XXXX, he completed paperwork at his bank, naming his XXXX natural children, my sister and myself, as Pay-On-Death beneficiaries on his checking account with PNC Bank. My father had no mental or memory problems, especially when it came to his money. He kept a close eye on everything. Upon presenting proper identification and the death certificate to the bank, they would not allow us to take out the money. Over the last 5 weeks, the bank manager, XXXX XXXX, has given different excuses. First, it was that we had to wait for Social Security and his pension to be returned. Then she kept telling us she had to have authorization from her " higher ups '' because the account held over {$20000.00}. She then added that our step-sister ( who is co-representative of the will ) but is not now nor has she ever been on this account, has to sign off on it before we can withdraw any of the money. On XX/XX/XXXX, I called and she gave me the same excuse and when I asked to talk to one of these " higher-ups '', she told me that the step-sister ( she used her first name, XXXX ) was contesting our right to the account, and that the account has been frozen. When asked why we were not notified of this by bank headquarters or by an attorney for the step-sister, I was told that she could not discuss any of that with us. She told me this 3 times, then basically hung up on me. Since then, my sister, who is on the account as a POD, went into the XXXX, Maryland PNC branch, and was told that in internal notes a XXXX XXXX XXXX had asked for a hold to be put on the account XX/XX/XXXX to allow her to make sure my Dad had signed the papers and that he had not done so under duress. My sister informed them who she was, showed her ID, the death certificate and a bank statement showing her as a POD. She told them the person who did this definitely was not her. She questioned if they had verified this person 's ID and the bank quickly changed their story, and the internal bank notes to state it was the step-sister, XXXX XXXX who requested the hold. After almost three ( 3 ) hours, my sister left the bank with no money and was told no one was allowed to discuss anything with her, and that she should probably contact PNC Corporate Customer Service in XXXX. Upon doing this, she was told that there was no one who could talk to her and she should communicate with her local branch. Then he changed his tone and told her that her lawyer should contact Corporate. Contrary to us being told that " XXXX '' had requested a hold, PNC is now stating that they put the hold on the account on XX/XX/XXXX, in order to do an internal investigation to be sure they had done nothing wrong. In addition, my sister has numerous health problems, and the stress is definitely causing her more problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: PNC Bank N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My account was used to process a fraudulent checks. I was supposidly hired as at the XXXX as an XXXX XXXX. My job was to XXXX for the purposes of travel and other expenses to the other employees at the XXXX XXXX XXXX. As a result the false checks bounced back into my account leaving me with the negative balance. Unfortunately my bank is about to submit me into collection since I have no money to offset the balance. I am currently unemployed, leaving with my parents, and unable to make my ends meet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: SUNTRUST BANKS, INC.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
On  XXXX / XXXX / 16  I closed  XXXX  IRA 's that I had through Suntrust Bank. I instructed them to cut a check for {$30000.00} made payable to  XXXX   XXXX   XXXX  for deposit to an Annuity Account that I opened. They were instructed not to withdraw taxes because this was a rollover and no taxes were due. I received the check and deposited it in the Annuity account. In  XXXX  I received a call from my Accountant, who does our Income tax and asked me why Suntrust withdrew taxes from  XXXX  of my IRA 's. By doing that I had to pay taxes on that amount plus I incurred a 10 % penalty.  XXXX  IRA 's were rolled over :  XXXX  for {$2000.00},  XXXX  for {$1000.00},  XXXX  for {$13000.00} and  XXXX  for {$14000.00}. Suntrust withheld taxes on only  XXXX  of the IRA 's the one for {$14000.00}. The amount withheld was {$1400.00}. The other  XXXX  were processed correctly as they were instructed to do. I did not realize that they had withheld the taxes on this IRA until my Accountant brought it to my attention. I complained to Suntrust and they are not willing to accept responsibility and rectify this error

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 2015-07-10
Company: CHECK INTO CASH INC.
State: OK
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
I received a payday loan with ( Check into Cash ) I paid interest fees and somehow my banking account gets completely out of order I explained this to them and they continued to send check through my account, then broke all kinds of confidentiality codes/law 's, Thank You For Your Time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have contacted Equifax and  XXXX  dozens of times about inaccuracies on my credit report. Every single time I dispute,  XXXX  comes back with different information, and Equifax just let these companies put errors on peoples credit report. These  XXXX  entries should already be deleted, but  XXXX  is reaging the accounts. They are not even submiting account numbers or date of last activity because they know it has passed the statue of limitations.   The report number is :  XXXX   XXXX    XXXX   Show Details   XXXX    XXXX / XXXX / XXXX  {$4800.00}  XXXX / XXXX / XXXX  {$4800.00} CHARGE-OFF  XXXX   XXXX   XXXX  Show Details   XXXX    XXXX / XXXX / XXXX  {$11000.00}  XXXX / XXXX / XXXX  {$11000.00} CHARGE-OFF {$15000.00}  XXXX   XXXX    XXXX   Show Details  XXXX   XXXX / XXXX / XXXX  {$10000.00}  XXXX / XXXX / XXXX  {$10000.00} CHARGE-OFF

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep telling CITI bank cards that account is NOT mine! They keep harassing me. Adding charges that I have no knowledge of. This isnt right!!

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 2016-09-07
Company: PNC Bank N.A.
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
On XXXX we went to an pnc bank to withdraw money to put on our prepaid card to reload we gave them XXXX from child support card but the bank atm a XXXX XXXX XXXX XXXX said transaction could not be completed and if took our money since then we spoke to a XXXX XXXX on the third and she said she cant help us that day but call back we then called her got on three way with netspend the company we use for the reload and they told XXXX that since the transfer did n't reach thenm and they have no record of it that they need to return the money to us and that they do not give perfisinal credits everday we have call ed and tried to get our money back they have not done so then they said can we sen a chashier check to your bank have them request the funs after they have already explained they could not we have called everyday to get our money nothing we do have the reference number is XXXX XXXX we want our money back and yes they do have it in their system it took out money

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: AMCOL Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Have been making payments to  XXXX   XXXX   XXXX  a  XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX , Texas for 2 years. I have the bank statements to prove this. Have not received a balance statement or acknowledgement of my payments. Have continued to pay monthly without fail. Called to check on the balance and  XXXX   XXXX   XXXX  said they did n't have my account. Gave them the acct number the payments were designated for and posted on the check. They said they turned the acct over to a collection agency a year ago. I have no indication that they had done this nor have I received any written notice from the " supposed '' collection agency, Amcall. Neither office can tell me who has been receiving and cashing my checks for two years. Amcall has spotty payments and  XXXX   XXXX   XXXX  says they do n't have any because a year ago it went to Amcall. However, I have been paying for two years. This seems to be a complete scam with neither party providing any written notices or verification of the debt. On top of this they have hurt my credit rating with undocumented collection claims

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Westlake Services, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
They are not reporting my credit at all. They say I only will have credit. W them. Company I bean making payments in time n I still have XXXX credit. For XXXX year already .this company name. Westlake financial services ..they said they can't report. Because. I have itin #. No a ssc

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 2017-05-10
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I called trying to see why i owe so much because it hendering my life i am homeless with my kids and i asked can they send me original documents to prove a  XXXX  debt owed on to apartment they stated on one account of  XXXX  intrested occured and  XXXX  occurred on another never recieved notice of it being in collections found out by checking credit report then i asked to speak with a supervisor he was rude and proceeds to tell my i have a lawsuit againt me and i would be contacted i told them i havent recieved nothing via court got off the phone called back the next day requesting documents sayed they would send me nothing. Only if I request my debt in writing i then contacted BBB and filed a complaint they send me documents partial lease agreements and spreadsheet break down nothing showing I owe  XXXX  no original stated from property company i went to the court house to see if anything was filed against me nothing i called them back and ask them was the lawsuit still active a manger that has my case a woman stated that the lawsuit was dropped because i stop working never once did in tell them i wasnt working when i been had a gov job then i again told them that what was sent to me wasnt accurate and she stated but it in writing i asked her if payments where made can i get statements on my monthly payments she stated no they would n't knowledge nothing unless it 's paid in full and they dont and want give me a copy of what i send them

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: APR or interest rate

Complaint:
I 've been subjected to paying interest on amounts that are much much higher then the actual amount of principal i was supposed to be paying interest on. this has been a systematic problem almost every month this year. 
I.E. : In attached statement of XXXX 2015 i had a balance of {$5600.00} on which i paid {$5500.00}. the total amount i would have been subjected to pay interest would have been {$140.00} HOWEVER the balance that the bank charged me interest on was {$4700.00} which means over 3000 % ( XXXX percent!!! ) more interest then i was supposed to pay. this systematic overcharging has happened almost every month this year. i 'm sure that this is something that many less then vigilant consumers had not paid attention to. 
this specific month- i contacted the card issuer and was refunded the over-payment HOWEVER- i was overcharged outrageously every month since as you can tell by the statements I 've attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: SACOR FINANCIAL, INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
A judgement was placed against me in 2008 by XXXX XXXX Bank and the debt got sold to Sacor Financial Inc in XXXX, CA. I was never properly served any court documents. Sacor XXXX Inc has levied my bank accounts and collected over {$8000.00} from me. The judgement was for about {$15000.00}. It has been over 8 years since this judgement and they are still harassing and calling me even though I have requested numerous times for them to provide me with the accounting breakdown of what is owed and all documentation retaining to this judgement. I hope that you will be able to guide me and help me resolve this issue.

Company response to consumer: Closed