BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-03
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX 2016 I noticed XXXX transactions related to my " Fidelity '' checking that I did not make. The XXXX transactions totaled approximately {$970.00}. I contacted " Fidelity '' and they cancelled my debit card and issued a new one the customer service representative said it would be turned over to their fraud department for investigation. I was advised it would take 10-15 days and a letter would be sent out. I received the letter advising me they determined the charges were valid and were denying my claim. This is XXXX! I was no where near where these charges were made. I 've called the card services number XXXX ext XXXX XXXX ) and my phone calls have gone unanswered. I called the fidelity service and was told that they would have someone call me. The XXXX charges that were processed and that I am disputing areas follows : XXXX # XXXX XXXX, CO {$860.00} XXXX XXXX # XXXX XXXX, Co. {$96.00} XXXX XXXX XXXX # XXXX XXXX, Co {$18.00} XXXX # XXXX ( XXXX ) XXXX, Co {$3.00} I noticed these on my account on XX/XX/XXXX and contacted " Fidelity '' the same day. I do n't just have {$970.00} laying around to pay bills and not sure what their investigation revealed or how they could determine these were valid charges. Their not valid charges and I did n't make them. I 've been trying to contact them so I know what their investigation found. For instance what was the date and time of the transactions, what was purchased at XXXX that cost {$860.00}, what did I purchase at XXXX XXXX for {$3.00} is this for real? Not to mention the XXXX {$96.00}. Then the charge for the XXXX in XXXX, CO for {$18.00} since I 've never eaten at XXXX. Let 's just say I 'm XXXX with Fidelity and will be moving all of my accounts to another financial institution. In the meantime I need to recover the {$970.00} to pay bills.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-09
Company: Commonwealth Financial Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Some hospital sent me a letter saying that i was admitted and that I owed them money ; So I called right away and asked " what is this '' So I gave my name and dob. when they saw that Dob. did not match some lady said " Oh this is not you I will take care and remove it right away " I said thank you and then went on with my life : until I started getting harrased by some bill coll. company with letters and phone calls about once twice a week.at that time I had never been in a hospital. this started about 4 years ago give or take some months. the name does not match also

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: Block, Inc.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened an account with Cash App ( XXXX XXXX  ) this account was strictly for shopping and I paid a couple bills. The deposits amounted up to {$800.00}. I went by transaction by transaction. Then I added all money spent on bills and shopping and that amount came to {$700.00}. They are telling me that I over drafted my account by XXXX?? Now in those deposits I didn't even include the roundups that is where they round to the nearest dollar amount and put it towards stocks. I have contacted them several times today XX/XX/2022 That the storage unit I paid charged me a late fee. that is a complete lie. Because I called the storage place and it was a debit. That means it went out instantly and there was no late fee. I have addressed the situation several times and each time its something new!. I am on a fixed income I have gone bankrupt. So every dime counts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of Identity theft from XXXXXXXX XXXX in XXXX FL XXXX 
There were medical services obtained under my name that were reported to the police as well as the FTC and is an ongoing investigation. We alerted the collection agency and all three credit bureaus. Unfortunately this collection agency will remove it from my credit only to re-report it with a new date attached over and over again. 
The amount stays the same but the name of the lab and collection agency slight changes each time along with not referencing the original date. 

This harassment has caused me time and money. 

The name of the agency is XXXX XXXX XXXX Original creditors listed as : XXXX, XXXX XXXX XXXX XXXX, or XXXX XXXX The amount being reported is {$1800.00}

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 non-monetary relief
Consumer complaint received 2015-10-10
Company: Caliber Home Loans, Inc.
State: RI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
For the past 4 years I have been trying to get a modification. About 3 years ago the loan was assigned to Caliber Home Loans. XX/XX/XXXX I was a approved for a Trial Period Plan for 3 months, XXXX payment due XX/XX/XXXX in the amount of {$1500.00} ; the last payment under the trial plan was due XXXX XXXX. I continued to make monthly payments as I was waiting for the final paperwork for the modification. XX/XX/XXXX I received a letter stating that I was not eligible for the modification because I did not accept the offer, which is not true as I never received the documents. XX/XX/XXXX, received another letter in which they returned my payment for the month of XXXX. I did call Caliber Home Loans XX/XX/XXXX asking for an explanation and details, and I was told that there was nothing to explain since letters were sent out. In the meantime, I received a foreclosure letter from XXXX XXXX XXXX dated XX/XX/XXXX stating that my property is going to be foreclosed XX/XX/XXXX. I am looking for some help, as I do not want to lose my property in which I have owned XX/XX/XXXX. Caliber not once, helped me or has made any effort to take into consideration my hardship. The currently interest rate is 8.250 %, and an adjustable as well. I can not afford to take any chances as the rate can go as high as 14.250 %. Any help I can get would be greatly appreciated. Attached is all the necessary paperwork to support my complaint. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: Commonwealth Financial Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
Commonwealth Financial Systems Incorpated has repeatedly placed threatening phone calls to my cell phone and the phone of my XXXX father. These calls do not identify the agency as a debt collector, the message directly state " legal action is being taken against you, papers are being filed in a court of law, if you do not contact us ''. 

I returned a call on XXXX/XXXX/XXXX to see what company was calling leaving messages like this on my father 's phone ( he has XXXX trouble ). I spoke with a representative who had information on an old payday loan account ( over 8 years old ) that was verfied paid before I filed Chapter XXXX in XXXX. 

I asked the representative why they were calling me instead of the lawyer ( he stated I was being sued in XXXX, I reside in XXXX ) and he began to become irate. 
I further advised him to contact directly and not my father, which turned into an argument. He stated it was ok, they will pursue. 

This practice of threatening consumers is unacceptable. The company stated they had an affidavit from my bank, but they had outdated contact information. The representative further claimed they sent court papers to an old address and email, but they had a current phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: Bilateral Credit Corp, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Not only was the wrong amount attempted to be collected, but after speaking to an executive in regards to my dispute they did infact disclose that they do record some calls, but not calls. 

I was never told this and feel that this company should have dislosed upon it 's first initial communication that some calls may be recorded. 

I am very very concerned and feel that greater transparency on how Bilateral conducts itself is of public benefit. Recording a call without knowledge of a consumer or without warning that some calls may be recorded is a serious offense, perhaps a class wide offense. 

this complaint is in connection with XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: ORG GC GP Buyer, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
GC Services called multiple times to my work, discussed some debt that I am not aware of with my company receptionist ; they also contacted HR department in regarding to debt info and claimed that they are calling from the government and will garnish my wages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-05
Company: JPMORGAN CHASE & CO.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I have an account at Chase Bank, XXXX XXXX, XXXX XXXX, MI and have been trying to obtain funds from a check dated XX/XX/XXXX for XXXX euros from XXXX XXXX and Co drawn on the XXXX XXXX Bank. This is inheritance money from my deceased mother. 

XXXX have confirmed that the funds have been sent XX/XX/XXXX, and accepted by Chase on XX/XX/XXXX. However, the funds have not been placed in my account. I call them regularly but they stonewall me saying that they need to talk to the Irish bank. Chase says they are working on getting the funds but nothing has happened since XX/XX/XXXX when the money was transferred ( see attached document ). 

The Banker who I was dealing with is XXXX XXXX. 

sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I went to the Chase Location XXXX XXXX XXXX, XXXXXXXX XXXX. XXXX off this Location needs new management, there is always only 1 teller open with more then 6 employees on location and when you look behind the glass there is 3-4 employees in the back not helping customers. open 1 more window service will go faster not 30-50 minute waits. Anyways on Thursday XXXX/XXXX/XXXX I went to this Location and waited almost 40 minutes just to purchase checks which I need to submit to a credit card. I advised this to the teller, I was never informed the checks will have that locations routing number and not my routing number ( my bank account was opened in XXXX XXXX routing number XXXX I was given a XXXX Routing number XXXX ). I was then rushed away due to the fact that since she was the only teller open they bank was already closed with 3 customers still behind me. I returned to the location Saturday XXXX/XXXX/XXXX as per informed by customer service if I went and told the location to have checks reprinted with the correct routing number they could do it for me. I was directed to the manager ( not helpful at all useless ). and was told " all we do is temporary checks which contain the locations routing number '' I explained the situation and asked for my {$2.00} back ( I will not pay for a service which is incorrect and done wrong ) and was told " I can not search transactions that far back you will have to call the XXXX number and they will give you the fee back '' ( transaction is only 2 days old how can you not search transactions that far back? ). I called the XXXX number and was denied the fee back. The point is not the {$2.00} the point is paying for a service which is done incorrectly and then being stolen from ( the way I see it ). If JP Morgan Chase wants to keep their {$2.00} they can but they have lost a customer of almost 8 years since XXXX. ( left and came back and had an account closed and reopened due to Fraud ). I have never been so unhappy with an institution ( I started having problems with chase in the past 6-12 months not sure what they changed but I am not the only unhappy customer ). This is my second complaint to Consumer Protections for JP Morgan Chase and will be my last as per they have lost my business. I suggest this institution be investigated and whatever possible to stop stealing from its customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-30
Company: Genesis Lending
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
In XXXX of 2015, I set up a XXXX month forbearance with Genesis Lending in which they would deduct {$40.00} every month for XXXX months. I received a letter stating what was set up over phone and another statement stating that it was going to deduct on a particular date as I had set up in XXXX and the payment was deducted accordingly. My father, who is a co-signer on this loan received a letter dated XXXX XXXX, 2015 stating that this account is past due and payment was owed immediately. I called Genesis Lending and was told that my forbearance was processed incorrectly and that the last associate I spoke with was wrong in the terms of repayment that they offered me. But because this was their mistake, he offered to fix this for me and to put a new plan of forbearance in for processing that would be {$40.00} for 6 months, {$80.00} for the next 6 months and then {$160.00} for the following 6 months. When asked why I had not been advised as to this processing issue he stated that a representative had called me on XXXX XXXX, 2015 and was unable to leave a voice mail. I never received a call from Genesis Lending. When I asked why I had not been notified in writing he responded with " I do n't know ''. I got no answers, but just an offer to change my forbearance plan to something I did n't originally agree with. This company has not learned its lesson and is BAD business. 

I attended XXXX XXXX in XXXX, GA from XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30
Company: BB&T CORPORATION
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Submitted a complete package to BB & T asking for assistance with mortgage, in letter dated XXXX XXXX from BB & T and received on XXXX XXXX by mail, BB & T in effect asked us for updated financials and an additional piece of information - a letter of income contribution from wife of income shown in bank statements in package. 
Today, Friday XXXX XXXX we found out that on XXXX XXXX BB & T sent a motion to the court asking to schedule a foreclosure sale by looking at the court docket, we were not even noticed. We found out because someone came to the house telling us that they were made aware that we wanted to sell the house, we said no, who told you so. In following up on what this visitor said we looked at the court docket which showed that a motion was sent to the judge asking to schedule a sales date, we were not even noticed by BB & T. See a copy of the court docket showing a motion sent to the judge asking to schedule a sales date. 
This shows that there is no intent by BB & T for us to be fairly examined for alternatives to a foreclosure sale. Their sole intent is for us to be foreclosed on.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Under the oath I told Wells Fargo all XXXX transactions were unauthorized but they kept humiliating me I want all documents on the basis they rejected my claim I want hard copies of documents

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: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Hello sir/mam I am an XXXX student studying full-time at XXXX, XXXX. I applied for a credit card in XXXX and it was declined. I did not know the process and applied again after 2 days which was declined as well. I had no idea this would affect my credit score as I do not have SSN. I have been trying to get my credit report but I do not have SSN so can not fill the form online. I sent a written mail but the response was no SSN provided. 
I bought a car in XXXX and paid in cash. When I got insurance for the car, I was told I am getting a higher premium because of my credit score ( FCRA ) but I never made any late payments ever and never took credit to start with. 

My name is XXXX XXXX. 
I am from XXXX, XXXX. 
My date of birth - XXXX. 
My contact no- XXXX My current address- XXXX XXXX XXXX, XXXX, XXXX, XXXX. 
My previous address- XXXX XXXX XXXX, XXXX, XXXX , XXXX. 
Please help me out and clear any disputes my credit report might have. I would be very obliged.

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 non-monetary relief
Consumer complaint received 2015-07-22
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Nationstar is sending out deceptive solicitations for refinancing. They always claim " lower interest rates ''. They tout " reduced monthly payments '' and " shorter loan terms ''. 
The problem is that the interest rates are significantly higher ( I 'm at 2.675 % ), and the benefits they cite can only be achieved by paying Nationstar higher interest. 
With a finance/accounting degree I know that they 're not offering any benefit, but an uneducated consumer might fall for their tricks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09
Company: BB&T CORPORATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage had remained with BB & T Bank since early XXXX when they bought my mortgage from another institution.I pay {$1100.00} as my mortgage and an extra {$100.00} that goes to my principal.My payment period starts XXXX day to XXXX day of every month which BB & T draws from my Account with the bank ( bb & t ) automatically.Incidentally, my XXXX XXXX mortgage was deposited into my BB & T account ( {$1300.00} ) cash around XXXX on XXXX XXXX, which is within my payment period.Surprisingly, BB & t slammed {$47.00} late fee, {$36.00} for belated automatic withdrawal on XXXX/XXXX/XXXX and another {$36.00} on XXXX/XXXX/XXXX when they collected the money that had been in my bb & t account cash since XXXX.When I called the Bank, the {$47.00} late fee was waived, but I am asking for complete refund the remaining {$72.00} which is still hanging.Please help me resolve this kind of shabby treatment particularly given to me by BB & T , as this is not the first time.Thanks.

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 2016-12-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Before travelling to XXXX, I notified Chase of the upcoming travel. During the trip, I had transactions denied when trying to purchase my train ticket and the access to my account was suspended. The card has been fully paid each month, there are absolutely no debts of any kind. Because of that, during the trip I had no way to check my account for any suspicious activity. I XXXX to Chase and they were not helpful, asked me to call overseas. On XXXX XXXX, attempting to regain access to my account, I stayed on the phone with customer service for 20 minutes, had to verify my Social Security, Security Questions and also confirm a secret number sent to my mobile phone. I had to give enough information to even open a new account. Even after all that, my account was not reactivated. From XXXX XXXX to XXXX XXXX ( over 2 weeks ), I was left with no access to my account. Chase never contacted me to fix this. 
When complaining to Chase, I received even more disappointing service : - On XXXX XXXX, Chase informed my account was accessed from a unknown device. Of course, I notified I 'd be away and accessed the account from the place I notified I 'd be. This is not a valid excuse to suspend my account. I replied they had information that I 'd be in XXXX, so my account should not be suspended when accessed from XXXX. 
- On XXXX XXXX, I was accused of never including a travel notification, and that was the reason my account was suspended. I replied with the Travel Notification confirmation that I received. 
- On XXXX XXXX, Chase blamed Visa for denying the transaction and informed I 'd need to reprocess it. I tried at least twice. Again, Chase informed my device was accessed from a unknown device, even though I informed many times they had information I 'd be in XXXX, and I was trying to access my account from XXXX. Chase informed they wo n't offer any compensation, of any kind, for all these issues. 

These problems happened for a premium credit card that already charged me {$450.00} in annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XXXX I disputed the completeness and accuracy of a trade line being reported to my credit report. I was requesting account level documentation stating my agreement to do business with Capitol One. I also sent a letter to the Credit reporting agency to remove the incomplete or inaccurate information. Neither company complied to my request. Instead capitol one wanted me to send them supporting documentation for my request.

I requested with a second letter to capitol one to do another investigation and another letter to XXXX and XXXX to reinvestigate the request.

Company response to consumer: Closed with explanation