BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a Chase Business checking account under a promotion in which I would receive {$500.00} in 60 days after depositing at least {$500.00} and holding it in the account for 60 days, while maintaining the account open for 6 months. I deposited {$500.00} into the account in person, the branch banker told me that I would receive my bonus ( hence my deposit amount ), and then Chase did not pay the bonus. They now say that it was not a qualifying deposit and that I needed to deposit via the branch ( which I did ). I do n't understand why it was not a qualifying deposit and would like the bonus to be paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-20
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX, 2015 a transaction occurred on my checking account that was completely unauthorized. {$2500.00} was debited from a business that had my card information. I called TD Bank immediately and spent the better part of XXXX hours trying to get through to someone who could put a hold on the transaction, as it was currently " processing ''. I was told by multiple persons, in multiple departments that although every other bank can process a typical " stop payment '' that TD was unable to do so, and I would have to wait until the transaction processed in order to proceed with any kind of reversal. The merchant has no receipt, no invoice, no signature, no verification whatsoever of the transaction, refuses to answer my calls, and TD Bank has refused to do any legitimate investigation and get my money returned, though I provided a full account email to them, faxed verification, and was told within hours of submitting all my information that they were not interested in helping, and that I would have to contact the merchant. The same merchant who will not respond, and this has put me on par with being told the house break-in victim has to contact the burglar.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: Platinum Holdings Group, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My wife and I have received XXXX ( XXXX ) telephone calls from Premium Asset Lending since Monday XXXX XXXX, 2015. 

My wife received XXXX ( XXXX ) phone calls on her cell phone at work yesterday, XXXX XXXX, 2015 from this telephone number " ( XXXX ) XXXX and ( XXXX ) XXXX from an " XXXX XXXX '' calling from " Premium Assets Lending '' leaving a XXXX messages to contact me XXXX XXXX regarding pending legal action that will " take place '' if I do not contact him " XXXX XXXX '' by the " XXXX '' -today is XXXX XXXX. One message said to call " XXXX XXXX ( spelling? ) " the attorney handling the case- case number : XXXX by the " XXXX '' not XXXX XXXX, 2015 just the " XXXX '' I do n't even know what I am being contacted for -I received XXXX telephone calls, XXXX from a woman on Monday XXXX XXXX, 2015 who did not identify herself at telephone number ( XXXX ) XXXX who left a message on cell phone to call " ( XXXX ) XXXX '' immediately and threatening that " there is legal action pending. '' I then received a telephone call from " XXXX XXXX '' from telephone number " ( XXXX ) XXXX '' leaving a message on my cell phone this morning telling me to call him back by the " XXXX '' because of a legal matter of concern with me. 

What can we do to stop these threatened phone calls from Premium Asset Lending

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I went to the XXXX.The hotel requested someone in our group leave a card to open a tab. I left my tab and they agreed they would not charge my card, rather just have an authorization, as long as the tab was paid in cash or by another form of payment. The tab was paid in cash by another friend, and the hotel still charged my card, thus they incurred double payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I rented a car from XXXX, authorized additional insurance for 5 days then canceled it and XXXX charged my XXXX credit card. XXXX will not reverse the charge. I did not authorize any charges after 5 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied twice for a loan modification and was stringed along for over 6mos and encouraged to apply twice to have the same outcome. Now I am currently facing foreclosure and losing my home. Chase just does n't care I am just another number in foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card
Issue: Other

Complaint:
I received a notice in the mail this week from Chase Bank USA NA, alerting me to " Important changes to your account terms. '' In summary the changes are these : " Cash Advance APR '' and " Overdraft Advance APR '' move from " 19.24 % to 24.99 %. '' " Balance Transfers Fee '' changes from " {$5.00} or 3 % to {$5.00} or % XXXX of the amount of each balance transferred, whichever is greater. '' " Late Payment Fee '' " Up to {$15.00} if your balance is less than {$100.00} ; up to {$27.00} if the balance is {$100.00} to less than {$250.00} ; up to {$37.00} if the balance is {$250.00} or more to {$37.00} '' and " Return Payment Fee '' from {$35.00} to {$37.00}. Providentially, I am also reading XXXX XXXX 's book " Fighting Back '' and noting how banks attempt to leverage their power. This seems to be another example of the reason we need the CFPB to advocate for consumers. Please question Chase for changes. Please protect consumers. Thank you! 
My heartfelt thanks to XXXX XXXX for her perseverance through these years of turmoil and struggle and all who engage with her on behalf of consumers! We need you!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: JPMORGAN CHASE & CO.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I 've been paying off my Chase student loans for quite sometime now. And last year, I was able to consolidate my loans into XXXX and so I paid off the Chase student loan. I had some of over payments that were due to be refunded to me. I refund check was issued and sent to me by email but I did not see this mail until just recently. At this point the check ( {$320.00} ) is void. For some reason I can not get a hold of anybody at Chase to even talk to about this issue. They did n't hesitate taking money from me but now that they have to pay something back it 's very difficult to even get a hold of anybody. Any help to resolve this issue will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: CITIBANK, N.A.
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
In XXXX my money in savings account number XXXX with Citibank was fraudulently withdrawn. On my protest, Citibank credited the money back into my account. Since I do not live in USA I instructed Citibank to block the account ( which obviously had been compromised ) to prevent further abuse until I identify myself in person. 
In XXXX, I visited the bank and to my utmost surprise, withdrawals were again carried on the account, In response to my inquiries, Citibank stated that after my account was credited with the previously disputed withdrawals of XXXX, the account was again debited in XXXX. Citibank admitted that despite the freezing instruction on my account, it was unfortunately not blocked as instructed " due to interest that was posting ''. 
Since then Citibank has refused to investigate and/or credit my account with the money despite several protest and complaints.

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 2015-05-20
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
Citi Bank Credit Card took an " Unauthorized '' payment out of my bank account from past credit information they had on file. On XXXX/XXXX/2015 I made a payment of {$170.00}, and again on XXXX/XXXX/2015 Citi Bank took it again. I contacted Citi and they gave me several " Run-Arounds '' and various numbers to contact. I submitted several fax messaged to their " Payment Investigations Dept. '' @ XXXX with a cost of {$1.00} per fax sheet incurred upon me. I also have {$140.00} in overdrafts with my bank. Citi submitted {$100.00} of the {$140.00}, but there is still an outstanding {$36.00} overdraft they have not covered, and additional {$110.00} in XXXX Deposit ( s ) made into my account that my bank took to cover overdraft ( s ). So I am out {$150.00} total to date. I would like the {$150.00} refunded to me. I do n't wan the unauthorized {$170.00} back now because this has now drug out so long that we are into another month and I might as well just let them have that toward the account. Thank you. XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: Student Loan Finance Corporation
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
I am from XXXX, came to US in XXXX to pursue my XXXX in University XXXX ( XXXX ), XXXX XXXX, ND on an XXXX ( XXXX XXXX ). I was maneuvered as a cosigner of student loan in an unfortunate and insidious situation by the primary borrower XX/XX/XXXXand the principal of the student loan was {$9200.00}. The primary borrower, an US citizen, was working as XXXX XXXX of XXXX where I joined to pursue my XXXX program and later started working as an part time employee of XXXX section of XXXX and also. She took advantage of her position at XXXX and me by asking to cosign her own financial loan application. Because of different cultural background, lack command of English language used in statutory/promissory and deceived and untruthful manipulation by the primary borrower I could not asses the gravity of the cosigners responsibility. According to my previous knowledge and experience about loan process in back in XXXX, I thought my signature was just for verification of identification of borrower, no financial responsibility associated. Also in XXXX the financial obligation of cosign is fulfilled by immediate relatives of primary borrower whose assets and financial conditions are judged before. Furthermore according to the rule I do not qualify as a cosigner as I am not XXXX, the primary borrower being an employee of XXXX then, had convinced me the same ( use my signature just for verification purpose, no financial obligation involved ) and asked for a 'small ' help for her academic advancement. She also took responsibility that I would not have any financial obligations as I am an XXXX who do not qualify as cosigner. I also intended to help her as my past colleague to pursue her academic advancement without any financial responsibility. 
Unfortunately, she after few initial payment stopped paying the loan and I started getting letter, phone calls and a letter from the creditor 's attorney to me threatening of legal action if loan is not paid. I communicated the bank through phone call and letter from my side and also by an attorney who sent a letter on my behalf to the banks attorney in response ( in XX/XX/XXXX ). I conveyed them several time that I do not qualify as a cosigner for the loan and requested them to exclude me as cosigner but Bank did not listen to that. 
I am still receiving letters and phone calls. My credit score has severely affected by this outstanding loan amount. I am getting immense mental stress and harassment. I would like to know what the solution of this issue is. I am attaching the copy of the promissory note of the loan that I signed as cosigner. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-21
Company: AES/PHEAA
State: VT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My student loans ( my own and my XXXX loans for my kids ) went into repayment in XXXX XXXX and I was put on an income related repayment plan because I have a low income. My repayment was {$240.00} per month. In XXXX XXXX I was notified by email that my payment would increase to {$430.00}. Since nothing much had changed in my circumstances, I felt there must be a mistake. I called and spoke to a service provider at FedLoan and was unable to clarify to my satisfaction exactly why my loan increased. He said that it had increased because a great deal of interest had accrued because I had lower payments and also that my income had increased. Subsequently, I spoke to another servicer at FedLoan as well as several other counselors who help with student debt questions ( including my tax accountant ) and it appears that the servicer made several errors such as telling me that my debt had risen to {$99000.00} from {$66000.00} in one year because of the lower payments I was making. I finally managed to speak to someone from the XXXX office and when we went through the figures together, she identified a key error made in calculating my repayments : the FedLoan servicing organization had recorded my gross income as something like {$10000.00} more than the previous year, whereas it had increased by just over {$1000.00}. This miscalculation was in spite of the fact that my tax forms had been correctly submitted on time by my tax accountant. The ombudsman service woman suggested that we try to sort out the problem with a XXXX call but she was unable to get the appropriate person on the line at that time. She was supposed to be calling me back as soon as the call was set up. I have n't heard from her since and it has been about two months since we spoke. In the meantime, I have had to take money from my pension to help with expenses -which will increase the recorded income for the past tax year - and I also need to reduce my household expenses as much as I can. I would like to cut my phone landline which costs me {$60.00} a month but it is the phone number that the XXXX office contacted me at, so I have been reluctant to give up that number. In other words, the FedLoan Servicing organization 's errors appear to have not only caused me to lose the full income sensitivity that I merited, but it is also costing me money. I would appreciate your help in resolving this without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: P&L Acquisitions LLC
State: NC
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
There is a 6.5 year old debt that I have been fighting for a number of years. I have filed fraud documentation with the original creditor, XXXX, and they are working on the process of clearing that now. The debt was taken out when I was under the age of XXXX by whomever took the debt out. Also, the statute of limitations for an open account ( credit card ) is three years in the state of Louisiana. The account was taken out in XX/XX/XXXX, we are currently in the last few months of XX/XX/XXXX. Therefore, the statute of limitations has run on the debt. P & L Acquisitions sent me a litigation notice about the debt. The amount listed in the " Amount Owed '' section is {$2600.00}. The original debt was {$1000.00}. I spoke to XXXX XXXX, manager at P & L Acquisitions, and he was very evasive, refusing to send me a written validation notice of the debt. The account was written off and taken off of my credit report by the original creditor XXXX. It appears the company is attempting to make a profit, illegally. I have contacted my attorney and she informed me of all of my rights under the Fair Debt Collection Practices Act, to which P & L Acquisitions is in violation of. The use of bullying tactics, evasiveness, and illegal practices by P & L Acquisitions is astonishing. I have recorded all conversations from P & L to demonstrate the things mentioned in this complaint. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-29
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
RE ; FAY SERVICING - LOAN # XXXXplease help me!!!! Fay Servicing has been giving me misleading information regarding the application for a HAFA Short Sale to avoid foreclosure. 
Now after XXXX months since i applied for a loan workout when my loan was still with XXXX XXXX XXXX and somehow the loan was transfer to Fay Servicing after i request for a copy of the original loan documents. 
FAy Servicing has been manipulating my review, i have provided every single document requested by XXXX XXXX. Which she advise me that she will no longer speak to me over the phone becuase i havent paid my mortgage. 
I called numerous times to get a manager and they keep disconnecting my calls. 
Fay Servicing has set a sale date for my property for XX/XX/2015 and even though the previous offer that i submitted to Fay Servicing backed out. I was able to get another offer which it was submitted to Fay Servicing since XX/XX/2015 with all the required documents. 

So far no response from any one. 


Please help me!!!! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
On XXXX/XXXX/2015 I faxed Trans Union a dispute letter of a Federal Tax Lien that they are reporting against me. With that dispute I showed them a letter from the IRS that said the lien was withdrawn. That means it does n't exist anymore. On XXXX XXXX, 2015 I received a letter from Trans Union saying " verified, no change ''. It 's obvious to me that no resonable investigation was made as the facts are CLEAR. This lien has been withdrawn by the IRS and needs to be removed immediately from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
Bank Of America committed fraud with my personal financial information when I applied for a loan.We applied for a Lot loan in XX/XX/2006 where Bank Of America required us to state our income and have our employer verify our income-we did and they approved the loan.Without our knowing it Bank Of America altered the financial information we put on the application to obtain a mortgage insurance policy from XXXX naming Bank of America as the beneficiary in the event of a default.We were completely unaware of any mortgage insurance policy and it is not on any papers we filled out.Our income was stated on the forms as {$4500.00} per month and was verified by my employer.Shortly after we were approved for the loan an XXXX for XXXX contacted us and told us Bank Of America had altered the forms we provided to state our income as {$15000.00} per month and that amount had been verified by my employer.We told him I had put {$4500.00} per month as the income and it had been verified-not {$15000.00} per month.XXXX told us Bank Of America had altered the amounts on the application and submitted them with my signatures as an application for mortgage insurance.We are now in default on this loan and Bank Of America is anxious to foreclose so they can collect on their fraudulent insurance policy.They are attempting to get paid from the insurance policy from XXXX and after the foreclosure sale get paid again by suing us for their loss.We believe we paid for this insurance policy with our down payment without knowing it but have never had any mortgage payments covered by the XXXX of XXXX altered then used my personal financial information and signatures to obtain an insurance policy for them to be the beneficiary in the event of a default and are now foreclosing to benefit from the insurance policy.2.And if mortgage insurance was obtained using my information, that I may have paid for with my down payment, why was n't it purchased to protect me from losing my asset in the event of a default and why was n't I told about it?

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