BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-15
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I XXXX XXXX have been been unemployed for the past few months. On the date of XX/XX/XXXX I started my first job in XXXX Ohio which starts at XXXX. I have video proof of me being at work also my card was in my possession .at approximately XXXX were 4 transactions that occurred .... there was XXXX for {$60.00} at XXXX ATM in XXXX Ohio . The second was for {$300.00} which at this point my account is official over drafted and my balance is below {$0.00} considering my initial balance was {$360.00} to now {$0.00}. Then there was {$600.00} debited from my account. The problem is I have video proof and witnesses that will confirm I was at work not even in the same zip code.the next problem is that Citibank allowed someone to take money out of my account even when my balance was negative. Something else thats quite interesting is that non bank atms only allow you to pull {$200.00} at a single time max. I then reached out to Citibank and explained my problem and I was told that a new card will be issued and that they would restore my account I was also given the claim number XXXX, and told all would be taken care of in 10 business days ... ... After waiting more then 10 days I called Citibank on XX/XX/2020 at XXXX eastern time ... where not only was I treated with the most disrespect but I also asked to speak to a supervisor thinking it would resolve my issues ... ... when I followed up with her she told me my claim had been declined and that a letter was sent to my home address. This was never received. I proceeded to ask her how is it that the letter states that it was in fact me and my card used at the debit machine .... I asked her how can that be if I personally have evidence showing Im at work over 22 miles away in a warehouse where I was on film loading trucks. I also stated that I know every ATM has a camera on it for security and I know that will also confirm my truth, I was then swiftly told that she was at the point where she can not answer questions or remain on the phone any longer ... .... the representative then proceeded to act like the were no longer on the phone, but then I realized she was just trying to continue to listen to me vent to my girlfriend for an additional 15 minutes but would ignore as I tried to acknowledge her .... so now Im here writing for help because Im now gon na be forced to pay money that was mysteriously taken from just to try to keep my credit in tact. Ironically this was just done during the covid pandemic..so basically help is either minimal or not their at all.. I also Researched that they did this to millions years prior which ended in a multimillion dollar suit

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 2016-01-03
Company: Williston Financial Group
State: OR
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
My ex husband refinanced his house on XX/XX/XXXX and WFG is the title company with XXXX XXXX listed as the Escrow Officer. After a conversation with the District Attorney and also a private family law attorney that was representing me in a civil matter with XXXX XXXX, there was concern as to how this refinance could have possibly taken place with a judgement/lien for over {$8000.00} in unpaid child support. In addition it was discovered as XXXX testified in court that that more than {$15000.00} was issued as cash payment to XXXX XXXX as part of this transaction. None of which should have taken place without the child support judgment being paid first. She did indicate that another judgment had been paid but did n't indicate what that judgment was for. I am currently owed more than {$20000.00} and this transaction seems to have been fraudulent. 

I have pulled the public records to confirm the title transfer. If indeed the previous title and the current title are in XXXX XXXX XXXX name, this transaction should n't have legally taken place without the child support being current. 

In addition, the demographics of the house show a XXXX bedroom XXXX bath home. The basement of this home was remodeled without any permits being pulled and the home is now a XXXX bedroom, XXXX bath home. I will notify the county of the work as this is a safety concern. 

The property address is XXXX XXXX XXXX XXXX XXXX, Or

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Resurgent Capital Services L.P.
State: NY
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:
The company LVNV FUNDING ALSO KNOW AS Resurgent Capital Services has been calling multiple times consistently. I requested a contract or a agreement signed by all parties involved and they were not able to provide. but continue to call. I've ask for it to be removed. under federal regulation they should not be harassing me with multiple calls or threats. the amount on my report {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: Caliber Home Loans, Inc.
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I filed for a VA streamlined refinance loan on XX/XX/2020 & XX/XX/2020 loan # XXXX. Thereafter I filed for cares act protections due to covid.

The company repeatedly contacted me to review my Cares Act forbearance although I never missed a payment but refused to provide any guidance on the loan I reached out several times inclusive of a callback request to notify the lender I could not access the documentation to secure the loan but the lender has provided no responses in the matter.

I feel I am being penalized for merely filing for protection under the cares act and have been denied a refinance that would have provided significant savings.

I also believe the lender sent documentation to the incorrect mailing address further delaying the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I had a 10 year fix that was going to adjust I had written Chase about this and requested a modification for months I tried to communicate with Chase Lending dept via telephone and letters stating I will not be able to support this load once it adjust, in time a letter was sent stating because of my on time payment history they could not help me. XXXX day in XXXX of 2012 I receive a call for Chase lending dept saying they were going to fix my loan I was surprised the man I spoke with told me I had 24 hr to accept this offer, I then asked him was going to be through the Government Program Call Harp I ask him if my mortgage would be reduced he did not respond the more question I asked him about this he made it quite clear that if I did not accept the deal it would be off, so I agreed to it. He came back with a 30 year fix at 4.5 % and reduced my mortgage by {$5.00}. just recently another bank offered to refinance my loan and they asked me about the Harp program and they said I qualify for it and while processing the paper work an issue came up which disqualified me, it was because Chase did a refinance and not the Harp program I belief this was because they wanted to the amount of dollars coming in now I can not get into the Harp program or refinance a a lower Interest rate they should have done the Harp program for me and my family. 
I would like for Chase to Modify my loan and reduce my Interest rate I tried to call and my number must be on a list because every time I call I get a recording that say 's we can not process you call at this time, I 've also mention about the XXXX XXXX dollars they were supposed to use to help out their customer and guess what they know nothing about this I would like some assistance from Chase to set me up in the Harp Program and reduce my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Velocity Portfolio Group
State: FL
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:
Cks prime investment is reporting that I have and open account. I do not have an open contract with cks prime investment. I do not have a collection Im requesting that the account be permanently removed from my credit file as it is damaging my scores to buy home.

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 2023-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have had 2 Bank of America visa credit cards, both paid & closed in good standing. It mystifies me why not only was my XX/XX/23 AND XX/XX/23 secured card applications denied, my login in account is CONSTANTLY taunted by fresh approvals, as the enclosed document shows, available to upload to ANY agency I deem fit, proving careless treatment of my credit score with wasted inquiries.

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 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022.

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 2016-05-20
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Other

Complaint:
I have held a Sears Mastercard for several years. I have not used the card recently because the terms of the card are not competitive. The card was recently up for renewal, and Sears sent me a new card. When I log on to the web site I receive XXXX messages -- the first says I was sent a new card and need to activate the card. When I activate the card, I am told the card has already been activated. The XXXX message on the web site says my account has been closed. 

I sent a message to Sears via their web site requesting status, and was told my account has been closed. I have not been notified to that effect via any method such as a written mail notice.

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 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/2021 {$640.00} loan from XXXX XXXX  via a purchase of electronic equipment at XXXX. I did not approve the loan, I did not sign a document. I did not receive a validation code or a text, I did not receive an email. I reached out to XXXX XXXX and they claim they sent the documentation to an email address I have not used in over 25 years. They claimed I did receive a text but declined receiving. It is absurd. 

My son did purchase equipment from XXXX  on that date, while XXXX years old I gave him permission to use our XXXX card to buy an XXXX. Once learning that XXXX and XXXX used XXXX practice of solicited loans without documentation and utilizing old information with out the credit holders approval, I called XXXX. I did payoff the loan to stop the negative reporting. I asked XXXX for an explanation and after several phone calls and letters/Email, they claim they did nothing wrong, that I did take out the loan by proxy, and even suggested that I should file a police report on my son. WOW.. .until then I did not realize how morally corrupt the bank practices were. Again, I did not approve a loan, I did receive a validation code, Never signed a document, nor received any paperwork, nor any mail for 4 months. 

My credit has 120 day late report from XXXX. I want it removed. XXXX bank is guilty of predatory loan practices. XXXX and XXXX took an opportunity to defraud the consumer utilizing a loan vehicle to sell more product. 

I have not had a late payment in over 20 years on any credit report and maintain excellent credit. The XXXX XXXX predatory practice is wrong and must be called out. I demand the late payment notification be removed from my credit report with Transunion and XXXX.

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 2015-04-17
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo 's continuing harassment of mortgage holders late on payment. I am on fixed incomes with irregular receiving schedules with NO missed payments, only late/tardy. Have already implemented a " cease & desist '' against them for repeated phone calls - no messages left most times - & emails. So they 've resorted to other methods, like frequent certified mail & the big white door hanger with " CONFIDENTAL '' printed on the outward facing side in enormous red block font lettering ( I have photos ). This is beyond embarrassing & I consider it harassment. Inside the envelope is a piece of paper asking me to call them immediately. When done, the Wells Fargo mortgage rep just wants to know when you 'll be paying that month 's installment. That 's it??!? Big giant red letters on a bright white envelope hanging on my front door for all my neighbors to see for that??!? & Certified mail stickers plastered on there as well? What is wrong with these people??? 

I am NOT 6 months behind on my mortgage, or even 2. When you rely on others for your income, like Social Security & alimony, it 's difficult to budget sometimes & sure I 'm late but not behind. I catch up & always have, but throw in an unexpected event & my budget is a mess. Things happen. I ca n't help that & living " check-to-check '', there 's nothing to fall back on when you have to have an abscessed tooth pulled & do n't have dental insurance anymore. Wells Fargo 's motto is " Together We 'll Go Far '' but they do n't play well with others, that 's for sure. A plain letter mailed to me would be acceptable if they 're that worried about a late payment, but they have n't tried that approach to date. Got to have Certified mail & BIG red lettering on my front door. As if living with a physical XXXX trying to manage after your ex-husband, & main provider, abandoned the household, & filing for bankruptcy in the last 12 months was n't enough. 

Quit the harassing behavior Wells Fargo!!! You 'll receive your payments, like you have for the last 12+ years. Might be a week or 2 late, but it 's coming. Really!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I decided to apply for my first credit card as I am approaching the end of my college career, and I wanted to start building credit. I used XXXX XXXX to see which credit card was best for me and their top recommendation was the Discover It - Cash Back card. I applied on XX/XX/22 and was sent the confirmation email from Discover ( 1st attachment ) that I was approved and getting a card. I then signed the XXXX form they asked me to and received a confirmation that i had successfully completed that as well ( 2nd attachment ). Six days later, I received the card in the mail and immediately activated it. I received the email that claimed the process was a success and that I could immediately use the card ( 3rd attachment ). However, when I tried to use it, I was being denied. I called Discover right away and asked what the problem was, and the representative said they hadnt finished verification. I never got an email about this apparent two week period where I have my card, it is activated, but I cant use it. The next day ( XX/XX/22 ) I called again and received the same answer but with attitude. I was told I did receive an email on XX/XX/22 detailing this when, in reality, it was only the email confirming I was approved and getting my card. So, I waited until early this morning ( XX/XX/22 ), I received an email saying theyve closed my account because they couldnt verify my identity ( 4th attachment ). I called to verify only to be told what was in the email and that I couldnt reopen I am confused and frustrated. I just want to build my credit with light purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On  XXXX / XXXX / 17  I activated the mobile application "  XXXX  '' on my cellphone, in order to use this app it requires information from my Bank Of America checking account to be released. It is now  XXXX / XXXX / 17  and Bank of America has not cooperated with my request to release the information to "  XXXX  ''.

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 2022-08-29
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2016-04-11
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card
Issue: Transaction issue

Complaint:
I would like assistance in disputing the following charges {$7900.00} made on XXXX paid to XXXX XXXX XXXX and {$7400.00} made on XXXX paid to XXXX. These are XXXX companies who contacted us after we purchased what we thought was a legitimate online, home business. XXXX XXXX XXXX was supposed set up a business entity, create a custom business plan, corporate credit building and training. They did not provide the services that we purchased other than setting up the XXXX and submitting the wrong information to XXXX XXXX XXXX. This company took advantage of us by price gouging us for services we did n't need and did n't even deliver. XXXX was supposed to do social media pages, XXXX marketing and product sourcing. They sent us an awful XXXX sample video. Bottomline is we have been taken by these companies and would like Chase to help us obtain a refund of the money that they have unjustly received. I think based on the time that has lapsed, these guys are never going to deliver and at this point it is clear that they were not going to in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Student Loan Debt Agency
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I enrolled in student loan debt agency program and the down-payment was {$650.00} dollars They told me that after the program was completed that my loan would be forgiven and my payments would be consolidated to increments of {$20.00} dollars a month for next 20 years So I have not heard anything from them in months nothing in the mail stated that have completed the program I even tried calling them and their number changed The number was XXXX XXXX and guy name XXXX XXXX was handling my case

Company response to consumer: Untimely response