BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-17
Company: JPMORGAN CHASE & CO.
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/16 ( because it was a little after XXXX ) I checked my bank account to see if my direct deposit had posted and it had. I was checking throughout the evening because I had recently changed my direct deposit info with my job & the first pay cycle I received a check so I was looking to see if I was going to have to wait on another check the second pay cycle but luckily I did not. So throughout the entire day & evening of XXXX/XXXX/16 I was checking my account & saw no checking service fee or my check but around XXXX something in the morning XXXX/XXXX/16 my check had posted and the balance was {$870.00} & some cents but this morning XXXX/XXXX/16 around XXXX I check my balance ( I 'm a victim of skimming with Chase so I check my accounts often ) and it 's {$860.00} & some cents! Now I have n't bought anything or paid anything so I was wondering why my balance went down, I login to my account & low & behold Chase has put a service charge of {$12.00} posted for XXXX/XXXX/16 but it was n't there at all throughout the entire day of XXXX/XXXX/16 or the early morning of XXXX/XXXX/16 ( between XXXX or XXXX XXXX ) when my check posted to my account. XXXX of Chase policies for avoiding the {$12.00} service fee is if there is a {$500.00} or more direct deposit to your account, that 's the only reason why I changed my direct deposit to Chase, to avoid paying {$12.00} every month in service fees, that 's just a ridiculous amount to me! So Chase posted a back date for XXXX/XXXX/16 so they could charged my account the {$12.00} service fee! I called Chase to speak with a representative but he was no help at all, stating that the fee posted before my check although I 'm telling him that the fee was NOT there yesterday ( XXXX/XXXX/16 ) or before my check posted in the early morning of XXXX/XXXX/16 but again, he was no help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
My friend sent me some money two days ago via Chase XXXX. But they have n't shown up in my account after two days. So I called chase with number XXXX. One of Chase CS told me money was returned to the sender. So I informed sender, he called Chase then, and the answer he got from Chase is money has not been returned to his account. So I called Chase with same number again, Chase CS put me on the line for more half an hour while checking with other team behind, but end up telling me to call another team tomorrow morning XXXX Eastern time with number XXXX to resolve the issue. They do think there is some problem with the money but still have no idea what is going on. OK, I understand investigation takes time. But I just can not believe money would disappear in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My debit card was taken from me the beginning of this month and was used to make purchases and withdrawals that were unauthorized by me. When Chase Bank finally notified me of these transactions they assured me that my card was frozen and that I would be receiving a new XXXX in the mail. I come to find the next day that my card was still being used, this time to make online purchases and apparently someone called on my behalf and was able to reactivate my debit card over the phone. I do not believe the representative on the other line asked this person any type of security question because if they did this person would have never been able to obtain the information I provided for the security questions. Later on in that week I was mortified to find out that my bank account was suddenly in the negatives. My money was taken from me and replaced with fake checks that eventually bounced. These checks were forged with my name and I 'm still wondering how this person was able to deposit checks into my account without showing someone a proper form of identity since my ID is still in my possession. I made several claims after that regarding my checking and savings account and all the activity that transpired over a matter of just a few days. The representatives on the phone were rude and very unsympathetic and whenever I called to find out the status of the investigation no one could give me a straight answer which left me on the phone for over an hour. Chase also sent me emails claiming that they would temporarily refund me the money that was taken out of my account and that I had full access to this money until the investigation was over. Later on I came to realize that this was completely untrue, my account was in the process of being closed and that I had no access to it whatsoever. This left me penniless for weeks until I was able to receive my next paycheck from my job. This entire experience has been nothing but a nightmare

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-22
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Arbitration

Complaint:
*I read the below today on XXXX. Below is the copy and pasted article. This exact thing happened to me with the Credit Protector Benefits. They were grossly overstated, not honored, and changed around without my knowledge on several occasions with both my primary Citi Bank Credit Cards. This caused me to lose credit rating points and ultimately prematurely unable to pay back my obligations because of this. I complained in detail through other third party agencies in the past. How can I see assistance formally through your agency? I saved all the detailed XXXX and Citi bank records in case this very thing happened to others. I was supposed to have debt forgiveness and extension options as part of the credit protector, which Citi refused to honor. How can I file a claim as stated in the below article? 

Article taken today from XXXX ; describing my same concerns court outcome : '' Citibank ordered to pay customers {$700.00} XXXX : '' The federal government on Tuesday ordered Citibank to pay {$700.00} XXXX to customers it said had been overcharged by the bank. 
The Consumer Financial Protection Bureau also ordered the bank to pay {$35.00} XXXX in penalties associated to the overcharging and for the bank 's use of " deceptive marketing '' techniques. 
The bureau said that XXXX XXXX customers will be compensated in the pay out, which includes XXXX XXXX people overcharged directly by Citibank and another XXXX XXXX customers of the bank 's subsidiaries. 
Between at least XXXX and XXXX, Citibank -- which is owned by Citigroup ( C ) -- enrolled those customers in credit monitoring services or programs promising to defer payments or forgive debt in the event of job loss or another financial hardship. 
But the CFPB said when the bank signed people on to those programs, it misrepresented fees and overstated the benefits. It also used " leading questions '' and " construed ambiguous answers '' in telemarketing calls, according to the bureau. 
Citibank has already paid some customers back. " Affected customers will automatically receive a statement credit or check and those no longer with Citi who are eligible will be mailed a check, '' Citibank said in a statement Tuesday. 
The bank said in a statement that it " fully cooperated '' with the CFPB investigation and the first repayments went out in XXXX. The company added that it has set aside money for remaining paybacks. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-20
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I purchased merchandise from Macy's.com and paid using my Macy 's credit card. After inspecting the merchandise, I returned it, requesting a store credit. The return was made within the correct time frame. Instead of Macy 's issuing a complete refund, I recieved to gift cards in the mail equaling to that amount. I called them and requested that my account be refunded, and they said i should discard the gift cards as it was sent out by mistake and they will issue me a full refund. When the next billing cycle came, I saw that I still had a pending balance. I called the credit again and after XXXX hours on the phone with them, I was told that my balance was now {$0.00}. My bill just came in yesterday. And I have a {$75.00} balance. That was the amount of the second gift card which i no longer have. I tried speaking to many representatives with the credit card but to no avail. They refuse to remove the balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2016-12-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Making/receiving payments, sending money

Complaint:
XXXX XXXX CFPB Case number : XXXX ] ***** [ Chase XXXX # XXXX ] I previously submitted the above claim numbers. In this complaint I pasted the same information used the above referenced complaint. 

After careful review of the original claim I discovered that I only submitted a claim for the unauthorized transactions committed against the estate checking account and I mistakenly omitted the claim for unauthorized transactions committed against my sisters Estate savings account. I am now attaching the XXXX in-person unauthorized draft transactions Chase bank permitted an unauthorized person to sign checks, order checks, draft money in-person, establish ACH recurring payments from an Estate account. This person had NO authority from the Vermont probate court and also this person had no signature card on file. Also Chase bank allowed the previous XXXX to in-person draft large amounts of cash without any due process to the disposition of the funds. 
On XX/XX/XXXX I was appointed by the Vermont Probate court as the XXXX Estate XXXX for my sister who passed away XX/XX/XXXX Upon my sisters death the XXXX probate court appointed my Mother as the XXXX of my sisters XXXX and this is when the Chase estate account was established. From XX/XX/XXXX to XX/XX/XXXX my mother was in XXXX under total XXXX for almost the entire time until her death on XX/XX/XXXX and was unable to perform her duties as the XXXX. During this time many unauthorized transactions were performed and Chase permitted most of the incidents. Upon my appointment as XXXX on XX/XX/XXXX I went to a Chase banker to establish myself as the Newly appointed XXXX and in XX/XX/XXXX I was granted access to Estate account. During my initial meeting with the Chase banker we discovered multiple discrepancies and files the initial temporary claim. Since this time I submitted a full claim on each fraudulent item in the bank account and I am being denied the claim ( s ) based upon the date I filed the claim exceeded the Chase time window. How can I file a claim for something I did not have access to see? I did not know of the fraud until I was granted access to the account. Since them Chase has pulled back some of the temporary credits not all of them and will not give me a final decision on the remaining. I feel they are hiding behind the date / time period for submitting the claim and in this case I believe the time requirements should be waived so we can receive our returns and begin to deal with all of the fraud in this account. These fraudulent transaction by Chase representatives and my step father should have been prevented by Chase bank instead it looks like they were permitted by Chase bank. My family is torn apart with the death of my sister and a year later my mother and only to find Chase did not perform due diligence to protect my sisters assets.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-30
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a XXXX, retired ( 20 years ) XXXX XXXX. We had a home financed by Wells Fargo. Because of a tiny clause in our contract, which required us to pay Wells Fargo 5 % of the finance amount if we tried to refinance early, we were caught in the 2008 down turn in home prices. We lost our dream home. So they have dome much more harm than you think. 

Respectfully, XXXX & XXXX XXXX XXXX, GA

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 2022-10-28
Company: Experian Information Solutions Inc.
State: TX
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2016-08-19
Company: CITIBANK, N.A.
State: HI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up a CITIGOLD account using the offer code XXXX for XXXX XXXX XXXX miles around XXXX/XXXX/2016. I have complete the requirement to earn the reward, which is one bill pay in two consecutive months and make {$1000.00} in debit card purchases within 60-days as well. However, due to recent data points online that a lot people are receiving the indicated bonus, I contacted CITI, which they refused to honor the deal.

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 2016-06-07
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citibank held a promotion to give away XXXX XXXX miles for opening up a CitiGold checking account in which i did as long as i met the requirements of 2 bill payments and to spend {$1000.00} within the 60 days from when the account is opened with the promotional code ( which was XXXX ). i met those requirements and even confirmed with Citibank to make sure i met those requirements and to see if i was missing anything else. I was told that i met all requirements and that i shall be receiving my promotional offer no longer than XXXX/XXXX/2016. i have messaged Citibank numerous times, and even opened up cases where results have said that i will be given the promotional offer within 10 days and so but still yet nothing! Also my checking account requires $ XXXX monthly fee which is outrages. They are not keeping their words and i had no choice but to contact you guys. I hope you can help me solve this problem and if possible return some of the monthly fees i was charged for having to wait almost 2 months now.

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 2015-07-11
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: Sale of account

Complaint:
Hi cfpb, I am not responsible for this debt to Home Depot, why is it on my report? I never had a credit card with Home Depot, my husband and his son did in 2007 and my husband closed the account due to his son not paying for this card like he said he would. His son should be held responsible for it not my husband who is legally XXXX in 2007 and had to close this account. 
I never signed anything with Home Depot or anyone else for that credit card. Not mine and should be removed from my report. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-19
Company: JPMORGAN CHASE & CO.
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My wife and I were victims of bank fraud. Chase bank let a individual walk into there branches and cash forged checks with no I.D just my debit card. These checks had the wrong last name, some he signed with the wrong last name and the amount differed from the numerical and written amount. They are refusing to refund our money Couse I logged onto my account several times during the time this was going on.. When I logged onto my account all I look is at the balance and the times I logged on the balance was around were I thought it should be cause he was cashing these $ XXXX+ dollar fake checks with no I.D and letting him withdrawal {$3000.00} with no I.D.. He was keeping the balance around the same. Around three months later I found out the individual that stole my identity, was pulled over in XXXX XXXX XXXX and tried to show a fake I.D saying he was me. I then contacted the XXXX XXXX police department and notified them I wish to press charges. I told them I did know the person but have not talked to him in a long time I once considered him a friend but kicked him out of my house at a XXXX party and told him not to come back. I then notified chase bank immediately on who the individual was and where they could be contacted. they still denied my claim. during this process they said our account 's were frozen, but the let XXXX of my wife 's checks get deposited and XXXX of mine, along with a company expense check. I had to sell all my stuff to just feed my family and pay the rent. I was already struggling prior to that cause of emergency situations in the family. I believe Chase knows I can not afford a lawyer to sue I combed the XXXX XXXX looking for anyone help us but none will do it with out payment I simply can not afford it. I can barely pay my bills now and my credit is a XXXX times worse and I do n't know what to do. I filed police reports, identity thief reports, I tried everything. This guy used my name from XXXX to XXXX to XXXX to XXXX and even getting felony warrants out for my arrest in other states for check fraud when I was on XXXX XXXX XXXX XXXX here in XXXX. Chase then notified me via text message about a charge in XXXX asking if it was me 5 days it took them to notify me after he spent over {$10000.00} in cash withdrawal 's and debit purchases.We never had over {$3000.00} in 5 days I believe. I do n't know what to do.. 
Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Issue: Rewards

Complaint:
I received an email from Marriott on XX/XX/XXXX with an offer to spend {$50.00} at XXXX on my Marriott credit card and get a {$20.00} statement credit. I registered for the offer, then bought a {$50.00} XXXX XXXX gift card ( XXXX XXXX is a XXXX brand ). 
I sent a message to Chase ( the provider of the Marriott credit card ) on XX/XX/XXXX as I had n't received the statement credit. They advised I 'd have to wait 6-8 weeks for the statement credit. 
I still had n't received the statement credit after 8 weeks, so I messaged them on XX/XX/XXXX requesting the credit. Their first response was that I had to wait 6-8 weeks, so I responded that I had waited that long. Their next reply was that I would n't be receiving the statement credit because gift cards were excluded. 
I 'd carefully checked the terms and conditions of the offer before buying the {$50.00} gift card and there was no mention that gift cards were excluded, so I responded to Chase to advise them of this. They replied that there was an exclusion, I replied that there was n't, and so on for several messages. 
I 'll be attaching several documents as proof. The first is the email Marriott sent me which does n't mention a gift card exclusion ( Marriott email ). The second is a cached copy of the registration page for the offer which does n't mention an exclusion for gift cards ( Marriott XXXX Terms - 1 ) .The third is a copy of the terms and conditions for the offer which do n't mention an exclusion for gift cards ( Marriott XXXX Terms - 2 ). 
I 've also attached copies of my correspondence with Chase. As you 'll see, the bullet-point terms they list in their replies match the terms on the registration page and make no reference to gift cards being excluded. 
As there is clearly no exclusion for gift cards that customers were advised of, they should n't be adding these arbitrary exclusions when every single condition of the offer has been satisfied.

Company response to consumer: Closed with monetary relief