BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-30
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
We received ( XXXX $ ) on our bank account in the ( XXXX XXXX ) in XXXX and the payment was from XXXX through ( XXXX XXXX XXXX ) on XX/XX/2019 but the payment was suspended from execution and an inquiry was sent to the correspondent bank J.p. Morgan chase bank N.A., New York on XXXX XXXX, XXXX Due to lack of response within the specific period the transfer in the amount of XXXX USD under reference XXXX was returned to the correspondent bank on XXXX XXXX but unfortunately the account in the XXXX XXXX XXXX is closed And Yet both XXXX bank and XXXX bank refused to do anything so what would we do in this case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received this email from Ally Bank on XX/XX/2023 : We restricted your accounts because we detected suspicious activity on XX/XX/2023. 
You may not be able to log in or transfer money out of your accounts. 
Call our loss prevention line at XXXX for help with your accounts. Were available Monday through Friday from XXXX XXXX  XXXX XXXX  ET and on weekends from XXXX XXXX XXXX XXXX ET. 
-- -- -- -- -- -- -- -- -- -- -- -- -- - I called and a representative asked me questions about my recently opening a new account ( I am recently divorced ) and the " purpose '' of the account. I answered all their questions. The representative told me my account would continue to be locked and that my funds ( $ XXXX ) would be unavailable to me while they perform their investigation. They would not tell me why or how long the investigation would take. I have no access to my money now and I don't know when I will regain access to it. 

On top of denying access to my funds, I was also treated with disrespect. The representative I spoke to at Ally Bank treated my like some sort of criminal. He offered no explanation and no apology either.

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 2021-07-09
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have problem with chime bank A unauthorized transaction made to my debit card and i didnt notice right away. Now on XX/XX/21 i filed a dispute telling them that the transaction unauthorized or fraud charge {$1500.00} but my claim was denied base on research no error Case close even my account was close My debit card info was compromise or stolen Claim id XXXX Date error reported XX/XX/21 Claim amount {$1500.00} Chime bank

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: Aargon Agency, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A representative from Argon debt collections reached out to me in order to notify me that I owe {$180.00} to XXXX XXXX XXXX for services at XXXX XXXX XXXX XXXX in XXXX ar. The rep shows services started on XXXX of XXXX, however I didn't move into that address until XXXX of XXXX. There is no possible way that I started service there.

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 2017-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX My son who is XXXX XXXX XXXX XXXX XXXX XXXX XXXX went into the Bank of America at XXXX XXXX XXXX XXXX XXXX Georgia XXXX to withdraw funds from his account. The teller XXXX XXXX XXXX XXXX and assistant branch XXXX XXXX XXXX XXXX XXXX told him " he could not withdraw the funds ", he would have to wait until the next day. The funds in question were available and did n't have any restrictions or holds on them. They were transferred to him from another bank of America account. An hour later I went back to the bank with him .The teller and assistant XXXX went back and forth about who actually said he could n't withdraw the funds. The assistant XXXX first told me it was policy, when I asked her what policy she said it was their policy. I explained to her that " any " policy they had, as an account holder I was entitled to see it. Then she stated she had to research his account and I explained her that 's the fraud department 's job not hers. Lastly she asked me XXXX times where did he get the money from which too was irrelevant. After XXXX minutes of me explaining to them their policies on deposits and withdrawals they gave him the money. 
When I spoke with XXXX XXXX who is the XXXX XXXX XXXX XXXX his explaination was he " did n't know what was on their hearts to make them racially profile '' my son. Neither the teller or the assistant XXXX were fired, suspended or transferred. They offered my son him XXXX as an apology. 
I have the entire encounter on video which I have shared with all parties involved.

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 2023-03-01
Company: TD BANK US HOLDING COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Navient services my repayment plans for the XXXX student loans I have. As best I can understand my repayments of this now nearly {$400000.00} student loan debt, I am in an income contingent plan for some loans, in an income based plan for others, and in an undefined ( to my knowledge ) repayment plan for still others. My total monthly payment for all loans is approximately {$880.00}, about a quarter of my monthly income from alimony and any self employment I can obtain. I am over XXXX XXXX XXXX, single, and struggle with every penny to pay for my health care and these student loans. Today, XXXX XXXX, XXXX I called Navient to ask for an explanation of the monthly {$67.00} charge labeled " unpaid fees '' on the paper bill I receive for the loans in the undefined repayment plan. Navient 's customer service rep XXXX stated that I will be charged {$67.00} every month as " unpaid fees '' until all my loans are paid off. XXXX stated that when I pay the {$67.00}, that amount gets distributed " somehow '' across my loans but could not tell me how much or for which loans. She further advised me not to pay this fee and said if I did not I would remain current if I paid {$810.00} each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
the state of Michigan and EXPERIAN are reporting inaccurately a case that has been closed! account on experian : XXXX show closed but with a comment of collection in XXXX XXXX and with a balance of {$30.00}, XXXX but i have proof enclosed that this case has been closed and the balance is {$0.00}!! I have even sent letter to experian to dispute already the issue back in XXXX! they clearly do not do their part to protect and verify our information properly and violate my rights! I have NOT given them written permission to put anything on my consumer report. 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. 15 USC 1681 a 4 speaks on a consumer right to privacy. 15 USC 1692 speaks further on a consumer right to individual Privacy. It is unlawful for the advertisement of any debt specially when it is INNACURATE they need to stop harassing me by reporting false information on my credit report. They have caused me severe harm and XXXX to me and my family!

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 2021-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Last month, I have opened up my first credit card from capital one. I have found out on my credit report that there has been another credit card ( capital one ) that someone else has been using for the past few years. I see someone else 's address and phone numbers on the credit, so I have just removed them now. I took a picture of it before I had deleted that person 's PO box address and phone numbers. The card that the other person has been using still has a balance of {$790.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: FL
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: Telerecovery Corporation
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I HAVE INSURANCE ... I WAS IN NETWORK ..NOT SURE WHY MY INSURANCE DIDNT COVER 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
Consumer complaint received 2019-05-31
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1 The primary borrower of the loan, XXXX XXXX died, XX/XX/XXXX, as was married to her at time of XXXX XXXX loan, but I never signed the Note and D of T, but I paid {$100000.00} down.balance of {$270000.00} for property worth $ XXXX 2 Property was fraudulent appraised in violation of XXXX XXXX regulations. 

3. OIG Dept of Treasury, XX/XX/XXXX REPORT determined that XXXX had a history of fraudulent loans. 

4. In XXXX closing, I re -- emphasize I never signed any waiver, deed of trust, or NOTE, which I shoiuld have " marital rights '' as I was the source of money. 

5. Appraisal company - appraiser - realtor - real estate company - closing attorney all licenses surrender, non renewal and out of business ... .both handling a XXXX and XXXX fraudulent sales on this property. 

6. XXXX was taken over by FDIC in XXXX, sold to XXXX, but FDIC transferred in XXXX to XXXX XXXX XXXX, and in XXXX, XXXX transferred to Nationstar XXXX 7. Nationstar has had poor policies, refused documents requested, employees in loss mitigation lied repeatedly, and finally in mid XXXX Nationstar XXXX XXXX and XXXX XXXX through XXXX XXXX, MGR CUSTOMER SERVICE agreed to file title claim, lender for defects resulting from loan. 

8. They ageed if I bought out the children of XXXX/first husband that Nationstar would file the title claim, since my wife died without a will. I did that and spent {$15000.00}. 

9. This would give me the property free and clear since we were defrauded by the appraisal, and the closing attorney, and that attorney was certified by XXXX XXXX XXXX, issuing the paid policy. 

10.At merger, Nationstar and XXXX XXXX , became XXXX XXXX , XX/XX/XXXX and now XXXX  XXXX XXXX , -- they took XXXX off the file, denied filling the title claim in bad faith negotations, and hired two more attorneys to come after me now

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have applied for a loan of XXXX and locked the rate at XXXX. We paid XXXX to do this. Chase came back and said we didnt qualify. I believe this occurred because the rate we locked was either a mistake or too low. Each time we asked a question we found out they didnt consider certain financial items we sent them. We dont know why. We Have significantly more assets and cash than what we were asking for. We asked for a supervisor XXXX, and he wouldnt even return calls or speak to me. He told my wife that we already sent your deposit back. We havent received it yet. I sent a nice email asking for help, and we received no response. We will likely lose the house now, and we have put down non refundable monies based on the agents discussions with us on the phone telling us we would qualify. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX WATER XXXX CT XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$1800.00} XXXX 'S XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX  XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX A XXXX XXXX Balance : {$650.00} ( Original Creditor : ) XXXX Balance : {$2200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: FL
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:
My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: EQUIFAX, INC.
State: NC
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:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: EQUIFAX, INC.
State: NV
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:
I was informed that my information was breeched. I was advised that I should get a credit monitoring service. Then I discovered a bills with XXXX XXXX XXXX, As of XX/XX/19 I discovered XXXX XXXX XXXX XXXX for amount of {$360.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian and XXXX credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2018-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
-XX/XX/XXXX an item was ordered by accident from XXXX  costing XXXX dollars. 
-- XX/XX/XXXX I received notice via e-mail that the item was ordered. On that same day I called XXXX and cancelled the order. 
-- XX/XX/XXXX item was delivered when I was at work. On that same day I called my credit card company and told them to hold payment because I cancelled the item and it showed up anyways. 
-- Not sure exact date but early XX/XX/XXXX I shipped item back to XXXX unopened. 
-- XX/XX/XXXX without me knowing XXXX disputed delivery because they did not receive or process return yet. 
-- XX/XX/XXXX XXXX received return. ( I have proof with attachment ) -- XX/XX/XXXX credit card company issued refund back to XXXX based on XX/XX/XXXX information. I was never told of this until I received bill in XX/XX/XXXX. 
-- Beginning of XX/XX/XXXX I received bill from credit card company with the XXXX charge on it. 
-- Early XX/XX/XXXX I have numerous calls with the credit card company and XXXX on this matter. Credit card company tells me they paid XXXX on XX/XX/XXXX and I have to pay XXXX dollars or be charged interest. When I talk to XXXX they tell me they have no record of refund on XX/XX/XXXX ( I have proof with attachment ), but they do agree that the item was returned. I call credit card company back and asked for some kind of confirmation number or proof they sent XXXX the money on XX/XX/XXXX so I can give to XXXX so they can track down the transaction. Credit card company tells me there is no proof they can give me. 

-- So the main thing I am trying to get is proof of the transaction from my credit card to XXXX on XX/XX/XXXX in the amount of XXXX so XXXX can possible track this transaction down and I can get a refund that I deserve. 

-- The credit card company is bank of America. 

-- I would greatly appreciate any help you can give me on this matter.

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