BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I just experienced the most terrifying banking transaction of my life. I visited my local Chase branch at XXXX, TX around XXXX CST on XX/XX/2017 to make a cash deposit at the ATM. I needed to deposit XXXX XXXX dollar bills. I researched online and checked the website and there was no indication of any denomination restrictions. There was n't really any information explaining how cash deposits work at the ATM 's period. Once I arrived and choose cash deposit, it said to deposit up to XXXX bills. I counted out XXXX XXXX dollar bills and inserted it into the slot. The machine started processing, then said " could not be read ''. The machine then started making noise like it was going to give the money back. Then the door closed and the screen said the machine had a technical issue, call this number. The cash door kept opening and closing, the machine kept making noise. I received no receipt or confirmation that any transaction had taken place. At this point I am officially panicked. I call the customer service line and document my issue. They assure me this will be taken care of. I call the XXXX Police Department to file a report and they say there is nothing they can do. I am absolutely terrified, my money is in limbo. The machine could be spraying my money out on the ground as I write this and I would have no proof that I even put the money in. I do n't know what to do, I feel like there should be protections in place to prevent something like this from happening. I think people should be aware, ATM 's that take cash deposits are not safe. They are going to conduct an internal investigation, which means they have complete control of the logs and evidence like camera footage. I am completely at their mercy at this point. I researched other people that have had this issue and in some cases Chase has determined that the money was never deposited. At this point I have technically been robbed of {$3000.00} by Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-30
Company: CCS Financial Services, Inc.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX, XXXX 2019 I received a letter in the mail from " Credit Collections Services '' stating that I owe {$530.00} for an unpaid bill from XXXX. The letter was dated to XX/XX/2019. I can confidently say I have no used XXXX within the past XXXX years. I immediately checked my XXXX account to see if I had any collection inquires. Nothing was reported as of XX/XX/XXXX. I called the number that the Credit Collection Services provided to me, they asked me various personal questions they should have had, including my name and address. I asked them if I could make a payment, and continued to ask them what the date on the collection was from. They said XX/XX/2019. I asked them what the bill was for, they said they could not disclose it. I asked them what was the address of the XXXX location in which I had a bill from. They were not aware of this address. Their website is also an unsecure website. I am aware of the recent breach in security in XXXX and do not want this to happen to anybody else.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Checked XX/XX/2020 monthly credit report and noticed that the following company has included deragotory info on credit file I have no knowledge of the company, debt amount reasons for debt Need origination of company, -What -When -Why -How Southwest Credit System XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX amount {$68.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
A few years ago- I applied for a Care Credit Card. I do not dispute the fact that I used the services, however it appears that no matter how much I pay per month my balance neber goes down. The terms of this agreement was never made clear to me at the time I applied for this card. My history indicates payments made but it also indicates it is never enough. Not even when I make payments of {$300.00} a month. I was recently told that I had late fees when I am actually paying before the due date of the XXXX and it still appears that the money doesn't apply for that month. This Company is a loan shark and today I was told I am paying at least {$97.00} a month just for interest. And have been charged this amount for quite some time. At this rate I can never pay this card off. I haven't used this card in nearly 2 years, been making payments and still habe a Balance of nearly {$4500.00} and never even used this much in services. I nerd assistance in settling and closing this account once and for all. This is unbelievable and causes nothing more than total stress to the person possessing this Care Credit Card. The way this Company operates is not made clear when the application is completed.

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 2021-08-06
Company: EQUIFAX, INC.
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:
Ive been disputing with Equifax and am so concerned about their data breach affecting my personal information. There are inquiries for which have yet to be verified for which Ive been asking for them to be verified. None of them can be verified or has been. FCRA and The Comprehensive Credit Act of 2020 section 401 have stated these should not be on my credit files especially with no contract agreements to substantiate the inquiries. There are 2 XXXX XXXX inquiries from the same month that definitely should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a Mortgage Contract with United Wholesale Mortgage, I called them and told that I had lost my job of 7 years and that I would like if I could get a forbearance on my mortgage so I could find a job and not struggle making my payments. They told me that they couldnt help me because it wasnt COVID related. I dont want to miss a payment and get backed up and my credit go bad. Unemployment only pays so much and I wont be able to make my payments just solely on what Ill be receiving on unemployment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I recently saw an article about the Consumer Financial Protection Bureau in XXXX. It brought to mind something that has been bothering me a very long time. I 'm guessing there might be some statute of limitations issues or something, but I thought I would pass it on just in case there might be something I could still do about it. 

Several years ago I got a XXXX envelope from Washington Mutual Bank, the lending institution that held my primary mortgage at the time. According to the letter inside, the bank wanted to reward me for being a loyal customer by lowering my interest rate by a quarter percent. I called the number that was referenced and asked what the catch was. I was told there is no catch and there would be no cost or appraisal involved. They said they would send someone over to our house to sign the paperwork and that 's all there was to it. I asked why they were doing this and they simply said that they appreciate their good customers that paid on time and they wanted to offer this in return. 

What the bank DID N'T mention was that the government had just initiated the HARP program. It was new and had not yet been widely advertised so I was n't aware of it. I only found out after I had renegotiated my loan that 1 ) I could have likely gotten a MUCH better interest rate, and 2 ) after obtaining this " gift '' of a new loan, I no longer qualified for HARP. 

Again, I know a lot of time has passed, but I have never stopped being angry at this underhanded, deceptive scheme by Washington Mutual to trick me into this. If there 's anything that can be done at this point, I would be very happy to cooperate in any way necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report

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 2018-05-21
Company: Navient Solutions, LLC.
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:
The account for XXXX was paid in full on XX/XX/2018 and disputed with Navient. The account is closed and they once again added it to my credit file causing my score to drop 10 points. 

This was disputed and they are intentionally trying to ruin my credit. 

Account ending in XXXX. I have sent emails and they continuously do this. I am very upset. How can they continuously get away with this..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2018 I received an email notice from XXXX  that my score had dropped drastically, so I checked the site and found that my 29+ year old credit card with JCPenney had been closed by JCPenney . I submitted an email to JC Penney 's customer service which responded that it was unavailable so my inquiry was rejected. I called JC Penney customer service at XXXX. The CS agent could not find my account ; asked my address ; phone number ; etc., telling me that none of my information matched any of their records. I asked how could I have paid their bills for the last 27 years that I have been at this address, if they had not sent my bills to this address. CS agent had no answer. I further asked how they could close the account without giving me any notice or reason. The CS said they did give me notice, but would not/could not tell me when/where the notice was sent. Instead, I was then told that I had to go to a physical store with photo ID to prove who I was before they coud talk to me. That ended the conversation.

I've always paid the credit card on time, never late. I never received any notice regarding this card being closed. I want to know why, after almost 30 years of having/using a JC Penney credit card in good standing, it was closed WITHOUT any notice. This single act of closing my oldest credit card has dropped my credit score significantly.

This is happening to my over XXXX year old friends as well. We have long standing store cards that are being closed after becoming " managed '' by XXXX XXXX Those that do receive a notice are told they do not meet the lender 's criteria any longer.

I see a pattern of age discrimination because we 1 ) pay our bills so the lender doesn't get those late charges from resposible card holders and 2 ) by closing out old, long-term accounts, it drops credit ratings on the elderly so the lender can charge higher rates.

Punish people for being fiscally responsible.

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 2019-09-30
Company: EQUIFAX, INC.
State: MA
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:
There are four accounts being reported incorrectly on my credit report, the first account is XXXX XXXX XXXX, the second account is XXXX XXXX, the third account is XXXX/XXXX XXXX XXXX, the fourth account is XXXX XXXX. Please delete the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: ACIMA CREDIT, LLC
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I financed some furniture through Acima credit and they tried to hijack my checking account and have hijacked my credit report. They initially altered the terms of my original contract without my consent and increased the agreed upon billing amount from {$40.00} per week to {$170.00} per month. After several arguments about this over the phone where a representative tried to convince me that this is what I had agreed to, I requested a copy of the contract and was repeatedly denied a copy of this. Meanwhile, I received several phone calls daily from various unidentifiable phone numbers from people who identified themselves as representatives of Acima demanding bank account information or debit card information to resume payments. I made these people aware that I do not disclose this information to anyone for any reason and requested that a copy of a billing statement be mailed to me. They once again repeatedly refused claiming that they were a paperless company. I made several attempts to remedy the situation over the phone and was even denied a physical address where I could remit payment without having to provide information over the phone. This went on for several months. The entire time Acima has reported negatively to all three credit bureaus about this account while refusing to bill me or accept payment in any form other than over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX I applied for a Lowes Credit card at the time of applying my credit score was XXXX no lower then XXXX and Lowes approved me for a credit card in the amount of {$500.00} dollars I have since then paid my bill on time and had a balance of {$120.00} dollars. On XX/XX/XXXX I received a letter from Lowes stating they were closing my account immediately for having a low score. I called and spoke to a representative who stated yes my account was closed and I will be reported to the credit bureau immediately and did not give any further information in regards to my concern. In XX/XX/XXXX I was released from bankruptcy and my credit had no existing marks or denials, at this time I had to improve my credit score. I have two other credit cards that I have been approved for and have not experienced this concern, I feel I am a victim of discrimination! when Lowes who approved me for the credit card in XX/XX/XXXX new what my score was and approved me for credit at the time and for 3 months I was not contacted nor sent any information concerning this issue. This issue has effected my credit score including the derogatory remark that has been added to my report. I am trying to refinance and I am looking forward to buying another home since I have been in my home for over 15 years. I am a XXXX XXXX man who is being held back when I should have the opportunity to move forward seeking a quality of life towards social growth. Please help!

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 2017-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XXXX XXXX, 2017 I contacted Bank of America regarding debit card fraud on my account. My debit card and licenses were both lost and found or blantely stolen. The thefts were able to deposit three checks, one worth {$1000.00}, {$360.00}, and {$330.00}. Before this i only had {$620.00} in my account originally, the users withdrew all of what they deposited plus my {$620.00}. I contacted XXXX when i realized the activity on my account and reported fraud and for them to turn my card off immediately. They basically told me they could refund me about {$76.00} the following day for the minor chargers however for the larger charges It would take them some time to investigate so on so forth. They also told me they were sending me a new card. The following day they did credit {$76.00} into my account like promised. On Monday XXXX XXXX, my friend transferred {$490.00} into my account. I checked my online banking account and saw my account was in the negatives by {$390.00}. I contacted XXXX immediately to see what the issue was considering i dont have a card and I havent written any checks nor touched my account so I was confused. They essentially told me that those chargers were covering the fraud checks that were deposited into my account although I filed a claim against those on Friday in addition to whoever was handling my claim then, told me that the checks didnt even clear into my account and It would just take a few business days for them to refund my {$620.00}. Today they told me It would take 60 days and now my account stands at - {$1300.00} for checks that i did not write or authorize.

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 2019-09-30
Company: AMERICAN EXPRESS COMPANY
State: DC
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:
In XX/XX/2019, My XXXX XXXX XXXX credit card promotion was to expire, so I went online searching for 0 % balance transfers and 0 % APR. American Express via XXXX, had just that. I applied, received the card, and on my 1st bill, I was charged a Balance transfer fee of {$89.00}. I called Amex several times to no avail. The humanbots seemed to be reading from a different script from what I read and understood on XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-07
Company: JPMORGAN CHASE & CO.
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: Investigation took more than 30 days

Complaint:
I sent a letter to Chase to provide me with debt validation and they never responded to my request

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Late fee

Complaint:
So I had an Amazon credit card with chase. Apparently, once you acquire an Amazon card it becomes your default card when you purchase. I made a purchase on the card unknowingly of course so I was late 40 days, which I paid the remaining balance today. I proceeded to ask Chase as to why did no one call me? Their response was well you were late in XXXX for an amount of 8 dollars, which I paid as soon I learned about. Oh we sent an email, they said. To which I replied, brother I have been a loyal customer barely used the card and when I use it I pay it off. Why would you not call me instead of ruining my credit? If you are able to use predictive analysis to know if I am shopping outside my area so Chase does n't loose money why does n't Chase call me? It must be better to charge me the 50 bucks on late fees and ruin my credit so they can charge a higher interest rate. To add insult to injury I was told by various representatives that Chase is not responsible for calling their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
The entire balance and debt I owed Bank of America was discharged under Chapter XXXX by the United States District Court-District of Minnesota on XX/XX/2020. Bank of America received a copy of my bankruptcy discharge notice. Bank of America is violating The Equal Credit Opportunity Act ( ECOA ) by discriminating against me, by not allowing me to open up a Bank of America checking account.

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 2019-09-30
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient reduced my automatic payment on there own without notifying me. When I called up they told me I did it myself which I didnt, then they said it was because I paid off one of my loans. The only loan that was paid off was done in 2015. They reduced my payment a few months ago. So it was not this either. They were unable to tell me why they reduced this payment. The end result they switched my payment back to what I had set up. If I did not catch this it would have prolonged my debt by years significantly increasing the amount of interest I would have to pay to Navient. When I asked to file a formal complaint I was told I could not do so. They annotated my account and that is it. I wanted to report this because I want to make sure Navient is not doing this to others.

Company response to consumer: Closed with explanation