BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-05
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase bank is holding my only funds without any reasoning. If they would have told me that they were holding my check I would have deposited in another bank that would allow me to access my funds. Every time I call to inquire about my funds still not being available the tell me different things just to get me off the phone. The first customer care agent misinformed me that my funds would be available in two days and that the time stamp on receipt was just generic date. the second person informed me that checks are placed on hold after deposit and basically told me have a nice day. It doesn't make sense that I have to go sell blood to put gas in my car when I have XXXX in my bank account. I will never be submitting large amounts with this bank again because of this grave inconvenience not only for me but my family as well. I would like to get my check back so I can put it in a real bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I informed Chase bank that in late XX/XX/2023, My debit cards was left at the XXXX XXXX while I was flying out of the state to XXXX, XXXX. I was out of town for a week with my book bag being left at the airport. My bag included my social security card, my pin card, computer, and phone. I believed originally that my bag was left at the airport, but when I returned a week later to the lost and found, I found numerous charges on my personal and business debit cards. I contacted chase multiple times to dispute the issue and open claims. I sent in my flight itinerary multiple times, but Chase has continued to decline my claims without any evidence or further resolution of my dispute even though these charges were done fraudulently. I again did send in my flight itinerary showing that I was not in town at the time of these transactions and it was impossible for me to have me them. 

Business Name : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX Personal Name : XXXX XXXX Chase Personal - Claim XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
BB & T Bank located at XXXX XXXX XXXX, XXXX, PA XXXX utilizes the same double-dipping scheme to harvest junk fees that XXXX XXXX XXXXXXXX was just fined {$100.00} XXXX dollars for and should be investigated immediately. On XX/XX/2018, I submitted a complaint to BB & T via email as I was excessively charged overdraft fees because my job delayed my direct deposit for one day, which was out of my control. BB & T illegally double dipped on the overdraft fee and refused to refund it. The illegal excessive fees resulted in my account balance dropping to - {$96.00}. I was in need of medical attention and was unable to see a doctor because of the illegal excessive fees. I stated I would close my account if they do not at least refund the second excessive charge, and they still refused to refund the illegal fee. When I drove to the location to close my account, they refused to close my 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 explanation
Consumer complaint received 2022-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I bought out my leased vehicle last year and the dealership that I went through XXXX of XXXX XXXX used capital one banking for the loan. Neither the XXXX dealership or Capital one bank ever mentioned setting up any form of payment so to my knowledge my payments were still on auto pay through the dealer as I was never informed otherwise. I have like I said never received any form of contact by the bank either by mail, email, phonecall, not even a welcome letter. Fast forward I Come to find out I was 50 days past my payment due date and only found out because I received a credit report saying so. Mind you Capital One has yet to contact me. Nor the dealership even after 50 days of being late.. To my knowledge my payments were being paid automatically. I Immediately paid the total fees upon finding out and filed a dispute with Captial one sending them two letters and a fax addressing the issue a little over a month ago and still haven't heard from them. This is complete negligence. Pure unprofessional malicious Neglect. This company should be held accountable. I even filmed the entire conversation with XXXX when I bought the car and was only told when my first payment was due nothing else. No setting up of payments or anything. No contact even as of now from either the bank or the dealer. Am I missing something here?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: OR
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 checked my credit report just because I don't usually and found that someone has used my information to open accounts for years! I tried calling the crditors I am being given a run a round, nobody is willing to help me even though my identity was compromised.. once at XXXX, and once at XXXX, I have received confirmation from both of these companies that my credit profile was compromised. In short my credit is all messed up.. I figured I was just using cash and had no credit and here I am with a whole bunch of accounts I never had anything to do with???!? 
These accounts are listed on my XXXX credit report APPLIED BANK ACCOUNT NUMBER XXXX XXXX {$430.00} limit {$300.00} 60 DAYS PAST DUE XXXX XXXX XXXX opened XXXX XXXX, XXXX XXXX  {$300.00} XXXX CHARGED OFF XXXX XXXXXXXX {$420.00} XXXX XXXX XXXX XX/XX/XXXX opened {$300.00} limit charged off as bad debt XXXX XXXX XXXX  6 late payments XXXX XX/XX/XXXX opened XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX, XXXX date opened XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  {$2600.00} XXXX XX/XX/XXXX date opened XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX date opened {$420.00} balance XXXX XXXXOriginal creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$620.00} XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$330.00} Experian Balance {$680.00} Opened XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$300.00} XXXX XXXX XXXX  {$2600.00} XXXX XX/XX/XXXX opened XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX XX/XX/XXXX opened XXXX XXXX XXXX XXXX XX/XX/XXXX open {$620.00} XXXX XXXX XXXXOriginal creditor : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Balance XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX -- Revolving XXXX XXXX, XXXX Open not more than three payments past due XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXOpen Account XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXOpen Account XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Closed Charge-off XX/XX/XXXX 2021

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 2023-09-30
Company: National Credit Systems,Inc.
State: NY
Product: Credit reporting 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 XXXX XXXX with new & updated information about my previous complaint XXXX. National Credit Systems , Inc. has not only failed to comply with the FDCPA but has also failed to comply with the FCRA as well by report-ing an alleged account that has not been properly verified- ( sworn under oath ) pursuant to 28 USC 1746. I am demanding that all reporting to all consumer reporting agencies- ( XXXX XXXX XXXX XXXX XXXX ) cease immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX I opened a premier checking account at HSBC. One of the terms of this offer was that if I receive direct deposits of XXXX dollars a month for three straight months, I receive a XXXX dollar bonus. I did, in fact, receive such direct deposits on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I reached out several times via chat to HSBC employees and they said I would be receiving the bonus shortly. This never happened. Finally a query was opened by the company. The query is XXXX. The results of the query were that I was not entitled to the bonus because " As I see the monthly deposit from your employer was credited as Cash Concentration not Direct Deposit. 

The eligibility of the offer should be a Direct Deposit from your employer. 

We don't accepts Cash Concentration deposit as Direct Deposit,  that's the reason you are not eligible for the offer. '' This is made up jargon that does not pertain to me and was not delineated in the initial offer. 

I am hopeful that you can help clear this up for me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Climb Credit Inc.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
There is 2 diffrent school and issues are similar, in 2021 XXXX i started cource with " XXXX XXXX " XXXX XXXX XXXX XXXX but for some reason i have to dis continue and end of paying full amount what they asked, but in tthe mean while one of the sales represantative reach out to me and i purchased another cource from him and he promised that he is going to refund for previous course which " XXXX XXXX XXXX XXXX '' later on they provide me a documents that they refunded full amount but climb bank ( student loan servicer satate that they didn't receive any amount, and they are charging me evry month. 
so i need a help with this, when i call the bank they are keep saying your school need to reach out to us, and when i talk to school they state i have to deal with the bank, so far i need a help with my refund and wants to know who is right and who is wrong?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: PHH Mortgage Services Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Spent 1/2 hour on the line with PHH Mortgage and my new lender XXXX XXXX XXXX and after EXHAUSTIVE verification that it was me, they STILL refused to share required information. They demanded the request be made IN WRITING and require 7-10 business days to authorize the communication with the new lender. Spoke to XXXX employee ID XXXX and then to supervisor XXXX employee ID XXXX who stated loans for properties in Iowa, North Carolina, Vermont, or Texas, Home Equity Lines of Credit or HUD loans needed to submit requests in writing. My loan fall under NONE of these categories.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Transunion is reporting inaccurate information on my credit report. Under Time days late it states XXXX, under amount past due its states XXXX balance. All this states the fact that there was never a late payment however under worst payment history it states 120 days late. This information is incorrect and not accurate which is a violation of my rights under the FCRA.

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 2020-08-19
Company: Rocket Mortgage, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On or about XX/XX/2020, I phoned quicken loans to discuss refinancing my mortgage. I wanted some ballpark figures, as I'm comparing offers from lenders. As I was speaking to the agent, XXXX XXXX, he said he needed to verify some information in my credit report, and asked for my birthday and social security number. I told him I did not want my credit pulled. He responded that he had already pulled my credit and wanted to verify information. Because I believed my credit had already been pulled ( based on XXXX XXXX representation of same ), I continued discussing the refinance with him. 

I then received multiple alters of the credit pull from credit monitoring systems I use. I believe my credit was pulled in error and want Quicken loans to delete the pull entry so it disappears on my credit report. 

I contacted Quicken Loans and they refused to correct my credit report. They claim to have a recording of my call but refused my multiple requests to receive a copy of the recording.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Exeter Finance Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
This is XXXX XXXX XXXX, I filed for Bankruptcy on XX/XX/2023. Im receiving harassment letters from Exeter Finance LLC. Im requesting this company to cease & stop contacting me about a debt I dont owe. Im in pre litigation with XXXX. In the court case or arbitration meeting all matters will be resolved and addressed by my attorney. An automatic stay has been ordered by the petition filing of my bankruptcy. If Exeter Finance LLC continues to contact me I will file harassment charges and a lawsuit against this company. Im not 100 % sure of the contract I signed with Exeter Finance LLC because my signature has been forged on the retail purchase agreement. I have talked with new legal counsel and I will be adding new legal counsel to start the lawsuit and arbitration process against XXXX and Exeter Finance LLC for breach of contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX the check I wrote to pay {$750.00} for my child 's daycare deposit was debited from my XXXX  XXXX XXXX account to the payee 's Wells Fargo account. On XX/XX/XXXX Wells Fargo returned the check to my child 's daycare and charged them a returned check fee of {$12.00} for reason " Refer to Maker ''. I had sufficient funds in my account to cover the check and the {$750.00} was debited from my account and has never been credited back to my account. I've called XXXX twice now and they confirm that the check was cashed by Wells Fargo. The daycare has spoken with Wells Fargo who confirms the check bounced. I also called Wells Fargo who wouldn't assist me as I don't have an account with them. Neither bank will assist in resolving this matter and finding out which one has the {$750.00}. There is an error with either Wells Fargo or XXXX XXXX XXXX and I can't find out which one it is. Attached are the check 's image and details from my XXXX checking account showing it cleared and the check image and details from the daycare 's Wells Fargo 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 explanation
Consumer complaint received 2018-01-22
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt is repeatedly forwarded to me for payment. It is NOT mine. It clearly belongs to another consumer who has obviously made payments on the original amount of {$440.00}, down to {$250.00}. I have repeatedly asked that they inquire about who has made the previous payment on the debt. This will validate the that the owner is not me. I have had no interaction with this facility since 1991.

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 2023-02-27
Company: The CMI Group, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received mail from this so called place named Credit managements L.P. They stated that they are debt collectors and that I owe money to another company. I know in fact that I dont because Ive never had anything to do with this company they are stating that I owe money to. Ive read countless amounts of reviews on XXXX stating these people either scammed them out of their money or tried to by saying they owed money when they really didnt. Ive called but they constantly hang up. Im not even sure how this mail got to me because they spelled my entire name wrong. Either way this place is a scam and I do not owe anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09
Company: JPMORGAN CHASE & CO.
State: TN
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:
Im not sure at this time but let 's call it 15 years ago. My credit card info got stolen. Alot of charges took place on my name. Fast forward now my paychecks are garnished XXXX per week. I cant live on whats left. Not after since the pandemic. Im just starting to catch up now this happens. Im ruinined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: CITIBANK, N.A.
State: GA
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:
CFPB Case # XXXX Citi XXXX XXXX - CreditCard This letter is followup to the above case, it is relevant because this case is new since Citi just place the changes on XX/XX/XXXX. In XXXX Citibank entered delinquencies on my credit card account, even though the account was involved in fraud. Citibank had incorrectly changed my billing and email addresses. They sent my billing statements with {$20.00} due to the wrong address ( in another state ) for 4 months. When I finally received the bill I immediately paid the {$20.00}. They also billed me {$150.00} in overdue charges and fees. After much discussion one group dropped the charges but another sent in 3 - 6 months delinquencies on my account. This amounted to my credit rating being dropped over 70 points and the marks against me being on my credit record for 7 years. 

After receiving correspondence from the CFPB, Citibank rectified the issue and on XX/XX/XXXX the credit Bureaus corrected the problem. My credit rating raised to over 800 ( Excellent ) - which is what it had been for years. 

On XX/XX/XXXX Citibank resubmitted the original false delinquencies to the bureaus and my credit rating was reversed to the 700 's ( good ). XXXX  reviewed my file and the letters from Citibank to remove the delinquencies. They contacted Citibank and Citibank again refuses to correct the problem. 

Please help. I need next steps. Do I have recourse?

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 2022-03-14
Company: AmeriCollect
State: CA
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: Problem with personal statement of dispute

Complaint:
I got admitted into the hospital of XXXX XXXX  in XXXX Nv. When the insurance paid my portion of the bill the was a remaining balance to be Paid the original balance was {$1400.00} and I was making payments for 3 months and they stopped billing me and sent it to collections with my notice and ruined my credit rating I had a sore of XXXX and now its XXXX from one occurrence and no notice it was going to collections so what I would like to happen to finishing paying my bill and have the negative credit score on my file and to get my score back. Americollect should have not done this it shows I have a balance of {$790.00} but they didnt give me the opportunity to finish paying it back, what they did was dishonest!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: ONLINE Information Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
All of a sudden on my credit report a company called online collections showed up recently Ive never heard of them or the people they represent I have asked him three times to send me the dispute form and they have not and I asked them to pull it off my credit report while they are investigating because obviously they have the wrong person because I said I cant even prove I wasnt even in the same state where theyre saying the charges were incurred on the day that they were saying they were in XXXX so I was halfway across the country and yet they wont pull it off my credit report and Ive tried to reason with these people but they are beyond reason I mean I cant understand putting something negative on your credit report if it in fact is yours but its not mine and they wont even pull it off while that Im disputing it and they still havent sent me the form ...

Company response to consumer: Closed with non-monetary relief