BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Amount of {$3400.00} was wire transferred out of my checking account on XXXX XXXX, XXXX. 
It was unauthorized and I do not know who the recepient of the money is. 
I contacted Chase on XXXX XXXX to claim this anauthorized wire transfer. 
Chase told me that they will investigate. 
1 week later, I was notified that they DENIED the claim. 
They explained that my wife 's mobile phone was used for this transaction, which is NOT TRUE. 
I asked for more information ( ie : exact time of the initiation of the wire transfer since it has to be done on computer, chase mobile banking does not allow user to add a recepient of the wire transfer. It has to be done using chase.com on a computer, last login time on any device using her ID, etc ), but they refused to provide any information other than my wife 's phone was used for this matter. 
The Chase wire transfer claim department is NOT TAKING FULL MEASURE TO SOLVE THIS PROBLEM. 
Now they concluded that this is indeed NOT A FRAUD.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-17
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I received a letter at the end of XXXX saying my account was on hold due to a problem with my address. My business performs real estate transactions and has always, since XXXX had a po box address. Apparently Chase suddenly decided this was an issue. 
I made multiple trips to the branch office in XXXX on the XXXX, XXXX and XXXX. The banker who tried to assist me could not even correctly upload the documents Chase was demanding to prove a brick and mortar address which my business does not have. Chase forced me to attach my home address to the business account which is incorrect. 
after many branch visits, calls to my personal banker ( I am a private client ) and many calls back and forth I was told the issue was resolved. Then on XX/XX/XXXX i received what appears to be a phishing notice telling me there was fraud on my account. I did not click but instead called Chase who told me my account was restricted.

after waiting over ten minutes i was disconnected, then I called again and after 84 minutes i was disconnected again, still with no way to resolve my issue. after another 57 minute call i was able to escalate to executive level customer service. They called back with a vm to say someone was looking into it. after another full week went by and 3 follow up calls to XXXX and a visit to my personal banker they finally called back to say there was some form that had to be filled out in the branch. I did this. At that time no one could still tell me if the account issue was resolved. Chase continued to bounce checks and return payments. I called again 3 or 4 more times trying to escalate. As of XX/XX/XXXX i finally got a call back from manager XXXX XXXX at XXXX est saying that the account was resolved. it is absolutely inexcusable the unnecessary and unwarranted damage they did to my reputation over an obscure federal ruling no one can tell me anything about. and even more unforgiveable that they allowed it to continue, not notifying me that there was an ongoing issue and refusing to return calls. 
I will never do business on any level with this institution again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: EQUIFAX, INC.
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:
On XX/XX/2022 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 being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This refers to several complaints to CFPB to which the company has given evasive responses, last of which was dated XX/XX/2021. 
The company not only had an obligation but also a legal duty to disclose the visitor policy. In fact, the company has now admitted that they did not disclose the visitor policy. Visitor policy is a " material fact '' that the creditor was required by California fraud law to disclose. Merely stating that they had " no obligation to disclose the visitor policy '' does absolve the company in any way. The company has " failed to disclose material facts '' and therefore committed fraud under California law. In its last response, the company has admitted that it committed fraud.

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 2021-04-14
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I bank with chime who is partnered with XXXX XXXX for chime users to use the atm services for free. I usually withdraw money there everyday after work from XXXX  fee free. On this particular day I decided to put {$620.00} on my account to pay bills and the ATM ended up eating my money. I have been in talks with both banks and the {$620.00} was recovered but my bank ( chime ) wont file a dispute because it doesnt show any money was deposited. Which is correct because the atm ate my money then gave me a receipt saying transaction can not be processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX keeps adding balances to my loan account. This is adversely affecting my credit score. I am currently in the process of financing and their frequent updates are detrimental to this process. XXXX  did not have my correct contact information and I was not notified when my loan was taken out of forbearance. 

I took out the loan in XX/XX/XXXX with XXXX XXXX for the amount of {$23000.00}, the school I attended was XXXX XXXX University in XXXX Georgia. XXXX refunded XXXX XXXX XXXX the amount of {$7700.00} on the date of XX/XX/XXXX. Then reducing my balance due to {$15000.00}. XXXX failed to provide me with the paper work showing my reduced loan balance that was due. XXXX failed to provide me with the paper work with my updated reduced interested rate, and they failed to update my account online ( XXXX ) reflecting this change to my account, my account never reflected the reduced balance, nor the reduced interest rate. XXXX has continuously charged me an illegal amount of interest and fees. I had to contact XXXX and provide them with my updated contact info only to be informed that my amount due is {$36000.00}. 

I have been paying on this loan since XX/XX/XXXX- XX/XX/XXXX ( view paperwork it is highlighted ). 
XXXX has been reporting incorrectly to the credit bureaus as FAILURE TO PAY. XXXX has been reporting the incorrect original balance of the loan. 
XXXX has reported the loan as closed/charged- off and has been continuously reporting false, fraudulent, incorrect information. 

Please view the paperwork I have attached. It will show the payment history over the life of the loan to XXXX as well as my credit report that has the incorrect balance and payment history remarks. 

I respectively ask that the dates from XX/XX/XXXX - XX/XX/XXXX be removed and set to current. I also want all loans older than 6 years off of my credit report, as that is more than the SOL ( statute of limitations ) for my state. I request this error be corrected ASAP ( AS SOON AS POSSIBLE ), as XXXX is doing illegal collecting and reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: JPMORGAN CHASE & CO.
State: CA
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:
I tried creating a dispute about an extra charge at a hotel for a service that I had already paid for and the dispute representative for Chase refused to open a dispute because she said it would costs Chase money to open that dispute and they would prefer to just not open it on their end and rather claim there is no dispute. 

The process of dispute resolutions at Chase is a joke and nothing like the process at XXXX or XXXX or any other bank which at least makes a good faith effort to resolve the issue. The process has been outsourced to the XXXX with a mandate to create as few disputes as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-22
Company: Kolter Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was trying to refinance my home via XXXX XXXX  and XXXX XXXX. Starting near the end of XX/XX/2021. I gave them permission to pull my credit. XXXX weeks and lots of lies later when the deal fell through, they pulled it again on XX/XX/XXXX. without my permission in a desperate attempt to come up with a deal with another company. This happened after I had severed ties with XXXX XXXX and XXXX XXXX  on or about XX/XX/2021 

When I was notified that another hard credit pull had been done from a company I didn't recognize, I contacted XXXX, XXXX and XXXX. I discovered that the pull had been initiated by XXXX XXXX. 

I tried with all three credit reporting agencies to get it removed and was informed that an 'in error ' letter had to be provided to XXXX by XXXX XXXXXXXX XXXX. Apparently XXXX XXXX acted as an agent for XXXX XXXX of XXXX XXXX and XXXX XXXX XXXX XXXX 

They have not provided me or XXXX or any of the credit reporting agencies with the requested letter. 

I now have a 'to many inquiries ' designation on my report and a credit denial from XXXX for a loan I had cancelled a week prior. 

XXXX XXXX repeatedly told me 'he was learning ' during the XXXX weeks we tried to do business with him. 

Apparently he hadn't learned that you have to get permission for each credit pull. I did not give him permission to do another hard pull on my credit. 

XXXX XXXX insists that hard credit pulls won't affect you XXXX XXXX because they're related to mortgages. XXXX XXXX insists that a 'denial ' won't affect your credit. Both do. 

They will stay on my report for at least 2 years. 

Happily, I have secured a mortgage through a credit union and the process went very smoothly. 

Run away from these guys unless you want to become an ugly learning experience for them especially XXXX because he really is incompetent to be doing this kind of work. XXXX XXXX is basically the gangster, bargain basement, used car salesman of the lending industry..

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: Global Lending Services LLC
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Auto was repossessed and sold.Although it was sold, we did not obtain any actual bill of the sale. According to a letter sent, it was sold for way less than it was worth. Also, we were letter told that the company whom we purchased the vehicle from, closed do to illegal dealings.I think it 's unfair to owe such a high balance, when we did n't get a actual bill of sale. The vehicle was almost paid off. I think it would be only fair that this negative impact, be deleted from both me and my wife credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Maximus Education, LLC dba Aidvantage
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
From 2005 forward I incurred student loan through XXXX University. When you are recruited you are told of all the jobs and career options you will have once you obtain your degree. I have yet to secure a job utilizing my degree and have incurred an abundance of student loans. I have been able to get a forbearance but that doesn't help because the balance is still there and my interest is still growing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: Navient Solutions, LLC.
State: DC
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:
Approximately X/XX/17 I noticed that my interest rate had been raised, and contacted Navient to discuss. They stated that my 1 % interest rate reduction awarded after 3 years of on time payments was being revoked due to a missed payment. I stated that I wanted to talk to a manager because I had signed up to change my direct withdrawal from one account to another, and had put money in both accounts to ensure it would be paid. Navient failed to withdraw money from either account. As I was on my honeymoon out of the country I did not check immediately if the payment had been withdrawn, but upon seeing this I called and immediately paid the amount due. I believe that the company has confusing, possibly intentionally confusing, approaches to setting up to move the withdrawals from one account to another, in order to trick customers into missing payments. The change in rate will cost me approx {$400.00} per year in the short term. I have been making on-time payments, without fail, for over ten years, and I believe I had set up the account to continue to withdraw from a new account. The representative came back from putting me on hold and told me that she could not let me speak to a manager, but instead had submitted my information to them, and that I would receive a " decision '' from management, within 10 days, by mail. I never received any letter or answer, and I continue to be charged the higher rate. During the whole period the company had bank information from both accounts, the old and the replacement account, but claimed that somehow I had not initiated the withdrawals from the new account. I believe that they are acting in bad faith and that furthermore they are being either sloppy or dishonest in promising to respond to my request to have the lower rate reinstated, and failing to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
HAVING PROBLEMS WITH TRANSUNION UNION CREDIT REPORTING AGENCY TO GET TO REMOVE INACCURATE INFORMATION THEY HAVE ME IN THEIR FILE AS XXXX XXXX XXXX XXXX, I HAVE SENT THEM MY ID 's WHICH SHOWS THAT I AM A XXXX, SO THERE FORE THEY ANY DEROGATORY INFORMATION, I AVE BEEN THROUGH THIS FOR TWO YEARS, I AM DEPENDING ON YOU TO HELP WITH THIS, NO MORE PHONY VERIFIED STATEMENTS FROM THEM.

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 2022-02-17
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I received a notice that a debt collector called FOX COLLECTION CENTER with an original creditor of XXXX XXXX XXXX TN has opened an account in my name. I have never been to this medical office. I called and spoke to their office manager and explained the situation and was told to contact the debt collector directly to have the account removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: EQUIFAX, INC.
State: WI
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:
Why is XXXX XXXX and EQUIFAX putting remarks on an account that has been closed for YEARS!? MY CURRENT DISPUTE IS FOR THE MISHANDLING AND REPORTING OF MY FORBEARANCE PLAN DURING COVID19. Why are you adding remarks to accounts that have nothing to do with my mortgage!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX used my info to apply for the credit card offeres based on my scores and it lowered my score I did not submit a credit for the capital one cred Cards

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Experian Information Solutions Inc.
State: DE
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:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXX - Balance - {$7900.00} XXXX XXXX XXXXBalance - Date opened XX/XX/XXXXXXXX XXXX XXXX  XXXX - Date opened XX/XX/XXXX XXXX XXXX XXXX- XXXX Balance - Date opened XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I sent several payments through Western Union for products that I ordered through a company that claimed it had agents around the world, but I never received the products. i contacted Western Union Risk departent on three occasions but not once did they answer. I could provide the MTCN for all the money i sent and perhaps western union could block the accounts and return jy money and since the accounts are strictly used for defrauding other people close the acounts but western union is NOT compliant and I have sent over {$10000.00} to these scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: Santander Consumer USA Holdings Inc.
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I had a vehicle loan with Santander since XXXX, the vehicle was repossessed in XX/XX/XXXX with no notice sent to me before or after. When I contacted the company I was told there was nothing I could do and the said they couldnt allow me to retrieve my personal property out of the vehicle due to state law. Ive sent several letters asking them to sent me a copy of the notices and validate the information they have because they say I still owe XXXX when the car was purchased for XXXX and Ive paid around XXXX on the vehicle, Santander will not respond to the letters and when I call they say they no longer have the info

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a credit card after i received solicitation in the mail for a Jet Blue credit card. I didn't sign up to receive this. Since i visit my grandmother more frequently and they offered flight incentive i thought i would give it a try, i was denied and tried to reach out to them again for reconsideration and non was given, My federal consumer rights were violated. i was discriminated against and received no equity from this transaction. I also believe that Barclays bank did not act in good faith by offering me something that i would be denied for when i had no interest in the first place. some how i was " preselected '', i didn't sign up for notifications from them. I believe it was because i was on a JetBlue flight returning home from visiting my grandmother. The adverse action has actually dropped my credit score and my privacy was infiltrated. I would like legal action to be taken and full payment for every violation made according to the federal consumer law.

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 2017-07-11
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient will only offer graduated payments which makes my student loan payments over {$2000.00} a month. I 'm a XXXX!! I 've explained to them many times we have nothing to live on, much less keep a roof over our head with a payment like that. I 've managed to keep it in hardship forbearance for several months now. A few months ago my student loan balance was XXXX, as of today it 's XXXX. I have not borrowed another cent since 2012. I 've tried to pay what I can on them, but XXXX a month is just too much on a XXXX 's salary. Besides, is there not a loan forgiveness program for XXXX at XXXX XXXX XXXX?? I asked and was bluntly told I was n't eligible even though I 've been at a XXXX XXXX XXXX  for 9 years! Please help!! These people are going to make me XXXX and homeless!

Company response to consumer: Closed with explanation