BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
So XX/XX/XXXX chase bank closed my account for suspicious activity.. 
I called and was told to go to branch to resolve issue..when I got to the branch a rep called their fraud department and I was told my account will be closed and I will receive my balance as a check in the mail after the account fully close in 10 days ... 

After 10+ days I called to check on my refund and was told that my account is under investigation I asked chase reps ( recorded convo for my own records ) if there is any specific transaction or details they need Im more than willing to assist. 

I was told the investigation was about my ACH {$500.00} & {$600.00} weekly deposits as they believe that funds is meant for someone else and not me I told the rep that that money was from my NYS unemployment benefits. 

I went to a local branch next day with my unemployment details including payment history with my name and last four of SS at the top. 
Branch manager & banker at location agree everything match and notified the fraud department. the documents were scanned and fax over to chase Rep over the phone accepted my proof and advised she will request for my funds to be released. 

Next morning I get a call from chase stating another department XXXX back office ) told them to hold off on releasing the funds until their investigation is complete however my proof will be taken into account..rep have no time frame.. 
Can be days, weeks, months or years. 

Fast forward I got a call from a rep from the executive office who said shell assist me in getting the funds released ... 

Few days later the rep left me a voicemail ( I have proof ) stating your funds have been approved for release and Im waiting on the final expense so I can send you a cashiers check I didnt hear back again so I followed up again with the executive office and was given a new rep name as my current file handler.

Yesterday I got another voicemail from this new person stating back office investigation is still ongoing so we can not release your funds & in addition theres no timeframe Now my concern is I start grad school next month and need the money to cover my tuition expenses Im willing to corporate and clarify any transaction chase bank have issues with however nobody is giving me a direct answer. 
The fraud department treat me like a criminal. 

I feel like they have labeled me guilty and I have to prove my innocence. 

If there is any other transaction in question Ill love to discuss that with chase reps other than that, I just want my balance ( my own money ) I feel like Im been discriminated against because XXXX XXXX, XXXX and from the XXXX. 

You close my checking acct & hold my funds but allow me to still maintain and use my chase credit card Someone please help me resolve this issue with chase Bank. It has been more than 30 days now

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I just received a notification alert via XXXX that a medical bill is in Collection status, and I now have a derogatory mark on my credit report. I have not received any type of invoice or email concerning the bill, as I believe I paid all medical bills in full. 


Amount : {$120.00} Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I opened a credit card account with Bank of America on XX/XX/XXXX and this account was closed on XX/XX/XXXX. I paid the balance on the account down to XXXX and I am still being charged a monthly fee on this closed account and it is affecting my credit report. I would like to address this issue by paying what is currently due and having this removed from my credit report completely.

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 monetary relief
Consumer complaint received 2021-01-24
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: Personal information incorrect

Complaint:
I started disputing my personal information on XX/XX/XXXX - XX/XX/XXXX, I've been sending letters and now there are addresses that I have no knowledge of or no access to. These addresses are still being reported on my XX/XX/XXXXcredit report and affecting my credit history. XX/XX/XXXX has closed each dispute attempt with the same outcome, the invalid information is still being reported today as of XX/XX/XXXX. This has really affected my credit and my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Levy & Associates, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I originally received the notification from the clerk of courts and set up monthly payments. My bank account information changed and my address, so I called the company to update all my information. They mailed me a form to complete and I mailed the form back into them. Several months later my employers notified me that my wages would garnished from the company but I was never notified in between. When I reached out to the company, they informed that they had mailed items to me informing me but they said I didn't call to update my address and back information. Someone else I spoke to found the phone call with the update address and back information. I tried to set up payments instead of the wage garnishment since they were confused if I had called about my back information changing and my address changing but they refused saying I should have called them sooner about the setting up payment. I ended up refinancing a car so that I could pay the amount off completely. I made the payment and now they are refusing to mail, fax, or email my employer to stop the garnishment. They said my employer will have to wait for the court document. The court does not send another document to my employer. In order to reach Levy and Associates I had to call over 13 times within a 1 hour period, I was hung up on 8 of those times. They have refused to give me a confirmation number for my payment in full and have refused to provide anything to my employer to stop the garnishment. When I ask to speak to a manager, they tell me no or the manager, XXXX XXXX will tell me he has emailed my employer which is not true. He has told me several times that my employer just isn't checking their email, which in fact my employer is waiting patiently to stop the garnishment and help me with the situation. The email has been sent by the company. Waiting on hold for hours and then hung up on over and over again is frustrating. I never received an correspondence in the mail after the initial contact. I have been willing to work with the company but they have made it impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX my husband drove up to the Bank Of America drive thru ATM located off XXXX XXXX in XXXX XXXX CA. He went to deposit {$1600.00} dollars for rent into our checking account ending in XXXX. When he put all the money in the deposit slot, it asked for him to remove the money ( probably because it was too much ). As he was reaching to get the money the slot closed on him. He never received any receipt or any proof of the deposit and his card was spit out. He put his card back in to check the balance to see if the money was in our account, no deposit had been received. 

He called me on my cell to let me know what happened, I told him do not leave the ATM machine and that I will get a hold of someone inside the bank for them to come out. I spoke with XXXX the manager and told him what was going on and he said he would go outside to help my husband. I called my husband and told him that the manager would be outside and while he was waiting he was telling all the customers parked behind him that he was not leaving because the ATM took his money. XXXX came outside while I was on the phone with my husband and asked him to put his card back in to try and deposit more money to see what the machine said. It said deposit was temporarily unavailable and XXXX told him to do the same thing for with drawling money and it said the same thing temporarily unavailable. XXXX told him he would have to come inside to fill out a claim. He also let us know that their is a 3rd party that comes out to fix the machine and counts the money and that it could take up to 45 days for our claim to be resolved. 

Everyday from XX/XX/XXXX to XX/XX/XXXX I called BofA claims to see what the status was and that I needed our money because we had to pay rent. All they could tell me is that they would escalate it up and that the earliest our money would be in our account was XX/XX/XXXX. On Friday XX/XX/XXXX I received an message saying that the claim had been resolved and that all money was accounted for and that no money was owed to us. After receiving the message I called BofA claims and told them about the message, they told me that all money was accounted for and that nothing is owed to us and there is nothing that they can do about 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 2018-07-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Wells Fargo opened a fraudulent personal loan under my name and social security. I've personally complained to the company directly at least over 10 times. All Wells Fargo has done was open and close cases without addressing any issues. They make false promises of throughly investing my claim or returning calls to management call backs none which has taken place. Ive went about and beyond sending all requested documents to even sending letter and travel documents to prove I wasn't even in the states to open the account. My claim has failed on deaf ears. I've tried to escalate to the highest level in Wells Fargo but nothing has been done.

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 2018-04-03
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
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:
I have 8 student loans on my credit that have a late payment on them. The late payment according in XX/XX/2014. I was not notified of the bill until I tried to enroll in school for summer school. The bills where sent to my old school address along with the notification to my old school email. Either of which I had access too. I have called and disputed with both XXXX along with Navient with nothing coming from either. I have called Department of Education and they informed me that they will contact Navient to have the 90 removed from my credit since Im in good standings and have keep up with my loans since. Nothing is happening and it is making my credit look horrible because of the late payments. If it was one late payment Fine but its is 8 and I cant buy a house or a card without very high apr because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: IQOR US INC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I put my XXXX  subscription on vacation, the customer representative for dish had no problem doing that for me I picked the time frame and he said I was all set. I go on vacation, while on vacation the person that was watching my house told me I received boxes from XXXX. When they opened them for me they found packing to send the XXXX  equipment back. When I contacted XXXX  the told me that they had canceled my subscription because I put it on vacation with out paying the current months bill which was not even due yet at that time. XXXX never contacted me to inform me of this before they canceled. Since it was canceled early they charged me a early termination fee which almost doubled my bill. Since I was not expecting that extra fees for something I did not ask for I was not able to pay the bill at that time so XXXX  sent it to collections. When collections contacted me I told them I was disputing this with XXXX  and was not going to pay them at that time. Several months later it appears on my credit report forcing me to pay it with out any notice or contact from XXXX  or the collections agency. I paid it immediately to XXXX. Then I asked collections to remove it from my credit report since I had paid XXXX  directly. They told me no, when I asked to speak to the department that handles there credit reporting they again told me no and that it was going to remain 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 explanation
Consumer complaint received 2018-04-03
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:
XXXX-Initial Complaint regarding reporting to Equifax from XXXX. I called XXXX on Monday-XX/XX/XXXX and was informed they are a department of XXXX XXXX and to settle the dept I would have to contact firm utilized to settle dept XXXX XXXX XXXX-phone number XXXX, Paid settlement amount on Tuesday-XX/XX/XXXX in the XXXX with a debit card ; asked XXXX XXXX XXXX time frame for release of payment to XXXX ; was told it may be 30 days. I responded not possible the debit posted immediately. Called XXXX and spoke to Supervisor asked time frame they would receive information on payment ; would not give me a time frame and informed me they report to Equifax 1st or 2nd week of each Month. 

Problem : XXXX Representative did not have procedures as it relates to payment received from XXXX XXXX XXXX and no protocol as to when I should follow-up. The Supervisor was very evasive. There is no further need for and investigation ; there was untruth when XXXX  stated it sold the account to XXXX in XXXX ; XXXX is part of XXXX XXXX ; 3rd entity involved XXXX XXXX XXXX was told by XXXX any communication would come from XXXX XXXX XXXX letter of phone. Three different companies ; AND ... .It appears because I contacted you XXXX is punishing me by withholding report to Equifax . Looking to purchase condo this month. Equifax did give me back the 40 points taken when XXXX sowed up on report in XX/XX/XXXX. Spoke to Euaifax Representative told me to submit complaint would take 30 days ... ... This is unreal

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: NELSON AND KENNARD
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX  XXXX XXXX and their Debt Collection agency Nelson & Kennard have been TERRORIZING ME. They are attempted to collect on an alleged debt and reporting it to my Credit Report, yet they can not provide proof that the account belongs to me at all. Simply providing me with statements is not proof. This debt doesn't even belong to me, they have no proof, no records, nothing, yet they continue to report inaccurate information about me, record my calls without my permission, contacting third parties about my debt without my permission ( Friends ) threatening me with all kinds of nasty things. They will not relent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: SunTx Capital Partners
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards of the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Untimely response
Consumer complaint received 2018-02-28
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have previously attempted to resolve this with Discover with no luck ... This account was opened as a result of identity theft and not mine. Police reports have been provided as well as fraud affidavit form. XXXX XXXX XXXX : Account # XXXX ... Total balance of {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Data-Central, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/XXXX. I had thought I won a free gift card to XXXX for {$100.00} threw a XXXX  XXXX. Over the phone they said I had to pay for shipping of my gift card to get mailed to my house. I gave them that information thinking I was getting a gift card. I never got the gift card. Later on I got a call saying I owed the magazine company money. I argued with them for a while over the phone stating I didn't owe them money. Then I was threatened that if I did not pay this bill my credit would get hit. We then came to a agreement that I I would pay {$110.00} to pay of my sub. {$110.00} was payed for 4 months to pay the sub off for the magazines. I thought I was done then. XX/XX/XXXX I received another call saying that I still owed money and was still under a contract with them. The company now switching from XXXX XXXX to XXXX XXXX. They Said I had a balance. They were charging me {$19.00} a month from XX/XX/XXXX all the way to XX/XX/XXXX totaling {$890.00}. Now my credit is getting hit with a negative mark and has dropped my credit dramatically because they are saying I owe them {$100000.00}.

Company response to consumer: Untimely response
Consumer complaint received 2021-02-26
Company: Credit Karma, LLC
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX, I attempted to log into my Credit Karma Savings Account. I have the ability to do it on the app and online. After attempting the log in, I received a notice that my account was deactivated. I did not deactivate the account. There is little to no phone support so I contacted them online. They stated they were looking into the issue. That was yesterday at XXXX and no correspondence since. I have over $ XXXX in the account and no confidence from them that my account hasn't been compromised. Nothing. I finally found a phone number and left a message on XX/XX/XXXX but no call back. I am nervous that I do not know where my funds are. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2020-04-06
Company: Monterey Financial Services LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have fraudulently account that was place on my credit report onXX/XX/XXXX. I file a police report with XXXX and sent the report to company and all three credit bureaus. Company refuses to remove this negative account. Monterey collections services placed collection amount of {$11000.00} as ofXX/XX/XXXXand every year it goes up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've contacted I C Systems regarding a XX/XX/XXXX account in collections that is showing on my credit report in the amount of {$360.00}. I explained to I C Systems that it is not my debt, and I requested for them to provide me verification of the debt. They advised me that they are unable to do so, and they continue to show this 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 explanation