BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My account was " pending '' negative and put fund in it, and my online account reflected the balance was positive after depositing an ACH transfer, and then again cash, but Chase still assessed me five fees at {$34.00} each. 

the way chase posts the payments is also unfair. they post the largest transaction first, and then allows all the smaller transactions to be assessed fees. 

I went to the branch nearest me ( the other is a few miles aways, and in XXXX XXXX I do not have an easy method to get there, especially late in the evening. ) to make a cash deposit, but to my surprise there is no teller window, but a giant ATM machine. Chase is all about the bottom line, even at the expense of its customers. I do not expect them to refund any fees, they'll likely respond with some long drawn out response about how my account was negative and how transaction are posted in order. 

When I called to work with Chase, not one person I spoke with knew what UDAAP was, of course chase doesn't train it's employees on UDAAP, they create processes that are abusive to their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-13
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a follow-up complaint to the original complaint : As the court assigned Power of Attorney for my Mother, the last couple of weeks I have been in contact with Resurgent Capital Services, via numerous telephone calls, who are owned by Sherman Originator III LLC/ PYOD,  to determine if they own debt - {$64000.00} and the lien, that was placed on my Mothers home. A bankruptcy was filed and discharged in XXXX on the {$64000.00}, but somehow the debt and lien still exists and Resurgent Capital Services informed that they " purchased '' the debt in XXXX, from XXXX XXXX XXXX ( currently defunct ). I have requested and attempted to obtain validation of the debt and lien, through Resurgent Capital Services and documents they have provided do not have any identifying markers : account numbers, references to my Mothers name, address, debt amount, etc. The documents provided from Resurgent Capital Services were sent to a Title company, who indicates that the documents are " suspicious looking ''. If Sherman Originator III LLC/PYOD/Resurgent Capital owns this debt and if this indeed a valid debt, I need to obtain verifiable debt validation in order to proceed with the PYOD approved settlement offer of {$6500.00}. Additionally, I need the recording information for the Trust Deed and assurances that after paying the documented settlement offer of {$6500.00}, the account will be satisfied in full ( whole ) and that a reconveyance will be issued on the {$64000.00} lien : : : : : The company sent all requested documents and approved PYOD settlement payment of {$6500.00} was sent and was received by the company, so full said debt should be whole and account closed, but upon contacting the Resurgent last week to follow-up on when the reconveyance papers would be filed, the representative indicated that there was still a balance due of {$58000.00} and that " they have no timeframe to file the reconveyance paperwork ''. I ignored what she stated and assumed that Resurgent had not yet updated their files, but today, I received a letter from Resurgent that mimics what the Customer Service representative stated last week ; that there is still the balance due of {$58000.00}. This is false? The entire debt was resolved via the {$6500.00} approved PYOD settlement offer. Why did I receive this document and when will the reconveyance papers be filed with XXXX XXXX courts?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I just received an email from Chase Bank regarding my Chase Amazon Visa Card. They are updating their terms to roll in a new 'Penalty APR ' of up to 30 % if you are unable to pay the minimum balance due - this goes into effect on XX/XX/2021. Previously the maximum APR was 23.74 % I believe ( I got the agreement off your website, Chase does not make it available online ). 

They are also expanding the definition of a cash advance to apply to many different types of cash transfers that will impact a lot of people negatively. 

Seems like a way for Chase to capitalize on people struggling to make ends meet during the pandemic. I am very concerned about the effect this is going to have on people who have been less fortunate during these difficult times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid this account off via settlement with two payments on XX/XX/XXXX and XX/XX/XXXX to Credit Acceptance 's third party collector XXXX XXXX XXXX XXXX. This company has since forwarded the payments over to Credit Acceptance last month. As of today, XX/XX/XXXX I still have not received a {$0.00} balance letter from Credit Acceptance. I have called and placed verbal authorized twice now for the three credit bureaus to call and verify the balance. XXXX calls and gets a {$0.00} balance. XXXX  calls and speaks to a XXXX and gets a no the balance isn't updated and the file is with their legal team. XXXX speaks to a XXXX and she says no authorization has been placed. Again I've placed specific authorization with specific names from each bureau that will be calling TWICE. I want my {$0.00} balance/ settled letter as this was a ton of money I paid out to settle this account. I am being told that home new home closing set for XX/XX/XXXX will now be delayed due to this and that I may have to switch to another home! Again I paid this out on XX/XX/XXXX & XX/XX/XXXX. This is ample enough time for me to get an updated letter from Credit Acceptance.

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 2021-02-22
Company: Velocity Portfolio Group
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2021 I received a court summons stating Velocity Investments LLC was suing me for an unpaid loan. I have never heard of this company before and do not owe them or anyone any money for an unpaid loan. This company attached blank loan documents with the account number blacked out and no signature, but have stated I am responsible for this loan. There is no information about this unpaid loan and why I owe them $ XXXX. This is ridiculous that some random company can try to sue me without any evidence that I owe them anything. No one has ever contacted me about any unpaid loan, but now all of a sudden Im being sued.

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 2017-08-02
Company: JPMORGAN CHASE & CO.
State: NY
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:
On X/XX/17 I charged my XXXX vacation to my XXXX XXXX card. This vacation reservation was made through guest services as I received 2 complimentary days and a discounted price for the remainder of the days. The only reason I had them put the charge on my XXXX XXXX was to receive the 0 % interest for 6 months. On the day I made the initial charge, XX/XX/XXXX I called and spoke to a manager at XXXX XXXX to confirm that this charge would receive the 0 % interest for 6 months. The manager I spoke to confirmed that 0 % interest for 6 months would apply based on the code he checked on the charge that came through that day. I made it very clear to him that I was confirming this to be sure it would in fact qualify or I would have called XXXX to have them reverse the charge and I would have put it on my XXXX credit card that has better benefits. I was ASSURED by the manager that I would be receiving 0 % for 6 months on the charge of {$7300.00}. I also requested he put our conversation in the account notes so there would be no question later, when the statement came. I could not believe that that when I received my statement they would not honor the 0 % for 6 months. I spoke to 2 different managers on X/XX/17 to no avail. They told me to try writing a secure message. I did this and the responses never addressed the manager confirming that I would receive this benefit. They only would say that the charge code from " XXXX XXXX XXXX '' does not apply for the offer. When I spoke to XXXX XXXX Card managers in XX/XX/XXXX they all confirmed that there was a note from the manager I spoke to in XX/XX/XXXX stating this vacation would qualify for the 0 % for 6 months, but they would only say that he made a mistake. I was forced to find a way to pay for the vacation in full or pay interest on {$7300.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-09
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:
I am faithfully paying the account with this company..Incorrect late payments on XXXX and XX/XX/2018, not 30 and 60 days late.. Please reverse the late payments, i have a good relationship with this company XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-26
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Good afternoon hopefully you guys can put an end to this. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and noone was able to help me I was just being past around to department. Please investigate these bureaus and have them delete these fraud accounts off my report. Please see my IDENTITFICATION attached and the report I filed under identity theft. Please delete these.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My SSN was stolen by a woman with similar name to mine, who worked in a XXXX XXXX XXXX  where I was a patient. She leased, and then skipped out on, an apartment in a city where I've never lived. She skipped out on rent due, owing about {$1600.00}. The apartment 's collection agency, XXXX XXXX XXXX, then incorrectly reported this uncollected debt under my SSN. I only learned about this when I applied to refinance my home mortgage. 

I know who this was from matching signatures on the apartment lease, and documents she signed as representative of XXXX XXXXXXXX XXXX XXXXXXXX, XXXX. 

I contacted and reported the error to XXXX XXXX XXXX ( XX/XX/2020 ), the XXXX XXXX FL police department ( XX/XX/2020 ), the FTC ( XX/XX/2020 ). I contacted by phone and sent certified letters with FTC and police reports multiple times XXXX, Experian and XXXX. Ultimately, I hired an attorney to assist me.

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 2017-08-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
There is a significant amount of information missing on my Experian credit history. This is leaving me unable to qualify for a home loan guaranteed through the Veteran 's Administration. A large part of a consumer 's credit score is revolving credit history, such as bank credit cards. I have a XXXX XXXX credit card. The XXXX XXXX card has been paid and reported TWICE now to Experian, in XXXX 2017 and XXXX 2017, and yet it still is n't appearing on my credit report. I have contacted XXXX XXXX and they have confirmed they reported the account information to Experian. They have my correct name, address, date of birth, and Social Security number. They have confirmed to me that they reported the correct name, address, date of birth, and Social Security number and account history to Experian. Yet, when lenders pull my report, the XXXX XXXX tradeline does not show on my history. As a result, my FICO credit score is lower than it otherwise would be, had Experian provided a complete and accurate 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 2017-08-02
Company: Diversified Consultants, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am seeking your assistance with getting a response from Diversified Consultants regarding an account they are reporting on my credit file that is not mine. I have wrote Diversified Consultants on X/XX/17 requesting validation of an account that Diversified has  confirmed with XXXX on X/XX/17. As of this date, Diversified has not responded to my request to validate this account. I am certain this is reporting on my credit report in error because I did n't have an account with the company this agency represents which is why I requested XXXX complete a full investigation and further for Diversified to send me information regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My SSN was stolen by a woman with similar name to mine, who worked in a XXXX XXXX XXXX where I was a patient. She leased, and then skipped out on, an apartment in a city where I've never lived. She skipped out on rent due, owing about {$1600.00}. The apartment 's collection agency, XXXX XXXX XXXX, then incorrectly reported this uncollected debt under my SSN. I only learned about this when I applied to refinance my home mortgage. 

I know who this was from matching signatures on the apartment lease, and documents she signed as representative of XXXX XXXX XXXX XXXX XXXX 

I contacted and reported the error to XXXX XXXX XXXX ( XX/XX/2020 ), the XXXX XXXX FL police department ( XX/XX/2020 ), the FTC ( XX/XX/2020 ). I contacted by phone and sent certified letters with FTC and police reports multiple times XXXX, XXXX and Equifax. Ultimately, I hired an attorney to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: Millco Management
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The first complaint is for American Financial Solutions, they have a collection on my credit report from some kind of medical facility in XXXX, Alabama, which is somewhere that I have never been in my life, I have NEVER been to XXXX, Alabama. From XX/XX/XXXX to XX/XX/XXXX, i was in West Virginia. Please have them remove this inaccurate information from my credit reports immediately. This is not my medical bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Had a unexpected charge hit my account for XXXX while overdrew my account {$1.00} and was pending. I transferred money into the account that evening when I checked my account. Again while the XXXX charge was still pending. But they didnt post my transfer till the next date.. again even though it was pending still when money transferred. Then the charged me a overdraft fee of {$35.00} for the {$1.00} overdraft even though the funds were transferred prior to posting.then as a result of the {$35.00} charge a small charge the next day hit of about XXXX and they charged another {$35.00} fee. The next day charge would not have overdraft XXXX if they had not charged the previous {$35.00} fee. Thus they cost me {$70.00} in fees for a {$1.00} overdraft that was corrected prior to posting. When contacted they just said the transfer wasnt dont till the next day, which is not true. It was done while the XXXX charge was still pending and not processed.

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 2020-05-20
Company: Experian Information Solutions Inc.
State: MD
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:
Please help this company does not care about what they are reporting. I have sent in these request to remove these inaccurate things as quickly as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: JPMORGAN CHASE & CO.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account does not belong to me. I have disputed it more than once it has cost me a lot of issues. I have not been able to properly care for my son. I have attached my id theft report below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-09
Company: SUNTRUST BANKS, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Complaint against SUNTRUST MORTGAGE in regards to the posting of my monthly payments since taking over my loan servicing on XX/XX/2018. My monthly statements are consistently reflecting 2 months of payments due. I have contacted the mortgage company every month to better understand why this is occurring, as I am submitting my monthly payments well before the XXXX of each month. Initially i received a statement for XXXX reflecting 2 months due for my mortgage ( XXXX & XXXX ). I noted a correspondence that stated my loan was sold at the end of XXXX, but no account information provided by new service provider SUNTRUST. I reached out to SUNTRUST to make an online payment prior to XX/XX/XXXX to maintain my account current. In the XXXX billing statement I understood why system generated the dual payment due as the conversion time being noted. However for the XXXX Billing statement did not understand why still showing 2 payments being due. I contacted SUNTRUST on XX/XX/XXXX and was told my billing cycle was occurring every XXXX of the month, as this was automatically set-up by the system. Additionally I had mailed hard-copy checks this month, as needed to make up an escrow shortage. Understanding this billing cycle I sent my XXXX payment on XX/XX/18 via epay for XXXX XXXX account. I visited the website again on XX/XX/18 only to see my payment not yet posted. XXXX XXXX show funds withdrawn from my account on XX/XX/2018. I spoke to XXXX with customer service and she explained my payment may show deducted from account, but it was probably mailed by XXXX XXXX so has not yet been processed. My XXXX statement has been generated already and is showing 2 payments due! Why is SUNTRUST system deliberating trying to access me with late payment statements?

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 2021-02-03
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I am writing today in regards to my account with XXXXD Auto Fin Account # XXXX. The reason for writing today is in regards to the late payment is which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: EQUIFAX, 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: Account status incorrect

Complaint:
THIS IS GETTING VERY AGGRAVATING, SINCE THIS IS THE 4TH TIME I HAVE TRIED TO GET THIS PROBLEM RESOLVED!!! Equifax is continually reporting payments being made on a CLOSED XXXX XXXX account! Please look at my history of complaints and I am STILL waiting on Equifax to resolve my previous complaints. Equifax just reported my XXXX mortgage payment, along with my XXXX mortgage payments, to the CLOSED ACCOUNT ONCE AGAIN!!! Is there anyone or any agency that governs Equifax or are they just free to do whatever they choose and XXXX around with people 's credit which affects their score??? Better yet, is there anyone who really cares??? I have suffered financially due to their ERROR, as I have not been able to obtain funding for my business!!! What can be done other than sending complaint, after complaint, after complaint and nothing is HAPPENING???? I am not satisfied with any service I have received!

Company response to consumer: Closed with explanation