BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I made reservations and paid for virtually all expenses for my trip to XXXX, including airfare, hotels, transfers, meals, shopping, etc. using my Chase Ink Visa Card. On the way to XXXX from XXXX on XX/XX/XXXX, my flight was delayed and eventually cancelled approximately 5 hours after its scheduled departure and after I had boarded and been on the plane for more than an hour. All passengers were asked to deplane the aircraft and were stuck in the XXXX XXXX airport with no assistance whatsoever from the carrier XXXX. I had already been traveling for approximately 24 hours at this point, and was now stuck in a foreign airport after midnight with no recourse or ability to secure transportation or lodging. After spending the entire night without sleep, I was finally able to book a flight to my destination out of XXXX 's other airport on XXXX, albeit at a different airport and at significantly higher cost. Upon returning home, I tried to make trip interruption and trip delay claims provided under Chase 's credit card agreement. This service is provided through a website called XXXX XXXX XXXX   ( XXXX ) which is owned by XXXX XXXX, and after seven weeks of repeated email and fax documentation submissions and more than 15 telephone calls, neither claim has progressed. I have received a litany of excuses as to why, all of which are unsubstantiated. I have attempted to submit documentation using their website as instructed using two different computer ( one XXXX and one XXXX XXXX ), using three different web browsers in each operating system as well as trying an XXXX  and XXXX, Every time I received and error message stating that there was a problem and to call customer service. Each time I called customer service and was given a different excuse and told to submit my documentation either by email or fax. I have submitted every document via both email and fax, have had no emails bounce back and have every fax confirmation that my transmissions were successful. I have called virtually daily to follow up and continue to receive excuses as to why they have not received my documentation and hence why they can not process my claims. I literally have run out of avenues to pursue my meticulously documented claims, and believe that Chase 's insurance claim processing service is either completely incompetent or potentially fraudulent. Each call has involved a different customer service agent who has provided different or conflicting information and refused to let me speak to a supervisor, a technician responsible for website administration and document processing and the claim adjuster allegedly assigned to my case. Chase and XXXX XXXX have been completely negligent and should be admonished for their failure to honor their credit card agreement and attempting to deny legitimate claims thereunder.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-02
Company: BUDGET CONTROL SERVICES, INC.
State: CO
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:
collections shows open when it should be closed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On the morning of XXXX XX/XX/2018 I attempted to use my Chase Bank debit card to purchase {$500.00} in cryptocurrency from XXXX, a U.S. based crypto currency exchange that practices KYC and reports large transactions to the IRS. The purchase was rejected and a subsequent Email from XXXX stated " When we attempted to process this transaction it was canceled by your bank. '' There was over {$600.00} in that checking account, so later on the XX/XX/XXXX I went to my Chase branch at XXXX XXXX XXXX, XXXX XXXX, CA XXXX and asked my Private Client Banker why I had been unable to use my funds to make the purchase. She made a phone call to find out and then explained that Chase Bank did not consider purchase of cryptocurrency to be a legitimate transaction and that rather than be involved in a scam involving their customer they would also refuse to honor an ACH payment for such purchases. I expressed my displeasure at not being allowed to legally use my funds as I saw fit, and she quoted Chase CEO XXXX XXXX on the evils of cryptocurrency and brought up an anecdote of a customer duped into financially supporting terrorism. Where does this interference in a customer 's legitimate access to their own deposited funds end? No purchases of liquor or guns or birth control or donations to the " wrong '' political party if the bank CEO so chooses? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: Bridge It, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
On XX/XX/2021 attempted to collect debt of {$70.00} at XXXX XXXX. 

On XX/XX/2021 attempted to collect debt of {$70.00} at XXXX XXXX Sent communications back advising it was violation to contact after 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 non-monetary relief
Consumer complaint received 2018-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. It is now XX/XX/XXXX. I sent the XXXX XXXX and all 3 credit bureaus a copy of my police report, ID Theft Affidavit, ID, and my social security card. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.

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 2018-04-02
Company: LDF Holdings, LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have come to find out they charge an illegal interest rate of 780 %. I have paid back beyond the principal and still continue to make payments that only satisfy an outrageous interest rate and other fees. I am struggling to make ends meet because of payday loans such as this one.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: EQUIFAX, INC.
State: OH
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:
I received a loan from XXXX XXXX XXXX. I was in an accident where my car was totaled by a drunk driver. the total amount owed on my loan was {$11000.00} ( i have submitted my loan paperwork from XXXX XXXX XXXX ). XXXX paid {$9000.00}, GAP insurance paid {$1600.00}. The taxes remaining on my loan was {$570.00}. XXXX XXXX XXXX is reporting that I owe {$2900.00}. The only amount I owe are the taxing remaining of {$570.00}. 

loan:XXXX ( PAID ) Geico:XXXX ( PAID ) GAP:XXXX ( PAID ) Taxes:XXXX ( UNPAID )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown items on my consumer report. It has now been 30+ Days and I have not yet received a reply. I feel as if I'm being ignored and my issues are being disregarded. Section 611 ( a ), explains that failure to investigate disputed items within 30 days is cause for immediate deletion from the consumer report. I have been waiting patiently for a response, for more than the required timeframe. So, with that being said I am demanding that the items be deleted immediately. Their have been multiple violations committed during this ordeal which has me feeling as if I'm being taken advantage of. Ive also searched my name in the Equifax data breach system and learned that my info was compromised. PLEASE DELETE ALL DISPUTED ITEMS IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: NAVY FEDERAL CREDIT UNION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I've been with Navy Federal for about 8 months I think. I have paid My car loan on time every time every month without any issues. When I got this contract they sent me some envelopes to send the title back in if the previous company sent it to me. I returned the title as advised to navy federal, they confirmed they received it. I than few weeks later received a notice of Power of attorney. I called in as I am going to the mail box spoke with the navy federal auto department and specifically asked her if I needed to get a Notarized for this. She flat out told me no. Please review the call. I said are you sure? Me working in an XXXX office it just didn't seem correct so I asked her several times after this. She said no the power of attorney form does not need to be notarized. I told her okay I am putting in the mail. She stated she would note the account. Know XX/XX/XXXX I go online to pay my bill and its XXXX I got no call from navy federal- no email- no voicemail- no communication what so ever. I only log in to my account to pay my cc or my loan. I look up at the messages and they sent me a message after it was already raised from XXXX to XXXX when there employee instructed me the wrong information. I called them cause all of a sudden know they have sent me a text message at the time of a 2 day past account. Communication of a 2 day past account. I called the lady advised it was not notarized etc. Now this is not fair I have done my part my contract stated XXXX she advised she will send the form back out- so that it can be re-done. I need someone to pull the call when I called in and inquired about this- how is this my fault when I specifically asked this exact issue. I've had no problems with this credit union-I would love for it to continue this way.. Please fix this.

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 2018-03-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Chase XXXX credit card charged my account {$14.00} and offered no explanation for this charge. I called chase XXXX Customer service but company offered no viable solution. I asked Customer service why i was being charged this but they declined to explain.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I have no derogatory marks on my financial history since I first established my credit history. I am employed and have been for the last 6 1/2 yrs with the same employer. I have shown myself to be a good credit risk for several years, however, all three reporting agencies refuses to allow my credit score to rise higher than the mid XXXX. This could only mean they are using factors that play no part in my financial risk i.e. my gender, race, and my demographic which are all bias.

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 2018-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I would like to make arrangements to settle the above referenced matter. 

Please provide me with your statement of the amount owing as of XX/XX/2018, together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Resurgent Capital Services L.P.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: U.S. BANCORP
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Re : Complaint id XXXX I purchased a XXXX Prepaid Card in the amount of {$200.00} on XX/XX/2018 I registered the aforementioned prepaid card in my name on XX/XX/2018 by calling the number provided on the card I was informed by a customer service representative that the card was inactivated due to prior transactions attempted before the card was activated. These transactions were not authorized by the cardholder. The customer service representative refused to issue a new card number without a fee, despite the card number being compromised before purchase.

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 2020-10-30
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Due to the pandamic and XXXX a wrongful 30 day delinquent was reported on my credit report. No reminders with letters or calls were made to me. 
XXXX XXXX refunded late fee due to hardship but will not reverse 30 day late.

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 2017-08-04
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Unfortunately this issue has been occurring annually since they first started servicing the loan. I have had issues originally about them mis-apply my mortgage payments, after months of communications, things were straightened out. A month before my first payment was due, I set up bi-weekly ACH mortgage payments through my credit union. The first year, there was a shortage with my escrow account, so I elected to pay the shortage and my payment still increased. In XXXX I refinanced my loan and my original payment was XXXX. My escrow payment was originally XXXX. In XX/XX/XXXX, I paid a shortage payment of XXXX, and my payment still increased to XXXX. An increase of XXXX/month, even though I paid the shortage. In XX/XX/XXXX, I paid the shortage of XXXX, and my payment still went up to XXXX, an increase of XXXX. As you can see everything is doubled, escrow shortage and the amount of monthly increase. When I spoke to the Agent yesterday, he stated that the XXXX payment went to unapplied funds and not to my escrow account, despite the fact that I mailed in the escrow payment with the payment coupon to the address stated on the coupon. In XX/XX/XXXX, I paid the escrow shortage amount of XXXX, and my payment incteased to XXXX, a monthly increase of XXXX/month. Once again, my monthly increase almost doubled, even though I paid the shortage amount. This year my shortage amount is XXXX, and my payment will go up to XXXX. Will this madness ever end? Clearly there is a problem. Who can continue to keep their home at the rate of these increases. This is all due to escrow. What happened to my misapplied escrow payment? Why did n't anyone ever tell me? Could that be the reason for the significant increase? What recourse do I have as the consumer who has always paid their mortgage on time? I realize my property taxes have increased because my property value has increased. But that 's why I pay yeh shortage amount. So why does my escrow payment have to consistently increase. I requested an escrow cancellation, and they denied it. The denial stated my loan needs to be less than 80 % of the original loan amount. Even the denial letter has a XX/XX/XXXX denial date, and he request was made in XX/XX/XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: National Recovery Solutions, LLC
State: OK
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
National Recovery Solutions has tried to contact me at work several times even though I have asked them not to call my work or it would get me in trouble. each time i told them this they told me no one has ever talked to me which is a lie. 


I spoke with them on XX/XX/XXXX and XX/XX/XXXX on my work line and asked that they not call me at work. Then they asked me to let them speak to human resources as soon as i told them to stop calling me a work as a scare tactic. When I told them that i was going to file a complaint he said I Don't know what for. I repeated because I ask that you stop calling me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
Bank of America processed a fraudulent charge using my credit card for {$18000.00} on XX/XX/XXXX. Bank of America ( BOA ) sent a text alert denying fraudulent purchase but ended up processing the transaction without notice. Filed a fraud claim with BOA on XX/XX/XXXX. Received a letter from BOA dated XX/XX/XXXX notifying me of a credit for the fraudulent purchase. Received a letter from BOA on XX/XX/XXXX denying my claim and the credit was reversed. Filed a Police Report with XXXX XXXX on XX/XX/XXXX. Sent letter to XXXX XXXX on XX/XX/XXXX with no response. Filed ID Theft Report with FTC on XX/XX/XXXX. Sent letter to BOA on XX/XX/XXXX with copies of Police Report, ID Theft Report with copy of Notice of Furnishers of Information from FCRA. BOA reopened fraud claim. Received XXXX Proof of Delivery ( POD ) from XXXX XXXX on XX/XX/XXXX showing Bogus Shipping Address. Received claim denial letter from BOA on XX/XX/XXXX. Received BOA letter dated XX/XX/XXXX on XX/XX/XXXX asking for affidavit denying purchase. Sent signed BOA affidavit on XX/XX/XXXX. BOA Fraudulent claim reopened. BOA reopened case and continues to deny the claim. Retrieved XXXX POD from website on XX/XX/XXXX showing discrepancies in comparison with POD from XXXX XXXX. Sent letter to BOA on XXXX showing shipping discrepancies. Spoke to XXXX Customer Service on several occasions. In particular spoke to XXXX XXXX on XX/XX/XXXX. Received call from shipper name of XXXX XXXX on XX/XX/XXXX at XXXX to redirect package. Shipper setup BOGUS return address. XXXX driver called XXXX agent for undeliverable package. Agent redirected package to XXXX MD. Email received from XXXX XXXX XXXX Account Manager, XXXX XXXX on XX/XX/XXXX to redirect package. XXXX XXXX filed a lost package claim with XXXX claim # : XXXX. XXXX XXXX with XXXX assigned to the claim. XXXX processed the Lost Package Claim acknowledging their error. The {$18000.00} charge remains on my Credit Card and continues to accrue interest. I have three different XXXX POD 's with several discrepancies. Sent letter to BOA on XX/XX/XXXX with documentation of discrepancies. BOA continues to deny the fraudulent purchase claim.

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 2018-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
Dear Credit Representative : I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, and you responded by stating you were able to verify this debit. But how is that possible? Under the laws of the FDCPA, I have contacted the collection agency XXXX XXXX XXXX myself, and they have failed to provide me with proper validation according to the FDCPA as I requested. 

I have enclosed copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent this letter by certified mail. I was given an Account Summary Report and no evidence of my obligation to pay this debt to the originator or this collection agency. This debt is not mine. This is NOT a valid form of validation of debt per FDCPA. 

The validity can not be properly verified and you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. 

In the event that you continue to report it on my credit report, I will find necessary to sue you for actual damages and declaratory relief. According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims in my area. 

I look forward to a swift and amicable resolution to this matter.

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