BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I received a call yesterday from the Chase Bank End of Term Lease Department. I was unable to answer the phone but called back when I received the voice mail. I know what the call is about. Its simply to settle the end of lease payment which is fine. The problem is that their verification process includes giving them my full social security number over a mobile line. This is the only company in the last couple years that apparently have not gotten away with asking for your full social security number over the phone. When the rest of the industry has figured out how to verify identity without asking for a full social security number, I am unsure why Chase is so far behind. They state that they do this for consumer protection yet requiring the consumer to state their social security number over a cellular connection is indeed not protecting them. This was only part of the problem. 

In addition I received a letter dated XX/XX/XXXX ( received XX/XX/XXXX ) that summarized the results of the end of lease inspection report. The same letter stated that payment was due on XX/XX/XXXX. I could not understand how they wanted me to pay the bill prior to receiving the inspection report dated XX/XX/XXXX and not received until XX/XX/XXXX. I assume they wanted me to make a guess at what the report would say?? Also, no bill was actually ever sent to us and no reasonable due date was ever communicated. A due date of XX/XX/XXXX, 10 days before the inspection report was mailed to us ( again, not received until XX/XX/XXXX ) is  unreasonable. 

I can not pretend to know what is going on with this department but I am all for paying the negligible amount they ask for if they could just figure out how to verify my identity without putting me at risk. It seems every other financial institution has figured out already. 

Anyway, I am more than happy to settle the debt over the phone but refuse to give my social security number over the phone which is considered personal identifiable information and a major contributor to identity theft incidents. If Chase wishes to protect the consumer then they should start by changing their verification process. For example I have a name, address, birthday, last 4 of my social, last 4 of the account I would like to close, and the year/make/model of the vehicle in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I had my unemployment deposit into Venmo I guess I was trying to transfer the money out the account because I didnt receive the card they then froze my account and told it was deactivated I verified my identity I have called and chatted no one has told me anything they promise my money would be released after 180 days after 180 days I called back they said they permanently locked my account they didnt know when I would get my money I dont understand I dont want the account I just want my money its sitting for over XXXX years no explanation Im tired of this its depressing can someone please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: AMERICAN EXPRESS COMPANY
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have an Authorized credit card on my account that was cancelled by Amex on XX/XX/2020 ( after two billing cycles ) without informing me. I have been speaking to the company about reporting this card to credit bureaus and I reached out to them six times during this two month period ( Both customer care and also Credit reporting department ). I was told each time that it will be reported on second billing cycle and we do have all the required information. When it was not reported on my second billing cycle of XX/XX/2020, I called again and I was told that there is some issue with the system. We will look into it and might have to send a manual reporting. 

I called them again to find out that my card was cancelled on XX/XX/2020. I asked for a reason of non-reporting regardless as card had two billing cycles. I am being given excuses and this issues is being ignored. This is a clear violation of FCRA ( Fair Credit Reporting Act ) when the company is reporting selective information to credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-23
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, My name is XXXX XXXX XXXX ( at that time my name was : XXXX XXXX XXXX XXXX. I changed my name because i got married ). I have XXXX babies and the XXXX of XXXX of them were covered by the government insurance because of my low income. When my XXXX  baby ( XXXX XXXX XXXX XXXX ) was born in XX/XX/XXXX, at XXXX XXXX Hospital at XXXX, kentucky, he got certain medical issue and the hospital kept him fews days to make him better. the hospital charged me for that while i was covered by the insurance. I went to the hospital to complain for that issue and they contacted the insurance company and they told me that everything was ok and i dont have to worry about that. They fixed some bills but fews months later i noticed that they fixed everything except one. They told me they Will fix it also but unstead i got collection mark of XXXX $ from GLA collections ( XXXX XXXX XXXX   ) on my credit report a until now. I called them to explain that it was a mistake they told me they can not do anything to remove that. I dont know what to do and that situation affect my credit score because i have a derogation mark. 

Can you please help me.?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: AES/PHEAA
State: MN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a student loan with American education services. My loan is past due 19 days. I have a payment set up to pay my past due balance on the loan dated 3 days from now. I am the only one that pays on the loan every month. American education calls and HARASSES my co-signer, which is my elderly grandmother. Its one thing to call and let my co signer know that my loan is past due. But they don't provide any account information such as pending payment, account activity, etc. And she has every right to know that information, especially since they are attempting to contact her. They've tried to force my grandmother to pay the balance and enroll in direct debit. This are already things i've done. I talked to a manager XXXX about AES process for a past due account. AES refused to call my grandmother and let her know that there is a payment set up on the account and the main borrower has signed up for direct debit. Its one thing to inform my reference about the past due account but AES constantly calls and agents don't take the time to read any particulars about the account because they call and demand payment as if my loans are severely past due or as if I've defaulted on my loans. I have multiple loan services and AES is the only one that operates in this manner. Management tells me its there process to keep calling and talk to my grandmother the way that they do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-29
Company: EQUIFAX, INC.
State: MN
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:
Hey on XX/XX/2021 I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 30 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 30 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache you have given me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/XXXX I called Citi bank for a fraud involving my account. I took a job offer that I received from my college university stating that the job was from XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The employer instructed me that I will be receiving checks that are donations and that I will have to send those donations out to orphanages via XXXX. Starting XX/XX/XXXXI started getting checks that are worth {$2500.00} til XX/XX/XXXX, totaling up to XXXX checks each worth {$2500.00} ( {$10000.00} in total ). Citi bank have put in the funds and notified me that they accepted the check in my account, therefore I have sent out the money via XXXX as instructed by my employer of the same amount of {$2500.00}. By the fourth check which was deposited XX/XX/XXXX, I get a notification on XX/XX/XXXX from my bank saying that my checking account is negative and it is due to the fact that the last check of {$2500.00} got voided and I already sent out the money through XXXX as instructed. I gave Citibank a call to file a fraud complaint and they said that the rest of the XXXX checks with a total of $ XXXXfrom before will also be voided once it gets cleared by the bank and will deduct it from my checking account totaling up to {$10000.00} for all XXXX checks. They said they cant file a dispute as it is a mobile check and by law banks have to put the funds in my account when a check is deposited whether or not it will go through once its been cleared. They then transferred me to XXXX department for the XXXX transactions that I was told to send out. They asked me a few questions such as if I authorized the transaction, and I told them that that is what I was instructed to do from my employer. I only got a notification from XX/XX/XXXX that the check was voided when all the money has been sent out to the designated person via XXXX. They said that I do not qualify for a refund and they will send me a letter through mail.

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 2019-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In XXXX of XXXX I took a rent check in the amount of {$4000.00} to my renters bank ( Bank of America in XXXX. XXXX, XXXX XXXX, Washington ). The renter had been given notice to Pay or Vacate and was going to be evicted. The teller cashed the check and gave me {$4000.00} cash. Done deal - cash in hand. This allowed my tenant to stay and evade eviction at that time. 
On XX/XX/XXXX, after almost FIVE months, without my permission and without any notice, BOA took everything from my personal checking account, ( {$3700.00} ). I was even charged a monthly service fee because my balance dropped below {$1000.00}. 
If they had not cashed the check, my tenant would have been evicted in XXXX, but I had to begin the eviction process again and he was evicted in XX/XX/XXXX. 
I could have dealt with this if BOA had notified me in a reasonable amount of time, but I can do NOTHING after 5 months. At this late date, I have no way to get it back.

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 2021-10-29
Company: Continental Finance Company, LLC
State: NJ
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:
An account named continental XXXX appeared as first an inquiry on my credit. It alerted me that someone had my info. I immediately put a freeze on my credit, wrote to them, called them, contacted all bureaus and filed police report. The company themselves useless. I get XXXX results saying they wont delete it. They are saying its mine! Its not mine. Police have persons name and address who did this to me. I want this permanently removed. My score went down drastically and Im not paying for 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 2019-05-14
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019, I mailed a certified letter to XXXX XXXX XXXX for validation of the collection account stating I owe {$3600.00} they placed on my credit report, which does not belong to me, I never open this account with them nor the company they represent, its been over 60 days and no response back from XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've been pretty consistent with paying my bills on time. I'm saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didn't understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. I filed a FTC report and I contacted the local police department. I'm doing this on my own behalf. XXXX XXXX XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2021-10-29
Company: Paramount GR Holdings, LLC
State: NJ
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:
Payment was due XX/XX/XXXX, they call an average of 6-8 times per day and have sent a total of 9 emails stating they will damage my credit, lien on my property and remove solar panels. Their email state they have been trying to contact me for months when my payment isnt even 15 days past due. The amount of calls and emails through out the day is nonstop and again my bill isnt even 15 days past due. 
My payment was scheduled for XX/XX/XXXX and they still calling and sending emails.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A Collection in the amount of {$190.00} showed up on my credit a few years ago. I was never given any verification of the debt or notified by the debt collector that I had a right to dispute. I paid the collection in full and was told that the item would be removed from my credit report. I'm not even sure if the debt was mine, but could not surely deny it wasn't so I thought it best to pay them and make an agreement to have it removed from my report. This has been over a year and this is still showing on my credit report. They updated the negative remarks to include that the collection was paid in full, but they refuse to remove it from my report like they agreed to do when I paid them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX went to a Capital One Bank cafe to make a payment to prevent my account from charging off. I place {$30.00} in the machine well I never received a receipt showing that the payment was credited to my account. I went over to tell an ambassador which is there version of a customer service person. I told them about I was told to call Capital One Banks customer service on Monday morning. I called customer service that Monday they told me to go back to the branch its there problem they have nothing to do with the servicing of the machines. I went back to the branch and I was told its an customer service issue. I'm in Massachusetts Capital One Bank dose not have full service branches if they did this most likely would not have happen or it would have been handle better. This is a mini branch inside of XXXX 's XXXX XXXX  they have several locations in the XXXX area. The issue is my account has charged off.Now I owe money on the credit card that is not the issue the issue is the {$30.00} payment to avoid the charge off never posted to my account the machine never printed out a receipt showing that the payment. Now Capital One Bank has sent me to an collection agency. I spoke with XXXX on XX/XX/XXXX I mentioned that there should be security footage for XX/XX/XXXX the day the payment was made a long with the other times I went back to XXXX 's XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-09
Company: U.S. BANCORP
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have disputed that there was no late payment in XX/XX/2018. The mortgage company made a mistake when entering my payment information. I have had several conversations with the mortgage company and they said they would modify to either show no activity or not late yet it remains on my file. This needs to be modified and corrected.

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 2021-12-02
Company: EQUIFAX, INC.
State: MD
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiry listed below still remains on my credit report in violation of XXXX XXXX. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE INQUIRY COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A XXXX debt collection company by the name of Portfolio Recovery Associates have filed a lawsuit against me and have negatively impacted my credit by attempting to collect debt that isnt even on my credit report and is well past the four year statute of limitations on debt collecting in Pennsylvania, most likely the debt is more that 10 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello- This is a transaction involving my Banker Capital One 360 and XXXX . I had registered on XXXX my Capital One Checking account. On XX/XX/XXXX a suspicious transaction of {$530.00} was noticed on my Bank account. This amount was withdrawn by XXXX from my Capital one 360 account. Subsequently i logged a incident with Capital one and XXXX on the same day. Later on XX/XX/XXXX Capital One 360 credited this amount back into my bank account, so did XXXX on XX/XX/2020. So i received a double credit from both the financial institution. I had to refund the amount back to XXXX Instead of enabling the process the ACH freeze had been put on my account and iam unable to transfer the amount back to XXXX. Reached out to my Bank Capital one and they pass the buck to XXXX and XXXX back to the Bank. I get reminders on the email to credit XXXX with XXXX, which i want to. However, because of ach freeze on my checking account, iam unable to do so. 
Have been a longstanding customer with both the financial institutions over 10 plus  years. This is the first time iam encountering such utter customer dissatisfaction. 

They are refusing to provide basic service and it is appalling. 

regards XXXX XXXX

Company response to consumer: Closed with explanation