BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XXXX I went to a Chase Bank at the XXXX XXXX XXXX XXXX in XXXX, XXXX. I wanted to put my savings and checking accounts into my trust which I established in XXXX. 

A personal banker - after checking with the " back office '' - told me Chase can not do that. I could not believe that Chase could not or would not do that. I asked what happens to my money in my accounts on my death? His answer was that if no one claims it the money goes to the state. 

I tried to get him to understand that my trust would enable people to access my accounts. He refused to do anything. 

I wrote XXXX XXXX XXXX, Vice President Chase Bank of J P Morgan Chase at XXXX XXXX XXXX. XXXX, XXXX XXXX. Asking her if the personal banker and the back office were correct in telling me Chase does not do that. She did not answer. I sent another letter dated XX/XX/2018. She did not reply to that letter either. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When I recently pulled my credit report I was made aware of an incorrect item reporting on my account. There is a collection showing and I have no knowledge of this account or to whom it belongs to. I've reached out to the company listed on the credit report but to no avail, I have not been able to get this issue rectified with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: Shellpoint Partners, LLC
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
QWR NOTICE OF ERROR SETTLEMENT OFFER ENCLOSED WITH SUPPORTING DOCUMENTS SHOWING XXXX 'S STAFF COMMITTING FRAUD AND TRYING TO COLLECT DISCHARGED DEBT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that COMENITYBANK/VICTORIA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Premier Student Loan Center
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was contacted by a company by the name of Premier Student Loan Center about qualifying for student loan forgiveness. Upon being accepted to a program, I gave the company my personal information to continue with the process. They explained to me that they were not an actual bank but a document processing center for banks that accept people with student loans into a forgiveness program. They then asked me for my password to XXXX and I gave them my banking information and social security number as well. I had to make 5 initial payments of XXXX for processing fees, is what I was told. The payments were set up as automatic withdraw with my debit card, I have made 3 of those 5 payments. I then contacted my actual loan service provider that is listed in my XXXX to tell them that I was only able to make half payment this week and then the other half next and was told that I do not owe any money at this point in time and that my loan was to be submitted next XXXX ( 2019 ) for student loan forgiveness acceptance. The person that I spoke with today informed me that Premier Student Loan Center was probably a fraudulent company and to not give them any more money and to immediately contact my bank and you guys.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello I am writing in regards to my capital one checking account I recently open this account on XX/XX/XXXX and when I did I funded it with two {$25.00} deposits from my current checking account via ACH in this transaction is still yet to post into my checking account. I check it every day and each day I check it it still shows as processing or pending in the savings account does not even show the {$25.00} ACH anymore. I have confirmed with my current bank that the funds have left their institution. I called capital one three times to try and resolve this the first time I was told that I needed to verify two deposits that were made into my current checking account one was in the amount of {$.00} and the second was in the amount of {$.00} I verified the deposits over the phone with the representative I was speaking with and she told me that the funds with now post into my account within 1 to 3 business days. Its been three business days since that phone call so yesterday I called and spoke to a representative her name was XXXX and asked where my deposit was and she said that she could not see the deposit at all. I again told her I can see it on my end its worrisome that you can not see it in yours. At that point I requested to speak with a supervisor or manager and she stated to me that her name again was XXXX and she was actually a supervisor on duty. Again this is very concerning to me as myself being a consumer and having access to my app and being able to view the deposit is processing and her being a supervisor within the financial institution supposedly posting this transaction who is unable to locate it. I have also sent emails to the executive office I have tried reaching out to their CEO and their chair people and no one has responded to my emails. I did advise in my email that if no one made contact with me I would be pursuing a complaint with their regulators and still no one had the courtesy to reach out. I know the deposit is only {$25.00} but the fact that no one can find it is alarming because I have my direct deposit set to go into these accounts I also wanted to have a relationship with the company that I have credit cards with thinking it would be best. But I am now questioning my decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: Utah System of Higher Education
State: NM
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
This morning I received a call from XXXX of the Utah Higher Education Assistance Authority -- a collection agency contracted by the state of Utah. He contacted my employer for garnishment on A LOAN THAT NEVER EXISTED. 

He had my name wrong, my SSN wrong, said I attended XXXX XXXX University ( never did ), that I owed {$250000.00} ( never took out a loan ), and that Ive been in default since 2007. All wrong. Since I didnt cooperate by giving him my true information he said he was issuing a garnishment order on my pay. He was belligerent and didn't care that all his information about me was wrong. 

I called another person at his agency, who confirmed that he does work there ( UHEAA ). She said he violated several company rules. Then I spoke to a person from XXXX XXXX XXXX who said these companies use scare tactics to get money from people who don't owe and that it's becoming a national epidemic. 

Please investigate the Utah Higher Education Assistance Authority, as " XXXX 's '' tactics amount to coercive fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
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: Personal information incorrect

Complaint:
I received a letter from Equifax dated XX/XX/2018 confirming an address change within the last 30 days. The letter stated that if I had any questions to call the toll-free telephone number and provide my PIN. I had been a member of the Equifax security breach and had placed a security freeze on my credit file. I spoke with a representative and explained that I had received the letter and it caused some concerns since the NEW address is an address that I have lived at for the last 12 years. The representative, without asking me any information told me to disregard the letter. I replied that was not a sufficient response and wanted to know why I was receiving the letter. It had caused me quite some concern because the letter could have been fraudulent and I was providing my PIN to criminals. I asked to speak with a supervisor. 
My conversation with the supervisor was even more disturbing. She could not provide me with an explanation as to why I was receiving a letter confirming a recent address change. I explained that Equifax during the last 12 years had to have my current address on file. She was extremely rude and told me, " Why don't you call your creditors and ask them why they notified Equifax of my address change. '' This made me even more concerned. I asked how can anyone but me contact Equifax to change my address. Even so, any of my creditors within the last 12 years would have had my current correct address. 
My complaint is that even with all the troubles Equifax has had within the recent years, they are still doing nothing to protect individuals personal credit files. When contacting them, they are not helpful. Their representatives are extremely rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I tried multiple times to put my account in economic deferment because i had no job. I was not able to. Then once i got a job and tried to set up so i could pay some money they wouldnt allow me to. Then they tried to garnish my check in which i tried to set something up again and they told me i couldnt cause wasnt with them anymore or something to that effect. But i didnt make enough money for them to garnish my check so they took my whole income tax check in 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, I tried to withdraw {$200.00} at ATM at Chase Bank at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY location ( XXXX ).  No cash was dispensed. I thought I may have pressed " cancel '' button so I tried again, and this time I received {$200.00} ( I used the same ATM machine ). Then I checked the transactions and found out that I was charged twice ( {$200.00} X 2=XXXX  ) even though I only received {$200.00}. As I could not find any bank employee nearby, or there was no intercom, I went downstairs and talked to an employee at the customer service. He dialed and handed me the phone to file a claim. I was told that the {$200.00} will be refunded within 48 hours, which did. 
In XXXX, I received a letter saying that the bank did not find any flaw in the system and will take back the {$200.00} they refunded to me ( this was done on XX/XX/XXXX ). I was very surprised and went to the branch on XXXX between XXXX and XXXX XXXX ( XXXX ) on XX/XX/XXXX and talked to an employee there. He called to find out why I did not get my money back, and told me there was nothing I could do as the investigation was completed and the bank found nothing wrong with the ATM machine. He said even if I file a claim again, the same thing will happen and I won't get my money back. He did not offer any further help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-14
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was previously with XXXX XXXX XXXX  wherein I complained about the misapplication of my mortgage payments. See complaint # XXXX-XXXX and XXXX-XXXX. My loan was transferred to Fay servicing after XXXX XXXX stated they had sold my loan to XXXX XXXX and they washed their hands of the entire situation without answering any questions. Fay servicing was contacted about the loan, however, initially could not locate it, then finally after filing a lawsuit against Fay and XXXX XXXX regarding the upcoming foreclosure a requested reinstatement from Fay Servicing and received one and also XXXX XXXX XXXX which called for them to paid also. The borrower is being asked between the both of them for {$76000.00}, on a reinstatement figure which is no more than a little over 38K. The borrower account has been mishandled in every way, XXXX XXXX wants it both ways, and Fay servicing does not know who's on first. 
Both reinstatement figures differ, moreover, the Trustee is at question here XXXX XXXX who has requested payment for XXXX XXXX the entire time, how then are they taking the place for Fay Servicing, XXXX XXXX and now Fay Servicing is introducing, XXXX XXXX, XXXX XXXX as Legal Title Trustee for the XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've contacted lexis nexus multiple times about an accident on my consumer report that did not happen to me. I am a male and this accident happened to a female with the same name but different spelling. The person the accident happened to has a different birthday, XXXX, spelling of their first name and the accident happened in a state i have never resided or visited. They have denied my despite 3 times and this whole ordeal has cost me over {$500.00} with my new insurance company in fees. I've never owned a car untill XX/XX/XXXX of this 2020 and have never had a drivers license or driven in my life. If lexis nexis does not fix the issue at hand then I will have to use legal acton due to the hundreds of dollars I am being charge monthly from an accident that did not happen to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: RMS-Recovery Management Services, Inc.
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a call from RMS Recovery Management Services on Thursday XXXX XXXX. The female who called said I had to pay at least {$50.00} a month on the account. I had previously advised them that I could only pay {$20.00} a month. She refused to re-set up direct withdrawl monthly unless it was {$50.00} a month and would not help any further. I tried to set up the automatic monthly payments online, Again, it would only allow me to do so with a monthly payment of {$50.00} a month. Sounds like to me that she gets a commision if {$50.00} a month is paid, not {$20.00}. 

The reason it went to collections from XXXX XXXX was that, I could not afford the {$50.00} a month. If I could, then it would not have gone to collections. It was supposed to be taken care of by a student loan but I dropped classes and did not realize that would happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: EQUIFAX, INC.
State: AL
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:
Equifax is allowing collection agencies to report inaccurate information. I called Equifax on XX/XX/2018 to discuss this problem because I've disputed false information several times in the past with no action taken by Equifax. I was told to dispute once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
As Florida was declared a disaster area after hurricane Irma hit in XX/XX/XXXX, we applied for a three month forbearance on our mortgage loan with US Bank in. During this time my family and I were able to repair the house from damage not covered by insurance ( we did not open an insurance claim or asked for assistance of any kind ). My wife and I run a XXXX XXXX. We were able to get back on track to pay the mortgage in XX/XX/XXXX. We struggled after a sluggish summer in our small business and the forbearance seemed like a good idea. The bank assigned a relationship manager, which we have been in contact with. However, what I am concerned about is that we have been trying to get those 3 payments we missed to be put in the back of the loan it is becoming a mission impossible because they are treating this as a refinance or modification with stacks of papers to be submitted and financial information which is not good at this time. We have paid XX/XX/XXXX and XX/XX/XXXXpayments plus {$1000.00}, but the funds are being applied to the XX/XX/XXXX- XX/XX/XXXX in suspense account. Why is this so complicated? The time keeps ticking and soon we will be getting late fees and bad credit reporting ... how is this helping? We want to continue paying and just add the amount of the 3 months to the end of the loan. Why so much paperwork and stuff?

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 2019-01-14
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My home is in a DECLARED NATIONAL DISASTER area due to the wildfires, I have applied and requested disaster assistance and forbearance but in the middle of the review my loan was transferred to a new servicer and they will not push or hold the sale date to review the disaster request. I have tried to contact them for over a week but they kept telling me that they do not see my account information because it is in the transfer process. I have a sale date in 3 days, but I am a disaster victim. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
There are several items reporting on my credit report that does not belong to me. These items are reporting as a result of identity theft. The following items are not mine : XXXX XXXX/XXXX  XXXX - Opened XX/XX/2017 Incorrect Addresses : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX Credit XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX/XXXX  XXXX/XXXX XXXX  XXXX XXXX  XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-11-13
Company: Ivy Street Development Corp.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I recently checked my XXXX Credit Report and saw that Southern Tier Credit Collections had placed two negative late payments on my report. One for {$6600.00} and the other for {$1700.00}. Supposedly these accounts were opened on XX/XX/2018 at XXXX XXXX XXXX XXXX in XXXX NY. I have no knowledge of these bills, was never contacted regarding them and never asked for payment either by the hospital or the collection agency ; therefore the bills were never late. I have no knowledge of, or have any medical insurance claims for this date, or date range, and my medical insurance company, XXXX, believes that this may be a case of medical fraud, fraudulent medical billing or an illegal collection with made up amounts by Southern Tier Collections. I am asking that someone look into this matter. I have disputed this matter with XXXX but all Southern Tier Collections will tell the credit reporting agency is that they believe the account belongs to me. However, there has still been no attempt at contacting me ; this leads me to believe that this collection is fraudulent and I would like assistance in getting this removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Synchrony Bank performed an unauthorized unfreezing of my account and allowed miniscule money to be deposited to settle a claim regarding over charge & double charge nonetheless invoice fraud & potential fraud. 
Total initially charged 10min apart bills= ( 1 ) $ XXXX+ ( 2 ) {$770.00} = {$1900.00} Unauthorized deposit= {$200.00} Dispute was never settled. 

I ordered : Queen bed= {$650.00} Dresser & night stand= {$400.00} Deliver & tax= {$1200.00}

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