BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I am writing to inform you of recent fraud that had occurred on my business and personal accounts. On Monday XX/XX/2017 I was called and alerted to fraud on my business account ; at the time there were XXXX charges in question, amounting to roughly {$1000.00}. I had asked the chase fraud agent at the time to cancel this card and XXXX of my other credit cards that were seemingly missing. But somehow the person committing the fraud was still able to rack up an additional {$9000.00} in charges after my business partner and I had canceled the card with them. And additionally made charges on my personal accounts which I had to call back and dispute later. 

The question at hand is how were they able to charge and additional {$9000.00} when the account was told to be closed. Secondly I was advised by the first Chase Bank agent that the money would be back in my account within 12 hours. Earlier this morning when speaking with a supervisor I was told that it may take up to 48 hours. And then later upon speaking with a Manager I was informed it may take up to 10 days. All of which are completely unacceptable as the fraud should have never increased from the original XXXX charges. 

We eventually recieved our money just to have it withdrawn by Chase Bank again two weeks later. when asked the reason for taking the money out they told us " it was do to account activity after the said issue '' .. we explained we still have other cards with different numbers that were not affected by the fraud and that should have no bearing as the card was cancled, not the account. 

I have written multiple emails and may business partner has been calling multiple times without and response or help. By phone we just keep getting told its in legal and that there is no one to talk to. I could maybe understand wanted to still investigate the first 3 charges, but the charges that occurred after we had both spoken to a representative and canceled the card is absolutely ridiculous. How are we responsible for banking negligence? 

I am a XXXX with several business accounts and personal accounts. I am reliant on that money to pay employees, rent and vendors. I know Chase Bank has always been a strong supporter of XXXX banking but their seems to be something seriously wrong with this process. Should I inform my employees that there will be no pay checks this week because someone did n't stop the fraud on time? 

best

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have inquires on my report that do not belong to me and I have filed an identity theft affidavit and provided it to the company yet they remove to remove tne fraudulent inquires XXXX XXXX XXXX  XXXX XXXX XXXX XXXX They all.need to be removed

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 2017-05-27
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My bank has put a mark on my checking account report, therefore I can not open an account with another bank. The improper use is this : they are charging me a monthly fee of {$6.00} when they know I am unable to shop around for the best checking account deal. If I close my account, then I will have no checking account.

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 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
On XX/XX/2022 XXXX placed Account # XXXX as a charge off on my credit reports; dropping substantially my Credit Score. 
On XX/XX/2022 I contacted XXXX regarding Account # XXXX and reached an agreement to delete this account from my credit file on the XXXX Credit Bureaus XXXX XXXX XXXX TRANSUNION & XXXX ) XXXX I am attaching a letter to support this claim. This letter states that the account # XXXX has a zero balance and no further payments are required. 
On XX/XX/2022, I sent Certified mail to each reporting agencies ( XXXX, TRANSUNION & XXXX ) with a copy of the letter provided by XXXX stating that the account was satisfied and requesting removal from my credit report. 

On XX/XX/2022 my Credit Report showed removal of the Account # XXXX from the XXXX credit Bureaus ( XXXX, TRANSUNION & XXXX ) On XX/XX/2022 my Credit Report, shows that account # XXXX from XXXX was placed back on my credit report, stating a balance of {$2700.00}. 

In accordance with the Fair Credit Reporting Act SUNTRUST/TRUIST acct # XXXX the credit bureaus violated my rights with reporting inaccurate information on my credit report accounts.

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 2022-03-21
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I requested on XX/XX/2022 that the XXXX credit buearus provide information on how they verfied certain items on my credit report that I feel to be inaccurate. They have to respond. It has been over 30 days.

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 2016-03-15
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card
Issue: Other

Complaint:
In XXXX, I opened a " healthcare '' acct with Chase with promotional financing. They closed that portion of their business in XXXX, I believe. In XXXX, I managed to finally pay off the entire amount before the end of my " promotion. '' A few months later, I was cleaning my office and found my very first statement from that account. I went online to look at the rest of my statements and could only go back to XXXX XXXX. I then asked repeatedly for the statements from XXXX XXXX XXXX and then from XXXX XXXX XXXX. I received copies of the missing statements. Later I received " copies '' of my statements from XXXX XXXX XXXX. Immediately my account was removed from online access. Well, I actually already had my statements from XXXX XXXX XXXX. The statements I received from Chase were " different. '' So my promotional financing had been to " PAY OFF MY PROMOTIONAL PURCHASE BALANCE IN FULL BY THE PROMOTION EXP DATE TO AVOID PAYING ACCRUED DEFERRED INTEREST CHARGES. '' The " NEW '' copies no longer had the " promotional financing '' written on them because ... CHASE NEVER DEFERRED my interest thus it NEVER ACCRUED. So I ended up paying {$1500.00} in interest, TWO EXTRA YEARS of payments approx {$3600.00}, & working extra hours while I was in school to make those payments. Well I would have actually been okay with Chase just refunding me the amounts and admitting their mistake, but then they decided to commit " FINANCIAL FRAUD. '' I made a complaint on XXXX and their representative, XXXX XXXX, tried to tell me how I did not understand how the promotion worked. Well I consulted around and then noticed my paypal credit statement. SURPRISE!! I knew I was right. AMAZING how a XXXX DOLLAR company would rather commit a Federal Crime, I believe the FBI label it as " WHITE COLLAR CRIME and FINANCIAL FRAUD '' instead of just admitting their mistake and paying the accidental overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: CA
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 was talking to a lender over the email and he pulled my credit without my consent or written approval. Upon asking for reason he mentioned its in disclaimer and ignored to help with the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: SYNCHRONY FINANCIAL
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:
XXXX sent me defective merchandise and authorized the return, but refuses to give me the return info until I cancel the dispute with the credit card company. Once they get the return and accept it, I will gladly cancel the dispute. 

I think its against federal law to blackmail to cancel a dispute to honor a return that they already authorizzed.

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 2016-11-01
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
We have attempted to wire money to a escrow account for two days without success. 
The first transfer attempt failed because the account number was improperly submitted, the second attempt we were told was a failure to initiate the transfer after the account numbers were corrected. We have traveled more than XXXX XXXX miles in an effort to correct the problem, plus have made several phone calls without the problem being corrected, just promises that were that were not kept.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-21
Company: Experian Information Solutions Inc.
State: KY
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:
My Name Is XXXX XXXX After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/XXXX XXXX I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding XXXX  bills that I possess, and I am seeking the name and XXXXXXXX provider to which I owe the debt and a detailed breakdown of the fees that I owe. The COLLECTIONS NAMES ARE XXXX XXXX THE FIRST AMOUNT OF XXXX $ THE OTHER AMOUNT IS XXXX $ Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information You have 30 days to respond this letter with all this proof I requested or delete this collection from my 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 non-monetary relief
Consumer complaint received 2020-03-11
Company: CNG FINANCIAL CORPORATION
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I started receiving calls today and they were taking about garnishing my wages. The lady said that they are calling about a line of credit that I have with Check and Go. I told them Ive never heard of Check and Go. Then, she hung up on me. I have not conducted any online financial business with any Check and Go. 

( XXXX ) XXXX Is the phone number I was called from.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
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: Account information incorrect

Complaint:
XXXX XXXX 's account was charged off in XX/XX/2017 and since then it has been reporting monthly as a charge off. Also all three bureaus are reporting different information and that which is a violation. I have written letters to all three bureaus asking that this account be removed for the violation and wrong information, and Experian and XXXX are still reporting the account. Since my last complaint to XXXX they said they were unable to verify my address or identity. Since then I have sent my ID and a utility bill reflecting my current address.

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 2016-06-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
We have learned that JPMC acquired the banks but it was not a " Merger '' so therefore this was not a Financial Qualified Contract. When WAMU collapsed, JPMorgan Chase became the servicer. When we made queries about the new owner, JPMorgan Chase claimed that they purchased the loan however they did not provide verification. They sued us and said they sold the mortgage to XXXX XXXX, who we found out was another debt collector. We wrote to them to verify some information and the collusion and fraudulent documents continued. XXXX then flipped it to another subsidiary of their company. When we called the FDIC and the XXXX, they XXXX referred us to CFPB because this is all debt collection. Additionally, we learned that Washington Mutual Bank XXXX ceased to exist XXXX XXXX, 2005 however our mortgage was made in XXXX 2005. Our daughter worked for WAMU and Chase and she continued to make these mortgages and no one ever told her that the company was no longer in existence. Please see our attached report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We have received multiple calls from an XXXX number claiming to be Wakefield that just says it is related to debt collection. We do not have unpaid debt with anyone. I think it is a fraudulent call and therefore am not calling them back. 
The caller Id shows as ( XXXX ) XXXX, but the message says to call them XXXX, which is Revenue Recovery Corp, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Text of voicemail : We have an important message from Wakefield and Associates. This is a call from a debt collector. Please call XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
RESTITUTIONAND other attempt to collect debt not owed ID THEFT never resolved. USAA rep harrasses with, WE KNOW YOU HAVE MADE PAYMENTS ON YOUR DEBT. 
*** I made payments because USAA LIED TO ME FOR TWO YEARS *** CLAIM8NG USAA PERMANET CREDITS WERE MADE TIMELY THAT DID NOT EXIST. 
Fooling me PRETENDING TEMPORARY CREDITS WERE INCLUDED IN TOTAL CREDITS ** AND THEY ARE NOT TO HAVE 2 CREDITS ONE PURCHASE. Providing a way to create ALL THOSE CREDIT REVERSALS telling Consumer I HAD 2 CREDITS FOR ONE PURCHASE SO USAA TOOK THEIRS BACK. ** ONLY PROBLEM WAS USAA NEVER GAVE THEM TO TAKE BACK ** Yes, USAA YOU POWERED OVER ME MAKING ME PAY YOU. Abuse of Power is  Dangerous Abuse. YOU DESTORYED MY CREDIT YOU STOLE MY SOCIAL SECURITY YOU NEVER MADE GOOD FRAUD REPORTED XX/XX/XXXX - XX/XX/XXXX. AND DEFAMATION RE : XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2016 NetCredit allowed someone to fraudulently apply and receive a loan in my name in the amount of {$5800.00}. When I found out about the loan I called the company and informed them as well as filled a police report. I have filed a Identity Theft Report with the Federal Trade Commission and reported it to the credit bureau 's. Netcredit would not do anything about the fraudulent charges and has since sold the debt, which was still in my name to other debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: NJ
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 requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is XXXX percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The debt owner is XXXX XXXX XXXX XXXX. They have been attempting to collect on debt that was discharged in a Chapter XXXX bankruptcy. I have informed numerous 3rd party collectors of this but XXXX just sends a new collector later. The last one closed their case and said they would inform XXXX after you contacted them Now XXXX is using Resurgent Capital Services in another attempt to collect on a debt they have been informed is no longer owed. 























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Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: JPMORGAN CHASE & CO.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was in search for an emotional support dog and came across a beautiful pup named XXXX. everything seemed legit, they even sent me a binding contact to sign. So I paid the {$840.00} on XX/XX/2022. The following day they sent a shipping invoice, so again everything seemed legit until the shipping company started sensing {$1500.00} from me for a crate for the pup. Of course I didnt pay that and asked the seller to cover the cost. They said they wouldnt and would give me a refund. No refund since.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: Data and Contact Management Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DCM of phone number XXXX XXXX XXXX ) XXXX, called me regarding my recently deceased mothers debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX/XXXX/XXXX we were looking at XXXX online exploring availability of show tickets and saw prices for a show that looked like a good value. When we entered our credit card information and selected the tickets the purchase was " XXXX '' back to us at a price ( {$760.00} ) far greater than we thought we were agreeing to. We tried calling XXXX but could not reach a " Supervisor '' as we were told we must. Despairing of that XXXX, we called Chase Credit Card and told them the problem. Chase closed the account, issued us a new card/account # and said they would " investigate. '' After we exchanged letters and phone calls with Chase numbers of times they announced on XXXX XXXX, XXXX that " as a result of our investigation, the charge is considered valid. '' I have written to Chase on XXXX XXXX, XXXX and again by Certified USPO Mail on XXXX XXXX, XXXX asking for the details of their investigation. No answer has been provided. I 'm asking the FTC to require Chase 1 ) to provide copies of proof that I owe XXXX {$760.00} or 2 ) Credit my account for {$760.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
Conns is calling me at XXXX collecting a loan payment that is only a 5 days late and it 's only late because I 've been traveling for work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21
Company: Spring Oaks Capital, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Spring Oaks Capital SPV , LLC is trying to collect {$8400.00} from me. I have never had a loan with them and never owed anyone that amount of money

Company response to consumer: Closed with explanation