BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-19
Company: JPMORGAN CHASE & CO.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I work for a XXXX company and while they do direct deposit my pay check my expenses are paid in US funds by check drawn on XXXX. Of note, there were a couple of XXXX branches located in the metro XXXX area until a few years ago. When I deposit them I do have to use a teller. About a year or so back I deposited XXXX that was over {$5000.00} and got hit with a large fee which no one in the local bank was aware of. 
On XXXX XXXX, 2016 I went to deposit XXXX checks which did total over {$5000.00} and spoke with bank staff and asked if I needed to do them as separate deposits or what to avoid paying a fee and was told that it would be ok on a single deposit. I received a letter from the bank the next week saying that they had reversed the largest of the XXXX checks ( {$4600.00} ) and debited my account since it would require " special handling ''. When I called the customer no service listed on the letter she told me that the local branch was wrong and that I had to pay the fee. When I asked for the check to be returned I was told that the process could not be stopped. According to XXXX they transferred the money to Chase on XXXX XXXX but it did not appear in my account until XXXX XXXX and the deposit was less than the debit. When I went to the branch on XXXX XXXX and asked why the amount was reduced they did not know and when the banker called to get the reason he was told the wait time for him to speak with someone would be 40 minutes. At that point he did reverse a {$45.00} international collection fee and I left. I received a letter from Chase XXXX XXXX stating the deposit was reduced by {$90.00} stating the reason was " Foreign Currency Paid ''. I called the customer no service listed on the letter since the check was made out to be paid in US currency and was told that what the letter stated as a reason for the fee was wrong and it was because XXXX charged Chase {$90.00} to cash the check. I was told that the local branches are not aware of the fees since they do not handle many foreign checks. 
I have already opened a new account with a credit union and will be closing this account as soon as the last check clears and will also be moving my mortgage to a new lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX/XXXX/16 I arranged for a payment to be withdrawn from my bank account to Chase for the amount of {$100.00} to be posted on XXXX/XXXX/16. I was unable to get the money in my bank account so I cancelled payment online on XXXX/XXXX/16. I received email confirmation of the cancellation. However, on XXXX/XXXX/16, my bank showed NSF fee for {$28.00} due to Chase crediting my bank account {$100.00}. I contacted Chase and they said they had no record of my cancellation. After many " secure messages '', a few phone calls, and having screenshots of my bank statement, cancellation page from Chase.com, and the cancellation confirmation email, they were persuaded I had indeed cancelled that payment of {$100.00} ( which I made two days later ) and that I was due {$28.00} for the NSF fee. COMPLAINT # 1 : When speaking to Chase, they refused to send the {$28.00} back to my bank which I had to pay. Instead they insisted it had to be put on my CC balance. The lady stated " it still goes back to you ''. On the contrary, they closed my CC and I do not have access to it. They put it on my CC balance, but it did not go toward my next balance due date either. I WANT MY MONEY BACK IN MY POCKET OR BANK ACCOUNT! COMPLAINT # 2 : After looking through my bank records and seeing payments to Chase, my credit report, and the fact I had to prove I canceled a payment, I would like to call into question the security of Chase 's website : electronic payments, personal info., credit reporting, etc. I dispute ALL information Chase has reported to all XXXX credit bureaus and would like CFPB support. If Chase can lose one cancelled payment and claim it has NO RECORD AT ALL, it is reasonable to say that other information could be missing and/or could have been mishandled that is negatively effecting my credit report at this time. In addition, I am questioning my balance due and other charges that have been placed on my CC. Since Chase has closed my account, I would like CFPB support to clear my credit report of any record with Chase and push for a balance due of {$0.00}. My records indicate that the balance is not even half of what Chase states it is now. In conclusion, my complaints are directly from Chase 's incompetency in quality assurance, customer support, and customer/website security. I would appreciate your help in this matter, thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-25
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Arbitration

Complaint:
XXXX refunded an alleged fraudulent purchase made by me without investigation, and locked me out of an account so that I could not re-purchase. This caused a dangerous situation, and I need this credit back. 

On XXXX XXXX, as an authorized credit card holder, an authorized user to make purchases, with my own card that included my name, I paid a bill with XXXX. Two months later ( a few weeks ago ), the charges were REVERSED FOR FRAUD! This was NOT FRAUD!!! This put my balance at XXXX $ with late fees and terminated my service AND prevented me from making payments using credit cards in the future on my tmobile account as they think I am a criminal @! 

Without some proof of " unauthorized use '' ( which is impossible if i was an authorized user and was permitted to use and pay the balance in the past ) i should not be subject to a conviction for unauthorized use under Federal or State laws which include as an element actual, intentional, unauthorized use. 

HOW does a charge get refunded over TWO MONTHS LATER!? ARREST ME! I MADE THE CHARGE, IT WAS NOT FRAUD!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: Platinum Holdings Group, LLC
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
collection agency called my place of employment and asked receptionist to transfer them to my manager. Company proceeded to interrogate my receptionist until I was able to take the call. Once I spoke to the rep he yelled at me stated he was in process of garnishing my wages and filing a lawsuit unless I paid {$500.00} of a {$700.00} debts that is over 6 yrs old. If I did not agree to terms they stated I would be arrested at my job. I tried explaining that this was the first time I heard of this debt. Person continued to yell and when I asked for their name and name of supervisor I was told that I need to learn to pay my bills. I asked the rep to stop speaking to me in that manner and he continued to talk over me and yell. I explained that I had never been contacted on my personal phone and even provided number and rep continues to call my employer asking to speak to anyone who works with me. They also threated to call my HR director to tell her I do not pay my bills and start garnishment process. They even said everyone in my agency will know I do n't pay my bills. I got very upset and told person on the phone that I can not continue to speak to someone so disrespectful and hung up. The company kept calling me back and yelling at me. I have never in my life been spoken to this way. I am concerned as they stated they are calling back to speak to the head of my company. Company wanted me to set up payments of an amount I could not agree to and I was told " What is wrong with you? You ca n't afford {$70.00} bucks a month and you work. What kind of job do you have. '' At this point in conversation I declined to speak to them and hung up. they have since called my place of employment 3 more times in one day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Without my knowledge a 'fraud alert ' was put onto my credit profile. This has made leasing a vehicle and accessing any credit increases very difficult. My bank advised me to contact each reporting bureaus to have my phone number added or to remove the fraud alert from my account. 
Upon trying to contact Transunion on XX/XX/21, the teleprompter took me in circles over and over and over again with no option to remove the fraud alert. I then attempted to use the online chat. The chat representative asked me to hold and never came back therefore timing the chat feature out and closing it. This happened three times. They have made no venue to contact them regarding this matter as you can not speak to a representative and there is no option on their teleprompter. The chat for help feature had the same response each time, 'Please wait a moment while I research this ', and the person never came back. 
This is very frustrating that I am unable to increase any credit limits or get any new credit extended because of the fraud alert that I am unable to remove.

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 2021-05-11
Company: EQUIFAX, INC.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this company is reporting inaccurate and unverifiable information on my credit report. They are also in violation of the HIPAA by claiming to have information about any hospital records they they are not allowed to obtain. They are violating my FCRA and the FDCPA because they need certain records to be able to place a collection on someones credit report. They must be able to present a verified address verification items such as full ssn proof of the collection ownership a contract that is sign with my signature as proof of this bill also they must show what was this bill for in order to do that they would need access to records that they are not allowed to access by law so they must remove this XXXX from the other 2 credit reports immediately it was proven to be unverified by XXXX  and yet they still have it showing on my XXXX and equifax accounts i want this removed immediately or i want to see all proof of this collection and if I do not recieve a response in the proper timing you could be fined XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27
Company: JPMORGAN CHASE & CO.
State: MS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
in 2012 I received notice from chase mortgage that my insurance underwriter moved out of XXXX My mortgage, in effect, doubled. It was approximately 4 to 5 months that had passed when I realized this had occurred and my payments were being held in suspense and I was being penalized. I paid a higher rate for several months, being assured that everything would be okay at the end of that period. It is not. I am in an escrow spiral I can not get out of and they are demanding over XXXX dollars a month starting XXXX. 

I am a mother of XXXX kids. It is XXXX. They will not be receiving payment. I have tried several times to pay them and they will not accept anything less than this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: Navient Solutions, LLC.
State: NE
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
None of my Federal loans are in default and I had no idea they have been that way for the past three to five months my private student loans have been in default for over a year and they never sent me any documentation to let me know and now the turn my credit score down to XXXX and I have no idea that I could get that low. So now I ca n't even get a loan to get an apartment so I can get my own place. I think because they defraud me of my education in the classes were so poorly managed that they should just eat the loans that they have for me and wife might get out of my student loans completely. Oh yeah I went to XXXX XXXX by the way

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card
Issue: Billing disputes

Complaint:
I have had a XXXX XXXX for many years. I have also had an automatic payment withdrawn from my checking account for years after signing an agreement with the credit card company. Earlier this year I made a substantial purchase using a low interest propmotional check. XXXX billing cycles later I received notice that my account was overdue and I was charged a late payment fee. Customer service informed me that I would have to fill out a new automatic payment form which I did but not without complaint since I already had the automatic payment on my account.. They did drop the late fee. The next month, in XXXX of 2015 I made a telephone payment. At the time I asked the customer service representative if the auto payment would be in effect for the next billing. I was assured it was. On XXXX XXXX, 2015 I received a telephone call from a XXXX representative informing me that my account was overdue and was being turned over to collections. I informed the representative that I had auto pay. She stated that my auto pay had been discontinued because I had not used the card for a few months. She was courteous but unresponsive. When I asked her when the payment was due she informed me that it was due on XXXX XXXX, XXXX days previous. It was at this point that I asked to speak to a supervisor. She seemed disappointed which led me to believe that she was working on commission. The supervisor stated that due to a recent " conversion '' they were having problems with their automatic payments. She adjusted the late payment fee stating it would be removed from the account balance.She told me I would be required to send in another form for auto pay. I had an automatic payment large enough to pay off the purchase before or soon after the promotional rate expired. I believe XXXX is purposely violating the auto pay agreement in order to nullify the low promotional rate. In all the years I have had this card I have never had a late fee. 
At present I am not sure weather I still have the promotional rate or not.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Filed complaint number XXXX. National Credit Systems replied to CFPB that this is not their account. If this is their response then their mark on my credit file should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Please update my personal information on XXXX XXXX, Experian. 

My only address is XXXX XXXX XXXX XXXX, VA XXXX. 

any other addresses do not belong to me and 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 non-monetary relief
Consumer complaint received 2021-05-11
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Please update my personal information on Equifax, XXXX XXXX 

My only address is XXXX XXXX XXXX XXXX, VA XXXX. 

any other addresses do not belong to me and need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: GMA Investments, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Summit Receivables is trying to collect a debt that my relative owes. In order to get me to call them back, they are making false claims that my checking account has been hacked. I have proof of the following voicemail messages left by Summit Receivables : XXXX/XXXX/16 ( XXXX p.m. Central Time ) : " This is XXXX from Summit Receivables. I 'm contacting you regarding an automatic withdrawal that was authorized on your checking account and I just need to verify some information for security purposes. I can be reached at ... '' XXXX/XXXX/16 ( XXXX Central Time ) : " This is XXXX from Summit Receivables again. Still trying to get in touch with you to verify some information on this automatic withdrawal on your checking account. Please contact me back at your earliest convenience so we can confirm that you DID authorize this transaction. You need to contact me back at ... '' XXXX/XXXX/16 ( XXXX Central Time ) : " Hi. I 'm calling from Summit Receivables and I 'm currently conducting an audit on your file in my office. It seems that you had a conversation with a representative here in another department and some of the notes kind of put you in a negative light. I really wanted to speak to you to give you an opportunity to respond on your own behalf and to let me know if there was anything that I can take into consideration before I do turn in my recommendation. I do n't have a lot of time to try to make contact with you so I 'd really appreciate a call back as soon as you get this message. Let me give you my number ... '' XXXX/XXXX/16 ( XXXX. Central Time ) : " This is Summit Receivables. I 'm calling regarding a letter that went out to you that may concern you. I did want to talk to you briefly. Give you a chance to respond to this letter. Do give my office a call as soon as you get this message. I did want to give you a chance to respond to this on a voluntary basis. I do have to render a decision on this file very soon so it 's very important that you do return this call as soon as you get this message. You can reach me at ... ''

Company response to consumer: Closed
Consumer complaint received 2017-03-22
Company: Revenue Assistance Corporation dba Revenue Group
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent a request for validation by certified mail to debt collector and a request to limit communication only to writing and the collector has not responded to both of my requests and continues to call spouse 's phone to collect. I still have no validation of the alleged debt and collectors are still pursuing failing to comply with the FDCPA section 809 law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Navient failed to notify me of my student loans going active when i was between semesters in school. i wrote them a certified letter that they received on XXXX XXXX 2017 and never received a response. i called them on XXXX XXXX 2017 to have the late payments removed due to their failure to respond and they lied to me saying they did and they were not going to change the reporting. after arguing and getting nowhere i hung up. then instantly after hanging up the phone i log on to navient and have a messge dated for XXXX XXXX. with a letter back dated to the XXXX. either way they never did it in the 30 day period they had, continued to live to me, and didnt make the correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My father 's Bank of America debit card was used in a XXXX XXXX XXXX while he was in a XXXX We have filed at least XXXX complaints about {$37000.00} in charges from his bank account with Bank of America. We have provided a letter from the hospital naming the person who used the card, provide notarized copies of his signature and the bank keeps telling us that these were authorized charges on his debit card made by him. We have been fighting this battle with Bank of America since XXXX XXXX, 2015, when my father passed away in XXXX XXXX. They also paid alimony payments from his bank account after I froze his account on XXXX XXXX, 2015. I have done everything within my power to try to retrieve these funds that were gotten nothing but letters stating that these were signed by my father. I feel that it is unfair that a large bank can get away with stealing over {$37000.00} from a deceased person 's bank 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 2016-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I set up a personal checking account with a bank XX/XX/XXXX. I had been " taken '' by a scam artist who wired money into my account, but later, after the account was " purged '' the bank produced an actual check made out to me and had supposedly my endorsement on the back. After the bank and I realized I had been " taken '' the manager informed me that I would n't be responsible for the loss but to make sure that this never happens again.I gave the manager as much detailed information about the man, along with contact information, as I could. I was instructed to file a police report, which I did online and received a case number. THIS IS MY COMPLAINT. XX/XX/XXXX, I went to open an account with another bank and I was declined. I requested a report from ChexSystems, which is who they verify possible new customers information with, and I see that I am on ChexSystems for SUSPECTED FRAUD ACTIVITY, Closure Status : UNPAID Original Charge Off Amount : $ XXX.XX with the bank that I had the issue with the scam artist. This is frustrating because I was told not to " worry about it, just file a police report ''. ( XXXX XXXX PD. XXXX, is the case number ) Well, now I 'm having to " worry about it ''. When I attempt to call their customer service line, I am on hold indefinitely. Luckily, I have an account opened with another bank, which I had opened before this mess, but I should not be in ChexSystems since this was a case of Fraud Activity and the account was purged. I do not have a history of doing such acts. This must be resolved.

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