BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-20
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I received paperwork in the mail in an envelope marked as Chase bank about two months ago. It included a XXXX and an XXXX form. These forms were accompanied by a letter claiming that I needed to fill these out and return them to Chase Bank or my credit card account could potentially be closed. This all seemed very scammy to me so I called Chase to Verify. Long story short, I spent over an hour on the phone with about XXXX different people from Chase Bank. The first XXXX told me these documents were not sent by the Bank and that I should not fill them out and that my account was n't notated in any way that forms were required. The last person I spoke with said he recognized the forms and that they send them out for information verification but that my account was n't notated to need the forms. I was reassured by this person several times that my account would n't be closed and there was nothing further I needed to do. The organization and confusion level of this company astounds me. No one could verify that these forms were legitimately sent to me. Now here I am, two months later, with a closed account. I was never notified of the account closure. I used the card a week ago and noticed it was closed when I went to pay it yesterday. I did n't receive an email or any form of notification for that matter. When I called Chase to complain, I did n't even receive an apology. The person I spoke with informed that I received bad information from those that I spoke with at Chase and that my account was closed due to failure to send in the above mentioned forms. He also informed that the only way to get my account reopened was to mail them this information and continue to call and check on my account. He stated that they would n't be calling me and that I would personally have to push the issue. This whole situation is laughable and I would never have fathomed that JP Morgan Chase would have such pitiful customer service. I have never paid late on my account and have been a loyal customer for years. They should treat their customers better.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
Company: SUN WEST MORTGAGE COMPANY, INC.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Because of one simple mistake the company is making me to make payments through XXXX XXXX very difficult for me to do. I made a payment but forgot to move my funds from saving to checking the next day I notice what I have done wrong and submitted the payment. I am ok with them charging me for bounce check but not punishing me for a simple and honest mistake

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: The CBE Group, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Again this company has listed I owe the following which is not verifiable I have disputed and requested several times with nothing being received. Please help I want these inaccurate remarks off of my credit file The CBE Group # XXXX The CBE Group # XXXX I do not owe

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
State: NY
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 always had a good credit score, pay credit cards regularly ; therefore, I never check my credit score. In XXXX, I saw my credit score decreasing and notice a fraudulent account that I have never opened on my record with XXXX XXXX. I reported it via XXXX and today received a confirmation that the information is accurate. I called this company because I am not aware of what type of account it is and what this bank even is. 

I am in the process of buying a house. This fraud prevents me from doing so, causing sufficient amount of pain and suffering, while it does not seem XXXX adequately investigated my fraud report. 

I have never opened an account with XXXX XXXX, I am not aware of this bank, never communicated with this bank, neither via mail nor otherwise. I have never thought their credit line, and I am not interested in their services. I have significant amount of credit cards enough to satisfy my needs, and I have always been diligent with paying for my credit cards. 


I have nothing to attach to this complaint because I have never opened such an account. The only thing I can report is a mistaken decision by XXXX to complete investigation without changes to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: Allied International Credit Corp., (US)
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
I received a letter from Allied International Credit Corp stating I owe XXXX. They tried to get personal information from my XXXX account. The person on the phone ask me was my user name XXXX and I said no. She said we need your user name. I told her that XXXX told me not to give this out. I called XXXX and they told me it is a scam. XXXX stated that I do not owe them anything and that XXXX is not a user name with XXXX. I did tell this company that I could not owe XXXX anything because my payments is auto. They ask me did I sell XXXX computers and I said no but I sold SAXOPHONE. I wish I did not tell them that. I beleive this company is trying to collect under false pretense and trying to collect on accounts. XXXX said they do not use them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed these erroneous accounts with the credit bureau and each and every time they come back as verified with proof that these accounts are mine. I have been a victim of identity theft and I also reached out to the collection agency per the email on XX/XX/2020 and XX/XX/2020 to PRA dba Portfolio Recovery Associates at this email address : XXXX on several occasions requesting : a copy of the original written agreement between the parties, such as the loan note or credit card agreement, preferably signed by me, if the account has been sold to another creditor, then that credit must prove that it has the right to sue to collect the debt. This usually means producing proof that the debt was assigned to PRA dba Portfolio Recovery Associates. Often such proof will be a bill of sale an " assignment '', or a receipt betweent the last creditor holding the debt. Portfolio recovery association is a third party collection agency and they do not/should not be abiding by FCRA laws. FDCPA laws are the laws for third party collection agencies. Portfolio recovery sent me a copy of statements in which I clearly stated that A COPY OF THE ORIGINAL CREDIT CARD AGREEMENT BETWEEN MYSELF AND THE COLLECTION AGENCY/CREDITOR WITH MY SIGNATURE ON IT was the first sentence in the email I requested in the beginning of this dispute.Also, while disputing I stated if there is any negative information on my credit report regarding these fraud/erroneous accounts they need to be removed immediately! I requested this information on XX/XX/2020 and still have not gotten what I requested only a pre-made letter stating verified from the credit bureaus and a copy of some credit card statements that does not pertain to me. Copies can be made from anywhere I need original documentation which Portfolio recovery failed to do. I have screenshot part of the emails that I sent to PRA dba ( Portfolio recovery associates ) and attached as proof that I emailed this collection agency. If the entire email can be forwarded to CFPB I will do so if needed. Remove these 3 accounts immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been working with ocwen for the last 8 months every time I send them some papers they called an tell me they need something else I get so upset at them they also tell me that they can change my monthly payment an they just keep chargeing us more an more my home was XXXX an now they say I owe XXXX an that 's not right can some one please help me I get so tired dealing with them they tell me every time they need more papers an then they say we ca n't put your back payments behind the loan I do n't understand why they ca n't an the people are very rude an some of them you ca n't understand all we want is for them to put the back payments at the end of the loan an we want them to quiet charging us intrest every month an then they told us they were going to foreclosure on our home an I told them that we want to keep our home they said they got to do what ever they need to do my nerves ca n't take much more an they will not take our payment unless we give them XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a balance of XXXX on my card and payed about {$1000.00} something back in the beginning of XXXX and my balance still hasnt updated it says that the company last reported in XXXX. I contacted the company and didnt really give me a answer just said to try and pay the full amount i even showed screenshots of my current balance. I made about two or 3 disputes to XXXX  and it did change once but it went back to saying i still have a balance of XXXX out of XXXX a couple days later. Its already XXXX and it still hasnt changed my current balance that i owe as of today is {$180.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Aargon Agency, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This message is in response to complaint # XXXX Aargon Agency , Inc. stated Proper validation letters were sent to the consumer prior to reporting the accounts. I would like a tracking number as proof that these letters were sent prior to reporting them to my consumer report.

Aargon Agency , Inc. also stated We do not own the accounts and collect on behalf of our clients whom we have business agreements with. Being said, please produce a trilateral contract that gives Aargon Agency , Inc. any lawful right to have my identifying information. If Aargon Agency , Inc. is unable to provide me with any type of contract this is considered debt parking which is a direct violation according to the FTC Act, the Fair Debt Collection Practices Act, and the Fair Credit Reporting Act. 


Aargon Agency , Inc. stated Based on the information, at this time I have concluded my initial investigation, and as a result did not find any State or Federal violations. Aargon Agency , Inc. in fact violated 18 USC 1028, 18 USC 1028A and 18 USC 894 Aargon Agency , Inc. is also in violation of my cease and desist notice by continuing abusive, deceptive, and unfair debt collection practices.

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 2015-11-03
Company: CRA Collections, Inc
State: DE
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
This company continues to call my personal cell phone and work at all hours of the day and night after being told multiple times to stop. Sometimes i will get XXXX XXXX calls a day between XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: ALLY FINANCIAL INC.
State: FL
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 received a letter of denial from XXXX XXXX for a vehicle I did not try to purchase. The requesting Auto dealership XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not on the internet with a valid phone #. My credit report was run by Ally Bank and was denied. The reporting Credit Bureaus were XXXX, XXXX, and something called XXXX XXXX XXXX. XXXX XXXX XXXX The difference on my credit was reported lower with XXXX by 200 points. I don't care about that but what I do care about is I never tried to buy a XX/XX/XXXXXXXX XXXX automobile. This report should never have been run. 
Application Number w/ Ally Bank was XXXX reported on XX/XX/XXXX They gave a phone # on the letter to call XXXX but I was suspicious of this # so I looked Ally Bank up on the internet and called the XXXX  number listed on the web. Of course they do not know anything about it and can not give me any info. They even said they did not have a complaint dept or fraud dept I could speak to ( is that even legal? ). They insisted I give them my DOB and SS # over the phone. I refused and ended the phone call. Also- I do not know who XXXX XXXX XXXX is but there are numerous complaints filed with the XXXX and disparaging remarks on the internet about this Credit Bureau . they list a phone # XXXX but it is also on the letter so I refuse to call it. This has got to be illegal and if it is, I want to know how to fixt this so I can keep them from running my credit report. I think Ally Bank and XXXX are committing fraudulent operations.

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 2019-12-09
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Back in XX/XX/2018 I entered demographic information to an online chase bank that was never responded to. I never received an account number, savings account number or debit card. So, because their were no chase branches in XXXX  I went to XXXX  to visit a branch unfortunately it wasn't accessible to pedestrians. I then saw the same offer I went to a branch opened an account when it was time for the XXXX  promotional offer if a new chase customer you get XXXX  for opening a checking and XXXX  for opening a savings account. when it was time to pay they said I had an account already the promotion is only for new chase customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-14
Company: Telsa Motors Inc
State: CA
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:
I have contacted Tesla Finance regarding my Tesla vehicle lease not appearing on my credit reports. They told me that they do not report to credit bureaus. I have no idea how that is legal. I am paying a {$2300.00} car lease payment every month and I want this information reported, earning me credit and showing my responsibility to repay large loans. The FCRA requires that furnishers of information as CRA ( credit reporting agencies ) are required to keep accurate information on a consumer report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Had a legit XXXX deposit deposited into my account. For days it sat as a ledger balance instead of available balance then suddenly bank decided that it was no good sent it back without telling me. Other issue is connecting bank with other apps. PNC will let a few go but the majority its stopped it from linking up

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: Paypal Holdings, Inc
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:
Hi, I live in XXXX XXXX. I sold a very rare collectable Military XXXX Wrist Watch on XXXX for {$3000.00} XXXX on the XX/XX/2020 to a person named XXXX XXXX who lives in XXXX XXXX. I posted the item via XXXX XXXX XXXX XXXX to the buyer on the XXXX of XXXX After 1 week the buyer contacted me on XXXX messenger and asked me for a refund. She claimed that she had not received the item. However, XXXX XXXX tracking parcel showed that the item had successfully been delivered to the buyer. 

Beginning of XXXX PayPal contacted me regarding an open case in Resolution Centre that the buyer has claimed to her bank that she did not receive the item ; therefore her bank refunded her money. Then, PayPal withdrew the money from my PayPal account {$3000.00} and asked me to deposit the deducted amount. I contacted XXXX XXXX regarding this issue and I requested XXXX XXXX  to provide me a photograph document from XXXX XXXX that is indicating the buyers signature, her name and her address. The document clearly shows the buyers signature, her name and her residential address which she successfully received the parcel on the XXXX of XXXX at XXXX am. 

Afterwards, I emailed the America XXXX  document to PayPal Help Centre Seller Protection a few times. Unfortunately, I have not received any response regarding my email yet. I am constantly receiving emails and phone calls from PayPal financial department regarding my negative PayPal account. PayPal now has transferred this case to a debt collector company in XXXX. 

This is my PayPal case information ; Resolution centre Case No : XXXX Transaction ID : XXXX Buyers name : XXXX XXXX ( XXXX ) Items value : {$3000.00} Military XXXX wrist watch Date of purchase : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
USAA Refuses to NOTIFY ME WHY?? THEY REVESED {$1.00}, XXXX CREDITS XX/XX/2019. NO NOTICE OF FRAUD OR DISPUTE NOT IN MY FAVOR?? USAA DOES NOT SHOW INTERNAL CREDIT INFO TO CONSUMERS. USAA CLAIMS ALL CREDITS ARE CREDITED I HAVE A RIGHT TO ** KNOW WHO MERCHANT IS OR WHAT CREDITS ARE ABOUT WHEN CREDITS TAKEN. HOW CAN USAA HIDE CREDITS THEY TAKE?????? I HAVE A RIGHT TO KNOW.!!! I HAVE BEEN HELD LIABLE FOR FRAUD FOR TWO ( 2 ) YEARS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Other fee

Complaint:
CHASE FREEDOM CARDThis company took it upon themselves to change my billing from US postage to some type of online internet banking without my permission. I called and told them I did not receive a statement and they said I changed it to on line billing ... THEY ARE LIERS. They credited the fees and charged interest and said they were going to send statments as they have always did through US mail. Again they pulled the same trick and did not send me a statement and are now charging me over {$43.00} in fees. WILL NOT CORRECT THE PROBLEM. I had no other choice than to close this credit card account to avoid their scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-13
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have had a bluebird account for nearly 10 years. I recently started having some of my payroll deposit put into this account. As soon as I switched this with my employer and had {$12000.00} deposited to my bluebird account, they locked my account, and then suspended my account. I am unable to access my money. They need to fix this immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-21
Company: EQUIFAX, INC.
State: NC
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 've filed a previous complaint (  XXXX  ) with you all and the status still remains open with no response as of  XXXX    XXXX ,2017  in regards to my  XXXX   XXXX   XXXX  account to be removed from credit report.  XXXX  out of the  XXXX  credit bureaus have removed it when I sent certified letters asking for the removal or proof of debt except Equifax. They have yet to respond when I sent the certified mail  XXXX   XXXX ,    2017  and they received it  XXXX   XXXX ,  2017 . I would like the account removed please. I also checked the licensing website and saw no authority for them to be collecting in the state if NC which was another concern for  XXXX   XXXX   XXXX .

Company response to consumer: Closed with explanation