BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-13
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Issue: Other

Complaint:
I submitted a Credit Dispute directly to chase, as permitted in the FCRA. My dispute was that I am an authorized user on my fianc 's Sapphire Card, and they are reporting that on my credit. My dispute was to have them STOP reporting this line of credit to XXXX, XXXX, and XXXX as I am ONLY an authorized user and not liable for the debt. The dispute was sent to Chase XXXX/XXXX/2016 through their online secure message center. Their terms and conditions and card member agreement to not specific an address or location to submit a credit dispute to, so as such, I submitted through this channel. On XXXX/XXXX/2016, Chase acknowledge my message. The correspondence to Chase through their message center will be attached to the case file. 

As of today, XXXX/XXXX/2016, I have not received a notice of determination as required in the FCRA. They have did not need an extension of 15 days, even so, they would still have failed to provide a required notice regardless of the outcome of my dispute within 45 days. Furthermore, as it was not deemed irrelevant or frivolous, Chase provided no notice of such within 5 days as required by the FCRA. 

Chase is now willfully in violation of the FCRA. As permitted, I request them to honor my dispute to stop reporting me to the credit bureau as an authorized user. Also, I demand a payment of {$1000.00} for Statutory Damages for their willful violation. Should Chase not do so, I will seek litigation for this matter. I will seek {$1000.00} for their willful violation in addition to damages for their negligent violation as they failed to abide by their obligations under the FCRA. 

This is a blatant violation of consumer rights and is unacceptable. ( Though my documents are scanned .PDFs, the dispute with my ID/Credit Card were sent in COLOR removing an legibility issues. ) Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Bank of America promised to re-open my closed account if I provide evidence from XXXX XXXX that they did not honor my check because of signature issues and not because the funds were unavailable. The evidence from XXXX is attached and it was given to Bank of America management as an email attachment since XXXX 2016. <P/>The issue I am now having is why I keep getting a bank statement for my checking account ( account # : XXXX ), but in my online account it shows that I only have a mortgage account. My checking account was supposed to be open so that I can deposit money and pay my mortgage online without coming to the bank. Can someone please reopen my account as promised? <P/>Thanks.

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 2022-10-15
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was told I owed {$3000.00} to XXXXXXXX XXXX XXXX XXXXXXXX XXXX I was contacted by Transworld Systems Inc., the debt collector in question. I was charged on XX/XX/2022. I filed a complaint to the company saying that this was the result of identity theft. Transworld Systems Inc. is located on XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX PA XXXX. Their contact phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Became aware that a Chase credit card was opened under my identity on XX/XX/2017. Immediately contacted Chase thru Chase Card secure message service. Initial response from Chase confirmed a new account was opened but Rep refused to provide info, citing security reasons. Chase agreed to place a temporary hold on this account upon my insistence. On XX/XX/2017, I received a card in the mail for this account. I again contacted Chase Services and informed that under no circumstance should this card be activated. 
On XX/XX/XXXX, I received a letter from Chase, dated XX/XX/XXXX, informing me that a new application for a Amazon.com card was declined for being " a duplicate application. '' I have given Chase written notice thru their secure message center and have also called Chase Service to report this fraudulent activity and have consistently received conflicting info from their representatives. If I am not reporting this fraudulent activity in the proper way to assure that my identity is safe guarded or that fraudulent charges do not appear under my credit reports, please provide me with more specific instructions. I am also requesting copies of the applications that Chase used to open this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: STERLING JEWELERS, INC.
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Kay Jewelers is reporting erroneous derogatory information to all XXXX of my credit bureaus. Upon opening a Kay Jewelers account I opted in a insurance payment coverage protection plan offered by Kay Jewelers. I utilized my payment protection plan when I became unemployed & the insurance protection plan covered my remaining small balance with Kay Jewelers. Kay Jewelers reported this account as a charge-off with a {$0.00} balance & with the original creditor as XXXX XXXX. This is not accurate. I utilized insurance offered by Kay Jewelers which paid the remainder of my account well prior to this account being charged off or in any derogatory standing. Kay Jewelers failed to apply the insurance payment to my account after numerous correspondence that it would be applied and leave my account open with a {$0.00} balance. After several failed attempts to resolve the issue I learned Kay Jewelers submitted the insurance payment that was suppose to cover my Kay Jewelers account to an outside charge-off company, which is a breach of contract. Kay Jewelers is willfully reporting erroneous information to all XXXX of my credit bureaus. I will continue to document & utilize every resource to get this issue resolved. 
Account_Number : 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 2017-05-03
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX   account is showing  XXXX  days past due as of   XXXX   XXXX   and every month before that. This account has been paid for since  XXXX . This is affecting my credit of it is showing current past due.

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 2022-10-15
Company: Bay Area Receivables, Inc
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt is not mine to pay, as I am and have been a consecutive recipient of XXXX. I have spoken with the insurance companies as well as the XXXX XXXX XXXX where the bill originated. There was a mix up with the insurance however, they have corrected then matter and it is being processed but the collection agency refuses to remove the account from my credit report. 

I was unaware of the existence of the matter since the information they have is dated. Both insurance companies are listed on the date of service but there was an error that led the insurance to submit the incorrect XXXX. Since they have fixed the issue and I spoke directly with the supervisor to ensure the company timely filing for their mistake. Either way I am not liable for a bill when I am insured current and retrospectively. 

I will fax in the correspondence I have received from XXXX XXXX which corrected the issue so that the correct insurance company which is XXXX XXXX can be billed. I also contacted the XXXX directly and they sent over a letter regarding the matter and dates of coverage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-03
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In    XXXX   XXXX     , my home experienced a   XXXX    due to a   XXXX   XXXX   XXXX   in the second story which destroyed my home. After much heartbreak and emotional distraught, we dealt with the  XXXX   XXXX  trying to underpay the minimum replaceable cost to restore the house. Finally, we settled on an amount and a check was paid out on   XXXX   XXXX   XXXX     for the approximate amount of {$78000.00} to me and my loan servicer,  Ocwen Financial Corp. I sent the check to Ocwen immediately to sign over the funds to me.      Ocwen has held my  XXXX  payout to restore my home since that date. We have an agreement that I will act as the  XXXX  to restore my house, so  Ocwen  is not needed as an intermediary point of contact.      Ocwen has released partial funding but is withholding the remainder of my funds of {$40000.00 } and another check for {$15000.00}. Because of this, I was forced to tap into my Home Equity Line of Credit to restore my home. I 'm now incurring interest fees and it 's extremely stressful and daunting.

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 2017-05-03
Company: Nelnet, Inc.
State: AZ
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:
Hello, My name is  XXXX   XXXX . I have a Nelnet account : Account :  XXXX  Current Balance : {$21000.00} Past Due Amount : {$0.00} Current Amount Due : {$61.00} Payment Amount : {$61.00} Due  Date XX/XX/XXXX   I re-consolidated my loans after they were damaging my credit back in   XXXX   XXXX   XXXX    . I have made my payments on time since then. I thought that everything was being handled but I was n't told about a loan for {$3300.00} that I had defaulted on twice. My credit report is reporting the loan at  XXXX  but when I reached out to them they stated that my debt to Nelnet was at  XXXX . The  Nelnet  account does n't list the loan! They also said I could not pay it over the internet, that I had to call and pay it over the phone.     This seems extremely predatory and I will call them and work to reestablish my credit, but others like me might not be able to because of these shady practices. Please let me know if you can assist me with this. I will cooperate as much as I can.       Thanks,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited a check using the Chase mobile banking app, on XXXX XXXX, 2016. The app deposited the check twice. I called to make sure everything was okay. They deducted the amount of the check from my account. A few days later, the check bounces due to it obviously having just been deposited. The check was deposited, but I 'm out the amount of the check - Chase took it from me and is not returning it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-03
Company: EQUIFAX, INC.
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a  XXXX   XXXX  percent  XXXX   XXXX  an having trouble with Equifax. I submitted the  XXXX  to them to have a collection removed. When I called they told me to fax it to them as I did and was told it would be removed in   XXXX   XXXX   hours. I wait  XXXX  days and it was still there. I called back and then they are refusing to remove it and saying they will just keep it in my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
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: Account status incorrect

Complaint:
I have disputed the following with Equifax several times with no outcome and I do not know what else to do.       XXXX   XXXX   XXXX   #  XXXX  - Unknown and not mine, remove  XXXX   XXXX   XXXX   XXXX  - Outdated and past the statute remove

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: MNE Services, Inc
State: MN
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Company called XXXX. Hi my name is XXXX XXXX. I received a letter saying i was approved for XXXX loan. So i call them and talking to them. They said i am approved for the loan but due to my credit they said i have to come up with {$320.00}. to give them first. So that what i did. They told me to XXXX store and purchess a mycash XXXX card and put money in there. So that what I did. Now they saying they could not put money in the my account it has to send thru XXXX XXXX for me to recieve. I said ok. They the money is sent but there other fee. I have pay {$420.00}. for fee for them to sent it thru XXXX XXXX. That wat i did. Now they saying there other fee. {$340.00} for the tracking number they gave me was only good in XXXX..To unlock the tracking for XXXX. Again the wat i did. Then they saying I to have pay other fee due to my credit have to pay soical sercurty for me to able to receive the money. I 'm very honest person and nice. I do n't know wat to do I am scared now. All these fee I never heard of and I really did believe them. Please help. Pleaqs

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have applied for PSLF program with FedLoan.org since XX/XX/2017. Majority of my payments that were made between XXXX are considered unqualified and are not being counted towards XXXX PSLF payments. Payments that were made between XXXX were more ( $ ) than I would have paid under qualified plan for PSLF. 

I know classmates that are doing PSLF program that have paid {$0.00}, and payments of {$0.00} is considered and counted as qualified payments, while my {$990.00} payments are not qualified payments. 

WHERE IS THE JUSTICE???

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: STERLING JEWELERS, INC.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My husband purchased a ring for me on XXXX XXXX for my birthday. After a few days of thinking about it we XXXX decided we did not care for the band very much. So we went into Jared again on XXXX XXXX, we looked and found another band and paid more money for the different ring. They said they were able to exchange the whole item no problem. Then on XXXX XXXX, I went into the store and explained to them that we no longer wanted the ring we purchased and would like to return the item and keep our line of credit but return the item. The employee when we made our first exchange never explained to us that the diamond had 30 days to return and we assumed that that was from XXXX XXXX and they said it was from XXXX XXXX so we had passed the date by 2 days. We were never told that information until XXXX XXXX when we decided to wait on the purchase and buy at a later time. We contacted customer service on XXXX XXXX and explained the situation and when they pulled up the transactions not all the number even added up to her. They were off and she was even confused and had to ask another worker to help her figure out the situation. After speaking with her she said there was nothing they could do to help us return the entire purchase. So we decided to call the jewelry store today and say you know what go ahead and give us our ring and diamond back we will just keep it and forget we ever returned it. The employee said no problem and said it would be ready in a few hours. All of a sudden my husband receives a phone call that now we need to pay Jared another {$200.00} in order to pick up the ring again. Which makes no sense at all if no changes were made to it at all we are just picking up our merchandise again. We feel so taken advantage of by this jewelry store they have not explained things correctly several times and all their number from the transactions see To be off and now they are asking for more and more money which makes no sense.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: Caliber Home Loans, Inc.
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid my property taxes on time until I refinanced my home. My mortgage was refinanced by XXXX in XXXX where I am a resident. I paid prorated taxes to XXXX and I have documentation as proof which also contains that on top of the existing amount I pay per month, I also put the amount of my property taxes into an escrow of the company which is how it gets paid afterwards. A month later ( end of XX/XX/XXXX ) the loan was purchased by Caliber Home Loans , Inc. ( Corporate Office : XXXX XXXX XXXX, XXXX, TX XXXX ). I have been making payments promptly and on top of that I have been submitting additional payments towards my principal. Today, I received a delinquency notice from the XXXX County Treasurer, that I owe property taxes for the current year ( which where Caliber Home Loans Inc. has been the responsible party ). I called their department and I was told that they will do an investigation but WILL NOT call me back about this and basically left me on my own. They have been taking money out of my payments since XX/XX/XXXX and fail paying the property taxes THEY ARE responsible for, leaving me with penalties. Please enforce the applicable laws against such company. Took my money, do n't pay what they are mandated to pay by law and furthermore stated that they will not even keep me posted on this which will essentially allows the county to post the delinquent property address ( and its owner ) in the local newspapers. Thank you and XXXX Bless!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: HW Holding, Inc
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Per complaint XXXX, I disputed account on the XX/XX/2021 and the collection agency continued to call WHILE THE COLLECTION WAS STILL IN DISPUTE! That is what the first complaint was about but the collector refused to acknowledge. It states with XXXX  that you do not have contact with the collector while in dispute which is why I am questioning the validity of this debt. But the only thing that should be addressed NOW is why I was still receiving calls while my collection was in dispute. See the complaint number listed above for call logs showing dates times and phone numbers associated with hunter warfield.

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 2016-05-24
Company: LOBEL FINANCIAL CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I traded my Ford Focus in a dealership in XXXX tx called XXXX for XXXX $ credit tears my new car loan. That car loan was supposed to be for a jeep commander 4x4 sport year XXXX. I asked were is the 4x4 switch on the car. I was informed by XXXX that it was automatic. Come to find out 4 months later even though it had the 4x4 symbol on the back and the contract said it was a 4x4 sport it was not at all it was just a basic jeep commander. When I contacted the finance company they blamed the dealership but acknowledged it was a invalid contract and I asked them if I surrendered it would I owe anything they said no. By the contract saying it was a 4x4 sport it made it cost XXXX more. I looked at my credit 2 days ag and they said on my credit I owe the finance company XXXX dollars. If this is an invalid contract and it says something completely different than I bought I do n't feel I should lose the money I traded my car in do the four payments I made and also owe XXXX $ to the finance company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation