BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-21
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I recently was wage garnished for the second time. The XXXX County representative never served me any documentation regarding any outstanding debt. I spoke to someone in the court and they confirmed they sent 3 letters out and all were returned because they were not delivered. I am not a wage earner, I do not work, I have no income and the wages garnished were from my husband 's work. The creditor nor their attorney ever contact me nor did the courts, so how can I even attempt to settle the debt without due notice. The court clerks say the judgement was filed in XX/XX/XXXX, it 's XX/XX/XXXX and they start randomly taking money out without any notice. XXXX XXXX also failed at advising us of any illegal funds being withdrawn or levied per the law. My husband is now past due on student loans, credit card payments and car insurance. All because of this lack of communication. Pressler and Pressler never sent any documentation either. Debtors and attorneys can not take money out of accounts without due notice. We received several calls as well XXXX asking for XXXX regarding a debt and it 's a machine that immediately hangs up.this same tactic is performed at XXXX at night via dialing loops. We do n't know what the debt is, who the creditor is, no details, just ask for XXXX and hang up. I want Pressler and Pressler held accountable for my husband 's late payments, should his excellent credit take a hit, I want them accountable for it. This is corporate debt at its finest, unfair collection procedures, illegal seizures, illegal seizures without right to dispute, and seizure on income that is not even my own. Please help me and please ensure these types of issues do n't affect other innocent people out there. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX AKA XXXX XXXX is reporting to my credit report they are doing so against the Hippa Laws and against the privacy act they reported his account when it had a XXXX balance every time this account is seen on my credit file they are in non compliance with Hippa and the privacy act My medical bills are part of my medical record I did not waive my hippa rights 1. if I waived my hippa rights please show me 2. I want a full contract 3. full payment history of account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One Auto loan. Is Not reporting correct amount pending. Pending balance reporting to the 3 Bureaus XXXX, XXXX, XXXX  is not current.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I also filed a dispute with you folks ( consumer finance protection ) XXXX. 
The problem is this. If any financial institution looks me up on Equifax dada, Equifax tells them I am dead. I am not dead. I need to get Equifax to stop telling people I am not dead. The initial response from Equifax does not address their reporting me as dead at all. Please make Equifax correct their records and reporting. I am not dead.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My Chase checking account was suddenly " blocked '' XX/XX/XXXX with no prior notice, which I did n't discover for over a week. They told me it was because they needed additional information. I asked why I was n't contacted to ask for the information. They said they mailed me a letter XX/XX/XXXX. I never received a letter. At first they could n't find a date or any other proof that a letter was sent. Upon further research, they discovered it had been sent to an address I have n't lived at for 2 years. I had updated my address a long time ago, and they indeed had it on file, and I have received other correspondence from them. No reason was given why they sent it to an old address. I went into a branch and answered all the questions that were asked. It took a day to unblock the account. A week later, it was blocked again! I was told it was because they needed additional information because the account was in a trust. Why did n't they ask me all the questions the first time?!? Again, no prior notice of the account being blocked. The banker at the branch told me he asked all the questions that appeared on his screen. He spoke on the phone with corporate, and neither one seemed sure of what the requirements were. Nobody ever answered why these questions were necessary, just that it was " Chase policy. '' Upon talking with my financial advisor, I discovered it was due to a new regulation that all banks have to adhere to. Chase never told me this. I wanted to close the account, and was told I could n't do so until the account was unblocked, which would take a day or 2. It has now been unblocked again, I have already been charged one fee ( which Chase reimbursed ) for a payment that bounced back because the account was blocked. I do n't know yet if there will be others. 
How can they just arbitrarily block people 's accounts with no notice?!?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-04
Company: Paypal Holdings, Inc
State: OR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I had set up my paypal account with my XXXX XXXX as my preferred payment for any and everything I use pay pal for well i paid my monthly payment i didnt want a line of credit i just wanted a secure place to make payments to services. Well paypal took it upon themselves and tried to take {$.00} and {$4.00} out of my checking which was to have been thru my XXXX XXXX. They kept processing it and causing payments to my bills to bounce and racked up over {$500.00} of nsf fees and returned check fees. My bank closed my account but its still owed because paypal will not bill XXXX for services. I had contacted them twice before and so I used my moms secured checking to make again a monthly payment to XXXX XXXX which I didnt want that credit service. So this time for {$4.00} for XXXX XXXX which XXXX canceled and refunded the funds for the error and {$3.00} to be billed to my XXXX for XXXX. They didnt they used my moms secure checking funds of social security to cause {$85.00} once and {$85.00} again to be charged nsf fees. I sorted it all out with XXXX  but paypal refuses to refund the money they took out causing bounced checks and nsf fees for both me and my Moms account but then took out the {$3.00} and {$4.00} out of my XXXX XXXX. Seriously sad for {$.00} they screwed my bank account over.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card
Issue: Payoff process

Complaint:
I would like some help/information. I have a credit card with Chase. My payment is due today. This morning I made a {$200.00} payment. When I got home from work XXXX XXXX and I knew my paycheck had cleared, I went to make another payment to complete the amount owed. The online process would not allow me to make another payment, so I called. The representative would n't allow me to, so I asked to speak to a supervisor. XXXX, the supervisor, also informed me I could not make another payment for 3 days from the same checking account. I asked where it stated that I could n't make a second payment. He could not find anything, but refused to take a XXXX payment, which means I will be paying interest on the balance XXXX {$1100.00} XXXX. What can I do? Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: JPMORGAN CHASE & CO.
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I was married for XXXX years and my husband was a drug addict addicted to prescription narcotics, he was and I am a registered nurse. My husband and I filed bankruptcy in XX/XX/XXXX because of his prescription drug addiction caused him to make poor financial decisions. In XX/XX/XXXX my husband abandoned myself and our XXXX children and moved from XXXX to XXXX to be with his XXXX. I filed for divorce and was granted a divorce under misconduct and was awarded full custody of both children. I tried to keep my home not knowing that the mortgage was included in a bankruptcy. When I found out that my husband married his mistress I called Chase to do a loan modification to put the house just in my name and that is when I was notified by Chase that the only way to do that was to have my ex-husband sign a XXXX claim deed and my ex-husband stated he would NOT sign anything pertaining to the house. Me and my children had no choice than to move. I have since restored my credit and am trying to move forward with my children and this house is still hanging over my head since XX/XX/XXXX. The mortgage with JP Morgan and Chase was never re-affirmed. Chase is not reporting on my credit report but has failed to take this house out of my name with XXXX and the FHA. A credit agency was asked to do a investigation and I have attached this report to this complaint as well as my hardship letter. I have applied to and been approved for a mortgage with the FHA and the only hold up is this house still being in my name. I have consulted XXXX attorneys and the FHA, all of whom stated " we have never seen a case like this where the house is not on your credit but still in your name '' XXXX attorney I spoke to stated " I guess you got a free house ''. This has become a joke! I just want this house out of my name. I have told my story over and over and no one can advise me of how to get this done. I feel my rights have been violated as a consumer, this is unfair and immoral that these banks can take their sweet time and disrupt and destroy a persons life. I paid on that house 11 years and due to this unforeseen circumstance that happened to me and my children, my husband gets to move on with a new wife and a new home, cause he put it in his wife 's name and me and my children continue to be punished. WHO PROTECTS MY RIGHTS!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card
Issue: Billing disputes

Complaint:
Credit Card was lost prior to business trip. I reported lost and then later reported charges that were not mine. They are XXXX charges, XXXX for {$130.00} from safeway, XXXX for {$10.00} from safeway, and last one from XXXX for {$13.00}. ( posted XXXX and XXXX 2015 ) Capital One did nothing to actually investigate the issue. They instead made up there minds immediately that the charges were valid. I was sitting in an airport or in another city when these charges were reportedly made. Capital One was negligent and refuses to do anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-10
Company: Westlake Services, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I am behind in my car payments due to unforseen personal circumstances. I had established a good standing with Wilshire up to the point of my default and and often paid early. I refinanced an existing loan only to have payment due in just 10 days. I have spoken to Wilshire several times about my inability to pay at this time and tried to work with them. Upon day 30 of my delinquency, they sent a repo man out to repossess my car and continue to call at all times of the day from various numbers. I tried to settle one month with the repo man but he was abusive and would not accept since I was a few days into the second month and he wanted 2 months or nothing. I told him that I was unable to do that and would have to pay my other bills instead. The phone number they are calling me on is my work number and the only number I have. I asked them to stop calling this number as it is affecting my work and ability to pay them back. They have ignored this request and on top of calling me incessantly and leaving nasty voicemails, they are now calling my references and have called one of my references at least four times that I know of. One of the calls they made to said reference was yesterday -- just after I had spoken to them and told them NOT to call my references since they know how to locate me. XXXX from XXXX XXXX ( the same number they call me on then leave a message to call XXXX which is Wilshire ) called at least one of my references at yesterday XXXX XXXX, AFTER my conversation with them at XXXX XXXX. This tactic is used to embarrass, harass and humiliate me ( I told them I know this is an unfair practice under the Fair Debt Collection Act ), not to mention ruin my reputation in a community I have worked hard to establish a name and a business. They know how to locate me! I had just talked to them! I told them I have every intention to get my account paid up and will do as soon as I can. It may be another 30 days, but could be sooner since I am in sales and have several deals in the works. Wilshire has proven they do not want to work with me, but harass and embarrass and intimidate me. If you read other consumer comments on the Web this is a typical tale, and many say do n't take a loan with Wilshire! Generally, I can not have no conversation with these people since they talk over me and are not interested in anything I say. It 's just " pay up or else ''. I am available and can be located as I said, but I do not answer every XXXX # call coming into my phone assuming it is a solicitor and I use this line for business and I am often with clients or need my phone available for incoming and outgoing business calls. Also, when I looked up the number they are calling me from XXXX it is listed under " Westlake Financial '' with whom I have no known business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: JPMORGAN CHASE & CO.
State: MT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My XXXX father took out a car loan with Chase Bank. He is nearly XXXX and can not hear. I am his child. I manage his financial affairs for him. When he set up the account and took out the loan, he expressed to Chase Bank that it was acceptable for me to contact them regarding the account and to make his payments for him. Despite this, when I went to make the initial payment, they would not allow me to make the payment for him. Thus, his initial payment will be late. When I called Chase to make the payment for him, they would not allow me to do so. When I asked for the telephone number of the automated payment, manager " XXXX '' in Texas gave me XXXX as the automated payment number. That number is disconnected. Chase XXXX beyond belief.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: COAST PROFESSIONAL INC
State: TX
Product: Debt collection
Sub-product: Federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company is telling me that in order to get out of default, they figure repayment plans with gross income and family size only. They wanted {$800.00} a month, plus the {$610.00} out in wage garnishment. The federal student loan website that a rehabilitation plan must be a " reasonable '' amount. I do not think this is a reasonable amount and would like some help with getting out of default.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
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:
The following 4 credit inquiries listed on my Chex Systems Consumer Report : XXXX are fraudulent and not my credit inquiries : XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX, XX/XX/2020, and XXXX XXXX XXXX, XX/XX/2020, I am a victim of identity theft and Chex Systems  has a recent police report on file.

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 2015-08-23
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XX/XX/XXXX I recevied a message on my phone stating that I am past due for payment on my auto loan. I was n't sure why seeing that I had recently made a payment! I called the number left on the voicemail, a representative started off asking for verification of my name, address, phone number and give the make and model of my vehical. The next statement that was said was : XXXX you owe $ $ $ on the XX/XX/XXXX loan and will you be paying today! I said wait why must I pay in full the balance of my loan today! I was told that my loan has expired and I need to pay now! I was confused since it was never told to me that my loan was near the end! I have never missed a payment and I figured the loan was calculated based on the monthly payments!! She then ask what can I pay, I explained that it 's on XXXX payments basically left and that I will continue as usually! She said " that 's not unexceptionable ''!! If I do n't pay in full immediately that my loan will be " charged off ''. I expect to pay my loan in full interest and late fee, but you want to damage my credit! I have paid {$420.00} for 5 years and I 'm at the very end and this is how you treat your better that good customers!! I asked to speak with a manager/supervisor because in very upset now! I was placed on hold for a while, when the manager/supervisor came on he proceeds to say that when I told my extensions that it 's needed to pay the loan in full! I told him as I was approved for my XXXX tensions I was never explained other than this will extend the loan. I was never told that I would be expected to pay my balance of the loan a moments notice regardless, nor was I given in advance notifications regarding this matter and their expectations! He proceeded to ask if I can borrow money from somewhere! I feel like I was being " strong armed '' by the financing company!! I have worked hard for XXXX yrs too make each payment on this loan with the high interest rate and told I 'm a valued customer with great payment history, but denied refinancing when requested! I am trying to rebuild my credit and for this to happen would be devastating! I feel this is totally wrong and very poor customer service! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Bankruptcy

Complaint:
I XXXX XXXX filed bankruptcy chapter XXXX four years ago case no XXXX curently i '' m selling home and the tile company find XXXX judements against my property capital one and XXXX XXXX -credit cards. Tile company offer me they will hold the amunt of the judements for 150 % and return too me after 2 years when the judements wiil be expired Atorrney who represent me durning bankruptcy is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
We received a loan modification through bank of america more than a yr ago.we suddenly, 8 months after, started recieving modification packets again stating either it was notarized incorrectly or that they had neglected to include needed paperwork.Each packet included a promised cash incentive if we would sign and return.They also offered to send a BOA rep. to our home for the signing.So far we 've been told that they can not send a rep to us due to our Morgage type.Secondly, we 've received and returned XXXX packets thus far.Every time I call they either tell me we 've notarized wrong or it was a mishap on their part.Nobody has been able to tell us what we are doing wrong.Not one cash incentive has been seen.We would have to travel XXXX of miles from our home to reach a BOA.At one point an agent told us that our paperwork was rejected because a XXXX looked like an s in the date.This is getting to be harassment at this point.Not to mention the time involved in going to several local banks to get paperwork notarized over and over.My sress level is maxed!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Today I went to chase bank in XXXX XXXX at XXXX to open a bank account. I was told to have a seat and someone would be right with me. After waiting about 25 minutes I wanted to ask if someone was available to help me, so I approach a young blonde female and as I approach her window she walked away to talk to a young XXXX XXXX female. As they were smiling and trying to avoid me I felt so upset I walked away but as I was walking away I noticed the blonde female walking back up to the window so I head up to the window again and as I 'm walking towards her I notice the young XXXX XXXX female duck down and disappear as if trying to avoid me. All I wanted was to ask for some help. So then the blonde female walks out behind the window I manage to get her attention and let her know all I want to do was ask if there was anyone available to assist me. The female was very rude and I have NEVER felt so humiliated in public! I could n't believe how unprofessional these ladies were toward me. There is no excuse for the poor customer service I received today. I ended up just walking out because I felt so embarrassed. I ended up driving to XXXX to get some help. But I will NEVER go back to you XXXX XXXX location nor recommend it to anyone based on my experience today!

Company response to consumer: Closed with explanation