BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Good morning, I have a problem with CHASE Bank. My husband and I have an account in this bank when we lived in NYork city. My husband died 4 years ago and I live now in XXXX ( XXXX ), I am XXXX. Since two years ago Im trying to get the money or cancel this account, because they didnt send me any credit card or code to operate by internet. I sended all the documents they asked me ( death certificate, the acceptance of inheritage, ... ) everything translate in english and certificate by the XXXX and notary. After two years sending me from one department to another for two years, and phoning them many times, because they dont want anything by e-mail, a month ago they said that they have lost all the original documents I already sended and they need everything again but now certificate by the XXXX notary in XXXX ( wich is not necessary according to the XXXX notary, the XXXX it shoud be enought ). They said that they will send me a letter with a list of the documents they need now but we didnt receive anything. I am phoning everyday but is impossible to talk to the person in charge of my case, I leave messages and thet dont answer. I m desperate because Im old and I need my money. I have the impression that they dont have any intention to give me a solution.Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: YKS Acceptance, Inc.
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I was over charged for a vehicle that I had purchased from Herbies Auto Sales located in XXXX XXXX XXXX XXXX, XXXX, CO XXXX on XXXX/XXXX/2012 and it was reposed because I found out they over charged me for a vehicle that had a salvage title. I refused to pay them and I told them to come and pick up the car witch they did they then sent it to collections and I have had trouble purchasing a vehicle since. Please help me I have written letter after letter to the XXXX and they refuse to take this off my credit report. Please help me to dispute this thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
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 information incorrect

Complaint:
I am attaching or filing a LETTER OF INTENT TO SUE EQUIFAX FOR VIOLATING MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. KINDLY SEE FILE ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: Paypal Holdings, Inc
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I did log in to my PayPal account to transfet my money to my bank account but my money were locked and I do not have access to a few thousand dollars in my account anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
My credit card company, Chase, with whom I have already opened XXXX complaint with CFPB, is re fusing to act responsibly with another dispute involving a foreign transaction, this time XXXX concerning an unauthorized charge placed against my card by a XXXX car rental agency. As with the first complaint filed with the CFPB, Chase is effectively ignoring the substance of substance of my argument and/or documents I have provided that show a charge is bogus. In each case, after several iterations, Chase basically has stated, in writing, that I have not shown that the disputed charge is fraudulent or the result of a lost or stolen card. What I have shown, however, is that the original rental documentation does not provide for a fee that was charged when the car was returned. I provided Chase with a copy of the original rental documentation, and yet Chase apparently does not read what is provided by a customer ; rather, it sends letters stating that it ca n't do anything about the charge and that the charge will therefore be reinstated and I can take the issue up with the entity placing the charge against my account. Chase clearly knows that both of my disputes are with XXXXbased entities, and so there is no practical way for me to pursue getting a credit from them. In the first instance, Chase has consistently been unable to identify the agency that put the charge on my card, and its authorization. In the case of this new dispute opened with CFPB, Chase is simply not taking the time to read the documentation I provided, which will show that the car rental was paid in full, and that no additional fee at return time was justified. I do n't understand how Chase can simply brush off a customer 's legitimate dispute, but it is happening to me in XXXX instances. I really hope that CFPB has sufficient law and regulations to make Chase act consistent with the law. I really believe it is being derelict and should not be allowed to get away with it. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-08
Company: Southern Credit Recovery, Inc.
State: LA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There is no option to select for what it is I am trying to complain about. I am filing a complaint because this company is preventing me from being able to purchase a home by continuing to report inaccurate information on my XXXX credit file. I have requested that the dispute comments be removed from this account because I am no longer disputing the account and I agreed with the way the account was reporting except for the dispute verbiage. I did dispute the account but they verified the information and I agreed it was mine so there is no reason to continue to keep the account in dispute as if I am still disputing the account. The dispute has been resolved. This company stated to me that they would not remove the comment unless I paid the debt and that is illegal. They are continuing to report an account inaccurately as in dispute in order to get paid. There are guidelines in place that are set by the government that will determine whether these accounts have to be paid in order to get approved for a mortgage and it 's not right that the collection agency is taking matters into their own hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: Tower Loan of Mississippi, Inc.
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a personal loan with Tower Loan of XXXX XXXX, MO. It has been a nightmare since. Not only were there harassing calls on my cell phone by a woman who used threats, and very aggressive tone, but it was all because of a mistake on their end because they had my name spelled incorrectly and were not allocating the payments right. payments were being made monthly. I would get an apology, then the next day more aggressive voice mails because she " forgot '' about our conversations. 
Now, a year later, i have changed jobs, one reason being is the harassing phone calls at work. They would have me paged over an intercom system that is used across the entire facilities campus, but if they could not contact me, they asked for my manager. I was called into his office, where at the time i was working on a promotion and was verbally warned about receiving personal calls at work. This was after several times of telling this company they can not contact me at work. 
After that verbal warning, my promotion that i had been working on all year was a shot in the dark. The level of credibility and professionalism was lost between myself and my manager. 
I then decided i need to move on from that company, i had been embarrassed. 
I have been working at my new place of employment ( career move with promotion ) for only 2 months. XXXX. 
There was a lapse of approx 2 months without a payment due to the job change and time between paychecks. 
I received a surprising call from Tower Loan on my work number while sitting with my new manager doing systems training. I dont even know how they got it. im not hiding from them, but i had not put it out there either. i am not only in another city but another state. At that time i told Tower Loan that i am NOT ALLOWED TO RECEIVE PERSONAL CALLS AT WORK. i went into the office, caught up on payments ( XXXX thats 3 payments ) and it has only been a few weeks and i have now received 6 calls on my cell phone and 2 calls on my work phone! 
I have already discussed options to have this loan transferred to another branch, but their business practices need to be brought to your attention. They also have an assumption that i owe double what i do, but they can not prove it, he just says ... my computers math cant be wrong, but will not show it to me. 
This is absolutely unacceptable and i wish i never accepted their loan. i was not even that desperate at the time, it was to pay off a medical bill who were not even harassing me.

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 2016-10-13
Company: Security Credit Services, LLC
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
There is a collection listed which is unknown and appears to be very old. I requested validation and disputed with noting provided to me. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: Security Credit Services, LLC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I had a bad case of Idenity theft and my police number is XXXX when this happen they even had me marked as Deceased! I had to get everything reactivated this Collection agency Security Credit Services for XXXX XXXX? a Merchant account? for {$200.00} open XXXX/XXXX/2015 then closed XXXX/XXXX/2015? Not my account this was fraud please remove. also This company was very rude.called my job and told a cowarker i owed money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: CAVALRY INVESTMENTS, LLC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Please be advised on XXXX I mailed XXXX correspondence advising them that I do not have a contract with their company and if so I would need a copy along with any other information I signed with them! I received a letter from XXXX Attorney XXXX with information regarding a debt I had with XXXX and not XXXX! As I stated to XXXX they have not produced a contract I have with them! I stated to them in my letter if they are claiming they received all rights of interest because they purchased the debt then they are in breach of the contract because they will never fulfill the original obligations. Furthermore I as a consumer can not be forced into a Contract with anyone under my consumer rights. If XXXX can send me documentation that I signed a contract with them that would be what I would like to see! To top it off I received another letter from XXXX Attorney wanting to collect on the debt! So now they are violating the FCRA 2 companies with no Contract with me trying to collect a debt! Double jeopardy!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: PHH Mortgage Services Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
PHH Mortgage stopped our automatic payment without notifying us. They also transferred the servicing of our mortgage without notifying us. On the phone they claim XXXX XXXX XXXX sent a joint notification. We never received it. I explained that a company I have no dealings with sending a letter claiming rights to my mortgage payment does not positively prove transfer of service. I requested PHH send a new letter. They refused and told me I had to ask XXXX for the letter. I 'm left with no paper trail positively identifying who we should be paying. We have paid two months of mortgage out of fear. XXXX has sent repeated delinquency notices and information about Foreclosure. Even certified letters. We have been harassed and threatened by this new company. They are happy to send us a letter claiming they have a right to our mortgage payment. But that does not prove they have a right. I must have a letter solely from PHH clearly stating who the services are being transferred to and when. Our dealings with PHH began when XXXX used them for servicing our mortgage. I never chose to deal with PHH or 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 2017-01-11
Company: PNC Bank N.A.
State: NC
Product: Credit card
Issue: Balance transfer

Complaint:
So I have a credit card account with PNC bank. I opened it and was working perfectly. I paid off the balance basically weekly. They then sent me a promotion for zero percent interest. I took them up on the offer and did a {$7200.00} balance transfer where I was charged 2 % balance transfer fee. The balance was to be charged 0 % interest through XXXX/XXXX/XXXX. That was all great the first statement came and now interest and I paid off the balance. Then I used the card for regular purchases and paid off the amount. I always paid more than I spent. So the following month I was surprized to see a {$1.00}, I complained and they promptly removed it saying was cause I continued to use the card. That did n't make any sense as the whole credit card concept is that they make money by paying the places you use the credit card less than the establishment actually charged the credit card holder, but then requiring the credit card holder to pay the full amount and as long as you pay off statemetns in full their is not charge. As I had a zero percent interest balance I wanted to pay the minimum needed to avoid interest but maximize the amount of balance carrying zero percent interest. I had accidentally made XXXX payments in XXXX that one of the customer service representatives discussed with me, but ultimately failed to complete transfering back to me the extra payment, so I called in again and was completed on XXXX. Then when my statement was cut on XXXX/XXXX/XXXX their was a charge for {$4.00} in interest. I called and raised XXXX and cited my understanding of the consumer protection laws around credit card and PNC just locked up and would not assist me anymore saying they would just have someone call me or send me a letter in 10 days. I just want someone to credit me back my {$4.00} and help me determine exact minimum payment to pay and avoid interest going forward. Now that they wo n't help me I risk accrusing other interest. To try and avoid and remembering that the lady had said I had a non promotional balance of {$50.00} something dollars I went ahead and added {$60.00} to the minimum payment they say is due in XXXX ( {$170.00} ) and made the {$230.00} payment today to attempt and avoid additional interest charges but this lack of customer service is infact causing me to overpay and thus not reap the full benefit of the zero percent interest promotion I tried to sign up for. I am very disappointed in this service and lack of understanding of their product as far as customer service that I have received from PNC bank. I believe they should credit me my {$4.00} and the interest at their credit card rate + principal on the overpament overpayment was. I am just frustrated that they ca n't give me clear and concise information. I am likely more advanced than their typical client ( own XXXX properties, XXXX USD net worth, etc ) and if I am having trouble getting a straight answer from them expect their less sofisticated clients are even getting worse treatment.

Company response to consumer: Closed
Consumer complaint received 2017-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received no prior notice from this company. They sent a violent individual to my apartment that began pounding on our door so hard it bent the latch and door jam. He persisted and we were terrified someone was trying to break in not expecting them. My XXXX XXXX XXXX son has XXXX and was crying and visibly shaken. After 15 minutes and us about to call police, he yelled and swore at me to open the door he had papers to sign. I relented and signed. Intimidating and harassing peoples families with no warning is wrong and causes a great deal of emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: PNC Bank N.A.
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
When I first opened my account, I signed up for and paid for overdraft protection. When I looked up my balance, I was {$110.00} in the negative. I have not used that account for a few months so there is no way to get that negative balance. I went to close out the account and question why such a big negative balance and was told I could n't close it out until I paid the fees. Why should I have to pay for something I did n't do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-10
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I've been a credit cardholder of Citibank since I was a college student in 2011. What I thought was a general fee, now appears to be an added fee labeled " Payment Safeguard. '' I have no clue what this means and why I've been charged this fee for at least 2 years without my knowledge or consent. It wasn't until I signed up for XXXX that I noticed Citi was charging me a fee twice. It's unconscionable that a credit card company can just tack on fees without the knowledge or permission of customers. And since I can only look as far back as 2 years, I have no clue what other deceptive fees have been added without my permission in nearly a decade of usage.

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 2016-12-13
Company: Bridgecrest Acceptance Corporation
State: NV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I purchased a vehicle at XXXX on XX/XX/2016 with a down payment of XXXX and the remainder financed through Bridgecrest. 
Today XX/XX/2016 a towing company aggressively did a U-turn right in front of the vehicle and my drive way. I am assuming he thought I was going to drive away? but I was walking to the car to take things out of it. 
I had set up the auto payments to automatically come out of my account and since I did not received any communication from Bridgecrest at all regarding the missed payments. I did not know these payments were missed till today when the rude and in my face tow truck driver showed up. 
I was told that the car would also make a beeping sound through XXXX gps tracker, which never happened. 
How is it possible for them do that? 
I have only had the car for not even 2 months? and No communication? 
after two missed payments? I should be able to at least get the down payment back since the car has n't even been in my possession for 60 days. 
I have also filed for Bankruptcy which i was planing to keep the vehicle.

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 2015-07-31
Company: Platinum Holdings Group, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have received many calls from Premium Receivables ( XXXX ) in the last few weeks. They call while I 'm at work and unable to answer and leave threatening voicemails on my cell phone. They say that I owe money and if I do n't call back within XXXX hours they are going to sue me. I did return their call, and they refused to tell me who the creditor was or what the supposed debt was for. I asked them to send me a statement in the mail so I could verify and they refused to do that as well. They continue to call me almost every day, and now they are calling family members at locations I have never lived. They have told my parents that they will sue me if I do n't pay them within XXXX hours. They also told my parents that this debt was for a property I previously rented. They disclosed more information to third parties than they would even tell me when I talked to them. I have no outstanding debt relating to that property, so I do n't believe this is even a valid debt, but since they refuse to send me any form of verification, I have no idea what it is for. They are threatening and harassing not only myself, but also my family while refusing to provide any information that I could use to verify the debt and resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I had requested a mortgage modification to see if the interest rate could be reduced. That was XX/XX/XXXX. I received a packet from XXXX with all the forms that were necessary. The forms were filled out and returned to J.P.Morgan / Chase using the return envelop that was enclosed. Then XX/XX/XXXX I was informed that the information needed was incomplete and had to re send information by their FAX line. This was done within a week. XX/XX/XXXX comes around and another packet of paper work arrived by XXXX. This was third time I had to fill out paperwork for them. Have not heard a word from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: JPMORGAN CHASE & CO.
State: LA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
My house flooded, I have received my insurance claim, and my bank is holding it. A few problems with this, for one, the amount of the check is for more than I owe on my Mortgage, legally my money. second is I have used my own funds to pay a licensed contractor to begin works, and filed all the paperwork in XX/XX/XXXX they are making to problematic to recoup my fund, 3rd they have questioned my Power of Attorney. Thus holding up transfers. The amount of money is XXXX total, they are slow to respond, and simply are taking way too long to get me the funds. So far only " releasing XXXX ''. They want to mail a check is 6 business days ... ..and continue to maintain they have not gotten paperwork that has been sent 3 times.

Company response to consumer: Closed with explanation