BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-03
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/2016 I sent a personal check via priority mail with tracking to Chase they received it on XX/XX/2016. They could not find it still as of this date. Consequently I wired payments of XXXX each for XX/XX/XXXX and XX/XX/XXXX payments for a total XXXX wire of XXXX from the XXXX XXXX XXXX XXXX XXXX XXXX Pa. Branch manager XXXX XXXX from the Credit Union and an agent XXXX XXXX an agent for Chase completed the wire transaction. Chase did not credit my account as of yet. The funds have left my bank account 24hrs ago but my mortgage account has not been credited as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: Conn's, Inc.
State: CO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I paid off my loan in full on XX/XX/2017. I have repeatedly called and asked for my payoff statement or payoff letter to no avail. I even have gone to their neighborhood store to see if I can get a payoff letter or statement showing I have paid off to no avail. Once the account is paid off it is my right to get a statement or bill. They do not send you a statement whatsoever. They have a flawed system of errors and calling their customer service gets you nowhere. I have had other installment loans and they all have sent me timely statements and letters via mail and/or email. Their motto is " you deserve it '' and yes to the XXXX you deserve to be misled. Someone needs to investigate their business practices as they are in clear violation of fair credit billing act and by not providing any kind of statements or bills they are taking away a very integral part of consumer protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
A XXXX Bank check was provided for start-up costs for XXXX. The funds were held as a balance by Chase Bankers. After four days, the {$2900.00} check sum was transferred to available balance ( ON HOLD ). On the XXXX of XXXX, the account was frozen ( ATM use, web sight transfers, and credit/debit card use ). I called the customer service Chase Bank department. The representative informed me that the check was returned by XXXX Bank as FRAUD. In stead of zeroing out the balance, stamping the check with fraud, and putting in the folder with the other XXXX fraudulent checks deposited by people, a human being at J P Morgan Chase Bank chose to attempt embezzlement of my funds : {$640.00}. They withdrew the check balance from the account. The account is still frozen. The funds for last and this month 's rent, which were from an life insurance account transfer, have been unlawfully seized!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: JPMORGAN CHASE & CO.
State: IA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My complaint is about Chase Card Services keeping my payment and then closing my account when I paid it in full. ( {$820.00} ) I did have payment problems with all of my other creditors due to {$3000.00} in medical bills and I am already on XXXX. I got a Hardship withdrawal from my pension to try to pay back some creditors. I had XXXX accounts with Chase that I opened 18 months ago and have never been late with them. Everyday when you sign in, they say something like, " you can combine your XXXX Chase accounts to utilize your credit limits in the way that is most convenient for you. '' Well, after getting my pension money, I set out to pay off the smaller of my XXXX Chase Cards and hoped to pay off some medical bills with the, " new combined credit limit. '' I kept getting transferred around and then they pulled my credit report and saw that I was late with my other bills. I tried to explain, but they said it was, " within their rights to close my account even if I 'd never been late with them. '' They did so taking the {$820.00} I so desperately needed. Since I had made this payment by my bank 's bill pay, I sought their assistance to get {$750.00} of the money back. Chase said they would only give me my money back if I, " sent them a voided check, '' since my bank used a third party vendor to do Bill pay. I told them I did not want to send a voided check over the internet, so I had a lengthy conference call with the Chase rep and my bank on the line. After 3-4 transfers, a " supervisor, '' agreed to refund {$750.00} directly into my bill pay account if they would fax the proof of payment directly to them. My bank faxed the form that day. Seven days later there has been no action in my account and when I contact them today, they inform me they are sending the check by mail, but I will have to wait another 5 days for them to mail it! This has been going on since XXXX/XXXX/2016! I do n't think I will ever get my money back and If I do, I 'll have to go directly to a Bankruptcy attorney because the time to " make a deal '' with my creditors has now passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
My ex-wife and I filed bankruptcy XXXX15 years ago. The mortgage was never refinanced. My wife was awarded the house in the divorce. Chase, the non-loan carrier has now placed my credit card information on the same site as the mortgage information. Chase knows this loan is non existent as they already reported to the credit bureaus to remove the transaction info from the cleared loan from my credit history. I refuse to sit on hold while they transfer me around from operator to operator. I have contacted them twice on the website and received e-mails saying " this sensitive information is not available on the web, please call. '' Which is exactly my point. But why do I have to waste my life listening to their propaganda tape loop while they act like they are fixing their error. I want them to pay me for my time if I am going to waste it repairing their criminal conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: CITIBANK, N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have just received a correspondence from XXXX XXXX ( Director, Client Research ) of CitiBank that there was not an AAdvantage miles promotion offered with the opening of my CitiGold checking account. I have have had multiple communications with Citigold representatives, with screenshots for proof, that the AAdvantage miles promotion was attached to my account at the time of opening. 

The promotion attached to my account at the time of opening was XXXX and it was to receive XXXX AA miles.I have met the requirements outlined in the promotional offer with my account opening, which were 2 Bill Pays from the account as well as {$1000.00} in debit spending. I have been assured from CitiGold representatives in the past that I have met the requirements for the promotion that was attached to my account as well. 

I have done my research on this promotional offer and have found that Citi has refused to offer the promotion to multiple CitiGold customers. I feel that Citi is cheating its customers through its deceitful marketing practices by not honoring their end of the promotional agreement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
XX/XX/2017 I made a deposit through chase bank ATM in XXXX NY, while the transaction was on the ATM has a problem and I got a receipt from ATM, stating that I should call my bank to confirm if the money was deposited. I placed a call to my bank and made a complain of what happened, was told that a credit of {$800.00} will be made to my account while the investigation will be on. 
the {$800.00} was made to my account same day, but on XX/XX/2017, I got a mail from the bank stating that the {$800.00} that was credited to my account will be debited because my claim was denied. The {$800.00} was debited from my account on XX/XX/2017, I called chase bank on XX/XX/2017 to re-investigate my claim, and my claim was denied again. 
I 'm requesting that you help to look into this matter as this huge amount of money has caused a lot to my account/finances. 
Thanks and XXXX bless you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-14
Company: National Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Person is constantly contacting my ex husbands cell phone looking for me from a National Debt Recovery number at XXXX. The last incident on XXXX at XXXX XXXX from a XXXX XXXX. This company has never provided any type of written communication, yet calls my ex husband and previous employer several times. I can provide phone records as needed. Person has claimed 'legal action ' implying legal action on an unverified account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: FIRST HAWAIIAN, INC.
State: GU
Product: Credit card
Issue: Rewards

Complaint:
First Hawaiian Bank offered a sign-up bonus for their XXXX XXXX credit card. The terms & conditions require {$1500.00} purchase spending within the first three months of account opening. 
Timeline of events : Applied for FHB XXXX XXXX XXXX online on XXXX/XXXX/2016 via email titled " Start here for mighty value. '' from XXXXXXXXXXXX also dated XXXX/XXXX/2016. 
Approved for $ XXXX limit on XXXX/XXXX/2016. Requested credit limit decrease to $ XXXX XX/XX/XXXX. 
Received XXXX XXXX award miles on XXXX/XXXX/2016. This was the last day of the first statement period. 
Sometime around XX/XX/XXXX-XX/XX/XXXX requested for a new card to be sent as first card not received. 
Obtained {$1500.00} threshold on second billing cycle ending on XXXX/XXXX/2016. 
Messaged First Hawaiian Bank XXXX/XXXX/16 regarding missing bonus miles Received reply XXXX/XXXX/16 stating that bonus miles would be awarded in 1-2 billing statements contrary to terms and conditions of offer. 
Called FHB on XXXX/XXXX/16 regarding missing bonus miles, was told to call XXXX to acknowledge offer made by First Hawaiian Bank.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: State Collection Service, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
State Collections is a third party collections agency is contracted through XXXX XXXX XXXX to collect debts for them. State Collections agency has repeatedly contacted my wife and me several times asking them verbally to stop calling us regarding this debt. It has been explained to them on several occasions that there was an error in the billing and we are working with XXXX and the insurance agency to correct the billing error. The problem is that when XXXX XXXX makes call they refuse to provide their name when asked what company is calling. They state that they can not legally provide the name of there company until they can verify the person they are looking for. Its only after you threaten to file a complaint will they then provide the number. They have called on back to back days ( XX/XX/XXXX & XX/XX/XXXX ). On XX/XX/XXXX a man called looking for my wife and when I explained to him the situation I asked that he remove my phone number and my wife 's phone number from his call list, which he stated that he would. Not even XXXX hours later a get another phone call from a different number with the same routine of refusing to provide me information regarding who the company is. It took for me to threaten them with this complaint that they provided me the name of State Collections. I again asked them to stop calling us. State Collections is now stating that they are protected under the disclosure laws and they do not have to provide any information to the anyone who calls them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: CHECK INTO CASH INC.
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I received a phone call from someone who refused to give his name only stating he was an investigator trying to locate me to give me documents. When I asked whose was sending him and what it was regarding he said Continental Processing at XXXX. He then began to describe the vehicle in my driveway. When I asked what that has to do with this he said because people run. He then told me I had 5 minutes to contact this company to resolve. When I called the company the same man answered the phone and transferred me to another man. This man was trying to bully me from the moment he answered telling me I had committed fraud and that I was doing illegal things. I asked him whom he was collecting for and he said I am not collecting. He stated that Check into Cash hired him to locate me because I frauded them. He said if I pay him {$600.00} they will stop. I asked what the {$600.00} was for and he said fees to locate me. I asked whom do I call to sort out the balance as these fees are more than the original debt. He said Check into Cash does n't want their money. We just want our fees. When I said this is illegal to charge in a payday loan he stated that it 's no longer a payday loan. You now owe us. I told him I would contact Check into Cash directly. Immediately the man that originally called me started blowing up my phone. I dint answer as I was on the phone with the other man. This man called me another 8 times and finally I finished my call and answered the first caller who started yelling at me said I ca n't run and that I was a thief. He said you have been notified and that I would be going to jail

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-06
Company: ESCALLATE, LLC
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am contacting you concerning a collection account through Escallate , Inc. listed on my credit bureau reports. This account was paid on XXXX/XXXX/2016 and when I spoke with the customer service representative they stated they would deleted this trade line from all XXXX of my credit bureau reports, but yet for whatever reason it still remains even after SEVERAL attempts to dispute the information. Below is what is stated on my credit report as of XX/XX/XXXX : Escallate , LLC ; Collection Reported XXXX ; Assigned XXXX ; XXXX ; XXXX XXXX XXXX ; Amount {$830.00} ; Status as of XXXX Unpaid ; Date of XXXX Delinquency XXXX ; Balance as of XXXX {$830.00} ; Individual Account ; Account # XXXX ; ADDITIONAL INFORMATION Consumer Disputes This Account Information ; Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX : ( XXXX ) XXXX As stated as part of paying on this account I was promised this account would be taken off my credit bureau reports and I am expecting this agency as a business to do so, they put the negative information on my report, I paid the collection and they have the power to take it off.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: State Collection Service, Inc.
State: TX
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 called to have this account disputed but the company is not showing anything under my social. I asked why it would be showing under my social in my credit report but they did not have an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: Knight Adjustment Bureau
State: UT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I withdrew my son from XXXX XXXX XXXX by writing and sent through the mail. They are claiming they never received it and are charging me 2 months of daycare that was never used. I submitted the dispute along with papers to their collection agency, Knights Adjustment bureau. I agreed I would pay the 2 week-ish that was owed to XXXX XXXX, but would not pay for the 2 months they were charging me, but they would not accept it. I have continued to dispute this on my credit reports. I have yet to receive any sign contracts or anything from them. They even have gone after my sons father for this debt and put it on his credit reports, but he never provided a SSN to them or signed anything. 
( I can supply copies of documents if needed. I 'm not at home to attach them )

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 2015-03-29
Company: MLD MORTGAGE INC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was approved for an FHA loan by MLD MORTGAGE but denied again because the process XXXX XXXX was looking for information from my significant other whos not on loan. He did not have information to give to him and he did n't want to supply the information because he felt that the mortgage was not his and he was not his client. XXXX kept giving me the run around and he made personal coments about my significant other. XXXX and his processer XXXX XXXX said they would let me know by a certain day but dif not. Myself and my agent reached out to both of them with no response. I decided to switch to another company before my contract deadline. To satisfy XXXX ego he would not respond to any emails or phone calls from the new company to transfer my paid apraisal. Finally after days of emails every one who wanted information from me before he answered saying he will transfer the appraisal. XXXX never shared information with me on why they denied my loan but instead decided to share sensitive personal information to the new company saying that I have a foreclosure which is not true. XXXX is unproffesional and he lied. I need this company to provide proof of my foreclosure to myself and FHA. XXXX went out of his way to email the new company but failed to communicate to me. XXXX could not close the loan but would not let me go anywhere else to close it. So he decided to blackball me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: Eaton Group Attorneys LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Eaton Group had contacted me back in 2002. I was a victim of identity theft following a house fire and i disputed the debt, provided paperwork to them and requested verification of debt. This company falsely claimed service, obtained a judgement, leaned my house and are garnishing my wages all on an account I have ZERO knowledge of and disputed from first contact. They ignored requests for normal standard credit debt information and sat for XXXX years before garnishing my wages. THIS SHOULKD BE ILLEGLE XXXX ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: Dynamic Recovery Solutions, LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Dynamic Recovery Solutions is contacting myself and my husband daily, with very threaning attitudes. I have received a letter in the mail also. This is not my debt, I do not owe this money and they will not leave us alone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-12
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have three student loans that are through Navient, all three loans are in Forbearance but they show late payments on XX/XX/XXXX,XX/XX/XXXX during that two month time all three loans were in forbearance as they were in the months before and after those dates. I 've made numerous attempts to correct this issue. These late payments are really affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
After Looking at my credit report I see that Afni , Inc is still Reporting inaccurate Information to the Credit Bureaus. 

I have ask for proof of Debt from Afni , Inc XXXX XXXX, IL XXXX RE : Account # XXXX Under Fair Credit Report Act XXXX & XXXX. without a response. To my request. 
And they continue to report inaccurate reporting.

Company response to consumer: Closed with explanation