BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-30
Company: ERC
State: MO
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:
I recently contacted Enhanced Recovery Company about a debt I noticed on my credit report. I was never notified of this debt nor given the right to dispute or have the debt verified in writing. The address ERC provided to me was one I do not live at. I requested they restart their recovery efforts by allowing me first a chance to pay the amount due without reporting to a credit bureau. I paid the amount in full and still see the issue on my credit as unpaid. I would like Enhanced Recovery Company to immediately remove this trade line from my credit report with any and all bureaus they have reported to. I feel this is warranted as I was never afforded the opportunity to handle this issue properly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05
Company: Prosper Marketplace, Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Yesterday XXXX, 2022 I received a call from a man from XXXX XXXX Telephone # XXXX. Told me I was approved for up {$7000.00}. Asked to borrow {$5000.00}. 
He asked for my bank ID and pass code, gave him that info and received a bank verification code from the bank, gave him the code and was told the money will be deposited into my account 1st with verification funds that I was to return to prove my account was legit, after which time I would get {$5000.00} into my account. Called back was told he needed my debit card info in case the funds was not available in my bank account. Gave that info to him out of desperation. Was called back again with a request for my debit card pin. Prior to this was asked to check my account balance, well I called the bank to find out my balance and was immediately connected to the fraud department and was told some accessed my bank account via I phone, and was instructed by the bank to change my online ID and passcode. Now that that's done, I would like to report a fraudulent loan company out here scamming hard working Americans out our hard earned dollars, living in poverty and homeless. Please help put these robbers behind bars where they belong. Such Animals should not be on the loose with their scandalous behavior. 
Thank you kindly

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 2020-04-08
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX for XXXX $ dollars been paid in full, refernce number XXXX none of the reporting agencies have removed it from or showed paid on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My husband and I were getting an amicable divorce and we were both working at closing joint accounts. He called to close the Chase Sapphire Care but it turned out I had opened it so he could not close it. This action was turned into a security breach and from then on I tried but could not close the card. I explained the situation but no one would believe me and kept stalling me. I received a letter from Chase dated XXXX XXXX referring to a request for a copy of the statement. There had been no request for this. Finally, on XXXX XXXX I reached someone who could close the account. At that point I realized that there had been a {$3100.00} credit remaining. The agent who helped me said she would send me a check for that amount. I called several times to ask about the check and finally on XX/XX/XXXX after speaking to XXXX people I was told that " the check was in the mail. '' It could take up to 7 days to receive the check. Along the way I had visited the Chase Bank down the street and was told that the account was inactive and I should leave it that way. The divorce had just become final and I forgot about the {$3100.00} in the account. After 22 years of credit cards with Chase or earlier owners of the card I really expected better service. When I asked for the check to be expedited it was refused. My husband and I opened separate Chase cards but now I am sorry I did. Your customer service is usually substandard and it takes several transfers to get the right person. It is XXXX XXXX and I still have not received my refund. I think Chase should at least give us something to make up for the long delay and the poor service we experienced. When you lose your card the response is immediate but returning customer 's money and especially clearing up " security breaches '' is very slow. The last purchase on this statement was XX/XX/XXXX and the balance was paid on time perhaps before the refund of {$3100.00} was received. We have used our Chase card for everything for all this time and were loyal customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2020 I was to check my bank account and noticed there is transaction that pertains to company Comdata. I do not have account with them, nor purchased any services from them. They withdraw from my account {$4300.00}, and made my account to go into negative status. I attempted to call them at multiple phone numbers : and finally got to XXXX at XXXX. She listen to my compliant and transferred me to XXXX, who was very rude, and transferred me to XXXX. I told to XXXX XXXX would like to know how did they get my account info, and she told me : Call your bank, we do not have anything to do with that. I stated to XXXX, that I am, and that they will be reported to Government agency for hacking into peoples accounts, and getting money they way the wanted. I want to report you this fraudulent transaction, and please if you can contact Comdata. Once again, I never gave them authorization nor bank account number, so I have no idea what this charge is. 

Sincerely, XXXX XXXX

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 2016-04-04
Company: JPMORGAN CHASE & CO.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I have an account with JP Morgan Chase. I have both a checking account and auto loan. On Thursday, XXXX XXXX I was traveling for business and due to a cancellation of flight my business associate whom I was traveling with did not arrive until the next day. Because I was the first person to arrive at the hotel I was asked for authorization of payment. The payment for the hotel was set to be taken from my business associates corporate credit card however, since she was not there, I did not have the card to furnish. Unknown to me, they were requesting the amount of the entire stay ( I was only staying XXXX night, my business associate was staying XXXX nights ). My card was used to " authorize '' {$800.00}, otherwise I was advised that I could not stay there. The following day when my business associate arrived, the cards were changed and I was told the authorization on my account was cancelled. I was advised to call my bank to request that they release the hold/authorization as the transaction was only pending and was not a completed transaction. They even gave me a direct line for the bank to contact so they could confirm the authorization was cancelled on their end. I called JP Morgan Chase that Saturday on XXXX XXXX and was advised by the rep that I had to be transferred to the debit card fraud protection team. After a twenty minute conversation with the debit card fraud team, I was assured that this would not be a problem and that the funds would be restored within the next five minutes. They advised they did not need to check with the hotel. After five minutes, I re-checked the account and the funds were not restored, I assumed the account would become whole on the following business day which was Monday since I was calling on a Saturday. On Monday, the funds had still not been restored. When I called Chase on Monday, I was told that they were not able to restore the funds. I remained on the phone for an hour and was transferred to the claims department twice. I was then told by a claims representative that the issue had been escalated and I would receive " emergency funds '' within the next two hours. That also did not take place. Chase failed to give me accurate and correct information in regards to the activity that supposed to take place on my account. In addition, at no time was I ever contacted by Chase to communicate those changes. In totality, all I was given was incorrect information from the representatives. As a result, I incurred late fees for bills and rent that needed to be paid. Customer service was inaccurate and misleading in their information. When I spoke to a " specialist '' on Monday they acknowledged I was given the wrong information and yet did nothing to rectify the issue but continue to give me more misleading and inaccurate information. This concerns me as neither institution seemed to have the funds and yet, they were not available to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-21
Company: JPMORGAN CHASE & CO.
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Receive a call from board and park XXXX indicating that I owe money for a providian credit card that was opened XX/XX/XXXX. They stated that my check would be garnished. I asked for something in writing. They said they sent it to me XX/XX/XXXX but I was just contacted on XX/XX/XXXX for the 1st time. They refuse to send me any written communication. I tried to look the company up on the internet and can not locate them. I 'm concerned about whom is trying to make an arrangement me with. Not sure if the company is ligit. They only gave me 4 days to respond with a decision if I was going to pay the remaining debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15
Company: Westlake Services, LLC
State: KY
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
westlake financial services, I contacted them on XXXX XXXX to voluntarily surrender my vehicle, they claimed it was being proccessed, called them back nothing, continued calling, they said it was being processed, all the way to XXXX when they stated it was never put in to be collected, demanded i fax them it in writing, called to collect on overdue amounts after i told them i was XXXX and could not pay currently or drive the vehicle due to medical conditions. refused to remove an ach claiming i never specifically stated to remove it. and other tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Chase bank placed a hold on XXXX checks that were deposited to my personal checking account on XXXX/XXXX/15. The hold information posted on my chase banking website stated the money will be released on XXXX/XXXX/15. However, this morning I received email from Chase XXXX protection Department that the money from the XXXX checks will not be released until the XXXX/XXXX/15 and even then they will still continue a " review. '' The deposited checks are XXXX bank checks and I know for a fact the accounts at XXXX bank from which this money will be drawn have the required sums available. I called the chase XXXX Protection Department today, but they stated this is a " procedure '' they have to follow. I told them I know the source from which these XXXX checks come and I do not understand why my money is being held without a definite day of release causing me financial hardship and overdraft fees. I do not have any history of bad checks or any other account related problems with Chase or any other bank. I just want my money released and do not feel Chase has the right to withhold my own funds from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: JPMORGAN CHASE & CO.
State: OK
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
some one stole my check books although i was not 100 % sure where or how. i could only assume it happened on XX/XX/2015 when i went to wash my suv. on XX/XX/2015 my XXXX called notifying me someone was trying to cash a check but they would not honor it because the signature did not match with my signature, however my " chase bank account '' not only cashed XXXX different checks with no matching signatures on the same day XX/XX/2015 they would not refund me the amounts stolen and although i filed a police report. chase claimes it was my fault claiming " i substanially contributed to the making of the forgery '' REALLY?!! what is that supposed to mean .. why? didnt chase bank notice the signature did not match .. XXXX not only noticed that the signature did n't match but they contacted me right away to inform me and the thief was unable to get any funds from this account ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: ERC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never had an account with ENHANCED RECOVERY CO L  nor XXXX the original creditor. I have requested a debt validation from them more than twice to no unveil. I would like to see the original contract that I signed showing my signature SSN, and D.O.B, as proof that I owe this debt. I would like for this collection to be removed from all 3 of the CB because I have never received validation of this debt, per the FDCPA. Besides this is hurting my Credit Score and I am trying to purchase my first house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am having an issue getting my free annual credit report from XXXX XXXX, Equifax and XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to one free credit report annually. Furthermore, I need XXXX XXXX, Equifax and XXXX to release my credit file and report to all lenders, creditors, banks and credit unions who need a copy of my credit report to review my credit report to offer me credit cards and installment loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
We the American people will rise against you Ocwen XXXX, and we will bring you XXXX down. Ocwen XXXX can not control themselves, full of greed living in another planet. Totally incompetent! 

Ocwen Loan Servicing LLC, N.J. Super. App. Div. ( per curiam ) ( XXXX pp. ) Plaintiff XXXX XXXX. XXXX appealed an order dismissing his XXXX-count amended complaint for failure to state a claim. The appellate panel affirmed the dismissal with the exception of XXXX counts. Plaintiff filed the complaint against defendants Ocwen Loan Servicing LLC and XXXX as Trustee. The complaint alleged that over the course of 22 years, defendants engaged in a pattern of misconduct by refusing to accept plaintiff 's mortgage payments in order to claim default and file frivolous foreclosure actions against him. The first count surviving dismissal alleges that plaintiff made mortgage payments and paid insurance premiums over a lengthy period of time without receiving proper credit, defendants failed to pay real estate taxes funded by plaintiff 's mortgage payments, and defendants charged plaintiff for insurance premiums that were improper and never credited. Moreover, plaintiff could not challenge the alleged amount due because defendants dismissed the foreclosure action. The appellate panel found that this count alleges valid claim for an accounting and reversed the court 's order dismissing it. The second count surviving dismissal alleges that defendants engaged in a course of deceitful and unconscionable conduct in their efforts to enforce and collect the sums due under plaintiff 's loan. The actions alleged included failing to accept and credit plaintiff 's mortgage payments in order to falsely claim he was in default, and demanding payments for premiums and other purported costs that were improper. Those allegations were sufficient to state a claim under the Consumer Fraud Act that defendants engaged in unconscionable loan collection practices. The panel reversed the court 's dismissal of that claim. The panel noted that, despite defendants claims otherwise, loan collection efforts undertaken by the " lender or its assignee '' fall within the protections of the CFA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: TD BANK US HOLDING COMPANY
State: NH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
TD Retail Card Services ( TDRCS ) opened a XXXX account in my name without my knowledge or authorization. I contacted them, submitted an affidavit and other materials and they are in the process of resolving the issue. One credit bureau has removed the account and charge but the other two have not yet. However, my complaint concerns my rights of the Fair Credit Reporting Act ( FCRA ) which says that TDRCS   MUST give me copies of applications and other business records relating to transactions and accounts that resulted from the identity theft if requested in writing. I sent my written request on XX/XX/20 to the email address provided to me for submitting the affidavit and other supporting documents. I called yesterday, XX/XX/20, to verify that my request had been received and was told by XXXX ID XXXX that TDRCS  would not release that information to me. I am not sure how they can deny that information to me as the FCRA specifically provides me the right to the requested documents. 

I would also like to file a complaint on the charge against the fraudulent account. My credit monitoring service alerted me to a hard inquiry on XX/XX/20 and I called TDRCS on that date to report the fraud and was told that no charges had been made against the account and was assured that they would not allow any charges to be processed while they investigated my fraud report. However, 6 days later on XX/XX/20, TDRCS  allowed the fraudster to make a charge against the account even though I had reported the fraud 6 days earlier and TDRCS assured me that all activity would be blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reviewed my consumer report and saw unauthorized inquiries : XXXX ( XX/XX/2021 ) XXXX XXXX XXXX ( XX/XX/2021 ) XXXX XXXX  ( XX/XX/2021 ) I request to have these removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had my student loans closed and forgiven through XXXX 's XXXX XXXX XXXX XXXX discharge, but Navient still shows the account 's as open and in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased an item that was defective and tried to return it, but they would not accept. 
The problem is that chase credit card bank is violating my rights under the fcba in regards to disputes. they never notified me in writing of the dispute or anything else for that matter, they did not issue a temporary credit as they stated to me. there is no where for me to see the staus of this dispute and they refuse to answer secure emails other than we will respond to you in one business day. I have 6 or 8 of these emails with no actual information supplied in regard to the dispute. I talked to a supv today named XXXX that refused to give me an employee number other then he is in ohio. and again refused to do a temporary credit or send me a letter of the dispute. they have never sent me anything in over 2 weeks andf actually refuse to do anything as per the FCBA regulations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-29
Company: PNC Bank N.A.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I was informed that in order to close my account I must have a {$0.00} balance. On XX/XX/XXXX, I transferred out my account balance of {$5100.00} as the first step in closing my account. Immediately after my account balance was brought to {$0.00} I was charged a {$25.00} " Service charge '' on the account due to having a {$0.00} balance. I received notice that the fund transfer was completed on XX/XX/XXXX and immediately contacted PNC Bank via secure message requesting to close the account. I was informed that it was now not possible to close the account that there was negative balance on the account as a result of being charge the " Service Charge '' by PNC. 

On XX/XX/XXXX, I again requested PNC to refund the service charge as it was documented that the XXXX balance was a result of taking the steps to close the account but I was never given the opportunity to close the account for the instant the account had a {$0.00} balance the service charge was applied to my account making it impossible for myself or any consumer to close an account without being charged a {$25.00} fee for having a {$0.00} balance. This is predatory trap by PNC

Company response to consumer: Closed with monetary relief