BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Today my sister went to a Chase Bank located at XXXX, NY XXXX. to make a deposit they rejected it because the account was compromised and they blocked it and their response is that account will be close. nobody can explain to us why was that or what happened. I called this # XXXX and the same thing, the operator could n't give us a right answer or solution to our problem. so Now our business is affected with a cause we do n't know, we sent many checks out, calling suppliers, asking for excuse, we can not accept credit card and make deposit, our money is frozen until they decide to send it back in two or three weeks, so what we 're suppose to do, close the business??

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: JPMORGAN CHASE & CO.
State: AK
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I applied for a credit card that would give me a discount on Amazon. As a result Chase Bank sent me a SNAIL MAIL saying that if I did n't respond by 30 days from the date of the letter, they would discontinue the evaluation of the application. I 'm traveling and I finally received the letter 26 days after they sent it. Now it 's impossible to find an e-mail address for this bank and I do not have the means to call their XXXX number. This is a major frustration and seems very UNPROFESSIONAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: JPMORGAN CHASE & CO.
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
XX/XX/2016 I traveled from XXXX ( where we live ) to XXXX, XXXX. I remained in XXXX until XX/XX/2016 ( with a day trip to XXXX on XX/XX/2016 ) and flew back to XXXX that day. My husband called to tell me he had a text from Chase bank telling us the account was overdrawn. He called Chase to report this. I also had to call also because my name was on the debit card. We were told we would have a resolution in 45 days. There were XXXX disputed, fraudulent transactions, XXXX in XXXX and XXXX in XXXX, for a total of {$3000.00}. Once I arrived home on XX/XX/XXXX we completed the required paperwork and returned it to Chase. 
XX/XX/XXXX we received a letter from Chase stating their investigation of the matter was complete and the temporary credit they had placed in our account was being reversed for a total of {$2900.00}. I called the customer service number and spoke to a representative who essentially told me that even though he believed that I did not make those charges, we are still responsible for the charges. He said he understood that technology is used by thieves to create new debit cards which need to be swiped to make a purchase, but the technology " does not exist '' to replicate a debit card with a chip. The " purchases made with the chip reader '' were our responsibility. 
The XXXX transactions that were 'allowed ' by Chase were both from XXXX . 
I closed our Chase accounts on XX/XX/2016, as we no longer trusted Chase to keep our money safe. 
Today ( XX/XX/2016 ) we received a letter from Chase stating " there is a {$2900.00} balance due on your Chase acct ending in XXXX ''. 
I have never been in XXXX. I did not travel to XXXX do any shopping in XXXX XX/XX/XXXX. I did not make those charges and neither did my husband. We would be happy to swear to this fact. I have credit card statements that can verify I was in XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Received notice that Chase Bank is ending their relationship with XXXX on XXXX XXXX, 2015 so my XXXX XXXX XXXX XXXX will no longer be in effect after that date. They will be opening a brand new ( different ) Chase Freedom Visa Signature credit card account. I called on XXXX XXXX and then again on XXXX XXXX to speak with a supervisor, XXXX XXXX. In both conversations I got the same story. I could not just let the old card expire and request that a new account not be opened. I either had to wait for the new card and then call to cancel the new account or cancel the current account to stop the new XXXX from being opened. As part of the XXXX XXXX conversation, I opted for the latter option. Either way, I 've been put in a position of negatively affecting my credit score by having to voluntarily cancel an account. 

How is this fair? I thought part of the Act was to prevent credit card companies opening unasked for accounts - I guess their lawyers found a loophole for so-called " existing '' customers? This stinks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
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 recently sent two dispute letters to XXXX in reference to inaccurate information. In accordance with the Fair Credit Reporting Act, The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account # XXXX, Has violated my rights. 

15 U.S.C 1681 section 602 ( A ) states : I have a right to privacy 15 U.S.C 1681 section 607 ( A ) ( B ) Every consumer reporting agency shall maintain reasonable accuracy of report 15 U.S.C 1681 section 611 ( 5 ) ( A ) ; Treatment of inaccurate or unverifiable information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: EQUIFAX, INC.
State: WA
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 XXXX Account number XXXX XXXX ; has violated my rights. 

15 U.S.C 1681 section 602 ( a ) States I Have A Right To Privacy.

15 U.S.C 1681 section 604 ( a ) Also states A consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My credit reports are showing inaccurate info regarding a bankruptcy. This bankruptcy should not be on my credit report. I sent letters to all XXXX major credit bureaus including Equifax, XXXX and XXXX and my letters we're either ignored or the results came back as verified but this can not be accurate. The response from XXXX and Equifax was received XX/XX//2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: Paypal Holdings, Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Yes I received an email from paypal stating that they took {$1900.00} out of my account for an XXXX XXXX that I never ordered or authorized! I tried contacting PayPal numerous times & they are ignoring me! They owe me {$2000.00} immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: Bridgecrest Acceptance Corporation
State: NY
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 AccouRt # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency canne furnish a account without my written instructions.

9384 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open End consumer credit As late for and purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
An offer letter was submitted, outlining conditions of paying a disputed debt, along with a restricted endorsement on the payment instrument itself. 

Portfolio Recovery Associates processed this payment instrument, without adhering to the accompanying agreement. 

Further attempts to follow-up have been unsuccessful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-19
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Noticed transactions on my checking and saving accounts that I did not do. Bank said someone with a fake copy of my drivers license that also knew my account numbers made multiple fraudulent counter withdrawals from my accounts. I made claims with my bank to get the funds back. After 12 business days of no resolution after filing the claim I called bank. Bank made mistake and over stated amount of fraud. That mistake raised amount over threshold that they said required I do an affidavit. But they never told me to do the affidavit. Now I have to wait an additional 10 days for the refund due to banks errors. Especially the fact they never told me about an affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I previously filed a complaint with Citibank. After weeks of waiting for a response, I am still in need of information. While related to previous inquiries, this INQIUIRY IS DIFFERENT and a request for documentation I have called and left messages with the executive assigned to the previous case, but have yet to hear back. I need information about the credit protector service that I was recently issued a refund for. 1 ) When was the credit protector activated on the account? 2 ) After trying unsuccessfully to activate the benefits, I closed the account protector program. What date was this done? 3 ) I have filed numerous requests for missing statements and have yet to receive them. XXXX XXXX  nor Citibank has not responded to requests. I am now requesting all statements on the account from XX/XX/XXXX to XX/XX/XXXX. 4 ) I am also requesting the account statement that shows when the account protector benefit was added. 5 ) The account statement showing when the account protector benefit was taken off at our request. 6 ) A copy of legal document showing what the account protector program benefit entailed. 7 ) a copy of the calls that were recorded when speaking with XXXX XXXX-the executive that covered the previous complaint. 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 2015-09-23
Company: ONLINE Information Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
ONLINE COLLECTIONSXXXX XXXX XXXX, XXXX, NC XXXX ( XXXX ) XXXXThis company claims they sent one letter to me regarding this debt and then attached to my credit report. I never received letter and they say since they did not receive returned mail, they had right under federal law to report to credit bureau. One supposed letter and no phone calls is hardly due diligence to notify me before impairing my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: Viking Client Services
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I rented a car from XXXX. When I arrived they did not have the intermediate size car I had reserved and prepaid at a rate of {$73.00} and could only provide a larger car which would be more expensive. They quoted me an additional {$56.00} for the rental. I was not very happy about that but had few options so I accepted. When I returned the car at the time agreed, they instead charged me an additional {$150.00} with no explanation or justification for the increase. I repeatedly phoned the XXXX office who said they would adjust the charges, but they did not. Finally I disputed the additional charges with my credit card company. During this process XXXX had an opportunity to contest the dispute and they did not ( as seen in the letters from XXXX. ) Therefore XXXX refunded me the {$100.00} that was over and above the amount I agreed to pay. I thought this was the end of it until I received a debt collection letter from Viking. Now, this is affecting my credit and I do n't know what to do. I *do not owe this money* - but there seems to be nowhere I can go to establish this fact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: JPMORGAN CHASE & CO.
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our home was flooded in the XXXX flooding of Louisiana. The insurance company issued us an advance of {$10000.00}. The final check was issued to us as well as Chase, our mortgage company, for {$76000.00}. Upon depositing the check to Chase 's restricted escrow account on XXXX/XXXX/16, they released {$10000.00} to us. We submitted our adjustor 's estimate, as well as proof of loss docs and a signed letter of intent to repair. We requested an inspection from Chase. Their inspectors report has us at 62 % completion. Chase then told us they would only release an additional {$10000.00} because we did not submit a contractors license, estimate and lien waiver despite the fact that we are not using a contractor. They insist we have one even though the remaining repairs do not require a licensed contractor. They did, however, suggest that if we get to 90 % or greater on our own, then they could release all funds to us. Also, they supposedly mailed that {$10000.00} check on XXXX/XXXX/16. We have yet to receive it on XXXX/XXXX/16. That 's after they claim our signed direct deposit form to our chase checking account could not be accepted even though they 've deposited the other draw into it previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
This is my second complaint submitted to Chase. I recently submitted a complaint and forward to Chase over a month the paperwork for which I have not received not even one letter about my case. I am enclosing the package that was sent to Chase with the evidence from the Postal Service. What is the next step?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: JPMORGAN CHASE & CO.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
CHASE AUTO FIANCE HAS ILLEGALY PULLED A COPY OF MY TRANSITION AND EQUIFAX CREDIT REPORT FOR VECHILE LOAN I NEVER APPLIED FOR, RUNNING INQUIRIES AND CAUSING A MIXED FILE! I WANT THIS FIXED IMMEIDETLY AS I HAVE NO RELATIONSHIP WITH THIS BANK AFTER THE FRACAS THAT OCCURRED A YEAR AGO.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Other fee

Complaint:
I had a XXXX percent promotion on purchase with Chase Band Freedom credit card. I had confirmed with Chase bank that the promotion expires on XXXX XXXX, 2016. I paid the balance in full on XXXX XXXX, 2016. 

Chase bank charged me {$46.00} interest and it claimed the expiration date is XXXX XXXX, 2016 instead of XXXX XXXX, 2016 as it confirmed. 

I contacted Chase and asked it to refund the charged interest, it has flatly refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Chase closed my account over the weekend ( non-business day ) and is holding my funds without explanation. Today, XXXX XXXX, I walked into the branch and they did n't disclose information about the status of my account and I was told that they were n't able to release my funds to me. I always deposit my checks inside the bank and keep a regular balance. I 've never over drafted and I was never charged a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have XXXX as my alarm company, they offered me solar i accepted it they are now damaging my credit which is illegal and a violation of the fair credit reporting act and the fair debt collection practices act.. specifically they are harming me by having a 30 day late on my credit. ( Which is an accurate because the first payment is not due until XX/XX/2022 ) And many harassing phone call XXXX has violated the following : 15U.S. Code 1681a ( 2 ) A ( i ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1692e ( 4 ) 15 U.S. Code 1692e ( 8 ) 15 U.S. Code 1692e ( 11 ) 15 U.S. Code 1681i ( 5 ) ( A ) ( I ) 15 U.S. Code 1640 ( 2 ) ( A ) ( I ) 15 U.S. Code 1640 ( 1 ) 15 U.S. Code 1640 ( 2 ) ( B )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: EQUIFAX, INC.
State: LA
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 XXXX  and XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX 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 without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 XXXX and XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX 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 without my written instructions.

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 2016-08-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
XXXX/XXXX/16, I attempted to make a deposit of XXXX checks at the ATM at Chase bank in XXXX XXXX, California. It ate the XXXX XXXX checks for a total of {$1700.00} and returned the other XXXX checks back to me w/o any verification of the XXXX checks it did not return. When i got home i called them and after about 30 minutes of repetively being put on hold i was told they found the XXXX checks and that they would be credited to my account and it would show in a couple of hours. XXXX/XXXX/16, i still do not show the deposit that Chase online said would be posted to my account. When i called them today they have again put me on hold for over 30 minutes and if i ask for a supervisor they usually put me on hold and never come back. I 've had that happen 3 times today. The XXXX line person refuses to identify themselves by name or ID badge so i ca n't even hold them accountable for never coming back to the phone. I am now out {$1700.00} with only a promise that it wlll be posted to my account. The first promise is now broken. It 's very difficult to pay my bills when they 've " stolen '' my money and i 've done nothing wrong other than make an ATM deposit. Their customer service simply stinks. I spend all my time answering their ID questions and no time getting answers to what happened to my money and when i will get it credited to my account. Guess this is what you get when you bank at a " too big to fail bank ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-19
Company: JPMORGAN CHASE & CO.
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Due to countless XXXX issue and my being on XXXX, we were offered a loan modification in the XX/XX/2014 and instead of helping lower our monthly payment they attempted to raise it by {$210.00} a month and said it was a very good deal and I should sign it. Of course I refused to sign papers and they, without permission held my XXXX payment so we would be in arrears and they could proceed with the modification in spite of my declining it. We want them to lower our payments by reducing our loan and reducing the rate, we do n't qualify for HARP and I know they have programs available they wo n't tell anyone about.

Company response to consumer: Closed with explanation