BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I tried to use my debit card on XXXX XXXX but it was declined. I paid cash for my transaction and did n't think anything about it. My paycheck is direct- deposited into my Chase account on or before the XXXX XXXX of every month. I tried to check my account this morning but got a message stating that I needed to contact Chase. I managed to check the balance by phone to find a XXXX balance. So I called customer service only to be told that my XXXX yr old acct was audited and that Chase decided I was no longer their customer and closed my acct. No notice of any kind! I will have to wait 10 days for a letter from them, can not access my paycheck and have several auto- pay bills that will not be paid on time. They refuse to discuss the issue and will not tell me what to do to keep my account open. My credit is going to take a big hit now and I can not pay my bills! I spoke with XXXX from customer service and he told me to stop spending! What was that about? I need to access my money-back money that pays my bills, gets me to work and feeds my family!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
i made an atm deposit at chase in the amount of {$470.00} however there atm machine decide to change it to {$170.00}. transaction was made at XXXX on XX/XX/2016 AID # XXXX, XXXX fl atm XXXX. 

when i called them regarding this they routed my call to a foreign country who said they were going to assist me but instead they transferred me back to the customer service que and then to a XXXX survey without a live body coming back to the line. when i called right back from the same number they then pulled this we can not hear you XXXX.should it really take XXXX calls to get someone to help me? when i finally got a usa based supervisor on the phone they were unhelpful and refused to look up the transaction even though i gave him the number. what i do not understand is how i can clearly see the check for {$470.00} on my atm receipt and should also be able to see it online in my account yet they refuse too use there own technology. I want the missing {$300.00} credit today and a letter of apology for there offshore reps being so rude

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-02
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit card
Issue: Other

Complaint:
Chase is reporting XXXX credit card accounts on my credit reports that are over 7 years old form last active and past the 3 years of statute of limitations of debt collection. Chase/BestBuy Card ( XXXX {$540.00} last active XX/XX/XXXX ), Chase Credit card ( XXXX last active {$2700.00} XX/XX/XXXX ), I have disputed these account to be removed because they are over 7 years old and past the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: ENCORE CAPITAL GROUP 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:
I have never done business with this company and do not have a contract with them and never will I want this account to be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had a good working relationship with chase bank for years and suddenly when i applied for a new account, they closed all my accounts without explanation and sent me a letter saying i have no more active accounts with the ... they wont give me an explanation what i did wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card
Issue: Application processing delay

Complaint:
ON OR AROUND XX/XX/2016, I APPLIED FOR A CHASE CREDIT CARD THROUGH THE INTERNET. MY CREDIT SCORE WAS XXXX AND ABOVE, I AM WELL ESTABLISHED ON THE JOB AND HAVE A STABLE CREDIT HISTORY. HOWEVER, BECAUSE THERE WAS AN ALERT ON MY CREDIT FILE, CHASE CONTACTED ME THROUGH THE U.S. MAIL TO INFORM ME OF THIS. THEY INFORMED ME TO CONTACT THEM VIA TELEPHONE TO VERIFY MY IDENTITY. I WAS TOLD THAT THE ALERT ON MY FILE WAS THE REASON MY CREDIT CARD WAS NOT APPROVED. AND THAT IF I UPDATED MY CREDIT FILE WITH CONTACT INFORMATION OR CONTACT THEM VIA PHONE TO VERIFY MY IDENTITY, THEY WILL APPROVE MY APPLICATION, AS THIS ALERT WAS THE ONLY THING DELAYING THE APPROVAL. I EVEN MAILED IN A COPY OF MY DRIVER 'S LICENSE AND SOCIAL SECURITY CARD. ON OR AROUND XX/XX/2016, I CONTACTED CHASE VIA PHONE, PROVIDED MY INFORMATION AND COMPLIED WITH AND PASSED THEIR SECURITY CHECK. ON OR AROUND XX/XX/2016, I RECEIVED A DECLINE OF MY CREDIT APPLICATION, STATING ITS BECAUSE MY CREDIT WAS PULLED TOO MANY TIMES. CHASE 'S REASON FOR NOT APPROVING MY CREDIT IS BIAS/DISCRIMINATORY, EGREGIOUS AND CAPRICIOUS. CHASE LEAD ME TO BELIEVE THAT IF I PROVIDED ALL MY SECURITY INFORMATION OVER THE PHONE, PROVING THEM WITH DATE OF BIRTH, SS #, MOTHER 'S MAIDEN NAME, BANK INFORMATION, COLLEGE ATTENDING ETC., THAT MY CREDIT APPLICATION WOULD BE APPROVED. HOWEVER I WAS LIED TOO. I BELIEVE I HAVE BEEN DECEIVED AND FURTHERMORE, MY CREDIT SCORE HAS BEEN LOWERED BECAUSE OF THEIR INQUIRIES INTO MY ACCOUNT DESPITE THEM ALREADY DECIDING NOT TO APPROVE MY CREDIT CARD APPLICATION. NOW, MY CREDIT IS DAMAGED FOR THE NEXT 2 YEARS AND IF I REAPPLIED FOR A CREDIT CARD WITH CHASE, MY CREDIT SCORE WILL BE LOWERED AGAIN. ALL OF THIS HAS CAUSED A NEGATIVE IMPACT ON MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I saved up enough money to pay off XXXX of my student loans entirely, with the intentions of reducing my monthly payments. To confirm that the payment would in fact pay-off the specific loan and reduce my monthly payment I had called Navient 's support group. After having previous experiences with payments not being applied as requested, I figured I would cover all aspects of any fine print with a Navient representative. Being reassured that paying off this loan would in fact reduce my monthly bill, I " pulled-the-trigger '' with the planned payment. Unfortunately my efforts to pay off this loan completely had no benefit towards me. To my surprise, my bill actually increased after I paid off a $ XXXX loan! How could this be? Especially after being told the complete opposite from a Navient representative ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Hi I no longer have the vehicle and the Carsalesman is under federal investigation. He did all bogus paperwork. He got fired from the dealership for doing all fraudulent deals to get vehicles. I feel this should n't be on my credit it he is incarsurated for the crime. It is really bothering me I ca n't get another vehicle and I have serious health issues. I have contacted the dealership and they said they would sign statements allowing Santander USA to know what happened. I have disputed it on all XXXX credit beraus. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Bank of America has lied and they just do not want to assist customers in finical hardship. Since our last discussion I looked into Bank of America option of Credit Counseling and they should be aware that CLOSED accounts are not eligible for that plan. My account is closed and has been for sometime which means that it is not eligible for their suggested program and yet they still refuse any assistance to their former customer in addition Bank of America has yet to provide me with information about their " regulation '' that restrict their programs but no other bank including those larger than Bank of America appears to have the same restrictions.

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 2016-08-31
Company: TENET HEALTHCARE CORPORATION
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I do n't see my exact issue listed but I have yet to be contacted regarding a " medical debt ' that this company is supposedly trying to collect. The only way I know about this 'debt at all is through a credit alert I recvd on XXXX via XXXX XXXX. Upon checking into it I discovered XXXX for XXXX XXXX XXXX XXXX had just been turned over for collections and this agency had reported that to both XXXX and XXXX. Thing is- the date of service was XXXX/XXXX/2011!! And despite no communication for over 5 years - they now try to collect a debt that may not even be mine! Its been so long that not even the hospital can tell me what the charge represents nor can Central Finance- but they wasted no time reporting to credit bureaus. I 've lodged disputes with credit bureaus but nothing is going on. Can you help??

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 2017-01-13
Company: Navient Solutions, LLC.
State: IN
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Lady friend forge my name on school loan as an co-signer without me knowing it, then we got married ( XX/XX/XXXX ) and divorce ( XX/XX/XXXX ). 
Nine years later they want me to pay for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have sent several requests to Experian to provide me with the documents that their company has on file that were used to verify the accounts I 've disputed. It 's been a few months and they have not been able to verify these accounts. As a result, per the FCRA, section 611 ( 5 ) ( A ), they are required to " promptly delete all items which can not be verified from the file of the consumer. '' Please help me resolve this issue.

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 2015-07-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX charge off account is being reported incorrectly on my Credit ReportI called XXXX and they were not able to provide me information on this account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am being billed for an item I have no knowledge of, until I received a letter from the collection agency. I was out of the country for a period of time and I believe someone that resided with me at the time, created an account with out of my knowledge.attached is my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Please have experian update my credit report on Docket number XXXX from satisfied to vacated enclosed is a signed agreement to vacate from plaintiff attorney

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX, XXXX and Experian are reporting a {$93000.00} dollar deb in my credit reports and this is a mistake make by the child support system. After a lengthy proses trough the court systems I was able to correct this problem and the judge finally signed the order to remove the deb. So since XXXX XXXX 2015 my balance is {$0.00}. but this above mentioned credit agencies refuse to remove the information from my credit file despite my efforts to provide copies of the original court orders and XXXX requests to remove it. They just do n't care. {$93000.00} this is what creditors see when I apply for credit that I have an outstanding debt of {$93000.00} and this is impairing me from buying a house or a car. 
I am writing the CFPB as my last resource of dealing with this credit agencies. Please help me with this problem. 
Thanks. 
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 2015-09-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I wrote to credit reporting agency this XXXX attempt to get the following XXXX items deleted from my credit report. The following collection item is entirely wrong. 

XXXX XXXX # XXXX A/C # XXXX have no contract with XXXX XXXX so I am not sure why are they placing this account in collection. I asked, If I have signed something, please send me a copy of signed contract otherwise immediately delete this collection account as it is having negative impact on my score. 

According to Fair Credit Act, they must furnish me details of how a collection account is placed on my name and with details, I required signed and executed contract. 

I previous disputed such items, and also sent them a court judgement where a Judge of XXXX County has clearly stated that I, XXXX XXXX, am not personally responsible for this account. You returned stating that this Account number is not being reported on my credit report and referenced it as Account # XXXX. However court judgement which is attached here states that Account # which is NOT XXXX XXXX 's responsibility is XXXX. 
They have stated that you have verified information from sources, however no such verification process system was explained and documents used was sent to me. 
I contacted the Creditor and no adequate response was received.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX has listed an inquiry on my credit report on XXXX XXXX 2015 that was initiated from XXXX XXXX Apartments in XXXX, Virginia. I did not authorize this inquiry and would like it removed. I called XXXX but XXXX at XXXX refused to remove the inquiry, stating that only XXXX XXXX can do so. I had to sue XXXX XXXX for illegal actions and prevailed. I would like this inquiry removed.

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 2015-10-27
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was the victim of an identity theft by my ex-wife. She was charged with the crime and convicted and received probation. When we separated she stayed at the residence. She became involved with another person and they applied for credit everywhere using my identity and she wrote thousands of dollars in bad checks against our closed joint account. She started out making an attempt to actually pay the bills because she did not want to get caught. She told the judge that she had intended on maintaining the fraudulent accounts so she could have the credit, but she was afraid getting caught would affect our custody battle for my child. She was charged with the crime and made a plea deal admitting to stealing my identity, writing thousands in bad checks and fraud. I have gone back and forth with primarily Experian about this for years even providing them with proof that the identity theft occurred. I am the victim and I 'm still dealing with this, she is the criminal and got 18 months of probation. When Experian investigated it they said the accounts were set up from an address on my report ( I left the residence to her ) and also noted that some payments were made at first on the accounts which she admitted doing to the judge because she did n't want to get caught and was afraid she 'd lose custody of our child if she got caught. All of this is on record with the Superior Court of XXXX XXXX Georgia and the police department. Long ago I actually sent Experian a letter from the prosecutors office supporting the identity theft and still Experian did nothing to remove these identity theft accounts

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I ca n't log into my online experian account and I know I am answering the security questions correctly. I looked on XXXX XXXX and an address in XXXX is showing up and I 've never lived anywhere outside of XXXX. I researched the property and.it says the property owner is a XXXX year old 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 non-monetary relief
Consumer complaint received 2015-08-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
My Wife and I are looking for a joint mortgage, but we are denied because ~XXXX years ago XXXX and XXXX XXXX failed to update XXXX judgements as Paid-In-Full. Now the home I want may slip out of out hands as I " try '' to present court receipts to the XXXX agencies. Because there was XXXX Judgement in each of our names, this is an auduous process. By phone, hold times are a joke. Online, I must recieve credit reports before adressing the issue on each company. Email contacts for this issue are not posted, and snail-mail contact will insure the only home sharing property lines with my parents will belong to somebody else. This is not a disputeable issue, this a factual issue will much documentation that was not updaded by the companies. 

This also means that my car loan, my car lease, my credit card payments have been based on incorrect information. For years my wife and I have been subject to injustice due to failue to conform with the Fair Credit Reporting Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is a satisfied judgement on my credit report the judge has vacated it please remove it from my credit report.enclosed is a copy of the consent order from the court.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-30
Company: AFNI INC.
State: GA
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:
The mobile phone company ( XXXX ) had a breach in accounts and my account was ported to another mobile phone company ( XXXX ) without my consent. I had to work nearly two weeks with XXXX to get my mobile phone number and in that process figure out why this happened. A XXXX representative did confess to me that a number of XXXX accounts had been breached and information was used to open new accounts. After XXXX retrieved my number back from XXXX I started receiving letters from a collection agency saying I owed XXXX for a closed account. This was not a closed account because I still currently have services with XXXX using the same original number ( as of XX/XX/2017 ) and XXXX wrongfully assigned this account out for collection. I disputed the charges with the agency and to no avail were they willing to investigate or cooperate with XXXX. This account now has been assigned to XXXX different collection agencies without anyone attempting to investigate or resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: AFNI INC.
State: TX
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:
AFNI, INC. Is Reporting under XXXX Bureaus and have not verified the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: VALLEY NATIONAL BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Valley National Bank informed me that the interest only period would end XX/XX/XXXX. 
Payment to go from XXXX to XXXX ( or there abouts ). I sought their help in reaching a modification agreement and submitted their application along with all the income required documents. XXXX XXXX XXXX communicated with me several times via email with additional requests or to communicate questions. On XX/XX/XXXX, I received a denial of modification with a one line statement as to the reason : Sufficient income ... 
Using the same established means of communication, I requested a more elaborate explanation as to how they came to that conclusion. My emails went unanswered. On XXXX, I used your template to request information. I explained again, that I need a more elaborate explanation in order to have a chance at an appeal. As of today, nothing has been received. Further the above servicer will only tell me that the loan owner is a trustee with XXXX XXXX. I also asked that they provide proof of communication with that trustee owner. Please intercede. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation