BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chase has indicated that I made multiple fraud claims over a short period of time and have decided to close my VISA account on XXXX. However these events happened through in the past couple of months happened through no fault of my own, I've promptly reported the damages to Chase in a timely manner. I'm grateful for Chase ' Zero Liability Protection but I it appears that I am now punished for something outside of my control while being the victim in this scenario. I'm beyond stressed out because this happened out of the blue with no prior notice and this credit line is suddenly being closed. I have since contacted their Fraud department but they were unable to assist me further indicating the decision is final.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: AES/PHEAA
State: CA
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 consolidated my private loans in 2008 over to XXXX ( XXXX XXXX at the time ) originally held by AES ( American Education Services ) and National Collegiate Trust. Since then XXXX has been the note holder on these loans. About a year ago I begin getting collection calls from XXXX indicating I had a balance remaining from when my loan was consolidated back in 2008 and it has been accumulating interest for almost 10 year. The balance they are saying I owe is {$3.00}, XXXX, most of that is interest on a balance that I never knew was outstanding to a company who no longer holds the notes to these loans. They have begun calling me multiple times a day and disclosed this debt amount to my husband on a line that he uses for work and was at work at the time. XXXX XXXX is not a co-signer or in anyway a party to this an should not be contacted regarding this matter. I only know now that this was them calling because it was the same number that called him, but no messages werre left explaining who was calling and why. This may be a third party collector, but they identify themselves as being the Trust. 

The contact given to my husband : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On  XX/XX/2017    approx.  XXXX  est. I spoke with a Customer Service/Sales Representative with Bank of America. I was initially looking for t he Human Resources Depa rtment, but the Representative that answered the phone sold me on a credit card. I was approved for a credit card limit of {$10000.00}. Several times throughout the call I emphasized to the Representative I only wanted a credit limit of {$2000.00}. Now a week later I look at my balance online and of course it is a {$10000.00} limit. The Representative did the exact opposite from what I requested for her financial benefit. I will be in the market for a refinance before the end of the year and want my debt to income to be as low as possible so I can qualify for the best loan. I know for certain this was no mistake because I reminded her numerous times and even told her I did not want a {$10000.00} limit. I have several accounts with Bank of America and should be able to trust them to do the right thing for their loyal customers.

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 2020-03-19
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On the night of XX/XX/XXXX, we had two debit card charges of {$5.00} and {$15.00} hit our account, as well as an XXXX XXXX charge of {$100.00}. Additionally, we had an automatic transfer occur for {$100.00} that automatically sent {$100.00} from our BB & T checking account to our BB & T savings account. This same night, we also had a direct deposit of {$1300.00} hit the checking account as well. What BB & T did was to arrange the debits in a way that caused the checking account to go slightly negative for a brief moment in order to charge us an overdraft fee, and then they applied the direct deposit to the account, bringing the account positive. Aside from the fact that they stacked the debits and direct deposit in a way as to cause the account to briefly go negative, I think its criminal that they should even charge overdraft fees for an overdraft caused by an automatic transfer of money from one account at their institution, to another account within their institution under the same customer name, but thats beside the real point here. At the end of business day on XX/XX/XXXX the account was in the positive, and at the beginning of business day on XX/XX/XXXX, it was also in the positive. BB & T has refused to fix the 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 2016-04-02
Company: AMERICAN ADVISORS GROUP
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XXXX XXXX I began discussing a reverse mortgage with XXXX XXXX of American Advisors Group. As of today, although all the paperwork has been submitted and the loan approved was approved in XXXX XXXX, they have failed and refused to go to closing. XXXX XXXX does not return phone calls or respond to emails. There is always some excuse. It took months for the appraisal of my house to be completed. At the last minute, I was informed that I had to pay for the mortgage. The appraisal was finally done and then there have been one delay after another. If I did n't need the money to do certain repairs or to reimburse my savings for repairs already done, I would not be so upset. Each week there is another problem - he called to tell me that there was a mortgage on the house - no mortgage exists - the title company did not notice that when the mortgage was released in XX/XX/XXXX, the lienholder misspelled my father 's name, which they corrected with a second release of mortgage. Within 5 minutes of receiving the call from XXXX XXXX, I was able to show him what they missed. I had submitted all documents which XXXX XXXX said they needed, yet repeatedly I am receiving calls asking for the same documents over and over again. I have called numerous times and asked to speak with XXXX XXXX 's supervisor, no one ever answers the phone or when I leave a message, no return call is received. Last week I received a call from XXXX XXXX from XXXX XXXX XXXX and we went over judgments that were n't mine. Have not heard back from her. AAG has placed me in such a financial bind that I may not recover from it. XXXX should not be an approved HUD reverse mortgage lender. Please help me! The supporting documents are so voluminous that I could not upload them. I did not receive a XXXX XXXX XXXX nor did I receive a letter of approval. All approvals were verbally given to me by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: AMERICAN EXPRESS COMPANY
State: GU
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I, XXXX XXXX, the petitioner and requester Under the FOIA and request my financial disclosure file, uner the privacy Act to petition to release my financial transaction statement with the Credit Card at XXXX XXXX XXXX in XXXX DE to provide my own disclosure transaction file record with the Credit Card at XXXX XXXX XXXX and the rights to petition to release the secret record file with XX/XX/XXXXfile number ( XXXX ) Dated XX/XX/XXXX.that I filed online with American Express Bank to transfer the money in to my XXXX XXXX XXXX here on XXXX but not credit until today. The letter, I sent to the XXXX XXXX XXXX in XXXX DE for reconsideration including my credit score from XX/XX/XXXX, and contact Attorney XXXX XXXX with his phone number, regarding the transferring the financial transaction record I expect to credit it in to my account at XXXX XXXX XXXX and transfer the financial transaction statement or my transaction disclosure financial statement file with the American Express in XXXX XXXX XXXX UT. 
The file number XXXX from XXXX not showing the address, and phone number for XXXX XXXX XXXX only the date requested XX/XX/XXXX. same as American Express Bank in XXXX XXXX XXXX UT. only showing the date requested XX/XX/XXXX. The report from XXXX about American Express XXXX in XXXX, TX Dated same as the date XX/XX/XXXX with American Express in XXXX XXXX XXXX UT. When I called the American Express in XXXX the American Express did n't have any record for me. This inquiry impact my credit score according to the report file with XXXX. These report on the 3 credit Bereu XXXX, XXXX, XXXX, and including the American Express, were incorrect report. Finally, I discovered, these companies are doctrine illegal method to covered up the truth of our credit score file and doctrine illegal method to impact our credit score and delayed the processing of my credit card issue with American Express Bank in XXXX XXXX XXXX UT. and I just received letter from XXXX for Fraud Alert which I did not request and will expire on XX/XX/XXXX and all these companies sent me research from and they made inaccurate report so I can request the research form to delayed the issue of my credit card with American Express. The time, I report with CFPB when the XXXX  employee called us and I gave her everything my wife 's personal information over the phone. I also request the CFPB to inform the American Express in XXXX XXXX XXXX. I sent the important disclosure file code number wrongly on my file address from Vice President XXXX from American Express to either one of the 3 major credit bereu above last Friday supposed to send back to American Express, and the expire Date will be XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29
Company: SUNTRUST BANKS, INC.
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Back in XXXX I filed a complaint with Suntrust Mortgage regarding our house in XXXX XXXX SD. In which i got a response and submitted the required documentation needed to foreclose the house. I had a lady email me and said thanks we will start the forclosure process this was in XXXX. We have been in contact with our case manager at Suntrust and nothing has been done. She did n't even have the documentation that I had submitted. This company has been anything but helpful. We get nonstop calls nobody knows what the other person is doing. Seems to be in complete disarray and we are the ones that are getting belittled by this company. Something needs to get done. Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-04
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Federal Loan Servicing Credit received a certified letter form me on XXXX/XXXX/2016 requesting the following information according to the FDCPA 807 [ 15 USC 1962e ] a contractual document with Federal Loan Servicing Credit bearing my signature AND marking the account disputed on my credit report. As of XXXX/XXXX/2016 Federal Loan Servicing has not complied with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXXXXXX  we received email ( attached ) showing a supposed charge and asking if it was legit. Saying to call the number on email if it was not. My wife called that number and man promised a removal of charges supposedly made on her XXXX account. Instead of removing said charges, instead new charges were made through XXXX onto her Capitol one card. 
There was no success in any attempt at resolving these charges as we all we had was an email ( attached ) which was fraudulent. 
On XX/XX/XXXX/XXXX  this activity with these charges was first reported to Capitol one. My wife then closed her current Savor card and requested a new one. 
In the meantime, in addition to filing now this dispute with you we have taken additional steps. 
On XX/XX/XXXX we filed a consumer report to the Federal Trade Commission. 
Additionally on XX/XX/XXXX we filed a police report over these charges.. 

Capitol one did not even initially inform us that these charges came through XXXX. It was not until XX/XX/XXXX that we learned this. So we then contacted XXXX. 
XXXX Dispute # is XXXX XXXX said they sent us emails but we have no record of such. 

XXXX now says that since we did not contact them first that these claims are now solely up to capitol one to reverse or not. 
NO product or service ever rendered in all these cases yet we were charged multiple times. 

Thank you for considering my case. I hope you can help. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: JPMORGAN CHASE & CO.
State: AL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a chase debit card for an account that was open in my name card ending XXXX then on or about a week later I received another letter stating that the account would be closing due to non-activity and any funds remaining would be sent to me I received a cashier 's check on XX/XX/2022 in the amount of {$1.00} # XXXX event # XXXX with my name and address listed on the check I never opened a chase account i reach out to themXXXX about the wouldn't give me any info about the account they informed me it was nothing they could do and not to worry about. Would like to have this issue investigated for fraud and identity thief as well the chase company is not concerned about my personal info or nor did they accurately verify if it was me that open the account. 
business name on check JPMorgan chase bank N.A.. XXXX az XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In 2015 my father suffered a debilitating illness and was in my care.He passed Away the care of myself ; which required me to leave my residence and move in to my grandmothers residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts withXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX I request the immediateBLOCKof all identified information stated in my CFPB and FTC report. FCRA605B ( 15 USC. 1681c-2 ) a.BLOCK, states that " except as otherwise provided in this section, a consumer reporting agency shallblockthe reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alledged identity theft, not later than 4 business days after the date of receipt by such agency of- 1.proof of consumer identity ( see attachment ) 2.copy of identity report ( see attachment ) 3. identification of such information by consumer ( stated in CFPB & FTC report attached ) 4. A statement by the consumer ( stated in CFPB & FTC report attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with FCRA 15 U.S.C. 168, I am entitled to a free credit report.

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 2017-10-14
Company: Westlake Services, LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I was 14 days late on my payment due to being in the XXXX and unauthorized charges on my bank account. I notified Westlake Financial of the issues. I made my payment on XX/XX/17 the XXXX day and then next morning when I went to get into my car it was gone. The police told me it had been repossessed but the Finance Company (  Westlake Financial - XXXX - XXXX ) said they had not issued a repo order on my car but that the loan is under review and they might not continue on the loan. The dealer where I purchased the car ( XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX, TN XXXX XXXX started sending me threatening text messages and calling my references telling them that he was checking to see if I was dead or alive. I have my receipt. I also found that Westlake Financial is not registered with the XXXX XXXX of XXXX to do business in TN, they applied but was not granted a business entity number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: STERLING JEWELERS, INC.
State: WI
Product: Credit card
Issue: Credit determination

Complaint:
I applied for XXXX separate credit cards with Sterling Financial ( Bank ). Kay, Jared and XXXX Jewelers. Each time I was approved for {$1500.00}. When they start reporting to my credit report, they only report as {$500.00} each. When I log into each separate website, for each store, it says my credit limit is {$1500.00} for each store. No where in the agreement online, or the application/approval process did it say they split the limits. I called customer service XXXX and was told basically " that 's just the way it is ''. This is shady business. Making customers think they are getting separate accounts when it really is only XXXX limit. On top of this, my credit report was pulled at least XXXX of the XXXX times I applied, causing my credit score to drop each time and also creating additional inquiries on my report. This is unfair and misleading to customers. If they only want to give me XXXX limit, then at the very least, they should only be pulling my credit XXXX time. AND, they should be putting this in a statement on the application and credit agreement. This is not the case. 
I want the {$4500.00} total for the XXXX cards as I was made to think I was getting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: Westlake Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
This is my complaint. Thank you for your help. 
Westlake Financial Services, XXXX XXXX, CA Re : XXXX XXXX XXXX loan Acct : XXXX I purchased a vehicle XX/XX/XXXX from XXXX, XXXX and they secured financing for me through Westlake Financial Services in XXXX XXXX, CA. I paid off this vehicle in 6 months on XX/XX/XXXX ( see attached statement ). I called W.F. on XX/XX/XXXX to inquire about the status of the payoff and my car title. I was told the title was processed and sent to the creditor, XXXX XXXX XXXX. I have no idea who XXXX is, or why Westlake would send them my title!! She then asked me if I still have the car, where is the car, did I payoff the car myself? ... all crazy questions. Yes, I have my car. I kept asking who is XXXX, and why did you send my title there? She said to call back on Monday, XX/XX/XXXX and speak to the Title Dept. 

I called back on Monday and spoke with XXXX in the Title Dept. She needed to research but would call me back. She called back and left a voicemail but no details, andno phone number to contact her directly. I spent the next 2 hours trying to call and get her on the line but kept getting disconnected and/or rerouted. I demanded to speak with a manager and was connected to " XXXX. '' He also looked up my account and said he needed to forward the matter to the Title Dept and instructed me to call back in 2 days. I asked why someone can't call me back instead, and he said they just needed me to call back. Now with the Coronavirus around, I'll be on hold for hours and don't have time to waste with these incompetent people. My title is missing and I want it corrected and issued ASAP. Thank you again for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In 2015 my father suffered a debilitating illness and was in my care.He passed Away the care of myself ; which required me to leave my residence and move in to my grandmothers residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts withXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX I request the immediateBLOCKof all identified information stated in my CFPB and FTC report. FCRA605B ( 15 USC. 1681c-2 ) a.BLOCK, states that " except as otherwise provided in this section, a consumer reporting agency shallblockthe reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alledged identity theft, not later than 4 business days after the date of receipt by such agency of- 1.proof of consumer identity ( see attachment ) 2.copy of identity report ( see attachment ) 3. identification of such information by consumer ( stated in CFPB & FTC report attached ) 4. A statement by the consumer ( stated in CFPB & FTC report attached )

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