BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-18
Company: JPMORGAN CHASE & CO.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
When I signed up for my checking account with Chase, I specifically opted out of overdraft protection as I did not want to incur any overdraft fees. I specifically asked when I signed up to make sure that charges would not go through if I did not have the funds in the account. 

After I signed up for my account, I learned about " insufficient funds '' fees and how those are different than " overdraft fees ''. If you pay some of your monthly bills automatically, but if you do n't have the funds in your account, the bill payment will still go through, and Chase charges you the " insufficient funds '' fee of {$34.00} per occurrence regardless of the amount you over drafted your account. 

I honestly do n't see the distinction between overdraft fees and insufficient funds fees ; it 's the exact same thing with a different name. I would rather pay a bill a day or XXXX late and incur a small late fee with whatever utility company than be charged a {$34.00} fee. 

Furthermore, I honestly believe Chase 's practice of clearing pending charges at XXXX at night and then having any direct deposit come in shortly after XXXX is an Unfair, Deceptive, or Abusive Act or Practice. There have been times where I have had a charge go through at XXXX, incurred insufficient fund fees, and then have a paycheck be deposited at XXXX. In the span of 3 minutes, I have incurred {$100.00} in insufficient funds fees and then have hundreds of dollars deposited din my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
TransUnion refuses to update the status of all the accounts that were a part of my CH XXXX bankruptcy that was discharged 15 months ago, XXXX 2015!!!! The accounts are still reporting Late and on Payment Plan. This information is false. Compare to XXXX. XXXX updated alll my information in a timely manner and responded correctly to all of ny disputes.

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 2016-01-15
Company: ALLY FINANCIAL INC.
State: AR
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
ally financial gave me a 18 % interest rate ofnmy auto loan and i also put down XXXX to get financed I believe everything was based off of ethnicity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I purchased XXXX train tickets on XXXX XXXX 2015 on XXXX. I received an email that my order did n't go through. " XXXX was unable to process the payment for your recent order. Please contact us at XXXX XXXX XXXX XXXX to so we can complete your order and confirm your reservations. '' After seeing this I purchased new tickets on the exact same train hoping that the order would be processed because I was traveling from XXXX XXXX, to XXXX and wanted to make sure the order was confirmed. Immediately following the XXXX purchase I looked at my chase account and saw that the original order did in fact go through and now I was being charged for not only the {$190.00} but also the XXXX order of {$200.00}. XXXX XXXX told me there was nothing they can do, and when I contacted my bank ( CHASE XXXX they looked into it and decided I was liable even after I showed them the email. So basically I was charged {$390.00} for a round trip tickets for two instead of the original price of {$190.00}. I still have the email XXXX to prove I was mislead and taken advantage of. Im disputing the {$200.00} charge because I feel that this is truly unfair business practice and that they stole {$200.00} from me. Please look into this and see for yourself. 

Thank youXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card
Issue: Rewards

Complaint:
Chase was offering a " refer a friend '' promotional offer if I refer a friend and they signed up for the Chase XXXX XXXX Credit Card and spend {$4000.00} in the first 3 months after account opening. For referring a friend I was to receive XXXX K bonus points. I sent the referral via email ( the promo was in email and required the friend to click the link in the email to sign up ) to my fiance whom I live with. I watched her click the link and sign up for the card. She subsequently spent the {$4000.00} within the 3 months as stated in the promo offer and received the XXXX bonus points. However, I was notified by Chase that I will not receive the XXXX bonus for referring her because " she must not have follow proper steps '' as noted in the letter I received from Chase Customer Service. She signed up for the card, spent the required amount and received the promo offer however I did not receive my bonus as explicitly stated in the offer. Chase should review their platforms handling the referral process for any errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Late fee

Complaint:
Asked XXXX Chase credit card company to change date of payment for bill to show up with all my other bills. They said they would do so. Subsequently, I missed timely payment by one day. They had not made the change they said they would. Ask for a refund of late fee + interest. They absolutely will not provide me with a credit. I paid my bill in full minus the penalties + interest and card was canceled plus my points voided. Asked again for balance to be zeroed out. They not only will not do so but they have been incredibly and consistently rude and insulting. I have called XXXX. They will not do anything. They ( Chase Bank USA NA ) are now compounding the penalties and interest. They truly seem to enjoy telling me " there is nothing we can do '' and seem in utter delight to belittle and insult me. ( " You have been previously been informed of our rules, have n't you? '' " I know you 've been refused on this before.. '' for example. ) I do n't understand why they are so interested in generating ill will. I do n't understand this commitment to punish and humiliate a formerly good customer. I would like to hereby issue a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: Westlake Services, LLC
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I took out a short-term payday loan for XXXX. I committed myself to paying the loan off in a month or two. I called Wilshire Consumer Credit to find out what amount I owed in order to pay-off the loan in full. The representative told me, " based on your recent payments, you only owe XXXX. '' I sent the company a payment for the full amount thinking that I had satisfied my debt. Several months went by and Wilshire continued to send me monthly statements. On these statements where the section " amount due '' appeared, the amount was XXXX. After three months of getting the same statements, I received a statement that said I owed XXXX. Irate, I called the company to get answers. the customer service representative said that I was given the wrong amount to settle the debt. I was given the wrong amount by XXXX! I learned that over the few months I thought my account was paid in full, they were charging me a monthly interest rate of 170.99 %. Now they say I owe XXXX! But the bill says I only owe the XXXX. I refused to pay anything outside of this amount. Wilshire Consumer Credit said they would settle for XXXX. I find this treatment and billing unacceptable. It is so disrespectful to consumers like me that I am reviewing my account with a lawyer to fight this company in court. Predatory lending at its WORST!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
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:
We are being giving the run around by the credit card company Bank of America. We have fraudulent charges againt our account from  XXXX  IL. We were able to get  a BOA e mployee on the phone long enough to look into charge and they removed  XXXX  of the charges not made by us. The problem is that there are several more and no w BOA is  giving us the run around.   We call into BOA several times. Today we called starting at  XXXX  on getting home from work it is  XXXX  and we are still being transferred and dropped. Even when we have tri ed to have them call back it rang our phone for less than a full ring before disconnecting. We have talked with nine people, had their line hang up on us four times. Giving the information that we are challenging to two or three people to have them ask us to wait and then have them hang up on us. I believe that they are practicing a program of discouragement to prevent us from resolving the false charges on our credit c ard.

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 monetary relief
Consumer complaint received 2021-12-10
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage is refusing to correct my taxes that are escrowed. The customer service department is refusing to fix their error. My taxes are paid semi-annually, always have been, nothing changed in 2021 for how my property taxes are to be paid. PHH Mortgage did not pay my 2nd semi-annual property tax bill  that was due XX/XX/2021 and is now past due with late fees. They are refusing to pay it unless I send them the bill, which they already have and the county already provided to them. The customer service rep  is refusing to fix our escrow account to semi-annual, refusing to pay the overdue property taxes, and refusing for PHH to pay the interest and late charges to the County that has accrued since they did not pay the taxes timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: PNC Bank N.A.
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On Wednesday XX/XX/XXXX, I had downloaded an investment app and had gotten a free stock. When I tried to deposit the money into my bank account, it said that it your bank made a change that prevents me from adding the money into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: First Credit Services Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX I paid a debt for XXXX $ with First Credit Services out of New Jersey. The company agreed to send a letter to the original creditor canceling my membership and any further payments upon receiving payment. They charged me XXXX $ instead of the XXXX $ and had to issue a refund. Today I received a call for a debt of XXXX {$.00} Last time I paid it the company did not send the letter to the original creditor that they had promised to send. This caused the original creditor to charge me again. 

In summary, First Credit Services promised to send a letter to the original creditors canceling any further charges from the original creditor upon receiving payment, They did not, and another payment was issued. 

First Credit Services said " You pay us, we cancel any further charges and cancel your membership. '' They did n't cancel further charges or membership.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: MS
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 AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX is furnishing. 

ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE DETAIL - DATES DIFFER FROM XXXX XXXX EXPERIAN XXXX XXXX XXXX OPENED-DATES DIFFER FROM XXXX, EXPERIAN XXXX XXXX BALANCE- AMOUNT SHOWN AFTER CHARGEOFF HIGH CREDIT-AMOUNT DIFFER FROM XXXX, EXPERIAN & XXXX PAST DUE- AMOUNT SHOWN AFTER CHARGEOFF LAST REPORTED- DATES DIFFER FROM XXXX, EXPERIAN & XXXX DATE LAST ACTIVE- DATES DIFFER FROM XXXX XXXX EXPERIAN & XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX complied with this requirement.

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 2020-05-28
Company: JPMORGAN CHASE & CO.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I contacted Chase Credit Card on XX/XX/XXXX via my account to request a response for the " Purchase Interest Charges. '' Since XX/XX/XXXX, I have been charged {$420.00} in " Purchase Interest Charges. '' I am about half my credit limit and make payments before they are due and far above the minimum amount. This is the only credit card I have. 

I received a response on XX/XX/XXXX. I responded to them on XX/XX/XXXX after no action was taken to remove the " purchase interest charges. '' I received a call from " XXXX '' on XX/XX/XXXX from the Chase Credit Card Executive Office. After discussing the additional monthly charges, he offered to remove the most recent one XXXX XXXX for {$100.00} ) but indicated the charges would continue as long as I have not paid the balance in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Self Financial Inc.
State: MA
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: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2020 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Account was opened by person whom did not have permission to use SSN to open the XXXX account. I did not know that the account was opened in my name using my personal information and SSN. This is identity theft.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Chase Bank has been our mortgage holder and we are up-to-date with our mortgage payments. Last year, on XXXX/XXXX/15, I found out that my job was being outsourced to an outside contractor and this job loss led to 5 months of unemployment. We kept up with the mortgage during the unemployment with great difficulty. However, the ONLY job offer I got was for a job where I would suffer a reduction in pay of {$46000.00} per year. I previously earned {$120000.00} and now I am earning {$76000.00} at a XXXX job. I had applied for mortgage assistance through the Obama Affordable Homes program on XXXX XXXX. Chase keeps sending me paperwork saying that additional documents are needed ( establishing a paper trail ) but the application was submitted intact on XXXX XXXX. When they call on the phone, I help them find the " missing document '' in the pack, and then they say that they will get back to us once the " underwriters '' approve it. This is on a recorded line. This has happened a number of times. Now they are saying that it will take another month for the underwriters to finish the application process. Although our mortgage is being paid, we have no money for food and we are looking for Chase to modify our mortgage so we have more available cash since I am not earning as much as I used to. I reported this to the XXXX on XXXX XXXX on Complaint number XXXX. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: CountryPlace Acceptance Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Explain why I was requested to pay the remaining down payment by Friday, XX/XX/2020 2 months before my closing date, and don't tell me again that it was voluntarily a deposit. FOR MY FHA TITLE II LOAN XXXX you gave me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I XXXX XXXX and XXXX XXXX went to BB & T XX/XX/XXXX to close our over draft account that was left open I noticed when we got something in the mail from them. I called they said you need to go into the branch and close so I did. When I got there they handed me a statment and I said what is that for? She said it's a credit card. I said we don't have a bbt or sun trust. We closed all our accounts. She looked into more and she said this is old. I said we did bankruptcy  back XXXX but that's all discharged. The statement she printed shows close date XX/XX/XXXX balance {$7100.00} total due on XX/XX/XXXX if this is old and from bankruptcy that has been discharged I dont understand the statement she gave us. We waited on hold with her for main office for over hr she said she would call us later that day. I called last night bbt said I needed to call SunTrust. So I did with the number they provided XXXX XXXX XXXX. They first said this is ATM # then transfers us XXXX was on speaker phone with me. Next lady  says old dept and our over draft account was still open. We called again in morning ran circles with the whole thing again at the end she say this never comes off your records.

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 2020-05-28
Company: ZIONS BANCORPORATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Complaint against Nevada State Bank, DNA Zion Bank Corporation NA. 
I had damaged currency ( buried ) large amount. XX/XX/2020 bank inspected, counted and accepted all but 1 bill. I was asked if I wanted cash or to deposit, I chose deposit. XX/XX/2020 the banks asst. Mgr called stating their cash vault would not accepted a portion of currency, stating fear that Federal Reserve would not reimburse them and destroy. They said they would be debiting my account and I needed to pick up cash from them. All currency expect 1 bill was intact with denomination, serial numbers and security. A small amount was fragile so I placed it all in plastic bags. I am not comfortable with this. I do not know what happened, how currency was handled or how many people handled once it was inspected, counted and deposited in my presence. I did call Federal Reserve, they had no answer why bank would return after accepting, XXXX XXXX XXXX XXXX and XXXX though closed info on what mutilated currency is was not applicable to my currency, which was small water damage, dirt. I have not taken possession on the currency they want to return, they have it. 

Nevada State Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX 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 2018-05-30
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA violation no knowledge inaccurate accounts on my Experian credit report. FTC ID Theft report # 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