BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I do n't know if I misunderstand something here, but it I just discovered that the Chase Credit Card Ink is charging me interest for purchases just recently, in the last few days conducted. 

Here 's what happened : ( My Ink card billing cycle is mid-month to mid-month ) In early XXXX I made a purchase for {$1600.00}. On XXXX the statement came ( Closing date is XXXX, payment due date XXXX ). I paid $ XXXX.- dollars on XXXX before the due date leaving a balance of {$810.00} unpaid. It is my understanding as well as that all other credit cards do such, that the interest charged will be on the residual due balance from the XXXX cycle. 
In XXXX as recent as XXXX, one day before the closing date of the XXXX statement cycle I made some business related purchases of around $ XXXX.- in the time frame of XXXX to XXXX. 

When I got the XXXX statement around XXXX XXXX I see on it an interest charge of {$110.00}. 
That ca n't be I thought, {$110.00} in interest charges for a residual balance of {$810.00}!? 
That would amount at an annual 29.99 % charged applied p. Month to an annual interest of {$1300.00}!!! That would amount to 359.88 % in interest!!! 
Looking in the back of the statement on the last page it says under -31 days billing-. " Balance subject to interest rate {$4500.00} '' .... 
Wait a minute! What calculation is that? I just got the statement and it will be due by XXXX! 

I called Chase Credit Card Ink customer support and like them I recorded the conversation. Rather unfriendly, curt and dismissive I was told by a supervisor that if every month the balance is not paid in full interest applies immediately to the current running balance AND INCLUDING ALL NEW PURCHASES. 
WHAT? 
I never heard of such a thing. I asked several people and all unanimously said that ca n't be, that 's why there is a " grace '' period, and in my case the stated 31 day billing cycle. 

Further attempts to clarify this with Chase yielded nothing except ignorant. arrogant and irrelevant answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Albert Corporation
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The company is Albert online banking and Ive been locked out of my account.Ive tryed speaking with the customer service representative via Tex and email because they dont have a live agent to talk to.My checks from my employment get deposited in this account and Ive not been able to change my banking password and they have completely stop answering my Tex and email.At this point I dont know who to call and what to do.I feel like this company is a big scam!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06
Company: JH Portfolio Debt Equities, LLC
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Credit Control LLC Is trying to collect a debt past the statue of limitation that is 15 year old I live in CA which is 4year Moved to MO XXXX there in MO is 6 year Just got a mail from there want XXXX on a card that was what the bal. is the bank is close I think ( XXXX Bank in XXXX ) then sold to XXXX bank then was sold to XXXX They can not try to collect past the statue of limitation that old I have letter that it was charge off XXXX please help they have reported as XXXX XXXX XXXX this should have been moved I check my credit report and it still there

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: JPMORGAN CHASE & CO.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2022 I mobile deposited a check for {$1700.00} into my checking account. The next morning I went to log in to check the deposit and couldn't get into my account. Upon calling Chase, I was told that my account had been closed due to " inactivity '' ( the account was open the day prior when I deposited the check ) .The lady on the phone was able to reopen the account. She said that the check was on hold and the funds would be available XX/XX/XXXX. I logged in the next morning and my account was NEGATIVE {$1700.00} ( the amount of the check ). Upon calling again, I was told that the check was returned but no one knew why. I physically went to the business that issued the check and they took me to their bank to see what was going on. The bank that the check was drawn on said that the check had NOT been returned and hadn't even been presented to them yet. The lady at that bank suggested to put a stop pay on the check and have the business issue me a new check, which is what we did. I called Chase nine more times to find out why my account was negative the amount of the check. I finally spoke with a supervisor who informed me that CHASE had rejected the check the second that I deposited it because the image of the check was not readable ( blurry? ). She suggested that I redeposit it. I told her that a stop pay had been placed on it and that I was issued a new check ( which I did not deposit through Chase ). She adjusted my account back to a XXXX balance, which is what it was prior to this whole debacle. I thought everything was fixed and then I logged into my account yesterday ( XXXX ) and my account is now NEGATIVE {$1700.00} ( the check amount PLUS a {$12.00} returned check fee )! They couldn't read the check and rejected it and now all of a sudden they could read it?? It would be different if they had given me the money, I spent it and then the check was returned but the money NEVER hit my account! My account balance should be XXXX, the same amount as before I deposited this " rejected '' check. Now my paychecks are going to be direct deposited into this account and because it is NEGATIVE almost {$2000.00} all of my money will be sucked up to cover an overdraw that shouldn't be an overdraw! I have called and called and called and emailed and NO ONE can seem to fix this!! I need this fixed now!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-13
Company: NCC Business Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I rented a home from XXXX XXXX XXXX XXXX in XXXX XXXX. I paid a {$1200.00} security deposit, I was informed by my employer that I needed to transfer out of state in XXXX XXXX. I paid XXXX XXXX rent in the amount of {$950.00} on XXXX XXXX, XXXX. I informed XXXX XXXX XXXX XXXX at the first of XXXX XXXX that I would need to break the lease due to being transferred out of state. XXXX XXXX XXXX XXXX stated that I would forfeit my full security deposit as my early lease termination fee and I agreed. i vacated the home on XXXX/XXXX/XXXX and I received a email the following week from XXXX XXXX XXXX XXXX containing XXXX attachments. The first attachment was a letter dated XXXX/XXXX/XXXX stating that my security deposit had been forfeited for the early termination fee and to see additional attachment pertaining to additional charges. The second attachment with the breakdown of charges reflected these additional charges : {$300.00} for repainting XXXX rooms ( I was given verbal permission to paint these rooms and i had a professional contractor paint them. {$170.00} for rekeying the locks and a {$100.00} cleaning fee all totaling {$570.00}. The statement reflected my security deposit as {$950.00} which was not correct and leaving a the statement reflected i owed a total of {$400.00}. I called XXXX to dispute this matter and could not get the issue resolved. The rent credit for the 11 days that I did not occupy the home from XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX in the amount of {$330.00} was not credited back to my account. I am not legally responsible for these 11 days due to the fact that I was not occupying the home. In XXXX XXXX I checked my credit report and found that a collection agency ( NCC Business Services ) had placed a account on my credit for XXXX XXXX XXXX XXXX in the amount of {$1700.00}. I immediately contacted the collection agency to dispute and I was informed to send a dispute to them via email in which I did. I then disputed this account with all XXXX credit bureaus providing proof of all written correspondence that I have previously mentioned in this complaint. The credit bureaus responded back stating that consumer disputes and this account meets FCRA requirements. I want this matter resolved and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: JH Portfolio Debt Equities, LLC
State: OH
Product: Credit card
Issue: Payoff process

Complaint:
A credit card I had with XXXX was sold to another creditor after I got behind. That creditor then had a collections company, called Credit Control , LLC, attempt to collect the debt. I entered into a settlement agreement with them, and paid on time as agreed, paying the settlement in full. After Credit Control took the money for the settlement, they told me the debt was recalled ( after the agreement was in place and they took the money ) by the owner. They did not notify me, and kept the money, and when contacting them, they did not state the mini Miranda as required by law, and hung up on me. So in summary, Credit Control did not honor the settlement agreement, which is in writing. They took the money that was paid on time, and completely in accordance with the agreement. They refuse to discuss it with me and adhere to the agreement. The agreement is in writing, and they cashed the payments sent in without ever notifying me they no longer had the debt. This is negatively affecting my credit, and may have even had an impact on my recent financing of a auto purchase.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX  XXXX  XXXX ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX  XXXX  XXXX, XXXX XXXX XXXX  ACCOUNT XXXX XXXX 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 an 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 2017-03-25
Company: JH Portfolio Debt Equities, LLC
State: NJ
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:
In XX/XX/XXXX I had a payday loan with XXXX in the amount of {$500.00} - the APR at 390 %. Upon paying the loan I was told I received a loan in the amount of {$600.00}. I informed XXXX I received {$500.00}, and had their documentation to prove it. However, a few months later I came to realize payday loans were illegal in New Jersey or at best there were usury limitations which clearly XXXX had exceeded.. 

I had three payments debited from my bank account, and before the fourth I sent XXXX a letter stating Payday loans were illegal in NJ and also mentioned usury law, and at this time I was revoking my ACH withdrawals, but would repay the principal via money order - which I did. XXXX stated they were not governed by NJ Law, but is governed by the XXXX band of XXXX of ND, and the principal and interest would have to be paid even though there payments are mailed to XXXX, IL. However, I repeated what I stated in my previous letter to them, and continued to pay the principal balance. I soon received phone calls from their Customer Service Dept., stating I owed money and if not repaid ( principal and interest ) it would be turned over to their Collections Dept. From that point on calls I received from XXXX were identified as Fraud Dept. and the same goes for the emails I received ... Fraud Dept. Eventually, approximately three months later the calls stopped. 

Now, in XX/XX/XXXX I have received a letter from a Collection agency with their letterhead reading Credit Control , LLC in XXXX MO and the Creditor is listed as XXXX. The address listed for Credit Control LLC is XXXX, XXXX MO XXXX. Phone number is XXXX. There is n't any information on XXXX XXXX, XXXX - just listed as the Current Creditor, and XXXX as the Original Creditor. The debt owed on this paperwork is {$1000.00} which is simply not true. I see several online addresses on XXXX XXXX ( which I listed below ). Also, in researching XXXX XXXX it shows the BBB had downgraded to an XXXX in XX/XX/XXXX, and the FTC filed an injunction on XX/XX/XXXX 

XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX, XXXX. XXXX, FL XXXX I 'm not sure who this company is or what name they do business under - or how they continue to do business. The FTC has filed an injunction against them and they have been downgraded to XXXX with the BBB, and list an amount owed that is untrue.

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 2022-10-17
Company: EQUIFAX, 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:
Over the summer, Equifax was involved in and admitted to errors on credit scores that directly impacted me. I filed claims and spoke directly with them to have any negative entries removed from my report. They complied and removed the entries. I wish to file claims for the deletions removed from my accounts and have the information regarding each deletion with a confirmation number. The deletion confirmation numbers are : # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX I am requesting the other credit reporting companies to follow suit and remove all negative postings on my credit report as Equifax has. Under CFPB I am entitled to {$1000.00} per entry removed and looking for CFPB to have them follow the laws in place to protect consumers and confirm that negative entries were removed from all 3 credit reporting companies : Equifax, XXXX and XXXX. 

Also my name is listed as XXXX XXXX. My name is XXXX XXXX. I resumed my maiden name in XXXX and have attached my name change document. I have no idea why anything would have that name in XXXX. I NEVER used the name XXXX XXXX. As the attached document states I used XXXX XXXX ONLY when I was married. My name should appear only as XXXX XXXX. I also do NOT want my address or phone number listed on ANY report or record.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I previously got a loan with XXXX XXXX who was switched yo Navient. My loans have increased tremendously and I can not afford to repay. I do not have an option to decrease my monthly payments. This is not what I signed for

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: AmeriHome Mortgage Company, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
They did not send me my full escrow balance after I refinanced, they literally sent me a check for XXXX bucks, when I had {$5000.00} in my escrow account. According to my Amerihome account, they sent me the full escrow, which they did not. Secondly, they deducted a {$200.00} mortgage premium payment AFTER the loan was paid off. So, they actually owe me {$5200.00}, because they already deducted XXXX premium in XXXX and the mortgage premium for XXXX was already paid at closing. Of course, they don't even have anyone I can speak with regarding this matter, their reps insist that I send an email, which I did, however they literally take 30 days to respond to them. Therefore, it will be quicker for me to take this up in small claims court, which I will do if this full check in not in my possession by the end of this week. I have uploaded a screenshot of my escrow balance, as well as the check they sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: Jim Bottin Enterprises, 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:
For over 2 years now, get recorded calls from XXXX that just says 'hello ' & then disconnects. Do n't know from whom or why. 
I do n't have any debt, including mortgage or car payments. I pay all my bills on time. Do n't know what this is about. Please help to stop these calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I now live in XXXX XXXX and my CapitalOne Visa card was hacked and someone tried using it to pay a {$4500.00} Alimoney payment in XXXX, FL. CapitalOne caught this and corrected the issue. That I appreciate immensly. 
My complaint is that they have restricted the account since then and I can not get my XXXX reward points. Also I had since returned a {$59.00} item to an 'online ' company and they credited the card they had on file, which is the CapitalOne Visa. CapitalOne was more than happy to take that money ( Litterally - keep reading ) I have called and talked to Capital one until I am " Blue-in-the-face ''!! The only thing they will do is:1 ) If I provide a current Utility Bill from my " address on file '' with them, then they can reinstate the card. ( Problem with that is the 'address on file ' is a " Mail Forwarding XXXX XXXX '' in XXXX ) { and I have been living in XXXX XXXX for a year and a half now } Or ; 2 ) I can go into a branch office ( in the States ) and get it reinstated. I currently have no plans of going back to the States and I am not paying for a 'round-trip ' Airline ticket, Hotel room, Rental car, and Restaraunts, to reinstate a credit card. Particularly when I have others. 
I am not really interested or complaining to get the card reinstated. I just want my reward points and the {$59.00} returned item purchase price ( which last month they wrote it off the books as a " Fraud Activity '' ) They can credit it to XXXX of the other XXXX accounts I have with CapitalOne.. 
The XXXX reward points would more than half pay for the Airline tickets I just bought my sisters, so the could come to XXXX XXXX for a visit. 
Can you help?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-02
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: Account status incorrect

Complaint:
my new account shows derogatory on my credit bureaus and in chapter XXXX ... this account was never in chapter XXXX or derogatory///account XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We had a loan with XXXX and did a modification loan XXXX of XXXX. It was finalized in XXXX and our new payments started XXXX XXXX. At the same time they sold our loan to Carrington who took over 12 months to acknowledge the legal agreement. We have made all our payments at the new rate through automatic payments from our bank. They are saying we owe over {$7500.00} and keep refusing our payment, but only at their discretion. They are threatening to foreclose, but I have provided them with bank statements verifying all the payments are current and they refuse to respond. In short they now recognize the modification, but are not correcting the misapplied funds or even explaining where the funds are located. They are deliberately dragging their feet in responding to calls and written requests. This company is dishonest and should be reviewed and afterwards be fined and/or shut down. I believe outside legal services is a must in helping to resolve this ridiculous issue that was created and continuing by Carrington. This company needs to be investigated for misconduct and unethical/illegal l practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Block, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I am extremely dissatisfied with the result they have came up with. I use cash app on a consistent basis and I feel as though they have not Investigated nor have they done enough to keep my personal business safe. Those funds were taken from me while trying to obtain supplies for a client I had just accepted a contract with. Im standing in XXXX XXXX looking to buy materials only to find out {$620.00} Dollars I received for a Deposit wasnt there. I then reached out to cashapp who are suppose to keep my account safe only for them to tell me that I Orchestrated taking my own money? I went as far as contacting the XXXX  to get help and CASH APP tells me they have concluded that I gave someone permission to take my funds? Its XXXX  and you mean to tell me that you guys cant figure who took my money? The work I provide to my clients is very important to me its how I take care of my family. The embarrassment of having to tell my client that things arent going to be done when promised, extend the finish date. Witch caused an avalanche of problems. Im having to take other jobs to regain the money just to complete the initial job. Taking my personal funds to make up for something being stolen right from underneath me. Im out of state looking to complete a job and cant even go home until it was complete. I will be uploading photos of XXXX XXXX to show evidence.

Company response to consumer: Closed with explanation