BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-16
Company: EQUIFAX, INC.
State: TX
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:
The credit bureaus have incorrectly labeled me or my credit disputes as fraudulent. It has been almost 3 months with no communication from the credit bureaus on the disputes that were submitted 3 months ago. 

Additionally, I have an excellent credit history which is not being reflecting in my credit score. I have been making timely payments to XXXXXXXX XXXX for several months now, with no updates to my credit score in the last 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Chase has a bonus code promotion for opening new accounts that they did not honour for a reason NOT stated in the Terms and Conditions. I set an appointment to make the process easy and be certain that there would be no complications but a day after opening the account, the sales representative phoned to say that they could not honour the code due to a charge off from 2001. This exception is NOT in the terms, nor was it brought to my attention before the sales rep. and manager setup the account. This is not acceptable and sounds like Chase will do anything to get direct deposit accounts without approving the bonus codes they send out in email blasts - after the fact. Again, I was told ahead of time that there would be no problem. I am XXXX and mobility is a major complication for me so I try to setup appointments ahead to avoid exactly this situation. Had they told me initially that the offer was conditional on prior accounts, I would have gone to a different bank to use their bonus code. He had plenty of time to call and let me know ahead of our scheduled appointment given that he had to go through all of my documents to have the account ready for my signature when I arrived.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Balance transfer

Complaint:
Slate XXXX chase XXXX OFERRED 0 % INT FOR 15 MONTHS & NO FEES ON BALANCE TXFR FOR 60 DAYSXXXX ( OR SO ) WAS THE XXXX & WENT THROUGH FINE, next XXXX {$2800.00} never got to my bank, I first requested it on XXXX & .chase said my bank returned it ( never got to my bank, they told me i had put the wrong act # on it. The number I put is by Personal bank act no. the suffix of which is the that they use for credit card aaccounts number. The bank would have known exactly where it went. Then chase accused me of putting my ck act # down & sited that for the reason my bank returned it. As I said, it never got to my bank.Kept checking, no info. they finally rec 'd the check on XXXX did n't want to have any more checks floating arouind till I knew where the XXXX almost {$3000.00} XXXX check went. 
I called many times to check on it and every time I called, they had no answers. In a very recent conversation they told me the $ was back in my act XXXX orXX/XX/XXXX.I had called after those dates & they said they still didd't know. had they told me it was in my account, I could have gone ahead with all my other transfers, ( but as far as I knew the $ was floating around somewhere.when they finally sent the check, they made the check {$180.00}? instead of XXXX originally requested. So when my bank called & told me the check had arrived, I noticed I still had a balance on the card. Since it was past the 60 days, XXXXthough XXXX errors were caused by chase, they charged me a balance trsfr fee. I asked them how do I get 15 months @ 0 %, they said you ca n't, even they caused it all. So now I have XXXX that I get 15 mos on, the majoroty of the & gt ; {$5000.00}, will only get 12mos @ 0 %.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-16
Company: EQUIFAX, INC.
State: MI
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: Investigation took more than 30 days

Complaint:
I HAVE FRAUDULENT ACCOUNTS THAT ARE LISTED ON MY CONSUMER REPORT THAT I HAVE NEVER OPENED NOR SIGNED MY SIGNATURE FOR. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Hello Folks, This started with a new employee who did not evidently use the Michael 's payment system correctly. I have a double billing of {$200.00}. I submitted the receipt and this is a no brainer double billing. 

SEE THE RESPONSE WHICH IS ONGOING : Capital One Home Need help? 

XXXX XXXX... XXXX Can not assist Sent from Capital One XXXX XXXX, 2022 Can not assist Added XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX, XXXX : XXXX : XXXX : XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX Number : XXXX XXXX A XXXX, Here 's an update on your dispute with XXXX XXXX XXXX billed on XX/XX/2022 for $ XXXX.At that time we began an investigation into your dispute and requested information from you . While we have received your response to this request, it lacks all of the previously requested information needed to validate your dispute. 

Unfortunately, based on the information we have, we are unable to assist with your claim.If you still want to dispute the charge, please contact the merchant and work directly with them. At this time, we consider your case closed. We apologize for any inconvenience. If you have questions, please give us a call at XXXX. We're available from XXXX XXXX to XXXX XXXX ET.Sincerely, Capital OneTransaction Support Center XXXX Capital One. Capital One is a federally registered service mark. 

The following is what I sent to Capital One for Resulution of the same day double billing :

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is a follow up to claim # XXXX in which I disputed JPM claims that they do n't recognize or could n't find any loan on XXXX XXXX XXXX XXXX XXXX. I 'm still waiting for their response regarding : ( 1 ) Indicate whether apartment XXXX was one of the apartments pledged as collateral ( 2 ) The loan was originated by XXXX but then transferred to an Investor who used JPM as the servicing agent. Please indicate the promissory note owner. 
( 3 ) Date loan was fully paid off. 
( 4 ) Status of the lien release To assist in identifying the loan I enclosed and I am enclosing below copies of loan documents, XXXX filed as the servicer as well as copy of a check the corporation issued in payment of one of the mortgage installments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Around XX/XX/2015, I called American Vacation to book a vacation Package. After I gave them my information, they called me back within 5 minutes, saying they can not charge to my credit card, advice me to call customer service for my credit card company. At that point my instinct told me these people are desperate, I should not do this. 
So I called credit card company to thanks him for looking out for me. told him I change my mind about this transaction, please do not let them charge me {$400.00} to my card. I called back American Vacation and told them I change my mind about this purchase. They said no problem. 
A couple of day later, I saw a charge on my activity list on the credit card web site. I called the credit card company again and asking why you guys let this charge go through.They charge with different name or their sister company but the the same amount of {$400.00} that I called you to put a block on. But he said I could dispute that and we could resolve it later. 

Later, I talked to customer service specialist on the phone a few times. He send me some copy from XXXX XXXX claiming that I did sign an agreement electronically. that was a lie. I did n't sign anything. On that paper, they had my last name wrong. they even sign my name wrong. I wrote to the customer service XXXX that handle my case. He said sorry he decided that it is all valid. I disputed again another customer service specialist looked over again and she agree with the first one. 
I later found out that that travel company is form out side of United State. I could n't even find it on internet. They must do this kind of stuff all the time. BUT the credit card company is support to protect their customer. '' My credit card not yet been charge. I called to block it. They still let it go through. '' And later on even with wrong name and wrong signature, they still decided it was valid. I pay {$95.00} a year for this credit card service for what? So they could XXXX me? I paid the balance and now I closed the account but I still want this issue to be resolve. 
I have some more document that I could summit. They are in paper copy. I could mail or fax it to you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-16
Company: CITIBANK, N.A.
State: WI
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 was reported late in XX/XX/2021 for a very small balance.

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 2016-12-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I am a XXXX year old widow who has resided in the same home since 1977. I have gone through a few financial problems but am now finally getting my life back on tract after a few setbacks. My problem that is I have been with the same mortgage company for many years and have been paying an outrageous interest rate of 8.29 %. I have contacted them on a number occasions to see if I could do a refinance to get my interest rate lowered to what it should be, but each time I was denied for one reason or another. I even tried the HARP loan which I was also denied for. I have maintained my property well and have not been late on my mortgage for a few years and I think I deserve a reasonable interest rate. Would you please help me. I am struggling with this issue and do not know who else to turn to. thank you for any assistance to can offer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27
Company: JPMORGAN CHASE & CO.
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I used my Chase debit/ATM card in XXXX to withdraw cash in local currency XXXX XXXX XXXX. Upon returning, I discovered that Chase charges three percent ( 3 % ) of the withdrawal amount as a fee surcharge. This is on top of whatever Chase is making on the exchange rate. I do not begrudge a bank making money. But three percent ( 3 % ) is outrageous. There should be a warning when you make an overseas withdrawal that you will be charged three percent by Chase. This would allow the consumer to decline the transaction and avoid the fee. When I called Chase to complain, they told me that the 3 % fee was in the credit card service agreement and they were unwilling to reverse these charges. The only reason not to warn the customer is to hide or obscure this fee because almost no one would pay it were they aware of it before incurring it. The technology exists to advise the customer of this fee in real time on the screen as the withdrawal is in progress.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-16
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX U.S. Bank failed to honor its letter acknowledging a stop payment on a check, via bill-pay, dated XX/XX/XXXX. They honored the check for {$2100.00} anyway on XX/XX/XXXX. 

Background : I retired at the end of last year and, as a result, filed to modify the spousal support orders issued in XXXX. The court date was set for XX/XX/XXXX, so I held back payment for XXXX until we learned of the amount change. However, at one point my ex-wifes attorney ask for a postponement due to his scheduled XXXX, so in good faith I sent the check to cover XXXX. Shortly after the attorneys XXXX was canceled and we were back on for XXXX, so I notified the US Bank requesting a stop payment. I received a written acknowledgement of the stop payment action on XXXX. 

My ex-wife presented the check knowing full well that the payment was invalidated by court order since we executed a buyout for $ XXXX and no more support was due effective XXXX. This is stipulated in the orders! She was wrong, but the bank honored the check and deducted the amount from my checking account resulting in an overdraft situation. 

After 2 calls they have been of no help... telling me I have to take it up with her!! I have been with this bank for many years, but I feel I can no longer trust them!! If the funds are not returned to me either voluntarily from her or by bank action, I will take both to small claims court.

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 2016-06-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
There are multiple fraudulent charges on my account. After multiple representatives telling me the case was taken care of and the stolen money being deposited back into my account the case was somehow transferred to someone on the escalated team, XXXX at XXXX. XXXX. She proceeded to tell me that these are not fraud and that I must have dealt with them before. When I explained that is not the case, she became sarcastic and told me I was lying. I asked for some sort of proof from the companies that she found during her investigation and XXXX stated that she did not need to investigate because she did not believe. She said that because other people had done business with them I must have too, which is not the case. When I attempted to notate what she was telling me and asked her to slow down because I was doing so she started to get loud and hung up on me. A few days later I received a letter from Chase stating that every charge in the fraud case had been closed in the companies favor. However, XXXX refuses to allow me to talk with another representative about the case or investigate the charges as they are required to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/XXXX I entered into a repayment plan on a second mortgage requiring me to make an initial payment of {$1100.00} and remaining payments of {$710.00} between XX/XX/XXXX and XX/XX/XXXX. Although I submitted each payment via Chase Bank cashier 's check on time, Chase began denying my payments just before the end of the repayment agreement. Chase Bank returned the payment for XXXX XXXX claiming the payment plan was rendered inactive on XXXX/XXXX/XXXX due to missed payments for the months of XX/XX/XXXX and XXXX XX/XX/XXXX. The payments for these months were processed and sent by Chase employee, XXXX XXXX - Relationship Banker XXXX ID : XXXX. Apparently, Chase Bank had credited these payments to another account but with the assistance of Branch Manager- XXXX XXXX , we were able to correct this error and have the payments allocated and posted to the correct account. 
Branch Manager, XXXX XXXX as well as myself, expected the account to be returned to good standing after confirming the payments were sent to and received by Chase Bank, as well as these payments being properly posted to the account. 
On XXXX XXXX, XXXX I received a letter from Chase Bank ( dated XXXX/XXXX/XXXX ) stating that my repayment plan could not be reinstated because, although XXXX XXXX and XXXX XXXX payments were received and posted to my account, the payment for XXXX XXXX was missed and this would have also resulted in the cancellation of the repayment plan. Chase Bank went on to send a copy of my payment history and according to their own records the XXXX XXXX payment was received and posted to my account as XXXX-FORCE REG PMT INTEREST. 
At this point, with all the investigating and assistance from both XXXX XXXX and XXXX XXXX, there is no question that all payments were sent to and received by Chase Bank and I have in no way defaulted on the contractual agreement. This latest communication from Chase Bank, continuing to reject the legally binding contract entered into on XX/XX/XXXX, for no justifiable reason, is proof of fraud ( A False Representation Of A Matter Of Fact ) on behalf of Chase Bank. Chase Bank has met all elements considered when determining actual fraud : 1 ) Made a false statement of a material fact 2 ) Completely aware that the statement is false 3 ) Clear and unquestionable intent to deceive 4 ) Justifiable reliance by victim on the statement made by Chase Bank 5 ) Financial injury caused by Chase Bank 6 ) Communication by U.S. Mail constitutes Mail Fraud I am requesting the CFPB investigate these allegations and bring this to the attention of the Federal Authorities. Chase Bank has made every possible attempt to default on the contract under false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: Servis One, Inc., Titusville, PA Branch
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We were working on a short sale and the lender XXXX service release the loan to BSI. What the investors at BSI is wanting is illegal, and is trying to force the homeowner into a deed in lieu. This is why XXXX XXXX XXXX now has a class action suit against them. Per regulations when a loan is service released with a VALID approval the new servicer is to honor the terms. The short sale was approved on XXXX XXXX, 2016 with a closing date of XXXX XXXX. On XXXX XXXX, the approval was extended good through XXXX XXXX. The loan was transferred to BSI on XXXX XXXX ( per attached letter ). With that said, the approval was indeed valid at the time of the transfer and we would have closed by XXXX XXXX if BSI had promptly honored the terms as they are supposed to. 

BSI has been jerking me around for the past month and a half. I was originally working with an XXXX XXXX and he confirmed that BSI would honor the previous terms of approval and that we could expect an approval letter within in a day or so. Everything seemed fine until one day you were suddenly assigned to a XXXX XXXX and then started stating the investor will not allow a short sale and wants to do a deed in lieu. I will also be contacting BSI upper management/ombudsman to seek resolution on this matter in addition to filing a complaint with the XXXX. 

Thank you Kindly, XXXX XXXX Senior Negotiator Loss Mitigation Group P : XXXX F : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: Servis One, Inc., Titusville, PA Branch
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I just received a calculation for my new mortgage payment that increases it by {$500.00} per month! The new payment is effective XXXX XXXX. The escrow custion is listed as {$1000.00}. Is that legal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Foris DAX, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
About a week ago, I was contacted by someone on a social media app, XXXX, about an XXXX opportunity including cryptocurrency. And coin exchange. I downloaded the app which was in XXXX XXXXXXXX XXXX, called crypto.com. And that led to another app called XXXX XXXX XXXX. The app seemed legitimate and there were many reviews. I hid any private information during the exchange but eventually realized the app was a scam as well. 
We had multiple exchanges on the app, text XXXX ( XXXX ) XXXX, XXXX With the person XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  with XXXX XXXX  XXXX XXXX XXXX. 
I was convinced to send money thinking that the app was real and that there was no connection between the 2. The amount totals in {$50000.00}. 
When I realized what had happened, I tried to gain my money back but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Experian Information Solutions Inc.
State: NC
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:
Experian keeps allowing XXXX XXXX to report a cable account with a address and account that I have never lived or had they have allowed them to remove and repeatedly put back on my credit report which drops my score immediately

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