BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I paid off my Chase Credit card on XXXX 2016. I went into a branch office to pay it off. I asked the clerk if there were any outstanding charges pending. She replied, " No. '' My daughter had checked the balance of the card and she noted that I had a XXXX balance. The billing cycle ended two weeks later. The statement date ended XXXX/XXXX/2016. On this statement there was an outstanding balace of {$10.00}. I went into a branch of Chase to call Customer Service.. Customer Service said that the interest charge had not been factored in yet

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-01
Company: CREDIT BUREAU OF FARMINGTON, INC
State: NM
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: Their investigation did not fix an error on your report

Complaint:
I previously submitted a CFPB complaint regarding CBF Services. They said they could not give a response for not having specific information. I will go ahead and attach the letter I have sent multiple times with all the information needed. Provide with results this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had XXXX deposit accounts with JP Morgan Chase. A Checking and Savings. Upon calling to check my account balance on XXXX XXXX, 2016, I was informed by the telephone representative that after investigation, Chase has decided to terminate our banking relationship and has closed all my accounts. When asked why, they explained that they do n't have to disclose any additional information in regards to the matter. I explained to them that my direct deposits from my employer were scheduled to hit the account the next day. She advised me that all of my cards have been deactivated and that I would have no access to any of my funds. When I asked when I could get my funds, she stated that I would receive a cashiers check in the mail, 7-10 businesses days after the close of my account. Today is XXXX XXXX, 2016. I have spoken with multiple representatives who have all told me different versions and dates associated with this matter. To resolve the confusion, I requested documentation of the the date this " investigation began, the date it was completed, the date both of my accounts were closed and the ending balance for both of those accounts. Along with documentation of the date my remaining funds were mailed out. Loss prevention and the fraud department both told me that there are no such documents available. When asked if I could receive a tracking number for the check, they explained that tracking numbers are only provided to customers with {$5000.00} or more. Everyone else is on their own. I then escalated my issues to the executive office, where I spoke with someone by the name of XXXX. He informed me that those documents do exist, but for internal use only. When I asked him where this information was located in the terms and agreements for my deposit account, he said it 's not. And if I wanted to get that information, I would have to obtain legal representation. So here I am. I have yet to receive my remaining funds in the amount of {$400.00}. I have had to pay multiple late fees for various bills, I could n't pay my sons tuition because at the time, all my funds were tied up in the account. He has now been dropped from his program. I understand that they can close my account whenever they want, but this is insane. I ca n't even get documentation to verify the numerous lies told to me. Please let me know if there is anything I can do, or if I am just at the mercy of the bank. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I sent a letter and among other issues asked that inaccurate late pay information be removed from the payment history on a mortgage I had with XXXX # XXXX. They deleted the ENTIRE trade line instead!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have fell way behind on mortgage payments which has put us in financial stress. Dealing with Chase for several months on what we need to do to be able to get house sold. We have been assigned SEVERAL different contact people. The house is now up for Sheriff Sale. This is not what we wanted to happen. In the last two months I have talked and documented all conversations on paper, three different people. They have all given me answers that contradict each other. We have had house on market since XXXX, had only XXXX lookers. I am at my wits end. I just want what proper procedure is on Short Sales. That is what we have been approved for. Just some CORRECT answers. We have gone thru modification process. We just want to sell and get out from high payments and mortgage. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Application processing delay

Complaint:
XX/XX/2016 I asked AMEX to add my Mother XXXX XXXX to my account. They have done everything but do that. They have sent all kinds of letters and email. When we write AMEX back they never do anything. They asked me to go to my bank and get them to write a letter to AMEX stating that I have an account with them ( XXXX XXXX ), I have dont all that they have asked. I want them AMEX to response to my letters and help me manage my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
The following reports the steps of a Rental Scam that I was recently a victim of. Neither Chase Bank or XXXX has been helpful in fixing the problem, taking legal action, or taking any action to help return the funds that was stolen from me using their platforms. A big part of this fraud occured because I was mislead into thinking XXXX was a secure platform since Chase 's online platform recently switched over to using XXXX exclusively for online transfers. 

I applied to an ad in XXXX for a rental property located at XXXX XXXX XXXX, XXXX, NY XXXX. A man who calls himself XXXX XXXX from email XXXX replied after a few days and said he was interested in renting it to me, though he was not available for a walkthrough because he is currently based in Texas, but that I was free to peak in the windows. This worked for me as I was currently traveling and needed something quick for employment in the area. 

I sent a payment on XX/XX/XXXX via XXXX as requested for the firsts month rent + Security Deposit in the amount of {$1300.00} to XXXX Transaction # XXXX. I was told this was his assistant. 

A few days later XXXX requested I needed to also pay the last months depost due to my income at the request of his lawyer. On XX/XX/XXXX I send a XXXX Payment to XXXX Transaction # XXXX for the amount of {$870.00}. I understand requesting a last months deposit / Security is now an illegal practice in the state of New York, but I assumed he was just an older individual doing things in an old fashioned way, so I reluctantly made the payment. 

A few days later XXXX than requested that I send him an additional {$640.00} for XXXX. Neither this nor the last months rent was included in the lease I signed and was almost certain it was a scam at this point. Durring all these exchanges / payments he has refused to sent the keys until the next payment is made. My move in date was in 5 days and he still has not sent the keys. I have asked for a refund, but the refund as now been delayed, and I am scared I will not get any of my money back. I also now have nowhere to live, and won't be able to start my Full Time Employment that was scheduled for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter from Midland in 2013, I immediately, ( XXXX XXXX 2013, they received it on XXXX XXXX ) sent them a letter requesting validation on the alleged debt. To this date, I have received any response nor validation to this alleged debt. Instead, I received another letter attempting to collect another debt as the account number of the previous alleged debt do n't match. My name does n't even match, i 've sent them another letter requesting validation again for this alleged debt. This is basically the XXXX bogus attempt from them to collect a debt that I do not owe to them. Also, with this contact they are in clear violation of the Fair Debt Collections Practices Act. As i 've never received any response on my previous request for validation, instead I just received another letter attempting to collect. My initial request for validation was timely within the XXXX days timeframe I have to request validation under FDCPA, so ; any further activity to collect on the debt would be a violation of their cease collection bar under FDCPA 809 ( b ). If they are communicating regarding a different collection ( i.e., they consider it to pertain to a different debt ), then that would have required they send another dunning notice within XXXX days after any initial communication. They thus either consider it the same debt, or have violated requirement for a XXXX dunning notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-08
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card
Issue: Rewards

Complaint:
I signed up for American Express Platinum credit card in late 2016 and was given the points bonus of XXXX membership rewards in XX/XX/XXXX when I completed the sign up requirements in the allotted time. I had points in the account already that put me at a total of about XXXX points currently ( as of today, XX/XX/XXXX ). I have had the points at my disposal since then however I went to use them today XX/XX/XXXX and was told by their system " your account is under review and you can not use the points ''. I contacted Membership Rewards as directed and all they could tell me is that some returns during the initial bonus time frame caused my account to go under review. I was never notified of this review. The points were in my account but unusable, for 3+ months. All American Express told me is that they will escalate it and ca n't guarantee any response time frame but if I do n't hear back within 10 business days, to call back. And they would not give me a reference or ticket # or anything, they simply said my account will be noted. All I have is the supervisor 's name and badge # I spoke with. Now that I need to use the points I can not and I have an upcoming trip I had saved them for. This needs resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-28
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
I had a American Express account and went through the financial downturn in XXXX. 
I made several payments and could n't make any more. They filed a judgement against me and tried to collect. The sheriff came out and I did n't have nothing to collect. One year later I received another credit collection company " XXXX XXXX XXXX XXXX '' after the same money. Too me this is double jeopardy. The amount is {$4800.00} in which the original balance was {$10000.00}. Civil summons File number XXXX. American Express vs XXXX XXXX XXXX ; Lawyer was XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, North Carolina XXXX ( XXXX ) XXXX. In addition filed a Motion to Claim Exempt Property.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
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: Information belongs to someone else

Complaint:
I did not consent to, authorize, more benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : ( U S DEPT OF EDXXXX Date Opened : XXXX/XXXX/XXXX Amount : {$5000.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$9500.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$4300.00} ) ( U S DEPT OF ED/XXXX Date Opened : XX/XX/XXXX Amount : {$4300.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$3000.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$9100.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$3100.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$3000.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$7500.00} ) ( U S DEPT OF EDXXXX Date Opened : XXXX/XXXX/XXXX Amount : {$5000.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$3800.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: Nelnet, Inc.
State: NC
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:
My lender is Nelnet for Federal student loans. I did not choose this company, rather it was assigned to me. I have applied recently for refinance with another company but was denied. I have good credit and have never missed a payment. Over the past year, I have had multiple cases where my payment amount due changes without any notifcation. This can include my payment due amount not matching my statements, not matching between emails and on site and increasing month to month when I am on a graduated repayment plan ( this is supposed to increase every 2 years -- not monthly ). In addition, when I have reached out for clarification or to question these changes and increases, the company is not helpful and does not explain the differences or the reasoning to me. I do n't feel like my money is safe with the company and I do n't feel comfortable with an ever changing payment amount. It is hard to budget and to feel confident that I can pay my monthly payments when I can never plan on what is due as the amount can change even as quickly as the day before it is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: EQUIFAX, INC.
State: AZ
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:
This account was paid in full, and it is still showing a balance. I need this updated ASAP and an updated credit report should be sent to me reflecting this. I have included the confirmation number. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: JPMORGAN CHASE & CO.
State: OR
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
To whom it may concern, On XX/XX/2016- I accepted a balance transfer offer on my Chase account ending in : xxxx for the amount of {$7000.00} with a fee of : {$140.00} On XX/XX/2016 : Chase approved my request and mailed a check to my requested party XXXX account ending in : xxxxx XXXX please see attached ) After contacting Chase on numerous occasions, I have been told it takes XXXX days to see the check post. 

On XX/XX/XXXX I contacted Chase again, and was told the check was cashed, and the check number was as follows : check number : xxxxxxxx for XXXX. 

On XX/XX/XXXX I messaged my credit union this message : I am so frustrated with Chase, as the payment to XXXX ( for the visa payoff ) has still not arrived. I just got off the phone with Chase and got a check number from them.. They state the check number is as follows. 

xxxxx in the amount of {$7000.00} Name on the check would reference me : xxxx. But the check was made out to XXXX and was to pay the visa off, and put reminder in the checking account. 

can you see if you received this check, or it got posted to someone else account, please? 


On XX/XX/XXXX My bank has informed me no check has been received by the credit union from that vendor, on that check number made out to me. 

Hello xxxx Thank you for your response. With the information you 've provided I 've performed multiple searches in our system to locate that item, but I do not see it having posted to either your or anyone else 's account. At this point it does not appear that the check made it to us. Is Chase able to cancel the check and send a new XXXX? It may be it got lost in the mail and issuing a new one may be the simplest solution for you. 

My only concern would be if Chase claims the check has already cleared an account. In that case they should be able to provide you with an image of the cleared check. Typically on it would have the account it was deposited to written on the back. If they do n't have an image available then it has n't been negotiated which would lead me to believe it definitely got lost in transit somewhere. 

If you have any more questions or concerns feel free to contact us again. 

Thank you for choosing XXXX! 

As of XXXX/XXXX/2016 : I now have a balance with my XXXX Credit Card still, and now also have a balance on my chase card ending in xxxx. I am now making XXXX Credit Card payments, and Chase just gives me the run around. I have informed Chase that the check did n't apply to my account please open an investigation to see who cash the check. They refuse to assist me, and here I am with a credit card balance, and I did n't get the benefit. 

I am now filing a complaint withe Oregon XXXX XXXX, as I am being given the run around. This balance transfer was suppose to happen in time for XXXX, but now I am out more money than thinking I was going to save. Thank you XXXX for ruining my XXXX. 

Please assist. 
Rs

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: Arbitration

Complaint:
I HAVE TWICE DISPUTED A CHARGE ON MY CREDIT CARD. THE CHARGE WAS FRAUDULENT BASED ON XXXX LAW. IT WAS A SCAM. BANK OF AMERICA SAID THE ONLY THING THEY COULD DO WAS FILE A BILLING DISPUTE, AND COULD DO NOTHING THAT INVOLVED LEGAL MATTERS. THE SECOND DISPUTE WENT TO ARBITRATION WHERE THE ARBITRATOR ( XXXX ) FOUND IN FAVOR OF THE MERCHANT. I FIND IT ABSURD THAT THE CARD ISSUER WOULD BE AN UNBIASED THIRD PARTY ARBITRATOR BECAUSE THEY GET A PERCENTAGE OF THE TRANSACTION. BANK OF AMERICA NEVER SAID XXXX WOULD BE THE ARBITRATOR. I FEEL THE WHOLE AFFAIR WAS HANDLED POORLY AND UNFAIRLY TOWARDS THE CONSUMER.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: EQUIFAX, INC.
State: MS
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:
On XX/XX/2020, I mailed a letter requesting an investigation for inaccurate accounts listed on my credit report. It has been 3 months and I still haven't received results of an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I c systems is XXXX me about a debt that I dont not owe and Ive never did business with I c systems so why are they contacting me that is a violation under 15 usc 1692d and 15 usc 1692c and they sent me letters with their company logo on it and that is a violation under 15 usc 1692f ( a ) and they are also charging me different amounts thats violates 15 usc 1692c 15 usc 1605 ( A ) 15 usc 1692 f ( 1 ) Ive sent them a debt validation letter requesting the 5 components to validate I owe this debt and to show me proffered of a contact that I have with them along with proof of the true creditor is, I expect to receive that. I also sent out a cease and desist letter as well

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 2017-03-08
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
NELNET marked me 90 days late on XXXX different loans when this was an error on their end. I even spoke to them and they put my account current. I need the 90 days late removed from the following accounts as this is hurting my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: Trident Asset Management, L.L.C.
State: NV
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: Their investigation did not fix an error on your report

Complaint:
i have disputed with each credit agency, the company XXXX is reporting 3x, 2 times negatively once under the name of TRIDENT ASSET MANANGEMENT ( {$940.00} ), another time under XXXX XXXX ( {$940.00} ) and then it shows open with XXXX XXXX with exceptional payment history and with the balance of {$230.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Balance transfer

Complaint:
Hi, I find Chase Freedom practice to be in violation of UDAAP, the deceptive piece. As a consumer, Balance Transfer portion should be counted differently than Purchase portion on a credit card. Let me give an example. I recently accepted a Balance Transfer offer from Chase. I did a {$1000.00} Balance Transfer. I then made a Purchase of {$500.00}. As a consumer, as long as I pay the Purchase balance ( {$500.00} ) plus the required monthly balance for Balance Transfer, then no interest should be charged on my Purchase portion. However, this is not the case for Chase Freedom! I find this practice to be extremely deceptive. Please look into this matter seriously. Thank you for your help.

Company response to consumer: Closed with explanation