BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Someone I do n't know wrote XXXX checks and practically emptied my checking account with Chase Bank ( the XXXX checks totaled {$4700.00} ). My checkbook was not stolen or lost. And the XXXX checks written fraudulently have numbers of checks I have blank and in my possession. 
I 've had the same account number for more than 35 years, never a problem. 
I reported the problem to Chase the same day they sent me a warning text about my account being low ( XXXX XXXX, 2016 ) and they said they had up to 30 business days to investigate. They have not kept me informed of the progress of this claim even though I 've called them numerous times to check on it. And they have blocked access to my account on line, so I can not longer review any information ( I closed the account, but still need access to activities prior to it ). 
I have reported the theft to the police, and Chase promised an escalation when I told them this. But yet I have learned nothing about my money. 
I 'm a XXXX. I need my money back! Almost {$5000.00} is not small change! 
The bank victimized me twice already, first by accepting and cashing XXXX fraudulent checks ( my signnture is fake, a close look to recent checks would 've told the teller that ), and then by making me wait for months for a yet unknown resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
bought a cell phone on XXXX withing chase credit card .but we found the item was used and damaged instead of as described brand new unopened box. so we contacted XXXX and chase credit card company right away, XXXX XXXX and seller admitted the fact the item was used XXXX agreed to change the charge, but had to go through chase credit because XXXX XXXX wont handle the transaction. so we contacted chase many many times they didnt do anything to protected customer instead they sent this transaction to credit agency.to lower my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: Alliance One, Inc.
State: OR
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 have been getting robo calls from a debt collection agency called " Alliance 1 '' for over XXXX months. The calls average XXXX times per week. They are attempting to collect a debt for someone whose name sounds like " XXXX XXXX ''. I am sick and tired of their harrassement and want the calls to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Chase willfully misrepresented the amount of alleged debt, then sold to debt collector, writing off a highly inflated amount, while continuing to report inaccurate information and updating to appear recent. This account was disputed from the start, as fraudulent.To date, this account is being illegally re-aged and inaccurately reported. Although I 'd disputed the legitimacy of this charged-off and sold account ( XX/XX/XXXX-XX/XX/XXXX ), I paid the account in full to the purchaser of the debt years ago. I 'd disputed the Chase Card reporting XX/XX/XXXX, and they began to knowingly " update '' the account to the CRA 's with an illegally re-aged status, making the account appear far more recent, damaging our credit further. In XX/XX/XXXX, Chase sold a fraudulent debt to a debt collector, who obtained a judgement without even validating the alleged debt. I have no documentation that proves that I even incurred the debt using an account that I had closed with a XXXX balance, and was no longer using. At the time of the threatened judgement, we were in the midst of a refinance, and I XXXX and agreed to a payment plan, paying at least three times the original alleged amount owed ( {$2000.00} ), because Chase took the past due amount from an amount initially reported to XXXX as {$600.00}, and " adjusted '' to their fraudulently claimed charge-off amount of {$1700.00}. Interestingly, now that I have the time to investigate, I 've discovered that I am not alone in being victimized by these violations of debt collection practice by Chase ... XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: JPMORGAN CHASE & CO.
State: HI
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Applied for XXXX cards at the same time ( same day ) from JP Morgan Chase Bank. Both cards were sent to pending status with a 7-10 day wait for approval. Called both reconsideration lines and was given approvals over the phone. 

Upon receiving my accounts / cards, XXXX of the XXXX approvals was significantly less than stated over the telephone with the card services department. I called to speak with the card services department again, who passed me around multiple departments without resolution. No one could give me a clear answer other than telling me they could n't do anything about it. I finally escalated it to the Executive Office who stated that they would look into it. 

Executive office rep stated that they did make a mistake in telling me the approval amount over the phone after listening to the phone calls, and that the approval was cut given the approval of the other card. The option they gave me were to make another inquiry against my credit ( after just making XXXX, XXXX of the personal card, another for the business card ), which they claimed they could " mask ''. I explained to them I was n't comfortable with that, so they would discuss internally if anything could be done. 

I explained to them that I just wanted them to stand by what they said. After going back and forth, no resolution could be made within the company without making another inquiry to request for a " credit line increase '' vs. giving me the line of credit they stated ( and acknowledged that they made a mistake of giving me the amount over the telephone ). 

My issue is with setting expectations - to tell someone one thing and then have it be another, and then admit to making a mistake but not being able to rectify it / own up to it, is misleading. I also explained to them that they gave me the full approval on the card with the annual fee but gave me a short approval on the card with no annual fee, essentially making it so if I wanted to keep the line of credit available, I would be required to pay. 

As a loyal customer with multiple cards through the bank, as well as being in good standing / good credit / not carrying balances, I find it hard to understand why a company would say one thing and do another.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: JPMORGAN CHASE & CO.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Beginning XX/XX/XXXX and into XX/XX/XXXX, my account was fraudulently and repeatedly charged a large sum of money over the course of a month by a company called XXXX. On XXXX XXXX, I filed a unauthorized charge claim with Chase and was denied because I had logged into my account a number of times during the month of XXXX. I noted to the claims specialist that I had n't noticed the charges earlier until the largest fraud occurred and only logged on to pay my credit card bill. Because I had logged on during the month of XXXX, my claim was denied. I asked to appeal the claim because it was fraud. Chase never even investigated the claim with XXXX and I was stiffed out of money that is rightfully mine. Upon hearing the decision, I asked to appeal the decision and was rudely treated by their claims agents who could seemingly never connect me to a claims specialist, despite my repeated attempts at contacting the company. In addition, I was told I would need supporting information that would state that I did n't make these online transactions to even have a chance at overturning the ruling. How am I supposed to have information saying I did n't make these transactions if I did n't make the purchase? This is easily the worse customer service experience I 've ever had.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-19
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Medical Data Systems has placed XXXX separate collection accounts on my credit report without sending any notification of a bill due. Medical services were provided by XXXX Hospital and upon discharge I was informed that any balance due would be forwarded to my address. I received XXXX statements from XXXX XXXX which stated that they were not a bill but an itemized statement of the cost of services provided. XXXX Hospital never sent another statement regarding any co-pay amounts or balances due. The account was forwarded to Medical Data Systems after 30 days of nonpayment. XXXX XXXX XXXX was contacted and they stated that we had XXXX separate accounts for payment of {$200.00}. We requested verification of the debt and tried to dispute. Instead customer ser/ice representative blamed us for not paying stating that ', " the hospital has no responsibility to send you a bill for any copays or balance due, you need to check with your insurance provider for any balances ''. We again attempted to dispute but they just requested payment. When then called XXXX who claims that the bills were sent to the insurance provider for payment and a balance due should have been forwarded to us for payment. As of XXXX/XXXX/2016 neither XXXX nor has Medical Data Systems provided a copy of the orginal statements to validate the debt. We have requested a copy approximately three times but can not get any docuemnts.

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 2017-02-28
Company: FIRST ADVANTAGE CORPORATION
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
AgencyXXXX reported incorrect public information on a background check related to my drivers license. Disputed the claim with the AgencyXXXX. AgencyXXXX merely verified that the information they obtained, thru reporting agencyXXXX was identical. AgencyXXXX did not require AgencyXXXX to verify the information supplied. AgencyXXXX referred me to AgencyXXXX to dispute the issue. AgencyXXXX required additional paperwork, and 30 days to investigate. I have referred AgencyXXXX to the public source of the information which has a public portal / direct access to the info. Information ignored. By having this layering of supplying agencies, disputes are never truly investigated back to the source.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: Medical Data Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
MEDICAL DATA SYSTEMS has placed an unauthorized fraudulent item on my Consumer report. MDS has violated my federally protected consumer rights without causing injury, harm, and damages to my pursuit of happiness and right to utilize consumer credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was with XXXX XXXX XXXX, which I complained about because they withheld too much money in my escrow account. Then, in the middle of my complaint, they switched my account over to Specialized Loan Servicing LLC ( " SLS '' ). SLS was supposed to give me back a {$5100.00} dollar overage in my escrow account that they inherited from XXXX XXXX XXXX. They sent me an annual escrow statement that was supposed to have a check attached. There was no check attached. I called them. They said they were putting a stop payment on the check. After waiting and waiting, I called them on XXXX XXXX, 2016 and they told me the check was sent on XXXX XXXX, 2016 and to give it some time to arrive. I called them again on XXXX XXXX, 2016, and this time they told me that the check was sent on XXXX XXXX, 2016 and to, again, sit tight and give some time for the check to arrive. I 'm worried I 'm not going to see the money at all now. They 're already 2 months behind on giving me more than {$5000.00} THAT BELONGS TO ME. They do n't have any evidence ( tracking number or otherwise ) that they actually mailed the check out. With all this hoopla, you would think they would send the check in a manner that is designed to ( a ) insure that it arrives to me ; and ( b ) in a timely manner. But they didn't/do n't. I want the money that belongs to me and they 're not allowed to hold on to my money and keep giving me the runaround when I call them. This is ridiculous. I was forced into SLS 's hands by my previous mortgager -- I would NEVER want to do business with SLS.

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 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXXXXXX XXXX Balance : {$9100.00} ; XXXX XXXX XXXX  XXXX : {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX Balance : {$3600.00} ; XXXX XXXX XXXX Balance : {$4800.00} ; XXXX XXXX : {$7000.00} ; XXXX XXXX XXXX Balance : {$7700.00} ; XXXX XXXX XXXX : {$4500.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC 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 non-monetary relief
Consumer complaint received 2015-11-20
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
The lender, XXXX ARM Trust Mortgage Pass-Trough Certificat XXXX XXXX XXXX, XXXX XXXX Bank XXXX XXXX, as Trustee as Serviced by Specialized Loan Servicing LLC, which I have my mortgage loan for my home located at XXXX XXXX XXXX, XXXX, CA XXXX, is claiming that I have not paid my home mortgage payment since XXXX 2015 which is totally wrong. And to make things worse they reported it to the credit bureaus. Every month we call the lender to pay the mortgage and they take the payment from our bank account, purchase a XXXX XXXX check, which we pay for it. After the payment is done, they send us a copy of the XXXX XXXX receipt. This has been happening for the last 5 years without missing any month. 
At this time our home interest is variable so we are trying to refinance to get a fix rate. When we contacted some lending companies we found out that they are claiming we have not paid them and we got reported to the credit bureaus. On XXXX/XXXX/15 we sent the lender a letter requesting to remove the wrong information reported to the credit bureaus and provided proof of every payment made every month through XXXX 2015. We receipt a letter that it was going to take at least one month to investigate the case. This is affecting our credit as well as stoping us to refinance our home loan. We need to have a quick response as we are afraid that the interest rates will increase and we will not be able to refinance. In addition, about one year ago they were trying to do a short sale with our home saying that we missed the mortgage payment. Again, that was wrong, our attorney deny the request when we proof that we have been making our monthly mortgage payments. We believe these are unnecessary and wrong procedures on their part. We would like them to removed wrong information reported to the credit bureaus, approve and report to the court that they agree that our debts to them through the Chapter XXXX is zero and information can get recorder accordingly. 
We will be happy to provide information to back up our theory. l You can reach me at XXXXXXXXXXXX or you can call me at XXXX with a response to our request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am refinancing my mortgage. A payoff demand was sent to the current mortgage servicing company on XXXX/XXXX/16. They issued an inaccurate payoff, because when they took over servicing of this mortgage they mistakenly created the account as a daily simple interest rate loan, instead of a 30-year fully amortized mortgage. Repeated efforts to get them to correct their error and issue an accurate payoff have failed, and my refinance can not proceed without an accurate payoff. Please note : This mortgage and another mortgage on a different property closed at the same time with the same originator on identical Notes except for the principal amount and interest rate. The same firm is now servicing both mortgages, but they got XXXX wrong ( as a daily simple interest loan ) and the other XXXX right ( as a 30-year fully amortized mortgage ).

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 2016-08-16
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have my mortgage with Specialized Loan Servicing , LLC and I am victim of predatory lending. the are purposely trying to sabotage my refinance to keep me with them at 7.125 % interest rate. I have been approved to refinance my mortgage and payoff about {$50000.00} in credit card and I have been struggling to get by. I have been trying to get a XXXX done to with SLS now going on almost 5 months. about a month ago they finally got the collateral documents over to their XXXX attorney. The Bank attorney for the lender I am refinancing with requested the XXXX and Assignment a month ago. I am afraid that if this goes on any longer I will loose my mortgage commitment to refinance and pay off my bills and if I loose this mortgage commitment I will no longer be able to pay my mortgage and I will loose my home. please help me and the rest of the consumers out their from unfair business thank you

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 2016-11-18
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Please inform status of check # XXXX. The funds were sent on XX/XX/2016 through XXXX account to Banco Popular .The payment appears to be completed, and the funds were withdrawn from the Pended account in the amount of {$720.00} on XX/XX/2016. The funds were supposed to be applied to the checking account # xxx-xx XXXX with Banco Popular. The check was cashed by Banco Popular and has n't been deposited yet. 

Attached is a copy of check # XXXX on both sides cashed by Banco Popular. 

Sra. 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 2016-06-13
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I have made requests to Specialized Loan Servicing for a standard or legal size copy of the loan agreement that is allegedly the one I signed. I have been sent some kind of a small version that I can not read because of " reduced '' size. This is not a document.

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 2017-01-30
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage was with XXXX. I sent so many documents to XXXX. 
For years I sent documents. I had a loan modification with XXXX. My loan was transferred I tried at tell them that I had a plan with XXXX. SLS said they could n't find anything. I had to start over. I have sent many documents to them. SLS even sent me a Summons and Complaint. 
When I learned that my loan was transferred I was confused because XXXX had just approved me for a loan modification. With SLS I had to start over and still sending documents. I do not want to lose my home. 
I paid an attorney to help me over {$5500.00}. ( considered a scam ) he took my money.

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