BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-18
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Other

Complaint:
I made an overpayment on my Chase credit card of XXXX on XXXX XXXX after a prior payment was made on XXXX XXXX. I contacted Chase on XXXX XXXX and let them know I would like that returned to my checking account and was asked for my routing number and account number to return the funds. When the funds never came on, on XXXX XXXX, I called backed and was told that a check was mailed on XXXX XXXX and that it would take 7 to 10 business days to receive and that the first customer service rep messed up and did not inform me that a transfer of funds to my account was not possible because I did not have a Chase bank account. I then asked if there was a way for them to send another check via XXXX or XXXX and they stated that the only option was to wait for the check or stop payment and issue a new check. I have waited for going on XXXX days from the original date of the overpayment and have not seen a check and have called and talked to chase at least XXXX times with no luck and continue to get no other option other than talking to a supervisor who states the same broken line that they can stop payment on a check which clearly was never sent and issue a new one and have me wait 7 to 10 business days to see if it arrives. This is clearly a frustrating very long process of waiting for funds that they have the authority to send via XXXX or EFT at anytime but chose to frustrate and anger customers rather than do the right thing. This policy is designed to hold on to other peoples money for an extended amount of time without any recourse what so ever. The Chase system is computerized and should not allow an overpayment for a large dollar amount without warning people that a payment is already pending as it will not allow the opposite, an underpayment of your minimum balance due. I would just like Chase to do the right thing and issue an expedited check that does not involve the long dreadful waiting game for a check that should clearly be sent and received in a timely fashion, or better yet, transfer the funds via EFT to my checking account as it is clearly possible for a Banking institution that is too big to fail and is supposed to be working for the people that bailed banks out in the financial crisis of 2008. Every single time I have called the highest level I can reach is a supervisor who has no authority to do anything and simple reads from a script over and over about putting a stop payment on the old check ( that was supposedly send out but never arrived ) and starting over from the beginning in a crazy never ending waiting game with no guarantee that anything will ever arrive. If I ran a business like this I would be out of business in days and under investigation for XXXX business practices. Please help me recover my funds in a timely fashion that does not resemble a XXXX at a casino? When did the customer is a valued commodity disappear in the USA. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Paypal Holdings, Inc
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
PayPal - negative {$1000.00} XX/XX/XXXX Transfer Loading transaction details for PayPal - negative {$1000.00} XX/XX/XXXX Transfer There is an open dispute associated with this transaction. Visit the XXXX XXXX to view status. 
Paid with Balance {$1000.00} Transaction ID XXXX Seller info PayPal Note {$1000.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation My email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Ive advised all 3 credit Bureausto send me a copy of my report and they wont, so continue to merge my daughter and I as the same individual and have refused us the opportunity to obtain copies of our free credit reports to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: JPMORGAN CHASE & CO.
State: NE
Product: Credit card
Issue: Advertising and marketing

Complaint:
When I signed up for my Chase Freedom Visa credit card on XXXX XXXX of XXXX there was a promotional offer of a bonus, if I spent more than a certain amount of money. On XXXX XXXX XXXX after or close to what I thought was three month mark from the time I opened the account I contacted Chase to see when or how this would be applied to my account. The customer service representative said she would forward this to a specialist and they would get back to me in writing. On XXXX XXXX I received a letter by mail from Chase stating that I did not meet the spending requirement of the promotional offer. The offer they stated in the letter was I would receive {$400.00} or XXXX points if I spent {$3000.00} in the first three months from the opening date of the account. I certainly have complied with the requirements in the first two months of opening this account by spending over {$4000.00}. I contacted Chase on XXXX the XXXX XXXX and spoke to a XXXX XXXX a supervisor in the XXXX XXXX, TX call center and explained to him what has happened. XXXX said at the time I opened my account there were no offers available and that they would not be honoring the offer. He went on to state that had, I called in on or before XXXX XXXX they would have applied the offer that they stated in the letter. I assumed that when I signed up for the card this offer was to be applied and that there was no more action needed on my part or any reason to have to contact Chase to receive the promotion offer. When I called in on XXXX XXXX I asking when the offer would be applied to my account and at no time was I informed that I would have to contact Chase to activate the offer since the implication was that it would applied when I signed up for the account. The letter they mailed me clearly states the offer and the documentation of my account statements enclosed with this complaint clearly states clearly I have meet and exceeded the requirements set forth in their letter. No where in the letter or when I signed up for this account does it state that I was required to contact chase prior to the three month mark of activating the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have beyond a shadow of a doubt communicated to Chase Bank that my mortgage loan is under MY name ONLY the original co-signer XXXX XXXX ( XX/XX/XXXX ) has been deceased since XX/XX/XXXX and Chase told me and the CFPB!! that they updated the records to reflect this. My home is in a Trust and a Homestead under MY NAME ONLY his name was removed and the records were supposed to have been updated, but for some sick reason Chase Bank is STILL sending mailings to my home. Please stop the emotional abuse!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: Revolution Financial Inc.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
XXXXXXXX XXXX mailed out a check for property damaged in a vehicle accident. It arrived during a time when I was XXXX. It was then stolen and deposited XX/XX/XXXX. I alerted them to this in XXXX of XXXX when I was released. I had contacted them to have the check sent to me and they informed me it had already been sent and paid out. Police reports were filed immediately and all documentation requested. XXXX informed me that the bank had to run an investigation and it could take up to XXXX months. It has now been almost a year and they just keep telling me the investigation hasnt been concluded. They actually asked me to stop contacting them at XXXX point and wait for them to contact me. The check was a XXXX cashiers check from XXXX XXXX in the amount of {$7800.00}. Issued on XX/XX/XXXX It was deposited into a XXXX XXXX account in XXXX XXXXXXXX on XX/XX/XXXX. Account # XXXX belonging to XXXX XXXX # XXXX. Neither XXXX, XXXX XXXX nor XXXXXXXX XXXX will give me any updates on the investigation.We have solid evidence that neither my wife nor myself cashed this check. I am submitting a complaint and formal request for an update on the investigation to each company. This investigation has been going on since XXXX of XXXX, 8 months now, and I haven't been contacted to answer questions or anything. I don't even know if an investigation is actually taking place.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Ihave3collectionsonmycreditreportfromthesamecompanyLVNVFUNDINGLLC.Iwasnevernotifiedofthesecollectionsandwhendisputetheaccounts,thecompanysendsmealettersayingtheynotifieda3rdpartyconsolidationcompanyandthatcompanynotifiedme.Thisisnottrue,IwasNEVERnotifiedbyanyone.Thecompanyrefusestovalidatethese3accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I put money into an escrow account XX/XX/XXXX at Bank of America in XXXX NJ. Same tenant. XX/XX/XXXX I received notice of it going into unclaimed property. I signed the form took it to my local bank and they faxed it in. That should have been the end. But no. Got another notice and this time they had mistakenly taken the business off the account. Brought my tenant into the bank, she gave her driver 's license and noted that yes the account was in escrow with XXXX XXXX as the agent. All was suppossedly taken care of. Then on XX/XX/XXXX they closed the account and sent to the state as unclaimed property. I have tried to find it at the state and can not. Have no idea how to get this money back. It is techically my tenants being held in escrow.

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 2017-08-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX routinely tries to collect a debt past the 4-year statute of limitations. I receive emails and letters asking me to pay a balance that I am no longer liable for, and when I call them they tell me to pay. Then XXXX changed the last date of payment to reflect a more recent year to keep the debt on my credit report. I disputed it with the credit bureaus. This loan was taken out in 2010. This is fraudulent and illegal. It is way past the 4-year limit statute to collect allowed under California law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Square Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Cashapp/ Square Inc. closed down my account! They will not allow me to return my remaining balance in the app back to my bank. I have my bank XXXX linked to transfer the remaining funds but on the end of Cashapp/ Square, Inc. they wouldn't even lift a finger to help. Everything is automated responses and there is literally no actual person to contact to even explain the situation. At this point all I can do is stare at the number ( {$1800.00} ) on the screen. I just want my money back it's unfair that Cashapp/ Square,  XXXXnc. feels it's okay to reprimand me and pigeon hold the funds on my balance. At this point I consider this theft, I want to try everything possible before I take legal action involving a lawyer and judge. Unfortunately my hands are very close to being forced down that direction, if I can not receive any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Chime Financial Inc
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I opened a chime account in early XXXX and the same day they closed my account with my whole paycheck inside. I have been trying to get my money back for almost two months now with no success. I sent over 10 emails from different dates, after the first email all of the rest were ignored and no one has reached out to help me even with all of the automated responses claiming I'd receive help soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
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: Their investigation did not fix an error on your report

Complaint:
XXXX, XXXX, and Equifax are reporting inaccurate information on my credit report. 

They have RE-AGED the date of last activity on my account, and in the FCRA lawbook under section 605 ( C ) running of the period it is a violation to re-age the date of last activity and it is a VIOLATION that I can sue them for up to {$1000.00} in fines. This week i am looking to take my credit reports to an FCRA attorney to start the process of seeking damages for EACH violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I purchase a home for {$560000.00}, I hired a law firm to assist with a loan modificaftion, I entered into the contract and paid {$1200.00}, to start and XXXX a month for almost two years. T servicer is illegally selling my home, Specialized Loan Servicing, paid the law firm {$2800.00}, to turn the paperwork and over the account to them. and SLS set a sales date of XX/XX/2017 and mailed a letter to me, on XX/XX/2017, stating they could n't reveiw the file for a modification, becuase it was less than 30 day to the sale. I have been paying the law for for 2 years. SLS is also not the creditor, but a accounting service for the lender and ca n't force a sal of a property, if they are n't the owner of the debt and/or interset in the property. 
Both SLS and The law firm, comspired together to undermind my interest in the property and to steal, the property from under my ownweship. Racketeering and Fraud, Theft, etc. 

XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX. Specialized Loan Servicing XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Waypoint Resource Group, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2.  What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: Bliksum, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This number keeps calling my cell phone. They also called my sister looking for our Brother.     They are lying and saying he has won something and they are clearly a collection agency.     Both mine and my sister 's phone # are on the national do not call list.     Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
i had a chase card more than XXXX years ago i get a summons to appear in court from XXXX XXXX/nearly XXXX later i received a garnishment from MAGISTRATE COURT OF XXXX COUNTY enforced by XXXX COUNTY SUPERIOR/only to hear today it may not have been processed properly/anything to help is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Lending Club Corp
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
In XX/XX/2020 I paid off my loan ( account # XXXX ) early. After my payment went through I closed the bank account that I had auto payments set up through as I only used the account for this loan. I later received notice that I was owed a {$68.00} origination fee refund. This refund was sent to my closed account and as a result I didnt receive the refund. Since then I have called in several times to get a refund check issued, every time I was told a request was submitted, but I have yet to receive anything. I know that the first day I called about this I was told that my previous address was on file, but that if I updated it the check would be sent to my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: Experian Information Solutions Inc.
State: SC
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:
My credit score decreased by XXXX points for a debt thats not mine on XX/XX/2022 then later that day it decreased another XXXX points for no reason at all by Experian

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 2016-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
My bank is Bank of America. A charge showed up on my account that I do n't remember authorizing and I did n't recognize the merchant. I tried to dispute the transaction by calling the phone number, but I was on hold for over 15 minutes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief