BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-01
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX XXXX, I dispute a series of charges made with chase credit card with online merchange premier cru. The merchant has failed to deliver the " pre-arrival '' wine that were ordered years ago, I have expressed concern to the card card specialist that they should block all transactions linked to this merchant since it appear that they might running a " fraud '' company or ponzi scheme. XXXX XXXX, I submit my detailed claim for all my chase credit cards. The merchant premier cru has since filed for bankruptcy and which means that they will not be able to deliver all out-standing merchanise. 
Chase issued provisional credit, which they subsequently reverse, citing reasons i ) that they have contacted the merchant and they did refuse to issue a credit Upon investigating and calling in, I found that they called the " wrong merchant '', another shop of the similar name and claim that they have done their due diligence. Next, they send me a report of another consumer 's credit dispute which is completely un-related to the case. It an act of gross negligence and breach of confidential information. 
They continue to cite that the charge is valid, due to the date of the charge, and the merchant is n't under obligation to provide credit to the account. This is not true when as of the time of dispute XXXX XXXX, bulk of the charges are within 540 days chargeback limit. When I call in again, saying that the " XXXX '' case is under FBI investigation, and it is most likely a fraud and hence qualify for protection, the specialist stated that nothing is certain till the investigation is finalized On XXXX XXXX XXXX, XXXX XXXX, the owner of XXXX, once a leading wine merchant, was escorted into an XXXX, XXXX, courtroom by federal marshals last week, shackled hand and foot. In a low voice, XXXX, XXXX, pleaded guilty to a single count of wire fraud in connection with a massive Ponzi scheme he operated at XXXX XXXX, the XXXX XXXX he cofounded with warehouse manager XXXX XXXX in XXXX. 

Given this new evidence, I hope chase credit card will handle the case diligently, given that the consumer look toward to the card credit|agency to detect such fraud and at the same time, there has been repeated warnings.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
On XXXX XXXX, my office ( Home Loan Alliance Title ) initiated an outgoing wire from our escrow account held with Chase Bank. The wire we requested was for {$100000.00}, sent to XXXX XXXX XXXX. This wire was to pay off a current mortgage lien. 14 days ago, when we initiated this wire, the funds were deducted from our Chase account by Chase and showed completed. Yesterday I was notified by Chase the wire was not sent to the recipient, XXXX XXXX XXXX. It was instead held for review and Chase now needed further verification in order to release the wire. It 's been held for14 days without notification and as of today Chase still has not released the funds. When Chase contacted my office yesterday I was transferred to a couple different agents within their company for assistance but none who could resolve the issue. XXXX XXXX was one of the agents I spoke to and she verified there were no errors in the account information enter on the wire. She also provided a reference number ( XXXX ) regarding the wire issue and stated I would receive a call back. The next call I received was from XXXX XXXX with Chase. He stated the Chase compliance department needed information regarding a third party ( XXXX XXXX ). Not understanding why and XXXX inability to explain, I requested to speak to someone in the Chase compliance department and was told XXXX XXXX would contact me. I am still waiting on that call. Meanwhile, trying to get this urgent issue resolved, I 've since emailed several others people within Chase and spoke to XXXX who is at our local branch and XXXX XXXX from another department. Both calls ended with no resolution and that someone will contact me. 
As of right now, Chase is still in possession of the {$100000.00} and the loan the wire was intended to payoff is accruing additional interest and fees. 
The way our account and this issue is being handled by Chase is not only extremely unprofessional but also negligent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I applied for a Chase credit card specifically in order to use it for the no balance transfer fee and no interest on transfer balance for 18 months. I was accepted and instructed Chase with all pertinent information to pay off my old XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Visa account. Chase claims they have done this but the XXXX has informed me after repeated inquiries by telephone that they have no record of this transaction. Repeated requests for action from Chase via telephone and their online messaging system have gotten me a promise that I will receive a letter in the XXXX mail in 30 days with an answer to my request. This is unacceptable. Chase made a mistake and is not proactively fixing their error while I am, in good faith, currently paying off XXXX credit card debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The collection account has been sent 2 times to the credit reporting agencies on purpose after I sent a letter to GRANT MERCANTILE AGENCY for them to stop harassing me. Additionally, HIPAA and State of California Medical Privacy Statutes further protect my protected health information, GRANT MERCANTILE AGENCY is in violation. Ive asked GRANT MERCANTILE AGENCY to close and remove this account, instead, they opened another false account and are practicing extortion techniques. 

GRANT MERCANTILE AGENCY has opened first account XX/XX/XXXX in an amount of {$3700.00}. Now GRANT MERCANTILE AGENCY has created a bogus account on XX/XX/XXXX in an amount {$3700.00}. Now the total debt looks like I have {$7400.00}. GRANT MERCANTILE AGENCY is a SCAMMER. 

On XX/XX/XXXX Ive requested the following from GRANT MERCANTILE AGENCY : 1. I am asserting my rights under the Financial Services Modernization Act and the Fair Credit Reporting Act to " opt out '' of the following two uses of my personal information : a. You do not have permission to disclose personally identifiable information with your non-affiliated third-party companies, partners or individuals. b. You do not have permission to disclose my creditworthiness to any affiliate. 
2. I am further instructing you : a. Do not disclose any of my transaction and experience information to any affiliate of yours.

b. Do not disclose any information about me in connection with marketing agreements between you and any other company. 

GRANT MERCANTILE AGENCY still continues collection attempts but is doing so through extortion by sending the same debt to credit reporting agencies so it appears I owe thousands more than the original amount, GRANT MERCANTILE AGENCY is sending bogus duplicate information in order to continue their extortion practices and explicitly violated the Fair Debt Collection Practices Act, the Fair Credit Reporting Act along with HIPAA and several other state and local regulations.

I ask your help to investigate GRANT MERCANTILE AGENCY. This business is malicious and does not comply with the California law. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Experian Information Solutions Inc.
State: MS
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:
My credit has been compromised. I found out because XXXX XXXX  sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX {$640.00} XXXX XXXX  XXXX {$1600.00} XXXX XXXX {$890.00} XXXX  XXXX {$640.00}

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 2016-12-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
To whom it may concern : In XXXX we took a residential mortgage with XXXX Mortgage Co., a division of XXXX. This mortgage was subsequently assigned to XXXX XXXX Bank ( file # XXXX ). Around XXXX XXXX we refinanced the above mortgage with Washington Mutual ( WAMU ) ( file # XXXX ), which became the assignee of the XXXX mortgage ( file # XXXX ). However, WAMU never filed this assignment with the County XXXX Office. We refinanced again around XXXX XXXX and paid off Washington Mutual. However, since WAMU never filed the mortgage with the County XXXX Office, it did not file a Satisfaction of Mortgage either. WAMU acknowledged this error in the payoff letter it sent to us ( file # XXXX ). Recently, we tried to refinance the house again to help our daughter with college costs, but the bank refused because the XXXX Mortgage is still showing as unpaid at the County XXXX Office ( file # XXXX ). The County XXXX Office stated that Chase Bank ( which took over WAMU ) has to do two things : ( 1 ) file the assignment of XXXX Bank on behalf of WAMU and pay the recording fee ( which we originally paid as part of the closing costs ( see file # XXXX ) and ( 2 ) issue a Satisfaction of Mortgage letter to remove the lien. 
the following are our contacts if you would like to reach us : XXXXXXXXXXXX cell= XXXX 's XXXX XXXX XXXX XXXX ; XXXX 's ( XXXX ) XXXX home= ( XXXX XXXX XXXX Thank you for your attention in this delicate matter. 
Sincerely, XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 I made a withdrawal in XXXX Wells Fargo store with the amount {$4100.00} from my checking and {$10000.00} from my saving accounts. The next day, XX/XX/2022 I made another withdrawal of {$7000.00} from my checking account. 
On the same day, XX/XX/XXXX, I received a text message from number XXXX stated : Wells Fargo-Bank : According to Our Anti Fraud Your Debit/ ATM Card is Under Review, To verify Your Identity Follow XXXX XXXX XXXXXXXX. 
I thought because of my large amount of withdrawal, Wells Fargo put my card under review. I clicked on the link and provided all the information without thinking. I provided the picture of my Debit Card, typed in my ATM PIN, provided my Social Security number and the picture of my Driver License. 
On XX/XX/2022 I noticed all the strange transactions on my debit card was spent at XXXX, the total of {$5800.00} including {$1000.00} at ATM machine. 
I reported to Wells Fargo on the same day XX/XX/2022 about the unauthorized transactions. I also reported to XXXX Police Department and filed an Identity Theft Report on FTC site. 
On XX/XX/2022 Wells Fargo called and left me a voicemail saying that my claim was denied, and all the transactions were made by me or someone who had my permission. 
I disagreed on the decision they made. I called Wells Fargo on the same day XX/XX/XXXX, to explain what happened and how my Debit card got hacked. They suggested me to send a police report to support my claim and write an email to cardclaim@wellsfargo.com to ask to reopen the claim. I contacted XXXX Police Department to provide me the report. Unfortunately, they couldnt release the report since the case is still in active. 
On XX/XX/XXXX, i sent an email to Wells Fargo explained the situation with attachments of the scam text that I received on XX/XX/XXXX, my Identity Theft Report and the email from XXXX Police Department saying that they couldnt release the report. 
On XX/XX/XXXX, I received an email from Wells Fargo ECMO saying that they have started their research on my claim with new claim number. 
On XX/XX/XXXX, Wells Fargo responded to me that they denied my claim again. They concluded that their systems show my debit card and PIN were used as identification and they determined the transactions were authorized by me or by someone authorized to use my debit card and PIN. 
Under penalty of perjury, I declare above information is true and correct to the best of my knowledge.

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
Consumer complaint received 2022-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have already made a complaint but you have closed as if its all done. 

The complaint Number was XXXX I gave feed back that I wasn't happy with the bank doing nothing at all to help me pay the credit card off, I gave feed back to CFPB saying I want it sorted out as the bank basically said if I don't pay then my credit rating may be effected, I get emails from them saying Last chance : Your credit card account will be charged off if we dont receive a payment of {$53.00} by XXXX XXXX. Eastern on the last business day of the month. 

I simply need a bank account number from them so I can internationally send them the money but they say they can't give it to me. 

This is so stupid the BOA have access to hundreds of million accounts, I asked if they could open a account in my name and they can shut it as soon as I have paid it all off, they said no they can't do that. 
I said to BOA surely a bank manager or Director could give me details of an account number I can send the money to them and they could simply pay the credit card off, I was told no. 

Please read my feed back to you as I explained it to you there in further details. 
I am not happy that the BOA are giving me no way to pay them, it was they who closed my chq account which I used to make payments of the credit cards. 

I can't understand why its so impossible for me to make a payment to them, I'm sure if I owed them XXXX XXXX they would find a way. 

Please reverse the closure of complaint Number was XXXX Thank you for understanding I AM WANTING TO PAY OFF THE ENTIRE CREDIT CARD but BOA will not give me the means to do that.

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: ECMC GROUP, INC.
State: GA
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
A company by the name of ECMC is reporting accounts on my XXXX and XXXX accounts. It seems that they are reporting student loan information. I have never signed a promissory note with any company by the name of ECMC while I was attending college. A few weeks ago I requested to ECMC to validate the debt that they are reporting on my consumer credit files, and they failed to do so. I demand that the company by the name of ECMC immediately deletes all accounts from my XXXX and XXXX credit reports due to their inability to verify and validate that I owe the debt to their company. They fail to produce my signature on documents. I did not sign a contract, promise to pay, or promissory note with a company named ECMC and that is the bottom line.

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 2017-03-17
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My husband tried three times thru phone conversation with XXXX customer service to see if we can paid a debt with them of {$820.00} in three parts because we did not have the total amount at that moment. XXXX response was that they do not do that and that we had to pay the full amount or it will go to a collection agengy. So those {$820.00} went to a collection Agency named SouthwestCredit. 
SouthWest Credit accepted {$410.00} to resolve the account with XXXX XXXX XXXX which we paid using a credit card. All this happened in XX/XX/XXXX/XX/XX/XXXX. Today XX/XX/XXXX we received a Letter from another collection Agency Named XXXX, collecting {$410.00} from XXXX XXXX I contacted Southwest Credit and they said they sent the information to XXXX I contacted XXXX and they said that a remainig balance of {$410.00} is due with them and that they do not have any agreenment with the collection agencys so even though they received {$410.00} from SouthwestCredit on XX/XX/XXXX the remaining balance still due with them that is why it went to another Collection Agency named XXXX. I have a letter from SouthwestCredit which says they accepted the {$410.00} to resolve the XXXX account of {$820.00}. Please Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: CA
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 sent letters on XX/XX/2022 to Experian, XXXX and XXXX about unrecognized negative items on my credit report and have not received any Information back. It has been over 30 days. These companies are not complying with their own policies in a timely manner. I sent a second letter XX/XX/2022 asking the companies listed to comply but received no response.

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 2023-04-14
Company: EQUIFAX, INC.
State: WI
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 received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: EQUIFAX, INC.
State: IL
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:
XXXX XXXX XXXX committed and wrongfully placed information on my credit report that does not belong to me. I have contacted the company several times and requested that they send pertinent information that corresponds to validating my identity to prove that I have an account with them. THEY HAVE FAILED TO PROVIDE any documentation whatsoever showing that this account belongs to me. They have violated the FCRA regulations in reporting information that does not belong to me to the credit reporting agencies XXXX, XXXX and Equifax. Furthermore, I have contacted XXXX, XXXX and Equifax as well in which none of the the credit reporting agencies have submitted information proving that this account is mine. I asked them to remove this fraudulent account and they have also failed to do so. I have filed police reports and an affidavit to validate my claim. I have sent out certified mail to you all parties several times and have received no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Chase Bank has a " policy '' that any deposit made after XXXX will be credited the next day, however CASH deposits show as available money in the account, available after making the deposit at anytime of the day or night. Chase openly admits that they have now charged my account three times because a cash deposit was made after XXXX and transactions that were pushed through that night caused and overdraft fee despite the fact that my account clearly showed an " available balance '' of higher than all transactions. Chase hides behind their " policies '', but what they are doing is criminal. The Cash deposit was in the account BEFORE the charges were pushed through, the available balance was higher than the charges, but Chase is still charging an overdraft fee. 
I noticed on a Chase bank complaint message board numerous similar complaints, where someone pointed out the obvious fact that a CASH deposit is a CASH deposit. It does not matter what time it is deposited. It is given an automatic available balance, so if the the money is in the bank before the charges go through and is available, it would be illegal to say that there were insufficient funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-30
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Requesting payoff balances from JP Morgan Chase on a XXXX Mortgage and a XXXX Mortgage. The loans are residential and not a short sale. The Home is part of an Estate Chase will not provide the payoff balances to escrow. Our Attorney who handled the estate faxed to Chase the death Certificate and the superior court letter appointing the executor of the estate. Chase said have her call she called they would not talk to her without the same paperwork. ( Death Certificate and Court Letter appointing the Executor ). Faxed a second time got a file or ticket number. Executor called again they said they did not have the documents again refused to talk with her again and requested the documents again. Escrow and the Estate Attorney and the real estate broker faxed the documents again and got ticket numbers. Executor has been calling and escrow has been requesting the payoffs for over a week and still no payoffs have been provided..

Company response to consumer: Closed with explanation