BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-01
Company: JPMORGAN CHASE & CO.
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
The mobile deposit of an Offcial Check of {$1900.00} was made into my Account on XXXX/XXXX/15AM and Bank Accepted the Deposit on XXXX Afternoon and Credited to my Account on XXXX/XXXX/15. Based on Available Balance I Withdrew {$1200.00} Cash & XXXX/XXXX/15 Withdrew {$1100.00}. On XXXX/XXXX/2015 AM Chase Bank Informed me that Official Check 0f {$1900.00} Deposited to my Account is Fake and Charged my Account {$1900.00} Debit that created Negative $ XXXX Balance. On XXXX/XXXX/2015 A Social Security Administration Deposited Retirement check of {$1500.00} in my account. Chase bank take away that money to pay-off negative Balance. I think this is unfair business practice who accepted Fake Official Check Deposit on XXXX/XXXX/2015 and then punish customer by taking away theirsocial security money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: JPMORGAN CHASE & CO.
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Deposited a paycheck in a chase checking account. 
My employer showed that the money was withdrawn from his account onXXXX XXXX,2015 and our account showed that the money was deposited but chase locked the account and we were unable to withdraw, wire transfer or use a debit card to access the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My personal account at Chase was breached, either by someone stealing my personal information off my debit card, or Chase themselves stole it. When I filed a claim, Chase said to me : " They issued me a 'Perfect, Flawless, and Unique '' debit card that is literally " perfect '' and can not be reproduced or make any errors '' so they blame me for making XXXX+ withdrawals even though I absolutely did not such thing, and gave my information to no one. Either Chase is lying about how perfect the card they gave me and someone copied it from somewhere or Chase themselves used my " perfect card '' themselves, after all since they claim my card could not be duplicated then that leaves them as the other other way my money, {$2000.00}, disappeared into thin air, they said. They also said I had to have made those withdrawals even though My boyfriend is a witness, and claims I was with him during one of the purchases. This is a SCAM Chase is using to either steal, or allow someone to steal all my money, get paid for it, and refuse to be accountable for any money they manage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Atlantic Bay is illegally and fraudulently not releasing money out of the suspense account that is more than my monthly payment. This is constructive theft as Atlantic Bay will not release money that is more than my mortgage and may be being done in unlawful retaliation for me doing a home loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a first mortgage with Ocwen Loan Servicing LLC . my payments are due on the XXXX of each month with a grace period without an additional fee on the XXXX. Due to my payroll schedule and other bills that re due before this payment I choose to make these payments on the XXXX and sometimes a few days sooner. I always use my online bill pay to make these payments and receive confirmation that the bills are paid from my lender. Sometimes, but not consistently, I receive notification via email that my payment was received by Ocwen. However, recently, as of about 4 months ago, I have been receiving letters in he mail from Ocwen looking for remittance on my payment. The letter offers me credit counseling services and at the bottom states : " this communication is from a debt collector attempting to collect a debt ; any information obtained will be used for that purpose. However, if the debt is in active bankruptcy or has been discharged through bankruptcy, this communication is not intended as and does not constitute an attempt to collect debt. '' I am not in default, in fact my payments are made each month without a late fee. Since I am allowed the grace period, I should not be harassed by these letters of collection. When I get these letters I worry that my electronic bill pay was not processed timely until I check my account. I would expect such a notice if my payments were currently in default or extremely past due, which they are not. These letter should be sent on a case by case basis, not as a general mass mailing and only for those that show as delinquent. I am aware that my payments are calculated based on the XXXX of the month and there may be additional interest added to the term of the loan. But I am given the right and the option of a payment made on or before the XXXX of the month without a late fee. Do you send these letters out to people that make their payments on the XXXX, XXXX, XXXX, XXXX ....? Technically anyone who falls within that grace period would be receiving these and that is not right. We are aware of the terms of our loans, trust me, if we incur a late fee it definitely makes us aware. I 'm sure you have customers in default to the point that they are in the foreclosure process. I do not qualify as part of this group. I would like the notices to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted the company in XXXX to get them off my credit ask to send proof of bill thu XXXX XXXX company then sends me bill from XXXX XXXX XXXXnvoice date was dated XX/XX/2019, saying I owe it on invoice there no address of referring doctor just say name of what I think is a XXXX office and 2nd floor there no street name that. Also they have not sent no document of me signing anything I will like them to get this off my credit. Also when I go on quest website there no record of it I also attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Accounts listed my automotive credit continue to be listed as negative marks for XXXX XXXX and XXXX on account # account # s XXXX, XXXX and XXXX. In fact the XXXX mark is listed as 60 days late. For that to be 60 days late it means XXXX wasnt paid till XX/XX/22. Beings they posted the 60 days late on XX/XX/22 truly backs up the claim that all posted marks have been done wrong and not reflected correctly.

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 2022-04-17
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2020 two dispute and validation letters was delivered to the company via USPS Certified Mail # XXXX / XXXX. Reviewed my credit report 45 days later which showed the reporting of my accounts as delinquent without the required disputed designation pursuant to FCRA 623 ( a ) ( 3 ).

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 2022-04-17
Company: EQUIFAX, INC.
State: PA
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:
Accounts listed my automotive credit continue to be listed as negative marks for XXXX XXXX and XXXX on account # account # s XXXX, XXXX and XXXX. In fact the XXXX mark is listed as 60 days late. For that to be 60 days late it means XXXX wasnt paid till XX/XX/22. Beings they posted the 60 days late on XX/XX/22 truly backs up the claim that all posted marks have been done wrong and not reflected correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: TD BANK US HOLDING COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This is regarding my Target XXXX XXXX, which I have held for several years. I use this card only occasionally. I do not owe them any money, and I have never been late with a payment. My credit score last fall was XXXX points. However, Target arbitrarily decided to lower my credit limit in XXXX, 2021, for no reason. They did not inform me of this, and I want to point out that this was right before the holiday shopping season. I noticed the considerable drop in my credit score, and obtained my credit report. I was stunned to discover that Target had taken this action. It felt like this company was punishing me for some reason, and wanted to catch me overcharging this account, since they failed to inform me that they lowered my credit limit. My exemplary credit score was harmed by Target 's action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Issue: Balance transfer

Complaint:
XX/XX/XXXX To whom it may concern : In XX/XX/XXXX, I entered into a contract with XXXX XXXX to install a new furnace and air conditioning unit. As arranged by XXXX, the work was financed by XXXX, via a VISA credit card, [ Account # XXXX - Amount : {$6300.00}, ( see copy included ) ]. 
Approximately one year later and after more than {$2000.00} in payments, I received a notice on the back page of my monthly coupon/statement ( which I did n't notice ) that the VISA feature was being suspended and transferred to a new non-bankcard credit line ( see copy included ) ; to use only for home repairs and only with XXXX specified vendor - XXXX, account # XXXX ( see copy included ). This seemed like a bait and switch deal to me. Needless to say, I was not happy. 
I eventually decided to transfer the balance of the XXXX XXXX card to a legitimate bankcard ( VISA, MC, etc. ), preferably with friendlier terms. I chose a Chase Bank credit card ( per XXXX XXXX ) and applied for the transfer. When my approval was announced it was only for half of the amount requested [ VISA account # XXXX, ( see copy included ) ] and I was informed no changes could be made until after I received my card and paperwork. 
Once I received the card and called Chase Bank, an attempt was made to transfer the remaining balance from the original XXXX XXXX account. I was immediately rejected ( less than 10 seconds ) and I had to suffer another ping on my credit score for the additional credit inquiry ; with no results, despite the representative 's guarded optimism and the short span between inquiries. 
Now I 'm stuck with XXXX credit cards ( each with substantial balances ) and a compromised credit score that I will have to compromise more in order to get the total balance transferred from XXXX XXXX. 
Ideally, I wanted this not to have happened, so I would n't have to pay the price I 'm paying now to fix it ; but my desired resolution would include : -- Complete transfer of the XXXX XXXX balance to one bankcard ( VISA, MC, etc. - preferably the new Chase card I presently have ), with equal or better terms as that Chase card, at no cost to me or my credit score. I no longer wish to do business with XXXX XXXX. 
-- If that option is not possible, I 'd like the remaining balance on my XXXX XXXX card to be converted or transferred to a bankcard ( VISA, MC, etc. ), with agreeable terms and at no cost to me or my credit score. 
Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2020 a dispute and request for validation letter was delivered to the company via USPS certified Mail # XXXX. Reviewed my credit report 45 days later which showed the reporting of my account as delinquent without the required disputed designation pursuant to FCRA 623 ( a ) ( 3 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: EQUIFAX, INC.
State: PA
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 swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge also I am not using any third party only ME. There are items in my credit file are from unauthorized use of my social security number and card. I did not authorized these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
This account below was deleted from credit report after being disputed then added back on. Attached on page XXXX of pervious investigations. 
XXXX XXXX XXXX, XXXX Closed XXXX Missed Payments {$3000.00} This account below is paid in full. 

XXXX XXXX XXXX, XXXX Open - Current {$38000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: NELSON AND KENNARD
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
NELSON AND KENNARD ON BEHALF OF XXXX XXXX XXXX HAS SERVED ME WITH JUDGMENT FOR THE ACCOUNTS THAT I ALREADY HAVE A PAYMENT PLAN IN PLACE ... 
XX/XX/XXXX DUE TO FINANCIAL HARDSHIP I HAVE REQUESTED XXXX XXXX XXXX TO REDUCE INTEREST RATE ON THE XXXX CREDIT CARDS THAT WAS AT 46 % APR AND MY PAYMENTS WERE CLOSE TO {$1300.00} EVERY MONTH. I WAS TRANSFERED ALL OVER THEIR PHONE SYSTEM WITH NO LUCK WITH MY ATTEMPTS TO REPAY THEM. THEN XXXX XXXX XXXX CLOSED MY ACCOUNT AND REPORTED IT AS CHARGED OFF TO MY CREDIT. ON XX/XX/XXXX XXXX COLLECTIONS HAVE CONTACTED ME ATTEMPTING TO COLLECT DEBT ON BEHALF OF XXXX XXXX XXXX ( SEE ATTACHED LETTER ) AND REPAYMENT PLAN WAS IN PLACE. THEN ON XX/XX/XXXX I WAS SERVED WITH DEMAND TO REPAY ON SAME ACCOUNTS FROM ANOTHER COMPANY NELSON AND KENNARD ( LETTERS ATTACHED ). NOW ON XX/XX/XXXX I WAS SERVED WITH THE SUPPENAT FROM NELSON AND KENNARD REPRESENTING XXXX XXXX XXXX FOR THESE ACCOUNTS THAT I ALREADY HAVE A REPAYMENT PLAN AND HAVE BEEN PAYING TO XXXX. 
WHEN I ATTEMPTED TO CONTACT XXXX XXXX XXXX TO FIGURE OUT WHO AM I PAYING ON THIS DEBT AND WHY ARE THEY SUING ME WHEN I HAVE BEEN PAYING THESE ACCOUNTS I WAS TRANSFERRED ALL OVER AND EVENTUALLY WAS TOLD THAT THIS IS A CHARGED OFF ACCOUNT AND THEY ARE NOT COLLECTING ON THIS ANYMORE ... I 'M TOTALLY CONFUSED NOW. NELSON AND KENNARD IS AGGRESSIVELY PRESUING THE COLLECTION EFFORTS THREATENING TO PUT ME TO JAIL IF THESE BIG AMOUNTS ARE NOT PAID IMMEDIATELY. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: OR
Product: Payday loan
Issue: Can't contact lender

Complaint:
I keep getting calls at all hours, XXXX etc. XXXX. and I finally after XXXX calls got the heavy accented person to tell me the company calling me and my friends, relatives, is NCO from XXXX, florida. I told him I had turned him into the oregon state attorney generals office and the CFPB also, and he told me the case is closed, and now I will be served papers and sued from them and a company called XXXX XXXX XXXX whoever that is. He said it was a payday loan company, but I never took a loan with them. I asked why I hadnt recieved a bill and he couldnt answer that. The first call they wanted money over the phone, this call once I told him what I did, he said I would be served papers. On the internet there are lots of complaints about these people. They need to be stopped. I want to sue them if you will take my case. Please help me to make the phone calls stop. I have also filed a complaint with the state attorney generals office. Please feel free to contact me at XXXX during the day. I am XXXX and cant take much more of this harrassment. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: National Credit Systems,Inc.
State: NV
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:
This is not a Dispute. I am a Victim Of Identity theft. Please do not act in violation of the FCRA 605B, 615 ( f ) and 623 ( a ) ( 6 ). As the consumer, I have done my part in reporting this to all necessary authorities including the FTC and Local Police Dept. My Signature on the FTC report serves as my sworn statement. 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of XXXX about an alleged debt.

4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you.

5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt.

14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.

15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THEFT ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge. 18 USC 1028A Aggravated Identity Theft 18. Invasion of Individual and Family Privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There is an address on my Equifax credit report that is incorrect. I have never lived in that city in my entire life. I know the street name is XXXX and the city is in XXXX, Michigan. This is the address I 'd like removed. Please investigate and let me know what I can do to get this address removed. It 's not on my XXXX report. Not sure if it 's on my XXXX report. I appreciate your help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: JPMORGAN CHASE & CO.
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
The bank said they could not find any record of where I authorized them to refuse any NSF after this consumer law passed. They had to get each depositor to sign yes or No. I said No. At least once since this law passed this bank refunded my fee on a NSF they paid without authorization. I looked in the email for it and apparently they have another policy of deleting emails after 6 months. Prior to this illegal fees theivery, all my emails were available from the day I opened the account. Several Years. Apparently so they could prove that had n't refunded with their own messages. Make them give me my money back. It 's XXXX. # XXXX Chase Bank XXXX XXXX.

Company response to consumer: Closed with monetary relief