BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-09
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I deposited two checks at a local XXXX branch. These checks were made out multiple parties, all of which had endorsed the checks to allow me to deposit the check. I received a $ XXXX check and a $ XXXX check from my home insurance company XXXX for wind and hail damage to my primary residence. The first check was made out to my wife, my mortgage lender and a public adjuster we had used for help with our insurance claim. The secondary check was a supplemental check from the insurance company and that was made out to my wife and the public adjuster. I had sent out the first $ XXXX check to my lender who endorsed the check and mailed it back to me. The two checks were then endorsed by my public adjuster after which they were endorsed by my wife and I then deposited them with the teller at the bank. The teller informed me that it may take up until the XXXX for the funds to fully clear and be available, which is fine. I went to sleep and woke up to an overdrafted checking account as Chase put a hold on the original check and the deposit action of the check was no longer showing up in the online portal. This negative balance in my checking account effectively prevented me from making any payments or using my debit card for any purchases for all of XX/XX/2022. I contacted Chase via phone and they were adamant that I force the other two representatives of the companies on the original check to visit a local Chase branch and confirm they endorsed the check, something that I am not legally required to do, nor something that my mortgage lender or public adjuster is required to do. Their endorsement on the check is all that is needed for me to deposit the check at the bank, and I'm not legally required to force people to show up at local Chase branches, as I states multiple times on the phone to the Chase representative I spoke with. I even went as far, as to spend XXXX minutes explaining what this check was for and how it originated, but the representative would simply mute themselves and come back 1-2 minutes after I finished speaking and pretend they didnt hear what I said. Today, ( XX/XX/2022 ) the negative balance on my account has disappeared as the remote deposit at the chase branch now accurately reflects in my account. I am however actually still unable to perform any transfers, make any payments or use any of the debit cards on our checking account. Chase needs to rectify this mistake and allow me the full use of the funds in my account that did not originate as a result of this recent deposit, and must eventually also release the money from these two checks to me as it is legally my money sent to me by my insurance company allowing me to repair my roof before winter gets here. At this time, i am unable to pay for any utilities, unable to pay for our mortgage, car loan or any of our credit cards due to the negligent conduct of Chase bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-23
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I hope my complaints fell in the right categories. I had a Navy Federal Credit card opened around XXXX. I had a excellent payment history for several years straight. My problem with Navy Federal customers service they were on several occasions was applying my payments to different account that did n't belong to me. And I stayed on the phone speaking from customers and the recovery department concerning my credit card account. Once I was able to get all my receipt together and present them to Navy Federal loan officers they came to the conclusion that I did make my payments on time but they were applied to someone else account. This went on for several months until my account went into default ( dark place )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My accounts was closed as a result o f Card Security igno ring my requests. I received a letter from  XXXX   XXXX  which never addressed the closed accounts and the effect that It had on my credit. I also uploaded the fax confirmation s to Card Security sh owing that the information was sent and was received without error. You addressed all the open accounts but never addressed the ones that was closed when you consider I submitted this information  to Card Security at t he beginning of  XXXX /2016 and it took them months to pay. To date they have not paid  the Belk  ending  XXXX  and I have submitted t his information to them repeatedly to no avail. TJ Maxx was closed as well as a few other accounts. You did a partial research into this matter but I need the date my information was submitted the FIRST time   to Card Security and the time it took them to process my information. I have the fax confirmations to prove that it was sent to them but they claim to never have received it and did not proce ss it until my accounts were closed. They had a month to process my claim and nothing was done! I do n't know if I am a liability that they did this for my account to close or not but I think it is somewhat suspicious.

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 2022-09-09
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Please see attached Notice of Dispute. I attached proof XXXX XXXX XXXX XXXX XXXX had credit wired to its account at XXXX XXXX XXXX XXXX into account ending XXXX on XX/XX/2022. Contact XXXX XXXX XXXX XXXX XXXX to confirm this fact. 

I dispute the TOTAL amount DOVENMUEHLE MORTGAGE, INC. claims I owe without any evidence of a debt by agreement or judgement from a court about this debt. I dispute the accuracy and completeness of DMIs reporting activities as well. There are two different account numbers for the same alleged obligation, how?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2017-06-19
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sent Experian a letter on  XXXX   XXXX ,    2017  via Certified Mail stating that there was a Public Record on my report for Bankruptcy, that needed to be removed because it was inaccurate. They in turn, sent a letter back to me dated  XXXX   XXXX ,    2017   ( w hich I did not receive until  XXXX   XXXX  ) stating that the record had been verified and would remain on my report. They did not state how the information was verified, which poses a huge problem. The letter that I sent included a letter from Alaba ma Federal Court stating that they do not provide Public Record information to Credit Bureaus. This record information was not obtained from the court, and should be removed from my credit report.

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 2022-09-09
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Marcus by Goldman Sachs gave me a credit card. On XX/XX/2022 the closing balance on the account was XXXXXXXX XXXX and the balance on the card is still XXXXXXXX XXXX. Yet on my credit report it is showing that I owe {$1400.00} on the credit card and that is false. 
The balance on the card is XXXXXXXX XXXX and it should be reported as such. 
Kindly fix the account balance being reported on my credit report to XXXXXXXX XXXX  please on my Marcus by Goldman Sachs Credit card please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I wrote a letter to Firstpoint Collection Resources about a medical bill requesting a detailed/itemized of the bill they say I owe them {$1200.00} in XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX XXXX sent me an invoice, but there was nothing about what I was being billed. XX/XX/XXXX, I sent them letter requesting the detailed/itemized bill again. XX/XX/XXXX, I sent Firstpoint Collection Resources another letter demanding they prove the debt. Again they sent me an invoice {$1200.00}, no bill, no detailed information. I want this information removed from my credit report. I have spent months trying to get what they are billing me for. This company is violating the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reportingXXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 2. there is some inaccurate information reporting. Account XXXX : XXXX Please remove it from my credit report. 3. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX there is some inaccurate information reporting. XXXX  XXXX Account Number : XXXX Please remove it from my credit report.

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 2022-09-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I wanted to buy another home so I looked at my credit in XXXX of XXXX, there are alarming accounts and inquiries that I did not make. This is disheartening as I worked so hard on my credit to be in good standing for the past 7 years since college. I have an account with XXXX who as everyone should know by now has gone through more than 3 breaches in the past couple of years. I do also recall missing my purse. I lost my purse on my birthday at the club some time ago in XXXX. Though, when I returned to the club the next day to see if I could find it, to my surprise the club owner gave it back to me with all my belongings still intact so I thought nothing of it. I don't know who could have stolen my information or sold it off for that matter. Again this is disheartening as I have reached out directly to Equifax, XXXX and XXXX several times on this - presenting them with all necessary documentation and still have not received any help or guidance. They have yet to respond by deleting all the fraudulent information on my credit report. I paused on putting an application in for a new home and hate that I have to go through all of this. I just want to be treated fairly, I am utterly disappointed in both XXXX and Equifax and XXXX. The accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following accounts.. DPT EDXXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Quickly delete the items from report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
From XX/XX/XXXX through XX/XX/XXXX Chase Bank has charged me insufficient funds fees nine times ( 9 ) times at {$34.00} for each insufficient fee. I have communicated with Chase bank asking them why they keep debiting the account when they know that there are insufficient funds in the account to cover any transactions as the account was already negative. Their response is usually incoherent or something to the effect like that is the Bank 's policy. The resulting effect is that within less than two weeks I incurred fees totaling more than {$300.00} from Chase. 
I have expressed to the bank that their system of imposing insufficient fees is oppressive to a small business owner like myself because the Bank clearly has a profit motive in paying for electronic debits to the account, even when it has been apparent for many days, that the account lack sufficient funds to cover these transactions. Furthermore CHASE is also being exploitative to consumer when it's policy is to pay for the largest debit transactions first, and not transactions that are first in time. Their system guarantees insufficient fees will be imposed for more transactions and even for the smallest transactions. Sometimes I am even required to pay {$34.00} for debit transactions that are as small as {$5.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-09
Company: EQUIFAX, INC.
State: GA
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:
was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reportingXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 2. there is some inaccurate information reporting. Account XXXX : XXXX Please remove it from my credit report. 3. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 6. there is some inaccurate information reporting. XXXX  XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: JPMORGAN CHASE & CO.
State: OH
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 noticed that when I make payments, Chase withholds some of the money from my available credit, making that withheld amount unavailable to me. 

In this situation, as of today XX/XX/2019, I have a {$34.00} credit to my account, meaning I should have {$430.00} in available credit, less any pending charges. I have {$98.00} in pending charges.. As a result, I should have {$330.00} in available credit. 

But I don't. I only have {$300.00} in available credit - when contacted to find out why, Chase states that my last payment of {$66.00} had not posted to the account ... but in fact their online banking website for my account shows this payment posted XX/XX/19 - yesterday. When I tried to explain that I needed to pay a bill with the full {$330.00} that I rightfully should have -- I was told that I'd have to wait 3-7 more days to speak with someone about it, and was hung up on by XXXX XXXX of XXXX XXXX when I tried to understand why there was a descrepancy with what I should have in available credit, and what they are allowing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
As holders of a spousal consolidation loan through XXXX we are unable to consolidate into a direct loan in order to receive XXXX XXXX XXXX XXXX. My husband and I are both XXXX who have paid well over 120 payments on our loans. This practice is burdensome and unfair. It punishes married public servants. Please change the direct loan requirement or enable those of us who have 120 payments to be forgiven without having to reconsolidate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The inquiries listed in my report were inaccurate. I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX  XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXX  XXXX  Inquired on XX/XX/XXXX XXXX/XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXX  Inquired on XX/XX/XXXX XXXX/XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXX  Inquired on XX/XX/XXXX XXXX/XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/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 non-monetary relief