BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-27
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Dear Sir, MadamThursdays are one of my days off. It is also the days I get paid, late in the day to the wee hours of Friday from one of my jobs. Both of my paychecks have always deposited with JP Morgan. Last Thursday being almost virtually with no money but compelled to do my grocery shopping considering the fact that I will be back at my 14 hours a day schedule for the next three days ( Fridays, Saturdays and Sundays ), with no time to do those chores, I waited well into the afternoon and ran these errands. When I do this, JP Morgan Chase will substract the amount of my groceries shopping from the pay checks that were being deposited by my employers. Or this bank could decide to charge me. There is no clear rule as to why it has this option because JP Morgan Chase is the only party that is in the position to say when my checks were deposited and decide to charge penalties or not to charge penalties. And it did charge penalties, three times, last Thursday going into Friday. And it charged me penalties many times due to this fact that the bank is the only one to say whether or not deposits were made before the cut off time : penalties for overdraft on annuities, penalties on tax returns until the IRS issued specific recommendations. So, I believe the latest penalties JP Morgan charged me again are abusive and would like it to refund me those. I am not in a position to check the time it said my pay check was deposited into my account and I suspect many times JP Morgan delayed the time a deposit should be credited to my account in order to charge penalties. I have no way of proving it but it is a strong impression I have. 

Thank you for your time. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-20
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
GM Financial has closed their title processing office due to COVID19. Though I am sympathetic to this, it is costing me the ability to retrieve my title on a payoff. And therefore I can not resell my vehicle. Conversely ; GM Financial continues to issue financing and accept titles for car sales at their captive GM dealerships. 

This is an anti-competitive tactic not enabling private sellers to sell their vehicles if GM Financial holds the note.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
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: Their investigation did not fix an error on your report

Complaint:
Credit Report compamy is reporting a derogatory debt that has not been proven to be mine. I have disputed this for years and they still fail to provide proof of debt. The creditors name is  XXXX   XXXX   XXXX  the date is  XXXX / XXXX /   2014  in the amount of {$2000.00}. I have not received anything supporting this debt. This is a violation of my consumer rights.

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 2022-08-04
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
Equifax XXXX of XXXXi I REQUEST that you Equifax Validate { not verify } this account XXXX of XXXX acct number you supplied on credit reportXXXX  on report XXXX Disc please enclose the following of you verification { 1 } who you spoke to { aLL associates you spoke what was said by both parties their contact information, any co workers you talked what was said by both parties their contact information { Phone numbers } address of original owner their contact information you Eqifax claim verified I need the information meaning of verified make sure or demonstrate that { something is true or justified LAW swear to or support { a statement by affidavit } Validation the action of checking or proving the validity or accuracy of something '' CFPB I have the right to this information you can not report PAST DUE on a closed account that is a violation CFPB this is me writing this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Problem with personal statement of dispute

Complaint:
I have been trying diligently overtime to payoff debt and clear derogatory items on credit. XXXX and XXXX make sense and reporting fairly. However transunion is a continuous let down and when I called to speak a rep XX/XX/XXXX, she was rude and too disrespectful! 
In XXXX I paid off 3 medical collection accounts. I couldn't pay 1 off because there is no contact for this company. Transunion dropped XXXX points on XX/XX/XXXX and another XXXX points on XX/XX/XXXX were derogatory items were lifted. This month ( XXXX ), many credit card items were paid off / down, while all scores increased, transunion AGAIN dropped XXXX points for paying off thousands in credit card debt. Please be mindful when I check the reason for credit score decrease, transunion says score decreased because of debt payoff. Please explain to me what sense does that make if any???? 
I do need someone to validate this information because I am strongly convinced that the negative reporting is incorrect and transunion is only around to damage a persons credibility. I am SO THANKFUL that banks I used DON '' T use transunion for anything! Otherwise I would be so screwed!

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 2022-03-21
Company: Experian Information Solutions Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX {$440.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2016-02-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Today I transfered ( on line ) {$40.00} from my savings account into my checking. I received an e-mail from Chase stating : " On XXXX/XXXX/2016 XXXX, you withdrew from this account. This was your fifth withdrawal during this monthly statement period. As a reminder, we 'll charge you a {$5.00} Savings Withdrawal Limit Fee for each withdrawal or transfer out of your account over XXXX in a monthly statement period. You can avoid this fee by keeping your withdrawal activity below the limit. 

We 'll waive this fee if you have a balance of {$15000.00} or more at the time of your withdrawal or transfer out of your account in a Chase XXXX, Chase XXXX, Chase XXXX XXXX, or Chase XXXX. 

Keep in mind that federal regulations also limit the withdrawals or transfers out of your Chase savings account. Please see the Deposit Account Agreement on chase.com for complete details. '' A {$5.00} reminder fee? Seriously? Talk about hidden fees! This is my money I 'm dealing with. It is XXXX XXXX, 2016. The end of this month. Why should I be charged for moving my money around from XXXX account to another? No matter how many times I move it around? I got rid of the overdraft fee 's and now Chase is charging me {$5.00} for moving my money around from XXXX account to another? And the fee can be waived if I have a balance of {$15000.00}?? This is not right. CFPB has been very helpful to me before. I hope the CFPB will be helpful to me again. I thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Experian Information Solutions Inc.
State: TX
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:
Experian Data Breech No response. 
My personal email is constantly being hacked since Experian was breeched a long time ago. 
I am constantly getting robots and recorded messages. 
I have tried and tried to contact Experian. 
They offer no help and no recourse for their security breech issues. 
They will not talk to you on the phone. Experian has no options for security breech issues. 
I need some answers and there in no response for their security issues!/ I am constantly fighting off fraud alerts from my bank. 
The fraud attempts are less then they used to be. It all started when signed up for Experian Credit Monitoring services. 
What can I do to get a response or resolution form 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 2022-03-22
Company: CAINE & WEINER COMPANY, 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:
A lot of inquirers that are not approved by me, I worked for a company that had a data breach and was told information was compromised. Asking to have these items deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/XXXX : Someone on XXXX XXXX  ( they keep changing their name ) was able to send themselves {$60.00} from my account XX/XX/XXXX : I see this transaction and tried to get a refund from XXXX XXXX but was declined. I then contact Chase ( my bank ) and tell them about the charge. They proceed to cancel my current debit card and send out a new debit card. I was then given my {$60.00} back and was told that they would look into the situation XX/XX/XXXX : I get a statement from chase that they are going to take the {$60.00} back out of my account by XX/XX/XXXX and won't explain the reason for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My name Is XXXX XXXX. I had a amazon store card with Synchrony Bank with account ending in XXXX. They stated my closed my account due to 2 sent back payments. I stated I was in the hospital with covid and almost died but I pulled through and lived. I have been with synchrony bank for 3 years and have not missed a payment till now. The last thing I would be worried about is paying a bill while on my death bed, but soon as I got out I called to correct everything. They closed my account without my consent and still want me to pay. Im pretty sure that is a form of discrimination and extortion. I demand they open my account back up. I been a loyal customer to them, then in my time of need, they stab in my back. I already know they gon na write in their response that the contract states something about if you miss 2 payments they can close your account, But the UNITED STATES CODE says that they cant close my account without my consent. Im pretty sure the federal code supersede any and all of your rules. And to be honest the contract is not even binding because its only one signature on it and its mines. Synchrony Bank needs to open my account ASAP due to them violating my consumer rights

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 2022-03-21
Company: AmerAssist A/R Solutions, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Amerassist - smile direct club has been reporting on my credit for over two years now as of todays date. I have reached out to the company in the month of XX/XX/XXXX, XX/XX/XXXX in order to receive notification of this debt and its validation being that I am unaware of it.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 {$650.00} Closed Unknown payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving account Balance on XX/XX/XXXX Credit Limit {$650.00} {$550.00} Payment Info Status Charged off as bad debt Status date XX/XX/XXXX Past due amount {$650.00} Highest balance $ XXXX  Monthly payment - Late payments - No payments have been reported on this account. 
Additional info Responsibility Individual account Terms - Company sold - Original creditor - Account currently reporting monthly

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 2021-03-24
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I haven't been able to access my American Express Bluebird account online for the past 3 days. On XX/XX/21, I loaded {$1900.00} cash to my Bluebird card at my local XXXX. I went home and attempted to access my account in order to transfer money to my set aside account and pay some bills. I can't sign in to do anything. I called the number on the back of my card and, after holding for a very long time, got a foreign sounding customer service agent who was unable to help me. I am not the only person having no luck accessing their funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: WELLS FARGO & COMPANY
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We are third parties to the debit owed by our adult son. The collection agenc y at (   XXXX   )   XXXX  has called us at l east four times  on the dates/times listed below. The agency appea rs to be Wells Fargo .  <P/>   X/XX/17    XXXX   XXXX   XXXX    X/XX/17    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 2015-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
transunion says my personal finance debt is - $ XXXX when in fact it is just - $ XXXX. Info provided XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Mr. Cooper Group Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX XXXX and XXXX XX/XX/2021 the mortgage company Mr. Cooper, requested a copy of my credit report with my consent or permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: RFNA, LP
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX in XXXX, TN filed suit to collect a debt allegedly owed to Republic Finance m or about XX/XX/XXXX. I was not served or provided notification of a case or a debt held by the agency. A levy was subsequently laced on XX/XX/XXXX. I have contacted the agency, and advised that no notice was left at my residence, nor was any notice received. The biller has refused to provide a detailed transaction summary, verification of debt, or detailed balance. The original biller, Republic Finance did not provide credit for financed insurance policies, and declined to honor a XXXX XXXX XXXX claim requested in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter explaining that there are wrong and unknown things on my credit report. It has been over 30 days later and I have not received a response yet. I feel like i am being wrongly treated and ignored of my disputes. from my understanding 30 days with no reply gives a reason to remove those items from my credit report it has been over 30 days so they should be deleted right away. I demand these accounts be delete immediately or I will file for a case due to the pain caused. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: TRUIST FINANCIAL CORPORATION
State: WA
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 refinanced my home and my broker advised that I should be not paying XX/XX/XXXX mortgage payment because it will be closed before the end of the month .They did not want me to wait another 30-60 days to get a refund since all documents were processing. Suntrust Bank was fully paid on XXXX XXXX. They were paid in the month of XXXX. They reported me as late in mortgage payment for that month. That is unfair and incorrect. They are paid in the Month of XXXX. I should be late if I paid them in XX/XX/XXXX. I called them and they were rude. They were not happy that I left them and I felt discriminated as well. The gentleman on the phone would not help and remove Late Mortgage Payment. He dismissed me quite fast. 
I talked to my broker and they verify that I was not late .All the documents show that they are fully paid in XX/XX/XXXX. As a senior citizen I made all my mortgage payments on time and prompt. My credit is hurt because of them not helping to remove this incorrect issue.

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