BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: NJ
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account XXXX XXXX, has 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 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 2022-05-19
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:
Im accordance with the Fair reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, U S DEPT OF EDXXXX XXXX XXXX, XXXX # XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2017-02-03
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card
Issue: Application processing delay

Complaint:
Chase is currently offering an introductory promo for their new Chase XXXX XXXX card. The double bonus can only be offered if I apply through a branch, and is honored until XXXX XXXX. I have made numerous appointments with bankers at our local branches, even taking time away from my own job, costing me time and money. I am repeatedly getting an error in the branch while trying to apply through their in-branch system. I ca n't even submit the application. No one has any update for me, except for it 's a " known issue ''. In my previous experience as a Chase employee, that means they know but do n't have a solution. 

The issue I have is that my girlfriend came with me to apply for her own XXXX XXXX card. Her application went right through, and got approved. They ca n't even submit my application. I 've spoken with off-site supervisors of the credit card support team ( via XXXX ), and asked if I could apply online and they go back in and reward me the extra points if approved. They said there is no way. 

Are n't there regulations regarding making the same options available to all applicants? All are allowed to apply for credit. When I was a Chase banker, I could n't discourage any applicant from applying, no matter the circumstance. They will not accept my application without me forfeiting what equates to {$750.00} in travel when redeemed through their offerings. 

Please help me deal with this, CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
At XXXX XXXX XXXX my checking account w CHASE had a positive balance - I checked. When I woke up in the morning I was negative, charged XXXX insufficient fund fees ( XXXX X XXXX ) = {$64.00} for an overdraw of ( XXXX ) {$140.00}. Within hours I deposited cash and my account was restored to a positive balance. Chase has a policy if funds are presented before XXXX the same day, no charges are incurred. However, CHASE has refused to return the fees charged. I was given XXXX reasons : 1 ) i had used my XXXX courtesy fee reversals, 2 ) The funds needed to be in the account on XXXX XXXX. It was unfortunate for me a XXXX party failed to contractually deposit funds on XXXX XXXX ANd CHASE fails to care whether XXXX of the XXXX reversals were the fault of the bank. CHASE claims they provide all of these online tools to make sure consumers do not incur fees and make their experience better. However they failed to present me with any information ; they did not show these XXXX charges as my pending charges when i checked the status of my account at XXXX. They say they cant. How was I supposed to rectify the problem? Most importantly, i believe charging XXXX Dollars for covering XXXX Dollars for less than XXXX hours is pure usery and a violation of their fiduciary responsibility. Why this fee structure is not scaled is beyond me. Why I am paying over 70 % interest for a transaction that cost the bank pennies needs to be examined by CFPB. This is not about their XXXX XXXX XXXX this is about ethics and the spirit of the law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-22
Company: Southwest Credit Systems, L.P.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive contacted XXXX XXXX XXXX about this debt they are trying to say i owe. They havent responded to me at all. i dont know what else to do. This is the third time i request a response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
I feel behind on my credit card bills due to economic hardship XX/XX/XXXX/XX/XX/XXXX. I reached out to Chase not to settle for less than the full balance but releif from huge payments and an inflated intetest rate. I enrolled in their economic hardship program that had a low fixed rate and auto drafted my monthly payment. Each year they required me to re-up my autodraft payments. A month before I would get a notice to prompt that is was about to expire and I would call Chase and get the next year taken care of. XX/XX/XXXX I got a statement telling me I was late and when I called becuase I never received a notice they told me they did not need to send notices. I tried to explain that I had received them for the last 4 years and asked why they stopped sending them when I was 2 payments away form completely satisfying the balance. They could not find record of sending the notice. I spoke with a manager and they assured me it would not show up as late, but to my suprise they lied. I tried to dispute the account but they were unwilling to assit. The shame in all of this is that I could have settled for less than the full balance but chose to pay them everything in full. I made every payment ontime and then due to their internal system did not get the notice that the current auto draft cycle was ending - my credit gets knocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Today, XXXX/XXXX/2016, I went to Chase Bank Branch XXXX in XXXX, Texas to make a deposit on behalf of my employer into THEIR account. The deposits consisted of XXXX check, {$200.00} in cash and {$.00} in cash. 

I was asked to supply MY ID for the cash deposits. I 'm sorry, this is not MY personal business account, this is my employer 's business account that I am doing the daily deposits to on THEIR behalf. 

I am not and should not be placed in a position of being responsible for the veracity of the cash submitted for deposit. I am simply depositing funds from the previous day 's transactions. 

My understanding is that the US Government requires identification to be provided for transactions exceeding {$10000.00} to combat money laundering. However, this was not a transaction to or from MY accounts, nor was it in excess of that dollar amount threshold requiring identification. Myself and my employees at my location should NOT be forced to provide identification that is logged in connection with our employer 's account, EVER. This is a ridiculous policy on it 's face and invasive overall. 

Should the money be flagged as having an issue ( counterfeit, used in something clandestine, etc ), an employee making a deposit on behalf of their employer should NEVER be tied to that account in any way, shape or form.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02
Company: JPMORGAN CHASE & CO.
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
On XXXX XXXX, XXXX Chase Auto Finance was asked to substantiate a claim for an auto loan on a XXXX XXXX XXXX by providing a true and certified copy of the complete audit trail of the account. A copy of the company 's tax registration certificate was also requested. In response, I was sent a copy of the account statement. I sent another letter on XXXX XXXX, XXXX reiterating the original request and, to date, I have not been given a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: WELLS FARGO & COMPANY
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
We reported it as a scam. They said they would look into and there was nothing they could do. The reported it to the other persons bank and said maybe they would do something but they never did and we never heard from them. it was a fake 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 2022-05-19
Company: EQUIFAX, 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:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like XXXXm being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: CITIBANK, N.A.
State: TX
Product: Other financial service
Sub-product: Debt settlement
Issue: Customer service/Customer relations

Complaint:
Received faux notice stating " your XXXX XXXX XXXX account is over 90 days past due in the amount shown above, excluding any disputed and is scheduled to be cancelled and submitted for salary offset. The travel and transportation reform act, public law 105-264 of 1998 and CFR posts 301-76 authorized us to offset up to 15 % of your disposable pay "

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2015 in the am, I went in to my local Chase Bank branch to cash a payroll check. I asked the teller if there would be a hold on the check and if it was more than 2 days I would rather go to the bank the check was drawn on and cash it with them. She advised me that there would be a hold until the morning of XX/XX/XXXX. I explained that I have children and need to pay necessary bills and get food and wanted to make sure it would be available. She assured me it would and circled my receipt showing it would be available on XX/XX/XXXX. Today, XX/XX/XXXX, the check is still on hold. I called the bank and they told me the check is now on 7 business day hold until XX/XX/XXXX and would not give me a reason. I called the bank the check was written from and they said it should have cleared and Chase paid in 2 days. Chase is now charging me NSF fees for items coming through. I have XXXX accounts with them and XXXX of them is now negative and I am unable to transfer funds to bring it positive. They are charging fees in that account now as well. This has caused a hardship. I could have just cashed the check and had the cash to deposit if they would have been truthful about the process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
An Account Representative Helping Me open a checking and savings Account, disclosed and abused My Private Personal information, and that of my Child, as well as contacted Social security My behalf without my consent, and given access to My Account information. 

However, I 'm a victim Of identity theft, My SSI XXXX monthly income affected, stopped a abruptly, I 'm XXXX sick, Over this, I have had a XXXX. I have XXXX, this affected me greatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have tried over and over for Citi Mortgage to give me a modification, they do n't play fair. I send them the information and they state that they do n't get the documentation and when they do affirm that they have received the documentation, they claim I do n't have all of the or I 'm missing some paperwork. This has gone on since XX/XX/XXXX and this is XX/XX/XXXX four years I 've had to deal with this company, every couple of weeks they change representatives so I have to start over with the paperwork. Each new representative states that I have re-send the same information that I 've already sent in. I have called and called trying to get the HARP, finally they did n't approve the HARP now I have sent in information for the HAMP, this time I sent the information with a content page so they ca n't say I did n't send every document. Now they are starting all over again with new representative and stating they have not received the information/documentation. 
They usually say call them, when I do, you ca n't speak with the person who is the representative on the letter they send. I leave a message but they will not call back. Each time I call I get someone one new. Now, I have had to file bankruptcy because they will not allow me to get an modification to ease the monthly payment. At this point I am tired of contacting them, they are not FAIR with their customers. The mortgage company keeps this up so they can file foreclosure and take my home.

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 2022-05-19
Company: Experian Information Solutions Inc.
State: NJ
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:
I sent my letter off on XXXX XXXX. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX, Tracking # XXXX, and tracking # XXXX. According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate.

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 2016-07-22
Company: CITIBANK, N.A.
State: OH
Product: Prepaid card
Sub-product: Other special purpose card
Issue: Advertising, marketing or disclosures

Complaint:
I was issued a promotional prepaid card from Citi Bank. It was not clear to me that on the " good through '' date on the card the funds would " disappear. '' My understanding is that I would have to obtain a new card.

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 2015-08-27
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Delinquent account

Complaint:
I opened an in-store credit card at Macy 's XX/XX/XXXX and was told at the time that my account and payment information would come to me by mail along with an account statement. I never received the documents and when I called to inquire I was told I could pay over the phone and that the documents would be resent. The balance told to me over the phone did not match my receipt so I requested to have a statement provided to show the individual items for which I was being charged. I was informed that until I received my account information in the mail that I could not create an online account to access this information and that the only way for me to receive it would be through mail. I was also informed that the late fee I had incurred would be waived so that I would not be hurt by this transaction. The follow up documents never arrived and Macy 's posted a 30 day late payment on my credit report. The fact that they would not provide documentation on my balance before requiring me to pay seems very unfair. I have since paid off the balance in full, including the added late fee, in an effort to limit any further harm to my finances or credit history. 

To this day I have yet to receive any documents, I still have not even been provided with an account or card number. 

I have an otherwise perfect credit history. Given that I reached out to Macy 's in order to rectify the situation and that they did not allow me to do so in a reasonable fashion, I feel unjustly harmed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-23
Company: CITIBANK, N.A.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My fiancee lost his job, and we have been reduced to one income. I have tried to set-up payment arrangements, several times, via email. I work full-time, and also own a bookkeeping business on the side, and do not have time to sit on the phone to for a half hour to try and talk with a customer service representative. My first time I reached out to Sears/Citibank letting them know I was having issues paying my bill was XXXX. It is now XXXX, and after several emails asking for someone to respond back to me via email ( and explaining my busy schedule situation ), I 'm now in collections and getting phone calls every two hours literally every day. The phone calls are automated and are never from an actual person. This is absolutely ridiculous and not professional. I am extremely frustrated that even when I did email about wanting to work out a payment plan I even got automated responses back to my emails. Sears/Citibank customer service seemed like they did n't want to work with me in regards to a payment plan, and/or my extremely busy schedule. They did not offer any option to work out my debt except to call them, which I told them SEVERAL times did not work for me. I am now in collections, my credit score is dropping, and I am NOT HAPPY! Sears/Citibank 's website even says there are payment arrangements available, but when I look for them on the site, they are n't there!

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 2017-02-09
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
Had a FHA Mortgage with Chase ( XXXX ) I did a Loan Modification with them in XX/XX/2013 in which only about XXXX weeks ago thru a payoff request that I understood that they did a second mortgage on me and remitted amount to XXXX. I am upset and feel like they did not upon approval of loan modification tell me what the product was on how it was going to impact me, Furthermore the XXXX XXXX Department there told me that the XXXX that was separated from my primary and setup as a second mortgage was Satisfied and that I did not owe any amount from the original amount of the loan and assured me that the remaining XXXX was the only debit we had. XXXX never disclosed to us who they were and what portion of my original loan they had. So I want to go after them with a NON Disclosure Act. Can you assist me?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of Identity Theft and my plead for help has been ignored by Discover. There is a fraudulent account by Discover on my credit report that is NOT MINE. I MAILED my official Identity Theft letter, proof of ID, and supporting Police Report from the XXXX to Discover on XX/XX/22 via XXXX XXXX Mail, they have not responded or confirmed my communication and continue to report this fraudulent information to XXXX, XXXX XXXX XXXX. This is currently causing me and my family financial damage, hardship and defamation of character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-28
Company: JPMORGAN CHASE & CO.
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Chase bank has hit my credit bureau twice in 2 months without my approval. I called them. they said I applied for credit cards. I informed them I did not. and do not want a credit card. they would not delete the inquiries from my credit. told me to contact credit bureaus which I did. XXXX said to contact chase and ask for letter of deletion. I have not received any help from chase. I 'm afraid they will continue to hit my credit without my approval. I want them to stop accessing my credit. 
I had fraud alert for past 90 days and yet chase was able to access my credit without my knowledge.

Company response to consumer: Closed with explanation