BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-24
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
the chase bank is been charging me dobble triple and some times five time for the same thing specially when using the ATM no mater if using the chase or different is the same still charging more.

i been trying to make a solution to this problem but still the same when i call to report most of the time answred a lady in another country and said she not understand me is to hard to understand, i schedule an appt they told me he is not going to waist his time to review with me all the receives i have. 
i been contacting the consumer report here in the state of Arizona but they told me is a federal institution and i have the email, for the reason contact this consumer financial with the hope find justice. 
the times when i been calling the chase bank requested the something to called the other part to see if they can fix the atm machine but chase employ told me cant give me the information of the facility is charging me, when i reported the fraud on those payments they putt my money back in my account but and i received a letter saying the investigation it was on my favor but after one week they recovered the money and charging me 3 times more please i need a hope or some information who can help me. 
and sorry for my ignorance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MN
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
hi. i have loaned money from ace cash express several times in the past 10 years.i understand that your company has settled a financial agreement from this company.please get back to me about this matter.they charged me an excess of interst, probably more than legal limit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I was giving a check from my brother in law. He wanted me to deposit the check into my account. Since i know he does n't have any deposit account. Before I cash the check, i went to the person that wrote the check and make sure it was n't a fake check. Everything was good. I deposit the check into the ATM. My brother in-law sign the check, since its under his name. I did n't. A few days later i notice my account has been closed. First they accused me of FRAUD. When its not true. The check is 100 % legal. After a few days of investigation. They say they closed it due to me not signing the check as well. The owner of the check went to chase branch to face them that its okay for me to cash the check. I was n't aware i had to sign the check as well. I thought im already giving permission by depositing the check into my account. I very honorable lady. I asked them if they could give me the check back and i will sign it. I was n't aware of the signature. Im sorry of my .mistake but i did n't know i had to sign the check as well. Please help me. Im searching on possible ways to resolve this problem. im not a delinquent. That 's why im doing everything i have to do to clear my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I opened my checking account with Chase on or about XX/XX/XXXX and I paid extra to have a line of credit as overdraft protection. I 'm also in the XXXX and have had difficulties getting the automatic deposits on time so in the past year I have had overdraft fees because the line of credit had been near the maximum. Luckily after explaining the issue, Chase has refunded XXXX of the fees. In order to avoid this problem, I saved up and paid off the line of credit of my overdraft protection so that in case something happened and I went over the limit the line I would be protected. My line of credit has been paid off for 3 months now to protect myself. 

This Monday ( XX/XX/XXXX ) I made a credit card payment knowing that I would go over the limit but trusting that the line of credit was empty and would protect me. I was shocked to find out that chase had cancelled the line of credit overdraft protection without telling me. 

I called Chase and they told me that they discontinued the line of credit and that the only protection I could have was by opening another account with them. I told them I did n't want a new account but I wanted the line of credit I had paid for and have had for years. They said that I can only open a new savings account. I told them that they should not force me to get a product I do not need or want because that is what got XXXX XXXX in trouble. They told me it is company policy. 

I told them I was a military member and that I would file a complaint for this unnecessary upselling. They told me to do as I wished.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Repeated attempts have been given to, PORTFOLIO RECOVERY, to cease and desist communication and remove negative reporting on my consumer report. They have refused notice to communicate and negative reporting. They have also failed to provide accurate information or proof of debt. I have disputed with the credit agencies and they have also refused to adhere to my request to remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: CORELOGIC 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: Public record information inaccurate

Complaint:
The Credit reporting agency is Reporting inaccurate dates on a chapter XXXX I had. XXXX chapter XXXX was discharged in XX/XX/XXXX and for some reason they have changed the discharge from XXXX to XXXX. 
I have had 3 way call with the XXXX Ga. Federal Bankruptcy Court who acknowledge to the reporting agency that they had the wrong discharge date and it is XX/XX/XXXX but the reporting agency still did not Correct the dates like they said they were going to.

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 2017-08-15
Company: Commercial Recovery Systems
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received a voicemail from the telephone number XXXX and this is what it stated " Hi this is XXXX XXXX calling with the Department of Civil Processing here at XXXX XXXX XXXX. I 'm calling for ( my full name ). ( My first name ) This is your final notification regarding case number XXXX. Now due to your negligence to respond and attempts we have made to contact you, the Department of civil processing is now deemed you non-compliant in our district policy at this time you will be placed on a schedule for your hearing. We hearing back later at ( my address ). You will have to sign for them and appear. Any questions or concerns I can be reached directly at XXXX. '' This is the 2nd voicemail this week from different number and I also received a text message with my ssn from an XXXX number, stating I was going to have legal actions against me. This is becoming a weekly ordeal as well as they are calling members of my family by getting their phone numbers from online.

Company response to consumer: Untimely response
Consumer complaint received 2022-05-24
Company: EQUIFAX, INC.
State: MA
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:
Late payments are being illegally and inaccurately reported on my consumer report. I've contacted them to have this removed and it has not been removed. This is causing me extreme stress  and frustration as they can not be trusted. They are damaging my character with this inaccurate information reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: Nationwide Credit Corporation
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Nationwide Credit Corporation refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( XXXX ) XXXX business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XXXX for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: EQUIFAX, INC.
State: OH
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:
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigation AND THE ACCOUNTS ARE NOT MINE! 
Account Number XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX/XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX, XXXX XXXX GEORGIA XXXX  XXXX XXXX GEORGIA XXXX XXXX XXXX GEORGIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX, These Companies 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 2022-05-24
Company: XOOM CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I routinely make a small dollar money transfers to my husband ( about every two months ) to his XXXX XXXX XXXXXXXX account from my XXXXXXXX XXXX XXXX XXXX XXXX XXXX account using XXXX The money usually posts within a few minutes. However, my recent transfer stated delayed and a message that it may take up to three business days to post. I called Xoom about the delay and they stated they would send an email to me and to respond to it by sending a screen shot of my account showing the last four digits of my account, the XOOM amount debited from the account and a positive balance and that they would then manually credit the transfer. I was able to send them a screen shot showing all that was asked for. I later received a second email stating to send the info again. I re-sent the info again and even highlighted on the screen shot each item they specifically asked for in their email. I then received a third email stating, they actually needed the bank statement. It appears they are purposely giving me the runaround and delaying the credit but continuously asking for items, and when provided they ask for more items which makes no sense. The first and second request from XOOM clearly stated what they needed and did it state a bank statement. Also, they know very well that a customer bank statement will not have a recent transaction on it, unless the statement cycle has ended and the transaction is captured for the statement cycle. Its clear that they are purposely giving customers the runaround when there is a delay in crediting their funds. It is especially upsetting when I have provided exactly what they asked for and they keep sending emails pretending to not have received what I sent, and asking for it again and later asking for something totally different in a third correspondence knowing that it can not be provided just by the nature of how the banking process works with statement cycles. I am fed up. I dont like the tone in the third email as its clear they are playing games with the customer. My transaction is low risk as I have transferred to and from these accounts for years with Xoom and so what they are doing is ridiculous especially since I complied with their requests. If they request info, and the customer provides it and later they request more info not originally asked for but clearly only to continue delay the transfer, thats a problem and needs to be addressed. Especially since it appears to be a delay tactic. Initially my {$200.00} transfer was to credit on XX/XX/XXXX that has changed to XX/XX/XXXX. The original transfer was made on XX/XX/XXXX and normally it credits that same day or one business day later. I have provided exactly what they needed to get the funds transferred and avoid the delay. However, on in its face, it appears they are unreasonably delaying and giving customers the around.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/2016, I went to a CHASE ATM located at XXXX XXXX XXXX XXXX, XXXX FL XXXX ( ATM Term ID XXXX. ) I went there to deposit {$1000.00} in cash in {$20.00} bills. The first {$600.00} went through perfectly, but for the remaining {$400.00} the ATM took in the cash and then displayed an error on the screen, telling me it was unable to put these {$400.00} into my account. It also said I should call a number to fix this problem, and indeed I called this Chase Customer Support number and spoke with a woman. This lady said that a temporary credit of {$400.00} would be applied to my account while the ATM error was looked into. Roughly two weeks later, I received a letter from CHASE stating that my claim was indeed true and the ATM had a problem as I said, and so the {$400.00} credit previously applied became permanent and I thought this was over with ( Claim ID : XXXX. ) Around 4-5 days later, I was notified that the {$400.00} had actually been taken away from my account and I was overdrafted, even though my claim had gone through and the money was meant to have been given back to me. I called customer service again and they said my previous claim had been denied by the bank ( even though I had received a letter stating the opposite from them before ), as they said the {$400.00} I previously failed to deposit on XX/XX/XXXX were never in the ATM to begin with. I am thus demanding an investigation of this issue, as someone clearly took those {$400.00} and I am being denied the {$400.00} credit of my account. The events I described as the truth and I testify that on XX/XX/2016 I deposited those {$400.00}, but it was the ATM that was at fault. I would want them to check the security footage or anything else at their disposal to prove that the ATM took my {$400.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-06
Company: EQUIFAX, INC.
State: IL
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:
Refusal to XXXX XXXX XXXX own agreement. Exhibits 1 thru 5 attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: Alabama Housing Finance Authority
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
For two years in a row now, my mortgage company has paid my homeowner 's insurance late prompting the insurance company to issue a cancellation notice. The mortgage company then responds with a threat that if no insurance coverage is active, new coverage will be purchased at an astronomical expense to myself. This year, the lateness of the payment has also incurred late charges for which I will not be responsible. The company is based in Alabama and is called ServiSolutions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-09
Company: Hauge Associates, Inc.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Someone from a phone number listed as XXXX called me on back to back days and I answered the second time but they would n't say who they were with she only would say her name, " XXXX XXXX '' and " it 's regarding a personal matter '' but offered no other information. 
They need to be upfront that they are actually a collection agency which she did not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Certegy Holdings, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2022 around XXXX XXXX, I purchased a XXXX for {$300.00} at XXXX with a personal check. The check was declined by Certegy ( XXXX ) a third party that XXXX uses to ok checks. The phone system tells you your information is only on file for 21 days. I spent three days trying to navigate the telephone menu before I was able to speak to someone. I was told I would receive my information in 16 business days. That will be too late to file a complaint with Certegy. Certegy needs to be shut down.

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 2016-08-05
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have provided everything and we are being dual tracked. We respectfully request that the CFPB let the lender know that we have provided all of the information and we need the same date removed until the modification process has been completed

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 2016-04-09
Company: Rubin & Rothman, LLC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
Rubin & Rothman LLC ( R & R ) received default judgments on the basis of false and/or legally inadequate affidavits even though plaintiff and defendant agree to " reset payment date '' and not request default due to R & R online payment processing issues. The negative statement on my Credit report and misrepresentation by R & R attorney.

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 2017-01-31
Company: North Shore Agency, LLC
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX continues on sending me bills that I did not owe, until they hired North Shore collection Agency. I explained to XXXX several times that I transferred to XXXX XXXX on XXXX XXXX, 2016 before XXXX took over XXXX, and that I fully paid XXXX. I gave XXXX the service discontinuation reference number from XXXX, but this did not work. I spoke several times with XXXX ' representatives and was transferred to different departments/phone numbers but nothing works.

Company response to consumer: Closed with explanation