BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-24
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card
Issue: Convenience checks

Complaint:
Statement of Facts : 1. Chase Freedom Card offered me " Access Checks '' to pay off another credit card. 
2. I called my other credit card company and asked if I could pay with this method, they said yes. 
3. I used the check accordingly. 
4. After a couple of weeks I called the other card company to check and see why the payment had n't posted. 
5. The other credit card company said that Chase had n't released the funds yet and asked me if I wanted them to run the check again if there was an error or something. 
6. I told the other company to wait until I could talk to Chase. 
7. I called Chase and told the representative what I was doing and he said that it was ok and to try again. 
8. I called the other credit card company back and told them to run it again if there was an error. 

Summary of the problems : Chase returned the check twice even though my available credit was greater than the check amount both times. This subjected me to XXXX {$27.00} check cancellation fees from the other credit card company. 

Chase needs to reimburse me XXXX fees totaling {$54.00} Even after explaining to Chase that I had called Chase to clarify the situation after the payment was delayed but BEFORE any return check charges were incurred, they were unwilling to help. The supervisor said that they can decline any payment for any reason they want at any time and that there was nothing that anyone could do about it because they reserve the right to review all payments. 

I asked if there was anything in their terms of service that excluded my method of payment. Her words as close as I can remember, " It does n't matter if our terms of service does n't say you ca n't. There is nothing in our terms of service that says we allow you to do it that way and that is more than enough. '' This is patently false and in fact the exact opposite of the purpose of terms of service. TOS in it 's simplest definition is not designed to be an exhaustive list of everything you CAN do. Instead, it is meant to outline how the respective parties ' activities are limited. Chase is the worlds largest bank. If Chase 's Terms of Service, policies and procedures are not explicitly exhaustive in their restrictions, its length and specificity shows that it is clearly intended to be. 

Their TOS does not limit me from this activity. Chase declining to release funds did cause me to incur an actionable loss and de facto violates their own policies, terms and conditions. This is further evidenced by the fact that upon my complaint they finally wired payment to the other credit card company electronically, without my signature, and with out a physical check. 

It may be a good idea for supervisors to refrain from offering legal opinions on behalf of Chase Bank. It is my opinion that this person should be coached to that end however they can do away with that suggestion if they wish. 

As this issue is over a month my only expectation is to be made whole on my {$54.00} loss without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have previously sent ChexSystems 3 requests all via certified USPS registered mail to the mark on my file from XXXX XXXX XXXX, under the Fair Credit Reporting Act and Fair And Accurate Reporting Practices Act and all I received was copies of bank statement of the alleged account that they say belongs to me. Their letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification. 

I contacted XXXX XXXX XXXX and they do not have any proof that this account belongs to me. 

How can ChexSystems verify this information without proper documentation. Bank Statements do not serve as proper method of validation according to the FTC. ( 623. ( a ) ( 8 ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER ) ChexSystems has yet to correspond with me via mail and is in violation of several State and Federal laws. 

I have tried opening a bank account today and was denied because of XXXX XXXX XXXX showing up on my ChexSystem File. Accordingly, I can show a judge that these accounts meet the guideline for the removal/inaccurate and that you violated the Fair and Accurate Credit Transactions Act and several other rules and regulations, state and federal by ignoring my requests to investigate the items.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25
Company: Bliksum, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I thought I could trust LoanMe, so I did n't think twice about their rate of 99 %. But now I 'm paying {$800.00} on a {$10000.00} loan each month and it will take 3 or 4 years to pay it back. 

It jarred me when I found out from another loan shopper guy that 35 % is considered very high among thousands of lenders and that LoanMe 's 99 % is unheard of. 

Is n't this usury? Should n't consumers be protected?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: Global Credit & Collection Corporation
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS XXXX I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF XXXX I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: Credit Central Holdings, LLC
State: AL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
This is with Credit Central of XXXX Alabama, fell behind on loan and can only pay XXXX biweekly, yet company continues to call my job after my manager and i both asked not to call. XXXX store manager advised if i paid my bills they wouldnt call with a very nasty attitude. This company is not professional and very belittling to clients. Since they are not governed under FDCPA, they feel they can practice like this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, 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: Account status incorrect

Complaint:
There is a delinquent amount reported by XXXX, Equifax, and XXXX the company reporting the late payment is XXXX XXXXXXXX for the Month of XXXX XXXX I have not made any Late payments and I have disputed this matter with the Bureaus. I have requesting documents supporting theirs decision and the companys lies have failed to respond with supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: Rushmore Service Center, LLC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is my XXXX submission. This is not an issue for the FTC. It is a violation of the FCRA Section 623 ( a ) ( 1 ) ( a ). I settled this debt with Rushmore for my XXXX card. I disputed it with the credit bureaus..they sent the dispute to XXXX XXXX and they simply applied the settlement to the balance and left a balance on my credit file. This is willful negligence of compliance with the Fair Credit Reporting Act. CFPB is an entity that enforces these violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited my refund check from the IRS. My bank, USAA, put an 8 day hold on it with no notice. I set up auto-payments for rent, bills, etc based on receiving my refund. Now all of my bills will bounce and I will incur NSF fees, despite having over {$1500.00} in that account. I now have a {$0.00} available balance, despite the money from the IRS being in my account. I have been a customer for over 17 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-20
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Schlee & Stillman , LLC is attempting to collect on a debt that I do not owe. They are threatening to garnish wages and sue me for medical billing I have never acquired at a hospital I have never been to. The last XXXX digits given do NOT match my SS #. 

I would like to have a cease and desist put against this company on my behalf. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have XXXX broken apartment Lease agreements ( not mine ) from my ex husband being reported on my credit I have sent XXXX letters asking them to be removed ( XXXX one in XXXX 2015 then every 45 days following ) and sent attached copies of my divorce etc ... They refuse to investigate or contact the leasing company to verify this info so I am at a loss of where to turn ... .The leasing co are XXXX XXXX XXXX and XXXX in XXXX XXXX Texas

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was given a loan modification XX/XX/2015 and my mortgage payment was never lowered. My financial circumstances have changed drastically and I reapplied and was denied. No reason given.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: John C. Heath, Attorney at Law, PLLC
State: PA
Product: Other financial service
Sub-product: Debt settlement
Issue: Disclosures

Complaint:
I spoke with XXXX at Lexington Law, I asked for a refund because the work was not completed. I paid before any work was done. I also was not told that I can do this work on my own and dispute on my own.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-11
Company: Receivables Performance Management, LLC
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Today on XXXX XXXX, 2016 I have received 3 phone calls from Receivables Performance Management. Every time I answer my phone, its dead air and they are not speaking. I call back and got disconnected on more than 6 times. I placed a cease and disease on my account to stop contact me because of the harassment number of phone calls in one given day. After I placed the cease and disease on the account I received another phone call from Receivables Performance Management.

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 2016-01-22
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
PennyMac purchased my mortgage and has repeatedly refused to allow me to opt out of PII sharing. I have notified them by phone and in writing of my intent, but they have refused to provide me an e-mail address that would allow this to be properly documented. PennyMac 's actions are a violation of this US statute : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: Ditech Financial LLC
State: VT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Greentree servicing fabricated a mortgage note in a foreclosure action against me. After many attempts to view original wet ink note i was finally allowed to do so last week. I have proof that it is fabricated. This will be addressed in our pending litigation. Additionallt Greetrees errors and negligence caused the alleged default and after repeated Q.W.R. and disputes still has failed to correct it. Their fraud should be prosecuted

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I have submitted several request to Barclays bank as to whether they are FDIC insured or not and up to what amount. They continue to give me the run around and to send me an invalid link to check to see if they are FDIC insured. I do not understand if they are a full regulated bank whey they do not know themselves if they are insured or not?

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 2017-02-14
Company: BB&T CORPORATION
State: FL
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
XXXX unauthorized transactions in my BBT account XXXX Checking {$1500.00} to a XXXX XXXX Savings {$7000.00} to a 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 2015-07-21
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Account Resolution Services has XXXX medical accounts in collection that are reporting on my credit report. I do not believe that these account are mine and requested validation of these all XXXX medical bills. Account Resolution Services has failed to provide me proof that these medical bills are mine. I want to see my signature that I was at a hospital and I want to see where I signed a HIPPA agreement. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: SCA Collections, Inc.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
paid for this bill to XXXX medical center for six year or more years! then stopped billing me, and turned over to collection agency filling on my credit!! this is a six and one half years old and I never missed not XXXX payment! this was all caused from a insurance company I paid for fifteen years did not pay a bill they approved with hosp. and XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was denied credit so I pulled a credit report. I found that the company ERC placed an account on my credit report that I have no knowledge of nor was I notified before it went into collections. This is a violation of the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-06
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a FHA loan and I called Wells Fargo to see if I qualified for the XXXX program and was told that I did n't because I did not have a XXXX or XXXX original loan. Also that I did n't get the loan before XXXX of XXXX. I have had this mortgage since XXXX XXXX. The last time I refinanced was in 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 2017-01-04
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
On XXXX, I wanted my XXXX score from EQUIFAX and was willing to pay for this. I ran into convoluted procedures indicating that, I first had to sign up for credit monotaring with opportunity to cancel within 30 days. I proceeded but did not receive any report. I called them to cancel and as assured that '' it was cancelled. However, XXXX {$4.00} charges showed up on my XXXX bank statement ( which I will dispute, of course. Reading the XXXX, I seem to be a victim of a common manner of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have disputed with Equifax several times and each time they have given me proof on how they verified or validated the accounts that I have disputed. I have requested original documentation with my signature on it and they have not done so. Under FCRA LAW I have the right to request that information and they are not allowed to report any item on my credit report that can not be verified with the original contract with my signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: EQUIFAX, INC.
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I 'm a US citizen staying in XXXX, and because of a recent burglary, my identity was stolen and used. I was advised to report this to the credit bureau, Equifax through the phone. I called the Equifax number : XXXX but the automated system does n't take foreign address or phone number. It requires me to mail in my request and that will cause delay to set up the fraud alert.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-18
Company: Atlantic Recovery Solutions LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX @ XXXX at XXXX XXXX XXXX, XXXX NY, has made repeated belligerent and aggressive phone calls to my elderly mother who is in poor health. She is subsequently confused, annoyed and upset and we wish for this to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: National Principal Group, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
Called old family members threatened them and advising they Ned to pay XXXX debt or all will be arrested. Called XXXX and XXXX after repeated notifications to send all correspondence by mail

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: High Point Asset Inc
State: WA
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I keep receiving phone calls on my company cell phone and my company landline relating to a debt owed. I am unaware of this debt. Today the automated number called a coworker 's land line. I have requested proof of the debt XXXX times now, and it has not been delivered once. I will not pay until a validation of debt is sent. They continue to harrass me and will not provide the validation. I have read online that it is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
rec'ed Letter dated XXXX XXXX on XXXX XXXX : From : WELLSFARGO Bank 'EMPLOYEE ... XXXX XXXX the letter she sends dose n't reflict any case number from cfpb ...? ; and this Employee dose n't give and direct phone number to contact her? 

fine attachments of the letter mentioned in the complaint dated this day XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: Machol & Johannes, LLC
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Same case from case number XXXX. They have stopped since XXXX and are now again resuming their garnishment NOW with my employer. The documents sent by this company never showed my application to the firm client, there was no balance on it and the entire account was already charged off in XX/XX/XXXX. Please let Machol and Johannes LLC stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I was putting my information in to Experian for my free review. Once I submitted the information the site stated that they had a technical issues and for me to exit the site. I was n't given the chance to review the results later or through the mail. Even though it was an error on their side, because I attempted to get the results I have to wait a year for the free report again.

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 2017-02-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
In the process of submitting my request I was told by both XXXX and experian : " something happened and we are unable to process your request. ''

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