BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2016-11-24
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I applied for a 20 year mortgage refinance from Chase bank. I have excellent credit, and a 15 year work history as a prosecutor, in house counsel, and sole-practioner. The original mortgage has never had a late payment. The underwriting process dragged out for months even after I supplied all necessary documents, and I was eventually denied credit by Chase. The appraisal for the property came back {$380000.00} and the amount of the loan was to be {$200000.00}. I have never had a late payment on any account including the current mortgage for the last 10 years. I am damaged because the underwriting process took far too long ( well past 30 days for the decision ) and interest rates have now gone up. Additionally, there is a credit inquiry on my credit report from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: Netspend Corporation
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
NetSpend has locked my account due to the fact they said I used my password 6 times I missed it and that is not true because it was downloaded in XXXX and all I do is push that square and everything will come up they wouldn't let me in because I had two checks for {$250.00} that I need a cash to cash the first one but they wouldn't cash the second and they're both in my name and their from social security

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 2015-11-02
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card
Issue: Balance transfer

Complaint:
I have tried to send a response to Chases resolution for two weeks and your server will not accept the message. When I push send the circle goes around for 10 minutes saying sending and then quits and says to long, log outChase did not refund the {$3500.00} I paid with a check from my XXXX account that I found a record of. 
This is what they called RELIEF Transferred payment to Checking Account $ XXXXYes that was correct however in the fine print they charged a debit to my Chase Freedom Account for that same {$3500.00} +said I would owe them interest from XXXX XXXX when I made the payment on my freedom acct. 
1. XXXX XXXX, 2015 I wrote a balance transfer check to my Chase Freedom Account. I went to XXXX different branches of Chase and asked them to send me a check or put the money in my checking account because I meant to pay off my XXXX XXXX XXXX which I was cancelling. I had just heard that my best friend of over 30 years has XXXX which put me under duress. 
2. Both bank officers went through my checking account and said no checks had been written for {$3500.00} so I could n't have paid that amount on my Freedom Card by accident. 
They said it must have been a bank error and so they did a XXXXreversal and took my {$3500.00} XXXXout of my Chase Freedom and kept it. 

3. I have my statement from XXXX that on XX/XX/XXXX bal xfr Chase Mastercard/Visa {$3500.00} with a bal transfer fee of {$100.00}. 
XX/XX/2015 BAL XFR. CHASE XXXX & XXXX $ XXXXAccount DetailsCiti Simplicity ( R ) Card-XXXX Current Balance : $ XXXXCurrent Balance : $ XXXXTotal Credit Limit : $ XXXXAs Of XX/XX/2015 : $ XXXXMinimum Payment Due

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a custodial account at Chase in 2010. The account is for the benefit of my adult son who receives Veterans Administration and Social Security Benefits payments. My son is a XXXX of the United State XXXX XXXX. I am by written agreement the VA Federal XXXX and I am the XXXX Representative Payee. I have had use of the Debit card associated with the custodial account since the account opened. THE PROBLEM IS THAT : Chase terminated the debit card, effectively restricting access to the beneficiaries funds. I can not pay his cell phone online. His gym membership, which is paid through the debit card will not be paid. I now only have access to pay his bills by paper check, money order, cashiers check, ACH or cash. I can not use cash as the paper trail is lost. In today 's world checks are not adequate to pay online transactions or accepted at many institutions. Therefore many areas of commerce are not available for me to utilize to provide for my son 's financial needs. I have approached Chase up through their Executive Office and I have been denied the debit card. Again this is the debit card that I have been using for four years. I am the authorized user of this custodial account, my son has no access to the custodial account. I transact the financial business for my son. Chase holds his funds and by denying the debit card Chase is denying access to my son 's funds that are necessary to take care of his financial needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I applied for and received a XXXX XXXX CHASE card recently. Yesterday I opened the envelope that held my new card. I then called to activate it and was told that someone made a charge on my card a couple of weeks ago. They told me that they would cancel the card I was holding and send a new card with a new number. I am appalled! How can someone find my credit card information before I 've even opened the envelope and activated the card? This is obviously an issue with XXXX XXXX CHASE. My information leaked out on their end and I am afraid to do business with them. How is it possible that my card was hacked before I even opened, activated or used the card?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My husband was issued an Amazon.com rewards visa from Chase bank that he had not requested. They would not give us any info on how the fraud was committed and were extremely reluctant to cancel the card. First I tried to call to cancel, but they said it had to be done by my husband. When he called, they refused to cancel it. They said it was now " under review '' and they would call him back later. First, why would n't they cancel it, second, if they wanted to conduct a review first, why could n't they tell me then ask for his info to call back to finalize. They wasted my husband 's time ( 25 min to get that answer ) and wo n't act on cancelling a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: JPMORGAN CHASE & CO.
State: NV
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Making/receiving payments, sending money

Complaint:
I went to get a check cashed for services I performed. They refused to cash it. Instead of calling the account holder, they told me to return it to them. This was at XXXX locations. They told me to put it on my back account, although it was a Chasemail account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
CHASE BANK HAS CRAMMED XXXX INSUFFICIENT CHARGES TO MY CHECKING ACCOUNT. CHASE HAS SCAMMED MANY OTHER PEOPLE. I WROTE A LETTER AND WILL MAIL IT TO YOU THIS WEEK.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: Westlake Services, LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I purchased a car from XXXX in XXXX 2015. Upon purchasing the car, it was unknown to me that the company was not in business in the state of Florida. In XXXX upon trying to renew the decal for the car, I was told the car had no owner. I reached out to XXXX XXXX who was the person I was interacting with upon the purchase. He gave me a number to a XXXX XXXX. Upon speaking to this individual I was advised he did not have any paper work in the car. After not being able to contact XXXX XXXX for some time, I reached out to the finance company which at the time was Western Funding. After speaking with their titles department, I was advised by XXXX XXXX, they have been investigating this company which was also known as XXXX XXXX XXXX for fraud. They had XXXX cars with no titles to them from this company. Their legal department was looking into this, but in the mean time, I still could not renew the decal for the car. After filing a report with the Florida State XXXX, I was able to renew the decal and I was also given the title to the car. The finance company wanted the title to the car, even after all the fraud that was going on with the car dealerships. They repossess the car. I still have the title due to it having no lender on the original title.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: CITIBANK, N.A.
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Received a demand letter FOR payment on a mortgage debt that was clearly DISCHARGED IN MY BANKRUPTCY FILING XX/XX/2014.tHIS IS OUTRAGEOUS THAT CitiMORTGAGE IS ALLOWED TO DO THIS WHICH IS A CLEAR VIOLATION OF A 93 A AND AGAINST THE LAW,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: Express Recovery Services, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
We receive a phone call from this collection company EXPRESS RECOVERY SERVICES Attorney XXXX XXXX XXXX ( who is the attorney for plaintiff ), trying to collect a debt from the University of XXXX  XXXX XXXX, and we try to arranged payments and explaining our situation being XXXX XXXX XXXX  with XXXX, the lady representative was not willing to negotiate and toll us that we needed to pay the full amount right away over the phone and that there was anything to do, adding that not paying will have bad consequences, and the next day we received the lawsuit from the Court ( which even was pre-dated : not having the date of delivery but an upcoming date/day ), the paper was deliver by a man rather than post office and given to our minor son, without requesting an adult. We don't considered it is fairly to sue us, when the financial crisis because of XXXX pandemic is not affecting only us but millions of people. I hope you can review our situation and find a fairly solution.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Upon selling my home XXXX PennyMac failed to refund my entire escrow account. Despite a letter from PennyMac stating they have {$240.00} for me all I need to do is tell PennyMac I want the money and they will send it they continue to hold the money. I emailed the documentation they requested to advise them I wanted the money and I have also called PennyMac twice yet PennyMac continues to provide excuses about why I have n't received my money. I have provided my current address on XXXX occasions yet PennyMac can not seem to update their system to reflect the proper address.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: Empowerment Ventures, LLC
State: NY
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Unauthorized transactions/trans. issues

Complaint:
Hi ON THE XXXX OF XXXX I WENT TO XXXX AND DEPOSITED {$840.00} ON TO MY PREPAID RUSHCARD ... .UP TO THIS DAY THE XXXX OF XXXX I HAVE YET TO RECEIVE THIS MONEY ON MY CARD FROM THIS COMPANY ... ..I CONTACTED XXXX AND THEY TOLD ME THAT EVERYTHING WENT THROUGH AND THE PROBLEM IS WITH RUSHCARD ... .I HAVE CALLED RUSHCARD FROM THE XXXX UP TO TODAY THE XXXX OF XXXX AND CAN NOT GET THROUGH TO CUSTOMER SERVICE..THEY ARE HANGING UP THE PHONES, ,NOT ANSWERING, ,LONG WAIT TIMES TO TALK O SOMEONE..ETC ... THE FEW TIMES I GOT THROUGH TO THEM LAST WEEK THEY TOOK MY INFORMATION, REFERENCE NUMBER FOR MY XXXX DEPOSIT AND SAID THAT IN 2 DAYS MY MONEY WILL BE ON ... ..STILL NOT ON MY CARD ... ..CALLED AGAIN AFTER THAT THE SAME EXACT THING ... YOUR MONEY WIL BE ON IN XXXX HOURS..UP TO THIS DAY STILL NOT THERE ... .I HAVE BILLS TO PAY, RENT, MEDICAL FEES, ETC ... NO ONE CARES AND NO ONE IS HELPING ... ..ON XXXX THE OWNER OF RUSHCARD ID ON THERE SAYING TO DM HIM AND EMAIL CUSTOMER SERVICE..I DID THAT MANY TIMES AND STILL NO RESPONSE ... .THIS IS BY FAR THE WORST POSSIBLE THING I HAVE EVER GONE THROUGH ... I WANT AND NEED MY MONEY ... .HE IS SAYING THAT EVERYTHING IS UP AND RUNNING BUT YET THOUSANDS OF PEOPLE STILL CAN NOT GET ACCESS TO THERE MONEY AND ACCOUNTS ... .JUST ENDLESS LIES ARE BEING TOLD ... ..WE NEED OUR MONEY NOW, ,AND W NEED TO BE COMPENSATED BECAUSE THIS HAS MESSED UP MY LIFE AND MANY OTHER 'S ....

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-04
Company: H. Kent Hollins, Attorney at Law, P.A
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
A check was written in XXXX of XXXX in Kansas at XXXX. I advised the company that I left the country in XXXX of XXXX. I am being garnished for this currently is n't the statue of limitations 7 years. I never received any information on it I did get a few phone calls in XXXX and then a letter from my payroll department starting this garnishment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: Empowerment Ventures, LLC
State: IA
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I have had no access to my money on my card for 3 days since they tried to upgrade, I have spent several hours on hold, with no resolution. They have sent out several social media messages saying the problem is fixed, or saying it will be fixed and as of this moment I still can not access my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-03
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Dear Sir/Madam, After reviewing this document : http : XXXX and being a victim of Identity Theft myself, I thought I would take some of the proactive steps to research and resolve the situation. 

I am writing today to ask Scottrade Bank provide me with access to my account so I can review the alleged debts and balances. Furthermore, I would like Scottrade to confirm what amount if any debt they allege to own. 

Scottrade previously claimed that I owe them money, but will not let me access to account to see the specific details.

Company response to consumer: Closed
Consumer complaint received 2020-12-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom it may concern : XXXX  is incorrectly reporting fraudulent inquiries that resulted from identity theft as a factual record of file access ( see attached credit report ). This is a Violation of Section 605 of the Fair Credit Reporting Act ( FCRA ). The aforementioned fraudulent inquiries Fail to meet the criteria of a factual record of file access. The fraudulent inquiries were the result of identity theft and do not serve a permissible purpose ( see attached police report ). 
Based on the listed inaccuracies, XXXX Failed to verify the information contained in this report. This is a Violation of Section 605 of the Fair Credit Reporting Act ( FCRA ).

Provisions of Sections 606 & 609 of the FCRA require XXXX to provide the following information to any consumer : How did XXXX verify the inquiries? 
Name the source of information. 
Provide a copy of the executed application your source sent to verify that the inquiry was authorized. 
Provide Permissible Purpose for the Fraudulent inquiries. 
Provide a copy of the wet signature used that verifies the inquiries. 
Provide proof of a proper investigation. 
XXXX failed to adequately investigate Fraudulent inquiries listed as a factual record of file access. All the Fraudulent Inquiries Must Be Deleted. As per the rights afforded to me by the Fair Credit Reporting Act ( FCRA ). I am requesting that the information being reported in my XXXX Credit report be Corrected. 

Best regards, 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 2015-10-13
Company: Empowerment Ventures, LLC
State: MD
Product: Prepaid card
Sub-product: Payroll card
Issue: Fraud or scam

Complaint:
RushCard had notify all customers that it will be an update on the system XX/XX/2015 from XXXX XXXX that it will be no use of your RushCard prepaid card. On Monday XX/XX/XXXX they sent another email stating that the process will be taking longer. Monday I was suppose to receive my employer direct deposit as of today XX/XX/2015 I still have no use of my card I have been calling every XXXX number that they have on filed I can not get through to any customer service representatives at all. I have bills to pay and this is my money that I worked hard for. I am a USA citizen that basically live paycheck to paycheck a household to feed. It has been brought to my attention that the RushCard owner has no worries of making his customers happy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-24
Company: Empowerment Ventures, LLC
State: KY
Product: Prepaid card
Sub-product: Payroll card
Issue: Managing, opening, or closing account

Complaint:
On XXXX/XXXX/2015 I should have received my direct deposit from my job that was sent to Rushcard to deposit on my account. It was not posted that night the next morning I called to see what was going on but I could n't get through, I figured it would be on there the following morning when I went to work.XX/XX/2015 I went to work and checked my Rushcard app on my phone to see if my money was there because I had n't received my text message saying it was there, when I looked it said I had XXXX from a Process credit. On XXXX/XXXX/2015 I went to the bank to withdraw my money to pay my bills and my card was declined so I pulled my app up for the teller and showed him it was there so he ran it again. The second time he ran my Rushcard my account went to XXXX, I let him know that he got the money because my balance went to XXXX, He stated ma'am your card declined and it did n't give me your money, How embarrassing! So I went to work and that night I was able to get ahold of a representative for Rushcard after being on hold for an hour, they explained that my direct deposit was safe and they were working through some glitches and it would be posted soon but could n't give me a day or time. Long story short.. it is now XXXX/XXXX/2015 and I still have not received my direct deposit from XXXX/XXXX/2015 from my job that was sent to Rushcard. I have spoke with several different CSR and have been told a lie everytime I 've called.. It feels like I was stolen from because they will not give me what I have worked for. I had to go take out a loan just to pay my bills and to keep from loosing my car because Rushcard wo n't give me what is owed to me.. Every time I call Rushcard and put my information in it will ring three times then hang up. I have switched my direct deposit over to someone else now so that I wo n't have to worry about this anymore but Rushcard owes me {$580.00} and I want my money. I have my paycheck stub and all my Rushcard transaction history printed for proof of what they owe me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I'M HAVING PROBLEMS GETTING THE FRAUD ALERT REMOVED FROM MY CREDIT FILE

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 2020-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no Knowledge of this account ... .Never have done business with XXXX XXXX XXXX I have never received, any contract with this collection agency at all Derogatory marks View all accounts COLLECTIONS XXXX XXXX Opened XX/XX/2020 {$1500.00} Original creditor : XXXX XXXX  XXXX  Overview You have 100 % left to pay on this collection. 
Balance {$1500.00} Highest Balance {$1500.00} Opened XX/XX/2020 ( 1 mo ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name 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