BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-31
Company: JPMORGAN CHASE & CO.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I recently came into some money that would give me the ability to pay off some of my student loan debt. I have XXXX loans serviced by XXXX, the lender is JP Morgan Chase. I had already talked to a different lender about reducing the interest on another loan so I could pay it off with no problems. When I called XXXX, they informed me that they could not negotiate interest on the loan that I would have to call the lender. When I called the lender they said they no longer do student loans and I would have to talk with XXXX. I tried to explain the XXXX directed me to them since they were my lender but they said they no longer have a department that can help with student loan questions. I understand that it is a long shoot when trying to negotiate a pay off amount but it is very frustrating when I cant even talk with my lender about my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
I have a Capital One Credit Card and when I make a payment I notice that the money is taken from my checking account immediately. I made this payment on the on XXXX/XXXX/2015 and my checking account was debited for {$400.00} on XXXX/XXXX/2015. I contected my bank and they stated the funds were paid on the XXXX/XXXX/2015. I checked my credit card account on XXXX/XXXX/2015 and Capital One still has not credited my account even tough they wree paid three days ago. This is the XXXX time this have happened to me after I made a payment and payment was paid by my bank. I feel if they take a customer mone from their account knowing that its clear and hold it I should be paid. I contacted the credit card company via chat and they refused to release the hold stating it will be released on XXXX/XXXX/2015 even though they know the money is cleared. I think is is illegal for a company to hold an individuals money even though they have been paid and the funds cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: NCB Management Services 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:
In accordance with the Fair Credit Reporting Act XXXX, the companies listed have 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In accordance with the Fair Credit Reporting Act XXXX, the companies listed have 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 response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Issue: Advertising and marketing

Complaint:
I received email offer for a credit card with great cash-back benefits from Capital One Banking. I have a money market account with XXXX XXXX balance with this bank. After applying, I was denied the credit card for the reason that my income was too low. I want to know how and why Capital One banking can solicit and extend credit card deals to prequalified people and then deny that unsolicited offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: Focus Holding Company
State: NC
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:
I spoke with a representative at Focus Receivables Managment on XXXX XXXX, 2016 and Focus Receivables Managment confirmed they do not have a debt within their system of {$790.00} with XXXX. They also confirmed that they would alert the bureaus to remove this debt, but it is still reporting on my credit report. I am filing a complaint for not attempting to help me with this debt. Due to the fact that it is still reporting on my credit report with XXXX XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This Debt Collector continues to report to all XXXX Credit Bureaus that I owe them when in fact this debt was taken care of by the original creditor via a XXXX. 

XXXX is also reporting the incorrect date on SEVERAL accounts as the " Account Open '' date as of last year ( XXXX ) when in fact these accounts were opened in XXXX to XXXX and are ALL past the Statue of Limitations and are about to be either removed by the Credit Bureaus OR are about to turn positive.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31
Company: CCS Financial Services, Inc.
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Credit Collections Services continue to contact me via phone and mail for a debt that I do n't owe. The debt is a fraudulent debt. I sent Credit Collections Services a police report and a letter informing them the debt is fraudulent and do n't belong to me and I am a victim of identity theft.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/22, I deposited a check, in the amount of {$100000.00} at Chase Bank ( XXXX XXXX XXXX XXXX, XXXX, Florida XXXX ). The check was from XXXX XXXX XXXX XXXX regarding proceeds from the sale of a home. The check was accepted by the teller XXXX XXXX, XXXX # XXXX ). Subsequently, after reviewing my account, I discovered that the check for the full amount was placed on hold. I then checked my receipt, which included a notice on it stating that " Checks within this deposit may not be paid because of information received from the paying bank or due to information we have within our own systems. '' I reached out to Chase on XX/XX/22 and was transferred to their Fraud Department. I spoke to a representative who identified himself as XXXX. He informed me that they had suspected fraud, the check did not look real to them and that based upon my account history, I have never had any deposits that large in the past. He further stated that they will have to have to place the check on hold for 10 days, as they needed to verify that it is valid by taking it to XXXX XXXX in person to confirm that the issuing account had adequate funds to cover it. I informed him that I was aware that a large amount would not clear immediately, but that his explanation seemed irrational. I contacted XXXX XXXX XXXX XXXX and was informed that they did receive a call from XXXX after hours, but the caller did not leave a message. She explained that nothing was flagged in reference to the transaction nor were there any alerts received at their end. I have been a customer with XXXX for many years, including having mortgages and credit card accounts and have never had problems with my accounts regarding large or small deposits. Neither has there been any assigned late or overdraft fees. My current accounts can almost cover the prior mentioned deposit. 
I am respectfully requesting your assistance with resolving this matter and advising me of the outcome or how I may proceed. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 Fair Credit Reporting Act XXXX Account # 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 non-monetary relief
Consumer complaint received 2016-04-08
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Us Bank took a {$100.00} out of my checking account for XXXX that I did not authorize, I talked to net credit and told them that I could pay {$100.00} monthly. I was ask how I wanted to pay and I said I will called it in and pay by phone, I then paid for XXXX 2016. Now when the month of XXXX came, XXXX took {$100.00} out of my account without my permission I did n't authorize an ACH or call in for XXXX to debt my account. US Bank refunded my {$100.00}, to later take the {$100.00} back, US Bank fraud department told me that XXXX has that right since I owe them, but they do n't have the right to go into my account without my approval, they have the right to their money but they must go, I repeat they must go though the proper procedure by law and be approved ( I believe ). By the way I found out that XXXX XXXX had a Charge Off against me, I don '' t think you can charge off and collect to. They are taking my Federal benefits without approval, these tactic needs to stop. I realize {$100.00} is n't much, but it 's the little foxes that spoil the vine. The person I spoke to in US Bank fraud was name XXXX, in the complaint department is XXXX, XXXX. I thank you for the help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Report act XXXX XXXX Acct # XXXX, XXXX  XXXX Act # XXXX, XXXX  XXXX Act # XXXX, XXXX  XXXX  Acct # 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 an 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 2020-04-20
Company: Self Financial Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had an account with Self Lender / XXXX.I have contacted them on XXXX XXXX, XXXX via letter to inform them that my account with them was reporting an incorrect payment history as well as the date the account was closed was incorrect. Self Lender is reporting 3 different closed dates with all three bureaus. XXXX  is reporting a closed date of XX/XX/XXXX, XXXX  is reporting a close date of XX/XX/XXXX and XXXX  is reporting a closed date of XX/XX/XXXX. In addition XXXX  and XXXX   are reporting late payments on XX/XX/XXXX and XX/XX/XXXX, while XXXX  is reporting late payments on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However this account was closed in XX/XX/XXXX and I received a refund check that is attached for {$34.00} dated XX/XX/XXXX. Due to the date discrepancies and payment history discrepancies. I will like for this account to be deleted from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: CURO Intermediate Holdings
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2020, Curo XXXX XXXX managed to place 2 hard inquires on my XXXX credit report. I do not know of Curo XXXX, nor have I ever contacted them for any kind of loan. Contact information for this supposed company is not made available on XXXX XXXX or the internet.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: U.S. BANCORP
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
This Complaint is filed against the US Bank XXXX XXXX XXXX, XXXX XXXX, Nevada, for the continued harassment made against my checking account 's Overdraft Coverage since XXXX XXXX, 2015 and continues. On XXXX XXXX, 2015 several overcharging Overdraft Fees, of {$36.00} each and an Extended Overdraft Fee {$25.00} were refunded to my account because the US Bank already have collected such fees. Consequently, the action made by the US Bank to overcharge my Checking Account with additional fees demostrates a desire to inflict me with personal harm that have caused XXXX. Please, note that the US Bank have fully responsability to manage my Checking Account with accurate information as is demanded by State and Federal laws.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, this is called defamation of character. I can't get a job. I can't apply for credit. I can't even get a sba loan or anything like that due to the pandemic under this crisis you have hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Reason : XXXX and Equifax said that they have investigated these two accounts on my credit report but failed to correct inaccurate information such as late payments on XX/XX/21 never receive a response from them until XX/XX/21 30days after the initial dispute. These are the two accounts that list late payments on my credit file Account # XXXX, Account # XXXX, Account Number xxxxxxxx XXXX, and Account Number xxxxxxxx XXXX. I put in a previous dispute online on these two accounts but comes back as verified, I called the two creditors about these issues and ask them to update this on my record but they also failed to do so. I don't think these late payments on these two accounts are right. XXXX failed to verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26
Company: U.S. BANCORP
State: WA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
First Note : This is NOT a duplicate issue. The other issue reported was regarding a transaction in XXXX of last year. This is a NEW case with a NEW issue. Both cases involve the same card issuer, but different transactions and cards are involved. 

XXXX/XXXX/15 - Purchased a gift card for {$500.00}. The receipt indicated no problems loading / activating the card -- said APPROVED on the receipt. 

After opening noticed that the card inside the package had been tampered with -- someone had destroyed the mag stripe and placed the tampered card on the shelf in a different store. 

I called the number on the back of the card and after entering the card number, was forwarded immediately to customer service. I was told by Customer Service that I would need to be sent a replacement card and that I needed to fax information to " Lost / Stolen Card Replacement '' to get that process started. 

XXXX/XXXX/15 -- Collected the required information ( name, address, e-mail, phone number, card info and receipts ) and faxed it all off to the specified number for Lost / Stolen Card Replacement. Indicated that they could call me at ANY HOUR if necessary. 

XXXX/XXXX/15 -- After hearing nothing, called and asked for status. They could n't find in system. Opened an inquiry to escalate. Faxed the information off to them again and realized that I had transposed XXXX numbers when I typed them. XXXX was XXXX. 

Immediately called them back and inquired with the correct card number. They indicated that A REPLACEMENT CARD HAD BEEN SENT THE PREVIOUS DAY ( XXXX/XXXX/2015 ). 

XXXX/XXXX/15 - Still had not seen a replacement card in the mail, so called the number on the back of the Gift Card. Found that the previously locked/inactive card was now active and that the {$500.00} loaded on the card was now roughly {$11.00}. Immediately hit XXXX to get Customer Service. 

They told me that since they did n't see any fraudulent activity on my tampered card YET, they had simply activated the card on XXXX and that NO REPLACEMENT CARD HAD BEEN SENT. ( Apparently the person I had talked to on XXXX had lied to me about a replacement card being in the mail on XXXX. ) I WAS NEVER CONTACTED AFTER THE ORIGINAL CARD WAS ACTIVATED AND THE SCAMMERS WHO TAMPERED WITH THE CARD IN THE FIRST PLACE APPARENTLY DRAINED THE ENTIRE CARD. 

The CSRs on the phone insisted that I need to dispute the fraudulent charges and go through the standard dispute process. I have been through this process before and US Bank XXXX XXXX in their handling of these cases. The entire process takes about 3 MONTHS to complete. 

Before the call ended, the CSR I spoke with handed me off to an escalation agent, and that escalation agent indicate that an escalation manager would call me back within XXXX hours. I have not yet received a call from them six days later.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-06
Company: ATG Credit, LLC
State: MI
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 account # XXXX, has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
Hello I have a car title loan threw wheels financual re XXXX XXXX its my 2 loan did '' t realize that it says in this web site that there only suppose to charge no more then 35 % intrest rate .and there charging me a 134 % int rate .my last loan was 199 % int and so since i paid off my other loan total pay off was {$17000.00} dollars yes crazy so they send me this letter to my email saying that Iam a prefurd customer and they will give me another loan for higher amount at a lower A.P.R rate .they denied that they sent me the notice.so they taunted me with this to give me this loan witch i fell for.is there anything i can do about this.Its just not right that they can take this much for a {$2500.00} at 199 % A.P.R. and if you make a payment early they still want another payment on the payment date or they will reposse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I contacted TransUnion on XX/XX/XXXX concerning an inaccuracy in their credit report file. While no other credit reporting company ( XXXX, nor XXXX  ) reports any negative information concerning my account ( a VISA card with XXXX XXXX XXXX # XXXX ), TransUnion does. 
I received a response to a dispute report I submitted XX/XX/XXXX from TransUnion dated XX/XX/XXXX that stated : " XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX , IN XXXX ( XXXX ) XXXX We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. '' It is my understanding that a credit report can not report negative information on an account after .... '' 7 years from the date the account was charged off or for 7 and a half years from the date the first delinquency occurred. '' I have previously verified with XXXX XXXX XXXX that my account was first reported to credit reporting agencies prior to XXXX, XXXX, a date more than " 7 and a half years '' prior to XXXX, XXXX. 
It is also my understanding that " under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) for knowing violations of the Act, the per violation penalty is {$3700.00}. '' As I included all of the pertinent information contained herein to TransUnion in my dispute notice, and TransUnion reports XXXX XXXX " verified '' the challenged statements as " accurate, '' both parties have violated their Fair Credit Reporting Act obligations. 

I respectfully request that TransUnion and XXXX XXXX XXXX, both be assessed penalties of {$3700.00}. I also request that TransUnion and XXXX XXXX XXXX be directed to correct their reported information, specifically that no negative information be reported by them concerning my closed Visa account # XXXX. 

I will be forwarding a copy of this communication to XXXX XXXX XXXX. 

Sincerely, 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