BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-20
Company: JPMORGAN CHASE & CO.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I added an external account to my Chase checking account. I subsequently transferred money from the Chase Checking to the newly external account. I received a text message from Chase to confirm the transfer, which i did via responding text. To my horror I discovered a week later that not only did Chase reject the transfer AND THEN CLOSED the external account WITHOUT my permission. Nor was I informed that they closed the external account. Then Chase locked my account from online access due to activity frequency. Upon inquiry I was told they dont know why this happened. And that I now have to go through the ENTIRE process again to reestablish the external account - that they closed! and they were unwilling to provide me contact information for Fraud or Operations officers to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: JPMORGAN CHASE & CO.
State: AL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have been paying ChaseXXXX XXXX of my total Gross income ( which totals XXXX of my Net income ) each month for XXXX years. I contacted them today to see if there was any way to lower my payments for a short amount of time to allow myself time to catch up and pay off other items as well as create a savings account cushion. The representative I spoke with told me I could apply to have my payment cut in half for 3 months, after which the monthly payment amount would greatly increase. This seems completely unfair to me as I am simply asking for a small amount of assistance because I pay so much for the loan already, to raise the payment by a significant amount because I need help feels like a punishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My parents set-up a trust account 3 yrs ago due to health issues and to make it easier for my brother & I to have access to their financial accounts once they passed away. They listed me as the first trustee and my brother as successor trustee. Chase Bank is making us work to get to the money. Here are some of the things that have happened : 1 ) Chase lost the form that my Mom signed listing my brother & I as the beneficiaries of one of her accounts - we had to hire Mom 's attorney to do additional paperwork at a cost of {$500.00} to get the account moved into the trust so we can access it ; 2 ) I was asked to create a NEW trust account with my name, SSN, and Federal EIN number in order for Chase to move the old trust funds into the new trust account ; 3 ) Now I am being told that I have to create another trust account because they are unable to move the original trust funds into the newly created trust fund ( different EIN and SSN numbers is the excuse ) ; 4 ) the trust account was frozen after my Mom passed away but when we needed to access funds, they were able to unfreeze the account but then the problem with getting some funds was that " someone '' had started reinvesting the money. This was odd because we were told that XXXX was the person in charge of Mom 's account. We had n't authorized any reinvestment of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
CHASE BANK WHOM I HAVE BANKED WITH FOE XXXX YEARS TOOK MY {$10000.00} WHEN I ASKED TO CLOSE MY ACCOUNT AND NEVER CLOSED MY ACOOUNT. AND THEY HAVE CHANGED MY STATEMENTS TO SHOW THAT I OWE THEM XXXX WHICH DOES N'T CORRELATE BECAUSE I HAD XXXX PLUS XXXX IN CHECKING AND SAVINGS ACCOUNT RESPECTIVELY. 

NOW WHEN I WENT TO THE BRANCH AND FORCED THEM THE MANAGER PRINTED OUT XXXX PRICE OF PAPER SAID NEGATIVE XXXX DOLLARS AND THEN POSITIVE XXXX EQUALS XXXX ENDING BALANCE. MEANS IT 'S XXXX NOW SO ATLEAST NOW MY ACCOUNT SHOULD BE CLOSED WHICH THEY ARE NOR CLOSING. THEY MADE MY INFORMATION PUBLIC AND BECAUSE OF CHASE BANK I AM VICTIM OF ID THEFT. THEY HAVE DISCRIMINATED AGAINST A MINORITY WHIXH IS SIMPLE AND STRAIGHT FORWARD AND I THEN LEARNED HOW MANY OTHER PEOPLE HAVE BEEN HURTED AND LOST EVERYTHING BECAUSE OF CHASE BANK. I WANT MY MONEY BACK VIA CHECK AND CHASE BANK NEEDS TO BE SUSPENDED FOR XXXX WEEK ATLESST. FIRST, I WANT MY XXXX PLUS XXXX BACK IN XXXX HOURS AND A LETTER STATING MY ACCOUNT BEING CLOSED IN END OH XXXX WITH ENDING BALANCE IN CHKN XXXX AND SAVINGS ACCOUNT {$2200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hello my name is XXXX XXXX, I 've been apply for a personal loan in XXXX XXXX XXXX XXXX in XXXX XXXX XXXX and they denied my application because they said in my credit report shows somebodyelse information what is not accurate because is check my credit report trough creditkarma and it 's not showing anything else then my personal information

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 2022-06-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sent my mother through XXXX $ XXXX like I have been doing for 3 years the money never arrived to my mother account I have gone to the bank wells Fargo and they haven't done anything and they had that problem with a lot of costumer and they don't want to protect us and I think someone in the bank change my mother phone number and it went to another account and no one wants to return my money I don't know what to do anymore

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 2015-09-13
Company: JPMORGAN CHASE & CO.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX sued me for a debt that was not mine. They said it was from a credit card I had in XX/XX/XXXX and they were garnishing my wages XX/XX/XXXX XXXX a court order I knew nothing about because they sent the summons to an address I had n't lived at since XX/XX/XXXX. I tried to call them to let them know and they were extremely rude. I found an old credit report filed away that said I had that card and it was opened the same day as the one I was sued for but the account numbers did not match up. I called XXXX and they said it was my debt and did not want to hear what I had to say and when I asked if they could give me proof they said the original debt collector ( Chase ) had the info. When I called Chase they asked me for the account number and my SS # and told me it did not match the account and I would have to call the 3rd party debt buyer. When I called XXXX back with the findings they told me that they owned the debt and Chase should not have told me any thing when I called Chase back the next day they refused to talk to me any more that the account was locked and told me they could not help me which I thought was weird because the day prior they were able to at least tell me the account was not mine. I live in XXXX and was sued in XXXX courts because that is where I lived when the debt had originally occurred so I had to miss multiple days of work and try to figure it out and get help. I was able to get it vacated because I had prof that I did not live at the address the summons was sent to. They were ordered to pay me back all garnished wages. They did pay me back everything but {$5.00} which I was tired of fighting with them and do not have the time to fight for it. I do have all documents needed to prove my case. During all of this I did keep calling them to see if they would listen and some were OK to me and others were down right rude. I actually had a guy that said I do n't pay my bills and he pulled up my credit profile and was naming off medical bills that were past due, told me I was cunning, and he did n't have time to talk to me because he had to talk to people that were actually willing to pay their bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My bank collects for taxes with my principal, interest and insurance payment every month. I added additional land to my property and the bank, Chase, stopped paying my property taxes without contacting me. I continue to pay my property taxes monthly to them and also had to go pay XXXX tax bills that they did NOT pay. I contacted Chase Bank on XXXX and spoke with a supervisor. I told her my issue and she said she would be sending me a letter within two weeks letting me know what they will be doing. Today is 30 days and I have heard NOTHING from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My bank ( chase Bank ) contacted me to report there was fraudulent activity on my account. They froze my card ( and called me to tell me there was suspicious activity ). I contacted them and reported I did not recognize transactions done in XXXX. They credited my account, then 2 weeks later, reversed the credit and informed me that since it was a chip, they had to deny the claim. I do not understand how the fact that it was a card chip, means that it was not fraudulent. I am disputing this still.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Experian is reporting in accurate names, addresses and social security numbers on my credit report that I feel is affecting my credit and putting me at risk of identity theft or a credit merge. 

Incorrect Name : XXXX XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

Incorrect Social Security Number : XXXX This SSN is incorrect and is not an accurate SSN for me. Delete this SSN and any accounts associated with it for violating the FCRA. 

XXXX This SSN is incorrect and is not an accurate SSN for me. Delete this SSN and any accounts associated with it for violating the FCRA.

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 2016-03-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I short sold my home in XXXX and a company masquarading as Chase telling me that I owed them for an equity loan that I thought had been paid off in the short sale. I paid them - to date $ XXXX.+. 
The payments were always made from my bank account - I was asked to give them routing number, account number and they recorded me saying that they could take the payments for 6 months - then they would call me again to ask for the same set up. 
I had someone working on my credit rating and they realized that this debt was not showing up in my credit report. Because of that I went to Chase to alert them that this may be a fake Chase company and they were very un-interested. 
They did say that I had no such debt on file but that I was to take a pamphlet and report it to all these other agencies - that were covering Identity Theft - which this is not. 
They are still hounding me every day and now they have sent a letter - XXXX of XXXX I have recieved over the years since XXXX. 
The letter they sent looks exactly the same as Chase but it has different phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
rec a ltr that my acct was cr for XXXX this was n't done, and want of statementsements from XXXX to current to see where this cr was issue, as they are now revesring it and putting it bk to the acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: MIDFIRST BANK
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX, a division of MidFirst Bank, has not fulfilled its referral promise. I opened my XXXX deposit account on XX/XX/XXXX pursuant to a XXXX advertisement. The bottom of XXXX 's website states : " XXXX MidFirst Bank. XXXX is a division of MidFirst Bank. Member FDIC. 

My direct deposits to XXXX appeared on my earnings & leave statement as deposited to " XXXX XXXX XXXX Bank. '' XXXX then encouraged me to " refer friends to XXXX, '' with the promise of {$50.00} for me and {$50.00} for a friend who opens and funds a XXXX account. I referred my friend to XXXX, and sent him the XXXX link designated for the referral promotion. He opened and funded his own XXXX account. We fulfilled all terms of the promotion, and our respective bonuses should have posted by late XXXX. I called XXXX about this on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The first two times, I spoke with a customer service representative who identified himself as " XXXX, '' and who confirmed that we had satisfied the requirements for receiving the referral bonuses. He said he would research why the bonuses had not yet posted. The third time I called, a different customer service rep answered. I explained the situation, and told her of the " XXXX '' I'd spoken to before. She said he would arrive to work shortly, and she would ask him to follow up about this. My friend and I still await the promised referral rewards. MidFirst Bank and its XXXX division engaged in false advertising and deceptive practices. CFPB, please help us!

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 2015-06-08
Company: Dovenmuehle Mortgage, Inc.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX XXXX in XXXX Colorado subbed out my mortgage processing to Dovenmuehle Mortgage. On XXXX XXXX, 2015 I sold my house and XXXX requested a mortgage payoff. Dovenmuehle provided a mortgage payoff of three month MIP when it should have been two months. They required that we pay {$1200.00} when I only owed {$840.00} for an overpayment of {$420.00}. We discovered this error on the day of closing, but they required we pay the incorrect amount and told me that they would refund the difference when XXXX XXXX wired them the incorrect amount on XXXX XXXX, 2015. I spoke with Dovenmuehle by phone on XXXX XXXX, 2015 asking when I would get my check and they told me that even though they had not sent the mortgage balance to HUD, they would not refund my {$420.00} overpayment and stated that I would have to contact HUD. The second complaint is that Dovenmuehle withdrew from my escrow account on XXXX XXXX, 2015 {$1600.00} for Property taxes and as of XXXX XXXX, 2015 had not paid it to the XXXX County Treasurer. They refuse to refund the {$1600.00} even though they have not sent it to the county and XXXX had to withhold this amount as part of the closing process. Dovenmuehle owes {$2100.00} that they refuse pay me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: EQUIFAX, 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:
I inform you that I am identity theft victim because these accounts in my report are not mine. I tried to show my report to my friend and to figure out what is that and he told me that its common practice that bureaus putting somebody else accounts or simply that someone just used my personal information and managed all of this or its error in reporting. So please could you figure out why I have these items in my credit report as I do not know them and I do no recognize them and I have nothing in common with those items. Its very sad that I also faced this problem however I hope that you very soon reinvestigate and delete them from my credit report. I hope for understanding ) Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: Square Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/XXXX on my cash app account, {$150.00} was sent to $ payingclient but was not authorized by my but one of my friends thats has their fingerprint on my phone and I tried canceling it and requesting it back but no answer. I already removed the fingerprint security to a number password.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022 sent {$100.00} using Western Union. The receivers bank in XXXX declined the money. It has been more than a month and WU is not refunding my money. About two weeks ago WU escalated the issue but still no refund and when I emailed them they did not respond. They issued me a reference number via the email they sent me 11 days ago XXXX. 

Here is the information from WU website. It shows refunded but no refund was issued. 

XX/XX/2022 XXXX XXXX Refunded XXXX XXXX  : XXXX XXXX XXXX Track Hide details Edit & resend Payment ________________________________________ Checking ending in XXXX Delivery XXXX XXXX XXXX ending in XXXX Money available : 0-4 Business days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: CURO Intermediate Holdings
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:
I paid off Speedycash.com and requested ( 2 times this far ) they remove the debt collection by Ad Astra from my credit report. 

Although Speedy Cash assured me the collection would be removed ( in person at their store ) nothing has happened. Its been over a year and Ive not heard from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: GA
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, the following creditors and reporting agencies has violated my rights. 

-- XXXX XXXX XXXX # XXXX -- XXXX XXXX XXXXXXXX # XXXX -- XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX # XXXX -- XXXX XXXX XXXX # XXXX -- XXXX XXXX # XXXX -- No acct name # XXXX -- No acct name # XXXX -- No acct name # XXXX -- XXXX XXXX # XXXX 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 non-monetary relief
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: TX
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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