BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-25
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I purchased on my Chase Visa card an unlimited private plane package from a company called XXXX. When I tried to make my first booking I was unable to get confirmation numbers. After repeated calls and emails to XXXX over the next 3 weeks, I emailed them as well as sent them a certified letter cancelling the service. This was due to the fact that they were unable to provide the service. I then disputed the charge with my credit card company Chase. I was denied, the reason being the item I purchased was non refundable. 
I then refiled with Chase private banking directly, stating the company was a fraud, had never provided service, so the dispute was for lack of service or services never received. Visa / Chase answer was denied to to Billing error, which was never my dispute. Chase said they would look into it. They then said the issue was, Visa made the determination and my dispute was with Visa. By this time I was proven correct when XXXX ceased operations and closed its doors. They just took the money and ran.. They took Millions of dollars and there is no government oversight or arrest being made to a company that steals people 's money and runs away.. 
I am out {$15000.00} plus accruing monthly interest payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: SUNRISE CREDIT SERVICES, INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This morning, XXXX/XXXX/2016 at XXXX XXXX., I received a recorded message on my answering machine. It said they were calling to speak to a man who is actually my neighbor. The message said that if I were not this person, I had to call their number and tell them they had the wrong person and wrong number. I did so, and they were courteous. 
I do not think it is proper for a collection agency to call someone cold, without ascertaining that the number they have belongs to the person they are trying to reach, and then to require the innocent person to call them to correct their error. I also think it is against the Fair Debt Collection Practices Act to call a neighbor about the debt of a person. 
I am complaining because I think their process is completely intrusive, burdensome, and mistaken. They should not be allowed to make calls like this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
JPM Chase dispute process is overly cumbersome. I filed a dispute on a double billing from a merchant. Chase received incorrect information from the merchant and closed the dispute. Chase would not take verbal information over the phone to reopen the dispute. They required that I submit the request in writing and provide to a Chase branch. After doing this, two weeks later was told that the request to reopen the dispute is sent to a " senior dispute team '' and I am unable to call them directly. I have no way of speaking with this special dispute team until they decide it is appropriate to contact me. Meanwhile, the disputed charge was put back on my account and is being billed. Chase makes this process so cumbersome and difficult and provides no way to communicate with the special senior dispute team. The Chase associate that I dealt with was XXXX XXXX. ARN number XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-13
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Midland Funding , LLC has placed a lien on my home. I was informed of this by a mortgage lender with whom I was trying to close on a home refinance HARP loan. I was not aware there was a lien on my home. I understand that this action is illegal. Can you help me by contacting Midland Funding , LLC for me?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: FCI Lender Services Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased a house in 2005 for {$140000.00}. XXXX XXXX owned XXXX mortgages, XXXX for {$110000.00} and the other for {$29000.00}. A couple years later I applied for loan modification. I was told by XXXX XXXX representatives to discontinue making payments while they reviewed the application for remodifying the loan. The loan modification was approved and I began making payments under the modification. Several years later I received a call from XXXXfci saying I was behind in mortgage payments. They explained that unbeknownst to me XXXX XXXX sold them the XXXX mortgage. I questioned why they took years to contact me. No calls were made, no bills were sent and no notice was given me that the loan was serviced by another company. During that time late fees and interest had accrued. I do n't know the legalities but if I feel this is an unfair practice ands has implications on my credit which I am steadfastly trying to repair.

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 2020-01-20
Company: NAVY FEDERAL CREDIT UNION
State: NY
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:
Since XX/XX/2019 I've had a closed account for the amount of {$2600.00} and $ XXXX   monthly payment with Navy Federal Credit Union and its been closed for over 60 plus  days. Navy Federal is still reporting inaccurate information about about me i.e late payments and an open account. This is fraud, identity theft and sabotage to me and my family and its also ruining my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: State Collection Service, Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
This medical bill was paid to another collector and Ohio XXXX has been unable to provide an accurate statement that it is a valid charge. I told State Collector to return the collection to Ohio XXXX and they have not sent the disputed charge back to Ohio XXXX. It is not a valid collection and should be removed from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: National Recovery Solutions, LLC
State: KY
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
Received repeated calls from this company, at work, even after telling them XXXX times to stop calling me at work. When I called them back to tell them ( again ), the person told me I was going to be summoned to court for a payday loan debt, but could not tell me where the payday loan was borrowed. She merely stated that it came from XXXX XXXX, and Identified herself as from " NRS. '' I asked her to send debt verification to my address, and she said they would be sending me a court summons. Once again, I never verified anything but my name.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Fleet Financial Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In XXXX XXXX I refinance XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I refinanced thru a different Credit Union. I emailed and called to cancellation of my Gap Insurance for a refund. I am still awaiting my cancellation form to cancel for my refund. I cancel my XXXX refinance and Fleet Finance agree to cancel but have yet to send XXXX XXXX XXXX it money back for cancellation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: National Education Servicing, LLC
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
To Whom it May Concern : Back in XXXX of 2014, I contacted your agency regarding a private student loan that I had though National Education Servicing, ( NES ) at the time I was paying I think {$50.00} a month. However, none of my payment was being reported to the Credit Bureau, instead since I was told that I was not paying the complete amount, I was being reported as delinquent. Once your agency contacted them, they decided to place me in a restoration program where all the delinquencies would be removed my from credit report and my monthly payment was increased to {$100.00} a month. I have consistently make those payments. However, I checked my credit report today, only to realized that National Educational Servicing has not cleared the delinquencies from my credit report and currently has me in default even after the payment of a {$100.00} that we have agreed on. National Educational Servicing wants me to pay {$700.00} a month, which I can not afford, I am a Program Assistant, with the Civil Rights Division of the Department of Transportation. My salary is : {$49000.00}. However, they have gone back on their word to report me positively to the credit Bureau and I am currently in law school and they told me I am not able to get a forbearance because I have defaulted on my loan, even though I have been consistently making a monthly payment of {$100.00}, one which we agreed on, now I am in default on an agreement that I reached with said agency. The phone number for National Educational Servicing is : XXXX. I would appreciate a prompt resolution to this matter. The manager I spoke with at NES is XXXX. 
Best, XXXX XXXX XXXXXXXXXXXX Ph : XXXX Acct # ***********

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: JPMORGAN CHASE & CO.
State: HI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Wells Fargo Bank 's attorney XXXX used fraud to push through a settlement agreement that was not jointly drafted and an agreement I never agreed to, as evidenced by his signature on the attached settlement agreement that does not include my signature. 
The statement that, " This Agreement isentered into and executed voluntarilyby each of the Settling Parties hereto andwithout any duress or undue influenceon the part of, or on behalf of, any such party '' which was signed by Wells Fargo and their respective attorney XXXX or XXXX is a false claim. 
Please see the attached executed settlement agreement without my signature, and my Opening Brief asking the XXXX for a ruling on fraud, and the environmental report establishing further remediation is necessary. 
XXXX assisted fraud is still fraud, and XXXX also failed to comply with the terms of the written agreement that they themselves drafted following the settlement conference. To be clear, I have never been paid any settlement fund proceeds by Wells Fargo Bank, and I did not jointly draft or agree to the settlement agreement attached. Their fraudulent acts left me in a contaminated living environment that is injuring my health as evidenced by the environmental report attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: IL
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account XXXX XXXX # XXXX Acct : XXXX and XXXX 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 a account without my written instruction 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2016-12-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
My daughter sent us a quickpay in the amount of {$1900.00} on XX/XX/2016, after the day my account did n't show the deposit so i went to Chase to check, talked to one of the representative. They can not resolve the issue, we have to call Chase main office, i was told that someone has the same email address and already receive the funds of {$1900.00}. As i know, in order to send the Quick Pay, we have to provide the account of the person you want to send the money to. Now Chase wants us to make a claim in order to get {$1900.00} back. I do n't know anything about the regulation but i feel that the consumer is not going to have peace of minds if banking instiutions such as Chase are so careless about giving our money to just anyone with the same email account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Today is XX/XX/2016 After me receiving my direct deposit on XX/XX/XXXX, I submitted all of my checks and ach deposits for payment only learning as of today Chase closed my account, when asked why they explained to me they did not have to supply reason only leaving me to now ask them for enough money to survive until they were to send me my remainder money through mail in ten of fourteen days. Well while I talked them into at least giving me {$1000.00} the remainder {$1200.00} will not be distributed to me until 10 to 14 days in a check in which this has cause me great hardship in getting my bills paid on time and without late fee or penalty. I want to complain the fact they closed my account without providing me proper notice of a closer and the fact they cause me insulting inconsolable inconvenience and an embarrassment state of closing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29
Company: EOS Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have an account on my credit who I do n't know which company this debt collection his. I want this to be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: CHECK INTO CASH INC.
State: OK
Product: Other financial service
Sub-product: Check cashing
Issue: Advertising and marketing

Complaint:
I received a phone call from XXXX. The computer voice identified the company as " Check Into Cash ''. The voice thanked me for calling them. I never placed a phone call to them. They called me. The computer solicited me for a loan over the phone without any of the proper disclosures required by TRID or TILA. When finally connected to a human being, they refused to believe that I had n't called them to apply for a loan. They insisted that I dialed their number to apply for a loan and claimed that it was impossible for them to have called me. 

This is a deceptive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I, XXXX, am getting calls from CHASE, using a blocked phone number, to my cell phone, XXXX XXXX 813 - 7894, stating they are trying to reach my sisterXXXX. My sister, XXXX, does not use my phone, she has her own phone number XXXX. This is my second complaint as I received calls after I was told not to call this phone number, yet they continued to call this number, from a blocked number. The rep who called was, XXXX XXXX, stating the call back number was XXXX. The managers name is XXXX, with employee ID : XXXX. The call took place today, Tuesday, XXXX at XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: JPMORGAN CHASE & CO.
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am currently in a Chapter XXXX bankruptcy. The Chapter XXXX Trustee has paid money to my mortgage, but the money is still sitting in a suspense account. The mortgage comapny will not allow the funds to be applied to the loan, nor will they let me make a payment to get the amount to a full payment so that it can be applied. I have about a year and a half left in my bankruptcy, so Chase will continue to earn interest off of the money I 've paid in through the bankruptcy, puls I 'll be paying extra interest on my mortgage for that entire time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: JPMORGAN CHASE & CO.
State: WA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I leased a XXXX XXXX from XXXX/Chase Manhattan Bank as the leasing company. I never missed a payment and over-paid the load every month. I was in an accident. I called Chase to let them know several weeks after the accident and upon speaking with a supervisor at Chase she and the person before her recommended that I immediately seek a refund for the over-paid amount. I made that request at the supervisors urging. 

I received a call from that same supervisor last Thursday telling me that I had to prove that I paid the overage amount. I did not pay it in one lump sum as she was requesting me to show and she knew that I paid over {$250.00} dollars every month for the past 2.5 years equating to the more than {$4500.00} in overpayment that shows on my account. She accused me of not paying the amount and had to have proof of the full amount before they would even consider repayment - EVER!! 

I was never asked to prove that I was paying with each monthly payment more than {$250.00} dollars. All payments came from the same account and I verified the account that the payments were received from ; so I am hard pressed to understand why Chase refuses to refund my over-payments unless they are trying to XXXX me out of my money. Obviously the large banks have not learned their lesson and continue to feel they can XXXX every customer that pays them on time and with over-paying their account. I demand my money back immediately and their futile attempts to keep my money infuriates me because it was practices such as this that got them in their first crisis.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Payoff process

Complaint:
I did a balance transfer using promotion checks on my Chase Freedom Card. I was told by the rep that the monthly payments would amount to approx. {$100.00}. First bill comes in with a monthly payment of {$510.00}. Called Chase dispute department and the manager was unwilling to change the monthly payment amount despite the information given to me. She kept repeating the company terms of how monthly payments are calculated ( a confusing tangle of options this OR this OR this ). 

Nowhere on the promotional checks or accompanying letter, or my statement balance does it explain the terms of how monthly payments are calculated. The manager was unwilling to change to monthly payment amount, despite what the Chase rep who did the transfer said. ( I 'm sure this is all recorded ). 

This is a misleading and a deceptive practice and could lead to financial ruin for the consumer. Consumer has the right to have all the correct information as to make an informed financial decision. Please intervene.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-01
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Suntrust bank froze my account for fraud and closed it some days later, the reason was that i received a grant for my business deposited n my account I have supplied the bank, with my Ein #, business licenses from three, both award emails from the SBA stating the amounts that was being deposited, letter for the FOIA legal department with SBA giving information about me and the grant, tracking number for the grant, SS card, driver license. Even after presenting my documents they still closed my account and accused me of fraud, and froze the account and holding my funds indefinite. No one from the local branch would help me, wouldn't allow me to speak with the vice president to present my documents to. I feel that I am being profile in some way, I have tired multiple time to clean this issue resolved but Suntrust haven/t giving me any option. I filed complaints but the people I tired filing complaints on was the one filing the complaint. I have received nothing but XXXX, XXXX, and XXXX from trying the resolve this issue. I have not committed any form of fraud.

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 2016-11-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
My online checking and savings accounts were hacked and nearly all funds were transferred out to external bank accounts via online bill payments within 24 hours. I was not notified of " suspicious activity '' by Chase, however I was locked out of my online account. I did call Chase, the problem was found and I did go into a Chase location and fill out all paperwork. Now Chase is holding my claim in " pending '' status and all I can get as an update is that the Claims department needs XXXX - 5 business days to process the claim. We are going on day XXXX, they should have more information to offer than " pending '' or telling me " XXXX - 5 days ''.

Company response to consumer: Closed with explanation