BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Back after XXXX/XXXX/XXXX ( XXXX ) I had received an email that I thought it was amazon.com where it looked legit saying that they wanted my name, credit card information and my social security number. Then on XXXX/XXXX/XXXX at exactly XXXX., I had received a fraud alert from Chase Bank saying that there was {$21.00} taken out at a computer software store. So the bank has blocked my credit card for security purposes. Chase Bank had disputed for unauthorized purchases that was not made from me. XXXX of the unauthorized purchases was from XXXX for the amounts of {$20.00} and {$3.00} that was made on XXXX/XXXX/XXXX. XXXX was from XXXX at a computer software store ( unkown merchant and location ) for the amount of {$21.00} that was made on XXXX/XXXX/XXXX ( {$100.00} in total ). Chase Bank had put the unauthorized transactions back into my account where the merchant also put {$56.00} back in my account. Then on XXXX/XXXX/XXXX, Chase Bank " supposedly '' written on emails. Unfortunately, I had a hard time logging on their website which was not there " normal '' Chase Bank website, but there " claims department '' website. Without any warning and and hardly no communication between the merchant, the bank and myself, Chase Bank had the audacity to reverse the credit of the amount of {$56.00} out of my bank account on XXXX/XXXX/XXXX which almost put me in the hole and in the red. I had tried to dispute the bank due to lack of communication within the merchant as well as the bank. So now Chase Bank had penalize me for their mistake for not pinpointing the " mistake '' from the beginning. This was not the Merchant 's falt, but the Chase Bank 's falt and NOT including myself.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-15
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
My daughter and I sold her car. We were careful to do everything in a public place including a location with video coverage. we were given a cashiers check for {$10000.00} made out to the man who was purchasing the car. He signed it over to my daughter, we have witness and video of this along with receipts. The check was taken to Chase Bank in XXXX Il, and deposited in her account. The cashier at the time said funds were available immediately. On the next day my daughters account said funds were available. On Saturday she called customer service to raise her point of purchase to {$8000.00} to purchase a car. This was approved by Chase customer service. Dealer did not want to run credit card because of charges. We went to XXXX XXXX XXXX branch of Chase to withdraw funds and a cashiers check. They refused us and said account must be placed on hold. We left and went to XXXX branch where we bank. There we were told it is Chase 's policy to not release funds on 3rd party cashiers check unless issuing party is present or can be contacted. This person is avoiding all calls, texts, from us, my lawyer, and the bank. Chase says money will be held indefinitely. This was presented at time of deposit. Cashier took the check and deposited it like nothing is wrong. If I had been told of this I would not have deposited it, I would have gone to issuing bank. 


us, my law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
T

o whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered inquiries that I have no knowledge of. Because I did not apply for credit with the lender and/or creditors below, I have also reached out asking that they remove the inquiry from my credit profile. Please launch an investigation into the inquiries to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if the below lender/creditors are able to prove that the inquiry is indeed valid, please provide written proof and a descri
ption of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter XXXX XXXX XXXX2021XXXX XXXX 2021 XXXX XXXX XXXXXXXX XXXX XXXX/2021XXXX  XXXX , 2021 XXXXXXXX XXXXXX/XX/XXXX/2021XX/XX/XXXX 2021 XXXX XXXX XXXX XX/XX/XXXX2021XX/XX/XXXX 2021 XXXX XXXX XXXX XXXX  XX/XX/XXXX2021XX/XX/XXXX, 2021 XXXX XXXX XXXX XX/XX/XXXX/2021XX/XX/XXXX, 2021 XXXX XXXXXX/XX/XXXX/2021XX/XX/XXXX XXXX 2021 XXXX XXXXXXXX XXXX XXXX  XXXX/XXXX/2021

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 2016-11-29
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Issue: Rewards

Complaint:
I signed up for Chase XXXX XXXX in response to an advertisement indicating XXXX points on XXXX XXXX ' frequent flyer program if I spend {$2000.00} within 2 months. However, i never received that XXXX points. when i called Chase to inquire about my point status, they told me it takes 3-4 months to update in the system. So I called back a month later ; Chase told me that my account actually was n't set up to receive that offer but instead it was {$200.00} credit and XXXX points, which was COMPLETELY DIFFERENT FROM THE TERMS OF THE DEAL I SIGNED UP FOR. Chase also told me that since i called back later than the 3 month time period, they ca n't change it back to the offer that I agreed to. THIS IS FRAUD. THIS IS PURE DECEIT. 

I have estimated the monetary value of this fraud. They cheated me out of XXXX XXXX XXXX point. The cost of a XXXX round trip XXXX miles, which costs about {$150.00} as a regular ticket. The XXXX miles they CHEATED me out of corresponds to about XXXX such round trips, which has a monetary value of {$1200.00}. I am absolutely livid and furious with their FRAUD AND THIEVING DECEIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
My XXXX  home equity loan was refinanced by XXXX XXXX. XXXX XXXX  sent XXXX Home Equity a payoff check which they cashed, but never applied to my loan. I was stuck paying 2 home equity loans for months. I tried multiple times to get this resolved and escalated with both companies to no avail. XXXX XXXX finally had to reissue the check and send it again to XXXX. The check was received in XX/XX/XXXX and loan payoff was backdated to the original payoff date of XX/XX/XXXX. All monthly payments that were drafted from XX/XX/XXXX through XX/XX/XXXX were returned to me by XXXX. However, XXXX reported me 120+ days past due on my credit report in XX/XX/XXXX due to all of this. I was never late on any payments as they were auto debited from my account. I was even making two HE payments while all of this was resolved by the financial institutions. This prevented my husband and I from purchasing a home at the time because we couldn't get the title sorted out.

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 2020-03-04
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: Account information incorrect

Complaint:
My credit score is very low because 89 % of my credit is used but this is not true. First, I am disputing the mortgage balance of an additional XXXX that was fraudulently added and second, I've paid down credit cards and this is not reflected on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: Capital Accounts, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Harassing phone calls continue after I requested to stop. Everyday since XX/XX/XXXX. Ive updated my info and explained Id try to pay in full before the end of the month. Yet the keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I received an unsolicited XXXX branded credit card from Chase. I called Chase at ( XXXX ) XXXX. I submitted the card number and was asked to verify my personal information. The information was correct except for the telephone number. Scary. I was given the telephone number of XXXX credit reporting agency and told to request a credit freeze. I did as directed. XXXX sent a confirmation letter with instructions on how to navigate the credit freeze. No information was given as to how this account was opened. 
I learned from news media that another bank has been fined for this practice. Evidently, this is an industry practice that CFPB should be correcting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I am not familiar with XXXX Acct # XXXX XXXX I never apply for this kind of credit Look like some one do 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 explanation
Consumer complaint received 2022-07-09
Company: FISERV INC.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received several letters from TRS Recovery Services on XX/XX/2022. These letters accuse me of owing a debt to XXXX XXXX for a total of {$68.00}. I have never made any purchase from XXXX XXXX. 
TRS Recovery Services state they have entered this debt into the nationwide database. This is not my debt and I can not have this false information used against me and my good credit! 
I called the number on the letter which led me to their website. I went to the website and was redirected to the letter. XXXX XXXX. I submitted a dispute to this Debt by mail but the company has more than XXXX XXXX XXXX XXXX I am concerned that TRS will claim they have not received my dispute and will proceed with the assumption that this debt is valid. I don't know what happened here but this debt is not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: EQUIFAX, INC.
State: NY
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 XXXX  account # XXXX XXXX  XXXX Has violated my rights In accordance with fair credit Reporting XXXX  account # XXXX XXXX XXXX XXXX Has violated my rights 15 u.s.c 1681 Section 602 A states I have the right Privacy 15 u.s.c 1681 Section 604 A section 2 it also states a consumer reporting agency Can not furnish a account with out my written Instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX  account # XXXX XXXX  XXXX Has violated my rights In accordance with fair credit Reporting XXXX  account # XXXX XXXX XXXX XXXX Has violated my rights 15 u.s.c 1681 Section 602 A states I have the right Privacy 15 u.s.c 1681 Section 604 A section 2 it also states a consumer reporting agency Can not furnish a account with out 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 2018-03-15
Company: EQUIFAX, INC.
State: CO
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: Their investigation did not fix an error on your report

Complaint:
I have informed XXXX several times that I had a payment plan for the date of XX/XX/2016 and yet they still report to the credit agencies that this was a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX, Loan # : XXXX Carrington Mortgage Services , LLC XXXX, CA XXXX To Whom it May Concern, I am writing today to complain about Carrington Mortgage and the handling of the COVID-19 Advanced Loan Modification and the COVID-19 Recovery Modification Protections. I was denied for any Protections and said Im not eligible. 
In the Fall, XX/XX/XXXX, I received a letter from Carrington that I would be reviewed for Loss Mitigations Protections and they would notify of their decision, in writing, within 30 calendar days. I never heard back from Carrington. I assumed they were busy during COVID and were behind. I finally called Carrington on XX/XX/XXXX and spoke to an Agent. She was polite, but didnt seem to understand what was happening. She researched this, and stated that they are researching my property title and are behind in paperwork. I waited and finally called Carrington again on XX/XX/XXXX. I asked for a supervisor and spoke to XXXX XXXX, # XXXX. We reviewed my application, and she even discussed with her supervisor, but stated that I cant achieve payment savings because of my loan amount and Im not eligible. She was polite, but stated that Carrington reviewed my application last Fall were it was denied. I waited for 7-8 months to hear about my status. Even on my online account, Carrington listed my status on COVID-19 ALM as Submitted, but no other information. XXXX finally stated that my only option for help was to go through Carringtons traditional Modification process outside of COVID-19. As everyone knows, this requires 5 pages of detailed information about income, assets. Most of these are denied.

The purpose of the COVID-19 ALM and the COVID-19 Recovery Modification was to help millions of Americans during the pandemic to save their home. My financial problems did occur prior to COVID-19 in XX/XX/XXXX. However, I studied FHAs/HUDs Mortgage Letter XXXX dated XX/XX/XXXX. There are 86 pages of multiple options to get a Modification. They do not require any detailed requirements or documents. I would appreciate your help. 
XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
There was fraudulent activity on my HSA ( Health Savings Account ) card from XXXX XXXX till XXXX XXXX. This card was issued by Chase Bank and funded by payroll deductions and employer contributions. On XXXX/XXXX/XXXX I became aware of this activity after observing lower than expected remaining balance while making a payment for a health service. Since there is no monthly statement sent per the card issuer 's policy there was limited means of discovering this fraud earlier. The same day of discovering the fraud I informed Chase Bank of the same who recorded this information and mentioned that I 'll be contacted later. I was later asked to send dispute information in writing which I promptly did. 

In the meantime I also contacted the merchant from whom the charges were being sent to my account. I informed them of the fraudulent activity and discovered that there was a fraudulent email address that was on file with them to which they had been billing 4 times monthly since XXXX XXXX. They cancelled the fraudulent membership ( XXXX of them ) on my card and refunded charges for 3 months only. 
About a month later I received a call from a person with Chase bank who was assigned to investigate the dispute case. She arranged a 3 way conference call with merchant 's customer service department, who then explained the same information about the fraudulent email address being on-file with the merchant. They could not provide any other information. After that for several months I did not hear anything from Chase Bank about the dispute. I patiently waited since I was told that it can take several months to achieve final resolution. I called around XX/XX/XXXX and was informed via automated message that Chase was no longer servicing the account and can not help with any subject matter in that regard. I called again today on XXXX/XXXX/XXXX on a number found from the internet search instead of the number listed on my dispute paperwork and was able to reach a customer service person who informed that my claim was infact denied. In the denial information recorded in account notes, the 3-way conversation with the merchant and fraudulent email address being found on record with the merchant, was n't even mentioned. 

My complaint is that Chase Bank mishandled the dispute and incorrectly denied my claim and never informed me of that denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: Strategic Alliances, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The first dispute occurred while I was on XXXX XXXX for the Military in XXXX and XXXX of XXXX. I was not allowed to use a computer or able to access my mail to pay my XXXX card bill during this time. I made a dispute with all 3 credit Bureau and XXXX XXXX and they refuse to help or remove the error based on the circumstance. My account has been paid and in good standing since then and shouldn't be on my credit report due to the fact that I was not aloud to use a computer per orders from the XXXX XXXX at the time. I have uploaded my orders to this file. 

The second dispute I have is with a company called FIRST FINANCIAL ASSET Account XXXX which was just placed on my credit report as of XX/XX/XXXX. The debt is from a company called XXXX XXXX. They say that I owe them {$1100.00} for a normal physical I had got last year XXXX. A physical that my XXXX insurance should have paid for. Even XXXX shows I had active and valid insurance during this time. XXXX had sent me a bill for this physical for {$260.00}. I made a complaint with them about this because was and issue with my XXXX insurance not being active at the time because I had just got off XXXX XXXX orders in XXXX of XXXX. I ended up paying the out of pocket cost of {$260.00} back in XXXX of XXXX. I uploaded and provided a screen shot of the paid bill and a XXXX balance on my XXXX account per their app. Which is the same cost for the physical that I had one month ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: Platinum Holdings Group, LLC
State: TX
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:
World Wide Recovery is harassing me to pay a debt that happened in 2006.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Chase is denying me my right to my funds and they do not want to give me access to my funds also I 'm in another state not my home and I need my money to get home and they are still refusing me the right to my money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
The credit Bureaus are reporting incorrect information on my credit report. I have tried numerous times disputing and nothing has changed.

I am currently enrolled in a Debt management program ( XXXX XXXX XXXX ) that settles account for less money with agreement from the creditor who owns the account. 

1 ) XXXX sold the account to XXXX which was sold to XXXX XXXX XXXX and was settled for a lesser amount of {$830.00}. This account is being paid every month and will be paid off XX/XX/22. As for credit reporting, apparently XXXX has reported. Under CRA guidelines, XXXX should delete their reporting, even though they now own the debt, as they are no longer the active debt collector. 

2 ) XXXX XXXX XXXX is actively being paid to XXXX XXXX XXXX for a lesser amount of {$760.00} which is the same situation XXXX is reporting an incorrect amount. XXXX XXXX XXXX is the authorized, active collection authority. XXXX need to delete their reporting even though they now own the debt, but no longer the active debt collector. The offer to accept the settlement offer from XXXX XXXX XXXX with the added stipulation that they agree not to report their collection to any Credit Reporting Agency.

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 2015-12-04
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We filed a complaint about JP Morgan Chase Bank handling of our account and foreclosing on our property when we had a written offer for a short sale for {$15000.00} more than what the property foreclosed on. They responded claiming we were not approved for a short sale which we have documentation that we were. They also stated that our offer was missing the short sale addendum which it was not

Company response to consumer: Closed with explanation