BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-21
Company: EQUIFAX, INC.
State: IA
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:
Unverified collection account and unverified accounts on my credit report as well as inquiries. Ive disputed since XXXX of last year and everytime theyve said its verified as accurate with NO PROOF. Thats in violation of the FCRA and my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Bread Financial Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The creditor was not able to provide any form of documentation to verify this specific account with me. I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. These creditors have had 330 days ) and ( 4 dispute letters sent ) to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: Platinum Holdings Group, LLC
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
They contacted my place of employment after I asked them not to, and then spoke with XXXX of my coworkers about this being a legal matter and pursuing action against me in the court of law

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: Collections Acquisition Company, Inc.
State: MO
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We received a letter from debt collector, Payliance dated XXXX XXXX, 2015 stating that we owed {$150.00} plus a {$35.00} service fee for our XXXX payment to our son 's orthodontist XXXX XXXX. However, This payment was PAID XXXX XXXX, 2015 Payliance had deducted the amount of {$150.00} PLUS a {$25.00} fee from our checking account. I sent them documents on XXXX XXXX, 2015 disputing the outstanding debt and documbents showing where they automatically took the money out of our checking plus their fee. 

Since then, our orthodontist has verified the account was current. But, Payliance is continuing calling us claiming we owe them the money. they called : XXXX XXXX at XXXX., XXXX XXXX at XXXX., XXXX., XXXX., XXXX XXXX at XXXX., XXXX XXXX at XXXX., XXXX XXXX at XXXX a.m. and XXXX XXXX at XXXX. 

They are calling to collect on a debt that is not valid as of XXXX XXXX when they automatically took the money out of our checking account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: State Collection Service, Inc.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I just noticed this accusation on my credit report from XXXX and know absolutely nothing about it. It 's a {$70.00} open collection from State Collection Service Inc. I have medical insurance and always pay my copay, this does not show up in XXXX. I 've never received notification or a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Privacy

Complaint:
Without my authorization Chase began sending unsolicited e-mails to the address in this complaint on XXXX/XXXX/XXXX ( " Chase_Unsolicited_E-mail_XX/XX/XXXX " attached ). 
I called Chase on XXXX/XXXX/XXXX and spoke to " XXXX '' at approximately XXXX CST. I stated that I Received an e-mail, re : Chase Freedom Rewards on XXXX/XXXX/XXXX, Had NOT had an online account with Chase in 6-7 years, Did NOT turn on any e-mail notifications. 
I WAS TRANSFERRED TO THE " PRIVACY DEPARTMENT '' WHERE AN UNNAMED PERSON VERIFIED THE E-MAIL ADDRESS WHICH WAS BEING VIOLATED, AND SAID THAT THESE E-MAILS WOULD STOP. 
Since then I have received unsolicited e-mails from Chase on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ( " Chase_Unsolicited_Emails_XX/XX/XXXX_through_XX/XX/XXXX " attached ). I decided to wait after receiving the e-mail on XXXX/XXXX/XXXX to see if there was a delay in implementing the removal of my e-mail address even though it was promised over 2 weeks earlier ( XXXX/XXXX/XXXX ) and these days it should not take that long to update a database!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: CIT BANK, NATIONAL ASSOCIATION
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I AM WOMAN, BECAUSE OF ONE WEST BANK FALSE CLAIM AND ATTEMPT TO FORCLOSE MY PROPERTY ON XXXX, and filed false proof of claim ( FOR CONSTRUCTION LINE OF CREDIT WHICH WAS CHARGED OFF IN XX/XX/XXXX ) in Bankruptcy CASE NO,, first under name ONE WEST BANK, XXXX ( XXXX XXXX XXXX ) AMOUNT , 1,,,,,,, DATED,,,, CLAIM NO,,,,, and then under name ONE   WEST BANK, N.A ( XXXX XXXX XXXX ) FOR AMOUNT,,, DATED,,, DOC,,, AND never mentioned in bankruptcy case ONE WEST  BANK become CIT BANK IN XX/XX/XXXX. ALL THEIR ACTIONS harmed and damaged I and my family and lost costume property WHICH I built In XXXX by XXXX point at me ON XX/XX/XXXX, and 30 days in XXXX detention center in XX/XX/XXXX, for XXXX unlawful, administrative Bankruptcy court order. ( BANKRUPTCY CONVERTED TO CHAPTER XXXX BANKRUPTCY BY FORCE OF BAND AND BECAUSE OF DOUBLE FILING OF ONE WEST BANK ON XX/XX/XXXX. ) ( TRUSTEE DOUBLED ONE WEST BANK FALSE CLAIM, one for ONE WEST BANK XXXX, and another one for ONE WEST BANK, N.A= TOTAL $ //// ) I FILLED CHAPTER XXXX BANKRUPTCY IN XX/XX/XXXX, IN XXXX VIRGINIA CASE XXXX TO FIND OUT WHO HAS RIGHT TO COLLECT CONSTRUCTION LINE OF CREDIT AFTER ALLEGED CONSTRUCTION LINE OF CREDIT BEING CHARGED OFF BY MORTGAGE SERVICER XXXX XXXX IN XX/XX/XXXX. BANKRUPTCY DISMISSED PER 3 CREDITS REPORT {$0.00} CLAIM, AND {$0.00} LIABILITY IN XX/XX/XXXX. 
XXXX XXXX XXXX TRUSTEE FALSE ACCOUNTING REPORT AND FALSE SUMMARY CLAIM HARMED, harmed, harmed, harmed, AND DAMAGED I AND MY FAMILY VIOLATE DUE PROCESS OF LAW, VIOLATE JURY TRIAL, VIOLATE TRUSTEE OATH. 
1- I LOST {$91000.00} FROM DIP CHECKING ACCOUNT, 2- {$6300.00} REMAIN IN DIP CHECKING ACCOUNT THAT I CAN NOT USE IT AND I DID NOT GET CREDIT FOR IT. 3- PROPERTY WHICH I COSTUM BUILT ON XXXX KNOWN AS XXXX XXXX XXXX XXXX VA ,. chapter XXXX trustee. It began with the general principle in section 704 ( a ) ( 1 ) that a chapter XXXX trustees duties include collecting and reducing to money the property of the estate for which such trustee serves, and close such estate as expeditiously as is compatible with the bests interests of the parties in interest. The efficacy of liquidation must be balanced against the best interest of parties, including the debtor. Obviously, a chapter XXXX trustee may not conduct the case for the sole purpose of self-enrichment. Here, the U.S. Trustee was motivated, at least in part, by a desire to increase his fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My Chase debit card was taken from me on XXXX XXXX, 2016 which was used to make unauthorized withdrawals/transactions. I was never informed from chase via phone call that any of this fraud activity was taking place. I recieved XXXX email to confirm the transactions which I was unable to open until it was too late. Once I noticed all of the transactions I called Chase bank immediately, hysterical they were not helpful in anyway. Instead of being giuded in the right direction I was yelled at, and blamed for all of this. I explained I would give whatever proof necessary to prove I was in a different town at work, which they were not interested in. I then went to a chase branch filed XXXX claims, signed paperwork faxed it to them right away. A few days later I recieved an email stating they were giving me a temporary refund of which I would have full access to use while they do their research. Later come to find that this was untrue, I called to verify and I was told Chase was ending their " relationship '' with me and I was not able to touch that money. I again, went to the branch to get clarification because I could not get a straight answer from anyone I spoke to. The teller also got no where with answers, he could only apologize for the misunderstanding. I am a single mother of a XXXX girl and Chase would not allow me to even touch my money that was stolen from me. Chase did not provide me any protection whatsoever. Two weeks later I saw an email stating they were not refunding my money because they had reason to believe these transactions were correct. I asked the supervisor for a valid explanation, which they refused to give me. I told them about the multiple police reports I have about the identity theft situation I am in, I cried to them letting them know I have valid proof and they said " that wo n't be necessary ''. The woman on the phone hung up on me abruptly and I decided to take further action since I am getting no where with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I had fraudulent charges to my checking account, upon me discovering this I contacted JPMORGAN Chase and they refunded the charges and fees associated with the fraud. Several weeks later I received multiple notices from them stating the charges were not fraud and they were immediately removing all funds they had reimbursed. I immediatelywent into a branch to discuss the situation and was told that because I have budget application my phone that randomly updates connected to the account they show a " log in '' into the account that they assume I reviewed all charges every time the app updated and I did not report the fraud immediately that it is no longer fraud. Now the account is severely overdrawn and they are demanding payment and threatening to charge off and report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: JPMORGAN CHASE & CO.
State: OR
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
The Honorable XXXX XXXX XXXX XXXX and Chase Bank - CEO ( TOP MAN ) ; I write in XXXX filing XXXX charging complaint against Chase Bank in XXXX, TX Headquarters - all unresolved new checking, debit, and credit card are all declined that I do not want fill out for XXXX time it will be declined again that I am escalated afraid of declined,. I was not happy with XXXX XXXX in very bad rude against me with unresolved banking issues. I do not allow female worker with me in formal escalated requests. as I am not happy alone fill out in new opening account of debit & checking, and credit card applications. I complain with unresolved with Chase Bank situation bringing up the report to U.S. Senators and Speaker XXXX. I escalated complaint against XXXX XXXX in Chase Bank in XXXX, TX, that she/he hated me as he/she is in bad employee rude against XXXX XXXX XXXX as she/he used bad judge against XXXX XXXX. I am not happy with XXXX XXXX tough periods.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
I am beyond frustrated at the way Chase has handled my dispute complaints. I have been victimized by an online business scam and previously requested assistance disputing the charges paid to these fraudulent companies. I just received a letter that my case was closed because they " did n't receive any documents that indicated I wanted to dispute '' ... I was previously unable to open the dispute because I was told it was outside of the 60-day time frame. They never requested any documents from me I filed a complaint here because I hoped someone would look into this further. I have other credit cards and they are looking into charges just as old or older. The charges I am disputing for not being rendered to me as described are XXXX XXXX XXXX in the amount of {$280.00} and XXXX in the amount of {$630.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04
Company: Westlake Services, LLC
State: CA
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
I paid the title loan off in full per the claim from Wilshire Consumer Credit XXXX XXXX, 2016 and now rude and very unprofessional argumentative customer service stating I must pay additional {$690.00} to pay in full and get the title back for my truck, I have made several attempts to contact the supervisor however she never returns my call or respond to my letters. I paid the loan back in full {$6200.00} and just want my title free and clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX has approved a short sale for a XXXX veteran, the file is in the closing phase with Chase and the Closer XXXX XXXX has been making closing demands that are above and beyond the approval letter and above and beyond XXXX XXXX guidelines. She has caused a great delay in closing this file and appears to be doing everything she can to cause this transaction to fail. I have escilated this issue with Chase Executive offices and they have not resolved this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX, we suffered extensive water damage to our home. The damage was estimated at over {$45000.00} by a professional restoration company. The restorative process revealed that the house had extensive termite damage estimated at {$30000.00}, which was not covered by the insurance company. In XX/XX/XXXX, the insurance company issued us a check for the water damage only ( {$32000.00} ). The check was made out to my husband, myself, and Chase Mortgage Bank. I called Chase Insurance Claims Dept. for instructions on getting their endorsement on the check. They told my husband and I to endorse the check, send it in and they would send us a Chase check in the mail with my husband 's and my name on it for the amount of the check. Needless to say, that never happened! We submitted the check to them for endorsement as they instructed and they never sent us the funds. They held the funds in an escrow account. I inquired frequently about the check, only to be given the run around, asking me for more information. We put the house on the market opting to do a short sale and Chase agreed. We finally got a buyer and closed on XX/XX/XXXX @ XXXX. I continued to inquire about the insurance check and was told on XX/XX/XXXX that they needed a letter from the restoration company stating that we had a zero balance. They said that was the only thing holding them up from releasing the funds and we should receive it in 7-10 business days. We still did n't receive it. On XX/XX/XXXX, Chase left a voicemail on my house phone and on my cell phone trying to set up a house inspection. The next day, I called them back to inquire about the check and they said they needed to do set up a house inspection and then they would release the funds. They were oblivious to the fact that the house had been sold and that they signed and agreed to it. Clearly, the departments do n't communicate with each other. So they put me on hold and took me through some different people. Then, they said we gave up all rights to that check when we sold the house. They produced a form with our signatures on it dated for XX/XX/XXXX saying we signed away all rights to any insurance claims, escrow funds, or any funds associated with the property address. This was the first time either of us saw this form ( attached ). Access code to this form is XXXX. The printed names were clearly not our hand-writing, but someone tried to make the signatures resemble in some ways. We did not come in the day before closing and sign this form. It was not present at closing on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: JPMORGAN CHASE & CO.
State: IN
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have a mortgage with Chase Bank. We have suffered a financial hardship that has caused us to fall behind on our mortgage. We want to keep our home but have exhausted all our efforts trying to work with Chase and staff. It has been extremely difficult getting past all the red tape and we are concerned that Chase will wrongfully foreclose on our home, due to no fault of our own. I have applied for a modification at least XXXX times with no success. At this point we are n't allowed to make any sort of payment. We will what they are doing to us is not fair and is not giving us a very fair chance. We are desperate in efforts to try and keep our home but feel they are n't giving us a fair chance in doing that. We have been put on a couple different re-payment plans that are extremely outrageous and we would not be able to provide for our family with paying those payments. All we are asking is for a fair chance in keeping our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Hi I received an XXXX Credit Card from Chase of {$7000.00} limit on XXXX XXXX, 2016. The problem is that this was unsolicited and I never applied for this card. My wife had also received a similar XXXX Credit Card a few weeks before. I have already intimated Chase - and asked for the card to be cancelled. I 'm more worried about the remarks on my Credit Report with a hard check on my credit. 

I feel that this is similar to the XXXX XXXX case of cross-sell.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
I am trying to complete a Home Equity Line of Credit loan with JP Morgan Chase. They discovered an " open '' lien from XXXX of their predecessor banks ( XXXX XXXX Bank XXXX New York ). I provided XXXX evidence of the pay-off of that loan in 1996. They still have not processed this lien satisfaction and now have closed the application due their own inability to process in a timely fashion. This has closed my fair access to such credit to be denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Rewards

Complaint:
I applied for a chase marriott rewards card the was supposed to come with a XXXX bonus points after spending {$3000.00} in 3 months. Chase sent the card to me and let me spend {$3200.00} dollars then 6-8 weeks after sending me the card I was told I did not qualify for the bonus. I should have been told when I got the card that I would not be getting the bonus or denied the card in the first place. I was mislead and this needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: The Bureaus, Inc.
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
i acquired the debt in a divorce and filed bankruptcy chapter XXXX.the debt is from 2009 and in the state of Louisiana statue of limitations is XXXX years which makes this a time-barred debt.bureaus investment group, llc.XXXX no XXXX did n't send in a claim to the u.s. bankruptcy courts and has filed a suite against my ex.i have read up on certain laws and found that they have violated the fdcpa by attempting to sue for a time-barred debt as well as not complying to the Louisiana statue of limitations and have put them selves in contempt of court as pursuant to the u.s. bankruptcy automatic stay.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked after I reviewed my XXXX, XXXX and XXXX credit reports and saw that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/XXXX 2017 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time. 

I do ask in light of the good standing relationship we have that you remove any late payments from my credit report and refund me any late fees that was added to my account. I do not believe it is accurate and did some research on some laws called the Fair Credit Reporting Act ( FCRA ), the Fair Credit Billing Act ( FCBA ) and also XXXX XXXX guidelines set forth by the XXXX XXXX XXXX XXXX ( XXXX ) which I could use to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: DHI Mortgage Company
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
During the mortgage process I asked the lender to match the rate of the competitor. They obliged my request but failed to disclose that they obtained that rate not by matching it but by having me pay points to buy the lower rate. It was not broken out separately in the closing documents and was only brought to my attention when the tax statement for points paid arrived.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation