BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Dispute is For Chase Bank Checking Account On XX/XX/XXXX there were couple transactions occurred on my debit card that wasnt authorized by me. I disputed those transactions Totaling around XXXX $ .After Careful review chase closed the claim leaving me with my credit that they applied to my checking account on XX/XX/XXXX they wrote me a letter stating that the claim was closed and they are leaving the credit they gave me in my account. On XX/XX/XXXX they reversed all credit that they credited. After reviewing the transactions and closing the claim they dont have any right to reverse them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-14
Company: BANKMOBILE TECHNOLOGIES, INC
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
XXXX XXXX keeps rejecting my check deposits for flimsy reasons. Last week it was because they couldnt allegedly verify my check with the issuer and this week it is an incomplete check. 

Those reasons are false as I could cash the same exact money order at another bank without any issue. In fact the deposited images didnt show any issue. 

Can the bank take notice of this poor service? Someone at the bank is not doing their job and the bank is not providing any recourse. The customer support staff just reply with scripted answers and are unhelpful.

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 2016-04-18
Company: Halsted Financial Services, LLC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This company sent me written communication about an alleged debt that I have with another company. I called the company and requested validation of this debt and they were unable to provide that. They stated that the account left their office 30 min prior to me calling in regards to the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: CITIBANK, N.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2010 a process server served a XXXX XXXX with a Case # XXXX that individual had a debt with XXXX that individual passed away in an affidavit filed with the court The same case # XXXX was then also used on XX/XX/2010 for a debt to Citibank for me I had done a motion with the court and advised of this and the judge decided it was a typo and didnt want to look at the case because I didn't show up to court back in XXXX. I was not properly served the same case number was used for 2 different judgments on 2 different people. XXXX XXXX has overcharged on the debt and retroactively imposed interest charges I have called and tried to do a settlement but they refuse to settle for less than the full balance. Now in a pandemic and am being garnished and it is causing a hardship

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 2022-07-22
Company: EQUIFAX, INC.
State: MD
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX & XXXX XXXX XXXX Creditor : XXXX ) XXXX Balance : {$380.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$620.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
XXXX have a bill thats is 12 years old now ERC COLLITION AGENTS THEY REPORT IT AS A NEW BILL I HAVE THEM REMOVED THREE TIMES AFTER A COUPLE OF MONTHS THEY REPORT IT AS NEW AGAIN THE TIME HAS RAN OUT ON THIS WHY DO THEY DO THIS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-05
Company: BARCLAYS BANK DELAWARE
State: MI
Product: Credit card
Issue: Other

Complaint:
On our Barclaycard we had a balance of XXXX. We sent payment on XXXX XXXX Payment over balance in amount of XXXX with a due date of XXXX XXXX XXXX fully XXXX days or XXXX days to arrive in City XXXX XXXX. We called two days after XXXX XXXX ..XXXX XXXX. And balance indicated IT NOT only had not been recieved ( or so they would claim ) but there was additional balance indicating a late fee. IT however had to be in their possesion for it was cashed check XXXX on XXXX XXXX. We sent a XXXX payment of only the previous balance since i called and they said they would waive the late fee. This XXXX payment I sent check XXXX by certified mail and was recieved XXXX days later..the certification came back dated XXXX XXXX. I called that day to see if the XXXX check had been cashed and MY account showed a balance of negative XXXX that is a credit balance. I have another credit card with Barclaycard. and asked if this XXXX could be transferred against debt on this other card. They said NO. They agreed to send a check to us at our physical address of XXXX XXXX XXXX XXXX Michigan My name is XXXX XXXX XXXX. They did not they faxed it to our XXXX. Which was not agreed upon and charged us so fee..XXXX of which I recieved a letter date XXXX XXXX.in so doing. AND did not send us this months billing. but XXXX letters. DUE THIS month XXXX XXXX. and today is XXXX XXXX. So I called them today. NO explanation of how they arrived at XXXX. My intention had been to pay the balance and cancel the card..and they keep moving the DUE date and the payment address to XXXX. when it was in XXXX. and have trumped up some bogus charges made by someone XXXX like it was someone who got ahold of my account number evidently to make us feel like they were doing their job..or perhaps to sell us some other service. My neighbor has a Barclaycard..and a few other people I know and they have had similar problems with them So they need to be investigated. I called today ..no XXXX gave explanation of how they arrived at XXXX for some trumped up fee. WHEN the account was paid off. But they finally after calling DROPPED the XXXX and some guy named XXXX in XXXX said it was dropped but could not understand him. Something about XXXX fee. for reversing the check..I had tried to stop payment on the XXXX check..but it had already arrived and they cashed it giving a credit balance of XXXX aforementioned. So it was NOT like they were charging me for stopping payment on a balance owed them. in the XXXX place. IT was never stopped since they cashed it before STOP payment arrived evidently. Just all round bad business practice NEVER had a Credit card ever do this to someone WHO pays their bills. And NONE of them have ever charged to return MONEY overpaid to them. In fact XXXX credit card company without me calling XXXX returned the money because they simply wanted an even balance at XXXX. There is the story.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: WELLS FARGO & COMPANY
State: MN
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 NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING OF INFORMATION I BELIEVE IS DUE TO IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT TO BE. I HAVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION. I HAVE NEVER TO MY RECOLLECTION RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED CAUSATIVE POSSIBILITIES OF MISINFORMATION. PLEASE PHYSICALLY VERIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, THE BALANCES AND CALCULATIONS, EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2

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 2015-04-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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 continue to receive calls despite the fact that I have told this company each time they call that it is not my debt and they have the wrong person. Each time they are told to remove my name and stop calling but they persist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: KEYCORP
State: PA
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:
Late last year Key Bank acquired XXXX XXXX XXXX. Around the time of conversion, Key Bank posted my payment for both my Mortgage and Home Equity incorrectly ( XXXX and XXXX ),  causing me to show as delinquent. I received several phone calls telling me that they were attempting to collect a debt, after I did research I found that they posted the payments incorrectly. I explained this information to them, they said they would fix it. The next month I received the same phone calls saying my payments were past due. After approx. 3 hours of phone calls ( trying to get to an individual that would be able to help me ) they acknowledged their mistake and provided me with a letter saying it was their error and no negative information was reported. I pulled a Credit report, and they did in fact report me as 30 days past due twice ( XX/XX/XXXX and XX/XX/XXXX ). I again spoke to several people at Key Bank and even made a trip to my local branch. They said the issue was corrected and again gave me documentation stating I was not past due at any point during my loan. Fast forward to last night, when I applied for a new mortgage, and was told my rate would be 1/8 higher then quoted because my credit score was below XXXX on two of the major credit reporting companies. Upon looking at the credit report, it was noted that 2 of the companies are showing I was late with my Mortgage held by Key Bank. The one that was not reporting me as past due had my score above XXXX..enough to get the lower rate. So now because of Key Banks error and their incompetence to make the correction correctly, I am now going to be paying more for my mortgage in addition to the {$32.00} I just paid to see my full credit report. I have never been late on my mortgage or my HELOC and I am beyond upset that because Key Bank made several errors, which they have admitted to, I am going to be paying more for my new home. Does not seem fair to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been paying my mortgage for 14 years and have never been late, until XXXX when I was diagnosed with XXXX XXXX and under went treatment. I explained my situation to my mortgage ( HSBC ) company and requested a loan modification, but was denied. I reapplied for a loan modification in XXXX but was denied again due late payments. XXXX XXXX HSBC sent me a notice regarding an increase in my escroll account and that I could pay the difference of my to prevent an increase in my monthly payment, which I did. In XXXX of XXXX my monthly payments increased. It took six month and several hours on the telephone with HSBC to find my payment and apply the correct account. In XXXX of XXXX I had no choose but to obtain a lawyer for assistance with my home mortgage loan. My lawyer requested a loan modification and was told that I has already modified my loan in XXXX, which was not true. In accordance with the Affordable Home Act I should be able to modify my loan by reducing my 6.5 interest rate to current comparable rate. HSBC had continuous denied my request for load modification without any valid justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove/block the disputed item as they was opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX Date Opened : XXXX. XXXX, 2018 XXXX : {$5200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: Fay Servicing, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am trying to add my loan number XXXX with property address XXXX XXXX XXXX XXXX NJ XXXX to my existing online profile. The online system is extremely buggy and there is a lot of error and I have called the company and emailed the company many times, but they could not resolve my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I received a home mortgage modification with Chase bank 6 years ago. Original mortgage was XXXX. Chase modified my mortgage as follows first 5 years 2 % interest year 6, 3 % year 7, 4 % year 8,4.35 % for life of loan which was a 30 year mortgage. They deferred XXXX till end of note and a balloon payment in the amount of XXXX at end of note. The value of my home is around XXXX right now I guess i owe around XXXX. Are you kidding me? Obama making home affordable act!! What a joke!! XXXX now has my mortgage and I was told there was nothing they can do, as far as i can see, this is criminal. The banks got bailed out, what the XXXX is going on???? I need help getting my mortgage back to where it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Tower Loan of Mississippi, Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I received a loan in the mail by a check ( {$1200.00} ) pre approved check. I deposited it into my bank, checking, on XXXX XXXX, XXXX On XX/XX/2022 the check was returned Bc it wasnt paid. On the XX/XX/2022 I went into the local Tower Loans and they couldnt give me a reason or the number to the main office.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The " XXXX XXXX Reported '' field on my Equifax report for the account " XXXX  '' keeps changing each month, and is currently listed as " XX/XX/XXXX. '' THIS IS INCORRECT. 

It is impossible for this date to be in XXXX because the account was settled at {$0.00} in XX/XX/XXXX, with no activity since then. 

The " XXXX XXXX Reported '' date for this account should be listed as XX/XX/XXXX. 

The incorrect " XXXX XXXX Reported '' date is re-aging the debt, a serious violation of the Fair Credit Reporting Act under Section 623 ( 5 ) ( A ). 

I have disputed this issue multiple times via certified mail. If Equifax can not report this tradeline accurately, they must delete it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
" We have  XXXX  business accounts (  XXXX  XXXX  XXXX ,  XXXX  XXXX  XXXX  ) with  Paypal. Paypal ove r-drafted my  XXXX  XXXX  XXXX  account by - {$490.00} because my  XXXX   XXXX  reported suspicious use by my random  XXXX  charge for a ride I randomly got in  XXXX   XXXX  ( where I communicated with my  XXXX   XXXX  that same day that all charges made and pending were all mine and there was no reason cause for concern ). Becuase of this, paypals " system '' automatically charged back  XXXX  previously made transfers of {$300.00}, {$100.00} & {$100.00} that I transferred from my  XXXX  XXXX  XXXX  ( which is attached to my verified  XXXX   XXXX  account  ) to  my  XXXX  XXXX  XXXX  resulting in this - {$490.00}. I 've called to resolve with paypal they keep placing blame on  XXXX    XXXX   whereas I show in my  XXXX   XXXX  statements that Paypal got paid the {$500.00} AND I called to confirm with  XXXX   XXXX  that there was no open charge back cases and they confirmed there are no open cases at all for me. I call paypal pack because we had a client pay us through  XXXX  XXXX  XXXX  and paypal 's  XXXX   XXXX   XXXX  confirmed they will not give us access to our funds for at least 80 days because " there 's an open charge back case '' that  XXXX   XXXX  needs to resolve for them. So not only is paypal ripping us off and in both accounts but they 're also effecting are ability to receive funds active or pending to be able to pay our own selves, furthermore causing us to loose clients. ''

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 2022-12-12
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a phone call from WorldWide XXXX and they let me know that I had been selected for a vacation presentation and for attending they would give me several prizes and a card with XXXX dollars without any obligation. On XX/XX/2022 I went to the presentation and bought a vacation plan with the option of being able to cancel it in 72 hours and call the company within 24 hours because I did not agree with what they sold me. Now they are charging me a debt of XXXX dollars.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-26
Company: Bread Financial Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has my cell phone number, email, and physical address but they keep calling my work line every single day after i've asked them not to call my job

Company response to consumer: Closed with explanation