BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Originally, I had linked my Chase credit card to my Chase checking account since they informed me that this would be convenient in case I get overdrafted on certain bills I have set up for auto pay. When I did get overdrafted, I was told that it would be charged to my credit card versus me getting charged for the overdraft fees, which was great. But soon I realized that every overdraft became a CASH ADVANCE towards my credit card, and I was never told that they would be cash advances at really high rates. Of course they have zero remorse for not informing me of this. I walked into a branch and demanded they remove the link from my checking account and credit card account, and to stop any overage charges or attempts. They say sure, and mind you this is a Chase Supervisor, female, within the branch and answers with such arrogance, and just rude as I ask a few questions, and adds that they would need to charge me XXXX ~ XXXX dollars to remove the link. Wow.. what thieves. Today I check my accounts and both accounts seems to be linked to my credit card STILL, and now again charges my credit card.. I feel this violates my rights and what was confirmed to have been done at a branch which I saw with my own eyes, and yet they decide to charge me again. I feel this is almost fraudulant, as this was unauthorized for Chase to do without my knowledge or my permission. And I have not even received a call from them, or any notices as of today. I am not sure who I can possibly report this to or how I can get this resolved other than having to stop banking with this fraudulant bank. I have banked with them for so many years, and yet they have no attempt of resolving any issues with me, whether it be over the phone or even at the branch. Nothing but bunch of arrogant supervisors which consumers like myself, have to deal with which is not very attractive, and very difficult to approach when dealing with this type of subject in the matter of our own money and funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
It 's called Paragon Revenue Group And it says it was opened XX/XX/2014 and the amount is {$3400.00} Theres NO WAY I could have gotten that amout from anyone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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 2022-08-18
Company: EQUIFAX, INC.
State: TX
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:
I will be filing a civil lawsuit for violations of my federally constituted rights under 15 USC 1681 I will be seeking {$1000.00} dollars per violation. As noted there are at least 4 violations committed by XXXX Credit Bureau, and Equifax Credit bureau It is my request to the delete the accounts or pay me {$1000.00} dollars per violation ) 15 USC 1681section 602 ( A ), 15 USC 1681 section 604 ( A ) 2, 15 USC 1681c ( a ) ( 5 ) 15 usc 1681s-2 ( A ) ( 1 ) in accordance with The Fair Credit Reporting Act. CFPD Submitted in complaint # XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
My PayPal account information was hacked after my XXXX account information was compromised. 

Within a few minutes, three large transactions were sent to an individual in XXXX, which drained my account. As soon as I saw the pending transactions, I tried to log in to PayPal to cancel/dispute the transactions. My password was locked. I had to reset password. Once I got in, there was already a pending dispute regarding one of the charges. I started a new dispute regarding the 2 others and referenced the pending dispute as well. 

Paypal stated that the transaction were authorized and closed the dispute without me having any option to escalate the dispute to a claim status. There is no option to appeal the closed dispute or to reopen a dispute regarding the transactions, once PayPal has closed the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-26
Company: Nelnet, Inc.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I have XXXX FFEL Stafford Subsidized Loans in default. Both loans were for {$5500.00} and I owe {$3200.00} on one ( {$88.00} outstanding interest ) and {$3200.00} on the other ( {$100.00} outstanding interest ). I could only find out this information on the federal student loan website. Navient apparently owned both loans at some point, but they show XXXX loan as transferred and XXXX loan as paid by USA Funds. On the federal site, one shows that XXXX has it, but when I login, there is no information and no payment due. The other shows that it 's all still with Navient, but Navient 's website shows it 's not. I moved in 2011 during an economic hardship forbearance, and I never got any more information on repayment. Since then, I 've been trying to track them down, and I STILL ca n't figure out how to repay everything. I need some sort of straightforward information, and when I contacted Navient their response was a form letter telling me options on how to repay loans, but no specific information as to WHO and HOW I repay loans that they show as not being at Navient, even though the federal website says XXXX is at Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The man I worked for in the XXXX at a XXXX. He wrote me XXXX hecks and i put them into my account and they bounced. He didnt even have the monies in his account! So my account was then closed. The second time someone stole my card and used it to make fraudulent transactions.

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 2022-08-18
Company: Sunset Management, Inc
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I am behind a month on my loan and I spoke to the loan company about making a payment on XX/XX/2022 for {$100.00} but I wasn't able to do so. I believe in paying my bills on time and I have already had a loan with this same company and paid it off. Due to extremely hard times as a single parent during inflation I have fallen behind on all of my bills which really has me stressed out. This is causing issues with my health and I have been to my doctor for XXXX XXXX XXXX XXXX XXXX that I am working on controlling. I received a call from a neighbor asking me about two women knocking on her door and asking if she knew me. She said they left a letter for me with her and I could not figure out who this could be or why they would knock on this woman door asking about me. When I returned home I got the letter from my mailbox due to my neighbor had to leave for work and asked what she should do with it. When I opened the letter and read it, I was heartbroken and stunned that this information was left with my neighbor. I was really embarrassed and sympathetic at the same time that my neighbor had to be awakened by someone knocking on her door asking about me and my personal business. I called and spoke to the branch manager XXXX XXXX XXXX and she confirmed yes they came to my house and yes the left the letter with the neighbor due to knocking on her door by mistake. This is dangerous on their part due to the things that are currently going on and disgraceful due to the total loan they are looking to collect on is less than {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I have applied for a mortgage and got it funded at the end of the year 2004 with Chase Home Financing. Because our first mortgage with Chase I had problems with the amortization that I believed it was incorrect, I started collecting every data of regular payments and extra payments made with the new loan. So, I was able to discover that on or before the XXXX TH payment, there was a difference of XXXX payment missing from the beginning. After deciding that an attorney would not get a case for around {$150000.00}, I called Chase and told the representative that I was sure XXXX payment was missing from the very first payment. Also I said I had the proof of that first payment made for the first month because that had happen to me on our first mortgage with Chase 9 years before. 
Then, the associate ask me for a moment and came back to tell me that I was right and they were adding that missing payment. That was the most unbelievable thing that I had ever heard. So simple, so direct ... They did not compensate me for the almost XXXX months that I was making payment a month earlier than I should. Unfortunately, I believe that it has also happened and still happens with many people that do not have time to check their XXXX payments that used to be due before a regular statement being received by the borrower. 
A month ago I refinanced my mortgage and got rid off of almost all the papers, by I still have the mortgage account #, and remember that Chase had corrrect that missing payment between the XXXX and XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Herbert P. Sears Co., Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
HP SEARS has reported invalidated information to the 3 credit reporting agencies ( XXXX XXXX and or XXXX ) I am requesting HP SEARS to produce copies of your 1096 tax form, your 1099-OID, your INC and your PRC in reference to the account listed above. I respectfully request your offices provide me with competent evidence that I have ANY legal obligation to pay you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Experian Information Solutions Inc.
State: CA
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: Was not notified of investigation status or results

Complaint:
Back in XXXX over 55 days ago I filed dispute with all 3 credit bureaus. THIS IS NOT RIGHT!. I am trying to clean up my credit and I cant do so if they wont response to me. The funny this my wife letters went out the same day and her has already been resolved, so there no reason why mine hasnt.

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 2016-05-31
Company: JPMORGAN CHASE & CO.
State: AR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am working with Chase mortgage to short sale my home. I owe more than it is worth since the area it is located in had lost a lot of value. The home is located at XXXX XXXX XXXX, XXXX, XXXX XXXX. I had to relocate to XXXX for my job in 2012. We were unable to sell our home at that time as we would have lost too much money to be able to sell it, so we rented it out. It has been a burden to maintain and keep renting for us from so far away and we are attempting to short sale the home. Chase initially evaluated our application for a short sale and denied us but did not take into consideration all the expenses that we have going out on a monthly basis. I am self employed and as such I keep back money in my business account to pay taxes on my income yearly. when Chase looked at the business income and account, and then looked at the bills we have solely listed on our credit report, they felt that we had more than enough income to cover the sale of the home and the loss of money. The fact is that we do not. Since the initial evaluation, the money in my business account has now paid my taxes and expenses, and is significantly depleted. They did not take into consideration the expense of taking care of my family day to day. I have my wife and we have XXXX children. Even though I submitted all my expenses, I was told by a loan representative that they only looked at income, bank balances, and credit report. They did not take into consideration any other expenses. So I guess in their mind, as long as you can pay them and nothing else, then you should be able to afford it, never mind the day to day expenses of raising a family of XXXX. Now we are 4 months behind in our mortgages on that house as we do n't have a renter and we can not afford to pay on the house we live in here in XXXX and the house in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Reliant Capital Solutions, LLC
State: CT
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I owed a bill to XXXXXXXX XXXX XXXX  and the bill was {$6100.00}, I paid off {$3000.00} so the remaining should be XXXX. I couldnt pay it because Im a working student I had to take a gap semester and work in order to pay the rest. So why was I charged for fees that came out to XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18
Company: BCA Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX I received a notice from BCA Financial Services , Inc. advising I owed a debt in the amount of {$56.00} due to an unpaid bill with XXXX XXXX XXXX XXXX as of XX/XX/XXXX. I reviewed my records and found that in the year XXXX I only received two invoices from XXXX XXXX XXXX XXXX for the amount of {$56.00}, and both of those invoices were paid. At that time I wrote a letter to BCA Financial Services , Inc. formally disputing the debt and providing them with copies of all invoices I had received, the cashed checks showing the debt was paid, and demanding they investigate the debt to verify that it was actually owed. I sent this letter to them via Certified Mail, and confirmed delivery. I also sent a copy to XXXX XXXX XXXX XXXX. Upon doing this, it is my understanding they are legally prohibited from trying to collect this debt until they furnish proof that it is owed. 

In XX/XX/XXXX I spoke to BCA Financial Services , Inc. on the telephone and they advised me they were will researching if the debt in the amount of {$56.00} was owed.

I never received a formal response from them providing they verified this debt was owed.

Today, I received another letter in the mail from BCA Financial Services , Inc. citing that same debt of {$56.00}. It is a violation of my rights for them to try and collect on a debt I have formally disputed without furnishing proof it is owed.

Attached please find copies of all correspondence from BCA Financial Services, to BCA Financial Services, and copies of medical invoices and cashed checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: Ditech Financial LLC
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I submitted my mortgage payment on XXXX XXXX which was due on XXXX XXXX. I received a call from Ditech in XXXX that my mortgage payment for XXXX was late. After informing the person that my payment was submitted on XXXX XXXX, the person said the payment was incorrectly applied to the principle and they would send a request to fix the problem. I continued to receive calls and letters from the company that I was delinquent on my payment. I have called or spoke with Ditech at least 6 times and they said the mistake would be corrected each time I spoke with them. 
After XXXX weeks of trying to correct this mistake, the issue has still not been resolved and I continue getting calls letters from the company stating that I am late on my payment. I keep getting excuses that they are updating the computer system and they do not know why it is taking so long.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Consumer Financial Protection Bureau ( " CFPB '' ) Complaint No : XXXX Ditech Financial LLC Account No. XXXX I submitted a complaint reference above because Ditech refused to post my payment. After almost two months, they did finally posted the payment, I immediately made the next months payment. Now, they decided to report on my credit that I was late, even in the letter and response they said they would n't. They are lying again!!!! Is n't this criminal act?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX DOB XX/XX/XXXX SSN XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX Last reported XX/XX/XXXX {$5800.00} Reported balance XXXX XXXX XXXX Last reported XX/XX/XXXX {$3100.00} Reported balance XXXX XXXX DOB XX/XX/XXXX SSN XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX

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 2015-12-15
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card
Issue: Transaction issue

Complaint:
I booked an overseas trip online for me & my wife on XX/XX/XXXX with XXXX XXXX. I requested Business Class upgrade ( from economy plus ) for the return trip. We were put in a non-guaranteed waiting list for the upgrade request. I did not expect XXXX XXXX to charge my XXXX XXXX XXXX XXXX credit card the upgrade cost ( {$1200.00} ) since the upgrade was not guaranteed and the return flight is not until XX/XX/XXXX. However, they did charge my credit card for this amount on XX/XX/XXXX - more than 2 months in advance. I called XXXX XXXX to complain about the charge but was informed it 's company policy to charge customers ( in advance ) for non-guaranteed upgrade requests. And they further stated that if I did not get the upgrade, they will refund me the funds. I believe this policy of XXXX XXXX is quite unfair to customers. They take your money for over 2 months without guarantee for the upgrade - meantime, the customer will have to pay the credit card finance charge if the said amount is not paid in full. I therefore request your agency put pressure on XXXX XXXX to stop this unfair policy. Thank you for your immediate response and assistance on this matter.

Company response to consumer: Closed with explanation