BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-22
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I sent {$110.00} USD to a person using the XXXX app ( similar to XXXX ). 

The person I sent it to did not accept the funds. Thus, the transaction was cancelled. 

Despite that, the funds were withdrawn ( debited ) from my Chase Checking account on XX/XX/XXXX. 

On XX/XX/XXXX, I successfully sent the funds ( XXXX ) ( settled in my bank account on XX/XX/XXXX ). 

I contacted Chase in XXXX, and they said XXXX needed to refund me. 

I contacted XXXX, and they gave me a series of unique identifiers to show they they reversed the transaction, and that the cash should have never been taken from my account. You can find these unique identifiers within the attached. 

Chase recommended I file a dispute. As such, I did so on XX/XX/XXXX. 

On XX/XX/XXXX, I was notified that my dispute was denied. 

I called chase, stating XXXX recently provided a letter ( on company letterhead ) detailing the unique identifiers that show the transaction was reversed, and I should get my cash back. 

Chase told me that I needed to fax in the document. I did so on XX/XX/XXXX. 

I called chase numerous times, including ( but not limited to ) XX/XX/XXXX. On XX/XX/XXXX, they confirmed they received the documentation I submitted. They advised me that I would receive an email and a text after the faxed documents had been reviewed. This can be substantiated through the recordings chase has of our numerous phone conversations prior to XX/XX/XXXX. 

Today ( XX/XX/XXXX ), I called XXXX  to check on the status of the dispute. Both times, agents advised me that the documents I faxed in HAD NOT been received. 

Thus, I am filing a complaint CFPB complaint, as Chase is giving me conflicting information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-07
Company: NATIONSTAR MORTGAGE LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX XXXX WAS MY LENDER IN XX/XX/XXXX, BE FORE THEY SOLD MY MORTGAGE TO NATIONSTAR,, AND ITS BEEN 2YEARS AGO,, THEY NEVER TOLD ME ABOUT IT AND THIS COMPANY,,, I HAVE MADE MY PAYMENTS ALWASY ON TIME, THE PAYMENT BEFORE THEY SOLD MY LOAN WAS {$660.00} INCLUDING ACROW AND EVERYTHING,, AND NEVER HAD A PROBLEM UNTILL NATIONSTAR TOOK OVER, I NEVER NEW HOW OR WHAT HAS HAPPEND, BUT I FIGER THAT SOME LENDERS DO SELL THE NOTES, BUT I NEVER NEW THAT THIS COMPANY WAS A COLLECTER AGENCY, BUT THE ISSUE IS THAT EVERY MONTH THERE IS A DIFRENT AMOUNT ON MY MORTGAGE PAYMENTS AND DO N'T UNDER STAND WHY,, I HAVE CALL AND THEY HAVE TOLD ME THAT ACROW IS LOW, WHAT THE XXXX IS ACROW,, I MADE A FIX MORTGAGE FROM THE BIGINING INCLUDING ALL OF THAT ACROW THING, NOW ITS BEEN TWO YEAR IVE BEEN PAYING DEFRENT PAYMENT ON EXPLAN, MY MORTGAGE WHENT UP LAS YEAR FOR THE TAXES INCRISS OK,, IT WHENT FROM {$660.00} TO {$690.00} I SAID OK, I PAID THAT AMOUNT FOR TWO MONTH, BECOUSE ON XX/XX/XXXX FOR MY SURPRICE, THE DEFRENT AMOUNT STARTED TO ADD UP UN EXPLAIN, TO {$700.00} I PAID IT AMOUNT FOR 3 MONTH THE SAME AMOUNT, THEN ON THE THE XX/XX/XXXX THERE WAS A NOTHER DEFRENT AMOUNT UN EXPLAIN FOR {$810.00} WHEN I PAID MY MORGAGE ON TIME, THEN NOW IT WAS OK UNTILL XX/XX/XXXX A DEFRENT AMOUN OF {$760.00} I PAY IT AND NOW IN XXXX AGAIN THEY ARE CHARGING ME {$800.00} THERE SAYING THE ACROW IS LOW, WHAT ARE THEY HIDDING, THEY ARE JUST RIPPING US OFF, I HAVE SEND XXXX NOTES ON LINE BECOUSE OF THIS CITUATION AND GOT BACK ONLY XXXX RISPONDS SAYING, THERE ARE LATE FEES OF {$12.00} WHENT THE PAYMENTS ARE LATE, LIKE I DO N'T NOW THAT, THERE ARE CHARGING ME LATE AND ACROW PAYMENTS WHENT I HAVE FIX RATE! AND HAVE PAID ON TIME, I PAID THE XXXX OF EACH MONTH AND THE LATE PAYMENT STARTS AFTER THE XXXX, THEY ARE COLLECTER AND SINCE THEY CAINT RICED THE RATES THEY HIDE IN THE LATE AND ACROW PAYMENT TO RIP US OFF IN MORE MONEY, IF IT KEEPS RISING THAT WAY, I WONT BEABLE TO PAY,,,. I EVEN GET SCARE WHEN I AM GOING TO CHECK ON MY MORGAGE PAYMENT AND SOME OF THE PAYMENT ARE NOT EVEN POST IT ON LINE, WHEN THEY HAVE DEDUCTED FROM MY BANK, WHY DO THEY ALOUD THOUSE COMPANY TO DO THAT,, THATS VERY STRESSFULL, XXXX XXXX XXXX SHOULD BE SUE FOR SELLING OUR MORTGAGE AND NOT LETTING MORTGAGERS NOW, AND PUT US IN THOUSE PEOPLES HANDS TO MADE OUR LIFE MISSERABLE, I AM SO MAD AND FRUSTRATED. NEED HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been a Discover credit card holder since XX/XX/2022. I would always pay my Discover card off quickly. As of XX/XX/2022 I did not have a balance on my credit card. At XXXX on XX/XX/2022 I received an email stating my Discover account ending in XXXX was closed " because we were unable to verify personal information on your account. '' It is important to note Discover never attempted to contact me to verify any personal information whatsoever. Moreover, when I called Discover immediately after receiving the email, the department which deals with this issue was closed until Monday and only in operation Monday through Friday from XXXX to XXXX eastern standard time. Thus, making it impossible for me to rectify my issue and in turn having to accept the abrupt account closure without warning. The email goes on to state, " We will report to the credit bureaus that the account was closed by the creditor, and credit your account with your card rewards balance if you have one. '' It is important to note I was also never credited for my rewards balance. 

This is absolutely uncalled for. Discover never attempted to verify any personal information before closing my account, which did not even have a balance on it at the time. Discover was not even open for business when they sent this email. Finally, Discover is placing my credit in jeopardy for no good reason. This activity and behavior is completely unacceptable and Discover should not be permitted to close accounts for these unspecified reasons. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act Portfolio Recovery Associates Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

This account has also been paid in full/settled for a lesser amount. I would like to have the account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Capital Management Services, LP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Re : XXXX Credit card number : XXXX XXXX XXXX XXXX Credit Card Holder : XXXX XXXX Based on the Fair Debt Billing Act ( FCDB ) I disputed unauthorized charges totaling {$9700.00} on my credit card account number referenced above. I requested that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. These credit card charges took place in a period of five days ( XX/XX/XXXX-XX/XX/2018 ). Upon discovering these charges, I immediately reported them to XXXX and my account was closed. These charges were done online and XXXX is not able to provide proof of debt. Instead, they just provide the billing statement as proof of debt. I've written to XXXX twice, regarding my dispute of these charges. The written disputes were sent on XX/XX/2018 and XX/XX/2018 to : XXXX XXXX Customer Service Attention : Fraud Department/disputed chargesXXXX XXXX XXXX XXXX, SD XXXX. To this date, my account has been sent to collections and my credit reporting has been impacted. 
I am in desperate need of your help. 
XXXX XXXX XXXX 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 2015-04-03
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had a XXXX mortgage with XXXX XXXX XXXX. I requested under HARP a loan modification. 
XXXX XXXX XXXX approved me for the loan modification. I was instructed to make XXXX payments for XXXX months in a row of {$2800.00} each. I made these payments. 
XXXX XXXX XXXX sold my loan to Nationstar Mortgage. Since this happened in XX/XX/XXXX, I have had a nightmare of problems with Nationstar. 
They did not accept the former XXXX XXXX XXXX loan modification. They are insistent this loan is a Home Equity Loan which they refuse to modify. IT IS NOT A HOME EQUITY LOAN. It is a XXXX MORTGAGE. 
For the past XXXX years I have tried to get Nationstar honor the agreement I had with XXXX XXXX XXXX for a loan modification and they have denied my multiple requests. 
I have spoken to at least XXXX loan representatives at Nationstar and can not get anyone to speak to me. 
I had XXXX representative tell me to make the monthly payments of almost {$3000.00} and I sent these payments on time to Nationstar. 
In XX/XX/XXXX, these payments were returned to me in the form of a Nationstar checks. 
Now, I have received notification that my home is moving to FORECLOSURE!! 
This is an outrage and I do n't believe it is legal. 
I need some relief immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: IL
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:
Thank you for reading my complaint. I contacted XXXX numerous times about allowing incorrect addresses to be on my credit report. I requested the information be removed and they would just send me stall letter, saying I didn't prove who I was. I would accompany a copy of the front and back of my identification, social security card, current bill and notarized letter. I have been asking for this to be removed from my account since 2019. I have asked for the method of verification and still nothing being provided to me.They are aware that I am a victim of indemnity theft and this institution hasn't helped me rectify this situation. 
-incorrect address -closed accounts that aren't mine -credit inquires -collection that isn't mine -incorrect employment - late payments that aren't correct I have been in contact with Equifax in regards to an account that they are allowing to be reported on my credit account. I have been reaching out to them since 2019 and they refuse to send me any method of verification. I have been writing them via certified and notarized mail, but the account hasn't been removed from my account. They are still reporting my name incorrectly, regardless of how many times I send in my proof of my identity. They are reporting a credit inquire that is incorrect as well. 
-inquires -incorrect addresses incorrect name -incorrect employment -late payments that aren't correct XXXX is still reporting four accounts that I have in formed them that aren't mine. They are still reporting my name incorrectly, incorrect employment and incorrect addresses. I have been contacting them since 2019 and to no prevail. they are also reporting credit inquires, that aren't correct. I contact them again and still no resolution. 
- incorrect addresses -incorrect employment -credit inquiries -accounts that aren't mine incorrect names -late payments that aren't correct Not only are they violating FCRA. There is section 604 15 U.S code 1681 B, Section 15 U.S code 1681 C-1 and section 605 B U.S code 1681 C-2

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: DISCOVER BANK
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have had a Discover card for over XXXX years and always have had my account set for automatic payments. 

In XXXX my checking account was compromised by criminals and my bank said that I would have to close my checking and get a new account with a new number. 

I called Discover on XX/XX/ and notified the rep that I had a new checking account number and that I wanted to manually process my XXXX payment and that I wanted my old checking account deleted and the new account added for automatic payments going forward. 
I read my new account number to the rep no less than four times. 

I ended the call, thinking that all was well and thought no more of the issue. 

On XX/XX/ during the middle of the day, I received a call from the collections department at Discover. 

I explained to the rep on XX/XX/ what my conversation with the rep on XX/XX/ was and how I had given them my new checking information. 
The phone rep said that Discover had tried to process my payment on my OLD account and that it had been returned. 

I gave the rep my checking information for the FIFTH time on XX/XX/ and she processed my payment and said she was adding the account to automatic payment. 
The rep went further to tell me that Discover would listen to the XX/XX/23call and would find out why the rep failed to perform his job. 

I left the call on XX/XX/ feeling that my issues were resolved and no further action was required on my part. 

OXX/XX/23 Discover did not process my automatic payment as they should have. 
Discover reported me as late on the credit bureaus. 

On XX/XX/23Discover reduced my credit limit from {$33000.00} to {$24000.00} which caused me to be over my limit, and also began charging me the " default '' rate. 

On XX/XX/ I called Discover, spoke to a rep named XXXX in the XXXX call center ( XXXX is her supervisor ). XXXX assured me that she would look into this issue and that she would call me back on my cell phone onXX/XX/23 at XXXX XXXX. 

XXXX never called, I waited until XXXXXXXX XXXX and called Discover onXX/XX/23I spoke to a rep in Ohio named XXXX. XXXX was very professional and at present says that he is still looking into the matter. 

I need for Discover to remove the late payment report from my account and from the credit bureaus immediately. 

I want my credit line restored back to {$33000.00} where it was prior to XX/XX/ and any default apr to be removed and the apr to reflect a customer in good standing. 

I want a written apology from DISCOVER. I have NEVER BEEN LATE paying DISCOVER.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-13
Company: AXOS FINANCIAL, INC.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have a lone with access bank for XXXX years, Never been late, we send a check in and it bounced because of issues we had the money at, there was plenty money at the bank. The access bank supposed to redeposit check but they never did, they waited 3 months then they send us the registered mail saying we are in the pre foreclosure mood and instead of XXXX, XXXX they want XXXX dollars, they never gave us prior notices that they want to play all this games and they pushed us to 18.1 % interest rate. Do not know what to do desperately need government regulation help to dial with this criminals.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: NATIONSTAR MORTGAGE LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My loan was purchased by Nationstar Mortgage LLC and they later stated that they did not have my home insurance escrowed as it was with the previous lender, XXXX XXXX XXXX. I had to pay my home insurance out-of-pocket. 
They took over a year to tell me that my escrow balance was deficient. 
My servicer agent told me he would call me back and let me know if I was eligible for assistance under any of the government programs ( ie. HAMP ) and did not. Next thing I received was a letter from their attorneys saying my loan was referred for foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
State: SC
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:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: EQUIFAX, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4500.00}, {$8100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT -- 1. XXXX CARD with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$4500.00} -This is not my account. 


-- CLOSED ACCOUNT -- 2. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, 2016 with a credit limit of {$8100.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Ive contacted all three Credit Bureaus regarding XXXX XXXX XXXX XXXX Credit Card for {$15000.00}, now it been sold to XXXX and the Inquiry that are on my report is also not mine Trans Union is giving me the most issue with this and will not help me nor remove this Fraudulent Account After sending them a New Police Report and a Letter showing this is Fraud what they are doing is Illegal. Before all of this I tried to have this fixed with the Credit Union Directly letting them know & showing them Proof that I never opened this account Ive never had a Credit Card with with them what so ever nor had I lived at the address they had for me in Texas EVER, they also refused to give me copys of the Credit Application.

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 2023-02-04
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
We closed our Synchrony Bank JCPenney credit card back in 2020- XX/XX/2020 according to my XXXX XXXX account. We suddenly got an email, and then a statement in the mail, announcing they were reviewing our account and found they owed us XXXX cents and will issue a refund with our next billing statement. We closed our account with them because of previous awful customer service and run around. Contacting us nearly three years later because they have kept the account active, or are reviewing a closed account, seems like a flimsy excuse to either keep it open or re-open it. My name on the account was XXXX XXXX, and my husband was also on the account, XXXX XXXX. I spent six months bouncing between JCPenney and Synchrony Bank getting them to honor the advertised conditions under which we had bought appliances through them, and the largest reason we closed the account after we paid it off. I have not contacted them because I don't want that contact to constitute some sort of agreement on my part to re-open the account, and I don't wish to waste more time getting the run around from them. We are so opposed to doing further business with this company, we took out a loan on my car to finance buying a garden shed rather than open another line of credit with Synchrony Bank, who did the lending for the shed company. When I tried calling their system it kept asking for the card number, but we destroyed the card when we closed the account.

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 2015-04-06
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to modify this property for years and the lender continuously "lost" our paperwork or "never received it." They have been not returning calls and even hanging up on us before I can reach the appropriate party. They have denied modifications because they say they haven't received paperwork we've sent numerous times. Now there is a sale date on the property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation