BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Lender : Chase Home Finance LLCLoan # XXXXI tried to assume my loan, which servicing by Chase, but received decline which I do not believe was fare and justified. My Bankruptcy was discharged more than five years ago, all derogatory accounts on my credit report were as part of my bankruptcy. After I received my loan modification in XX/XX/XXXX, I never was late on my mortgage payments, but because of my past bankruptcy my payments were never reported to credit bureaus, which had negative effect on my credit score. 
I have legal XXXX family house, and according to conforming limit in our area my loan amount can not exceed {$800000.00}, which if way above of my outstanding loan amount. 
I 'm single mother with teenager daughter living and maintaining this house after my divorce. During the divorce proceeds house was left to me and my daughter, and court ordered me to complete assumption within one year. 

My current mortgage is much higher than my property value because we bought this house on the peak of the real estate market and during the recession value of my house has dropped. As of XX/XX/XXXX, my outstanding unpaid balance around {$520000.00} and deferred principal balance {$57000.00}, and my house marker value around {$540000.00}. By selling the house I will end up owing the bank substantial amount of money which I do not have. Therefore, to sell this house or even do the Short Sale this will have excessive negative financial effect on me, will affect the credits, reporting canceled debt as income to the IRS and paying taxes under the capital gain, and/or layout money at the closing. I can not sell or refinance my house. 
I do not see any valuable reasons for Chase to decline me for loan assumption when I 'm a good Chase customer who never miss or been late on mortgage payments. 
I truly hope that Chase Home Finance will consider working with me and I am looking forward to assume the mortgage so I can move on. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Select Portfolio Services ( SPS ) is in violation of Forced Placed Insurance, lying and deceit. On XX/XX/XXXX, SPS stated, " Lenders Placed Insurance In your inquiry, you question SPS adding Lender Placed Insurance ( LPI ) to the account. SPS does not show that any LPI has been added to the account. '' However, in correspondence ( certified mail ) from SPS dated XX/XX/XXXX and received XX/XX/XXXX, SPS states, " This is your second and final notice that our records show that your hazard insurance expired and we do not have evidence that you have obtained new coverage. Because hazard insurance is required on your property, we plan to buy insurance for your property ... ... ... ... ... .. The insurance we buy : Will cost an estimated {$1100.00} annually, which may be significantly more expensive than insurance you can buy yourself. '' On numerous occasions I have explained to SPS they have no legal security interest in the property they now claim to be placing forced placed insurance on. The legal description in all notes and mortgages do not coincide with the property they are now fraudulently trying to place insurance on. SPS continues to conduct business in a fraudulent manner and continues to go unchecked by appropriate authorities. I demand appropriate action by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2015 around XXXX, I went to the bank CHASE with branch in XXXX XXXX XXXX NJ, with my daughter to deposit {$200.00} dollars in cash. The bills I deposited were XXXX XXXX XXXX {$100.00} bills -each. After I deposited the money, the ATM machine malfunction and told me it was having technical difficulties, and it printed a receipt saying " that the ATM was having technical difficulties ''. After we stayed outside of the bank for XXXX minutes wishing that the money will come out, it never did and that 's when I called the claims department and they told me that this was going to take about 10 days for them to investigate the irregularity. I provided them with my email address and mailing address to receive news about my money, which I did n't receive any notification, until I called after the 10 days on XXXX XXXX, 2015. The customer service representative that I called informed me that there was nothing I could do since the claim was already closed and the investigation concluded that no money was found in the ATM. I tried opening a XXXX claim to find out what happened to the money I deposited in the ATM, but the Chase customer service representative did not allow me to, saying that there was nothing I could do anymore. I then went back to the XXXX XXXX CHASE branch on XXXX XXXX, 2015, to speak with the branch manager about my situation but he was not there, so I came back on XXXX 2015 to speak with him with the help of my daughter who was with me on the day I deposited the money and my son. The branch manager told me that he was going to follow procedure but most likely the result would be the same that my money would not be found. 
I did mentioned that it came to my attention thanks to a CHASE bank taller that the ATM machine I used on that day malfunctions constantly and the bank has not done anything to replace such machine. I am very upset that in order for CHASE to check security surveillance and other possible ways of find out the truth, they refuse to use those ways. I am hopeless to get my money as I live paycheck by paycheck and I have bills to pay, I lost XXXX XXXX dollars and CHASE is responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Chase lowered my credit limit. This was done even though I have XXXX accounts with them and have never been late or missed a payment. By lowering my credit limit my ratio of balance to limit will hurt my credit score through no fault of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: Mid-Atlantic Finance Co., Inc.
State: TX
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 an account on XXXX and XXXX  that is a charge off and the account is 7 years and 6 months old and it has not been removed from my credit report as promised can you please assist me with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
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: Account status incorrect

Complaint:
In XX/XX/2018, I brought my mortgage current by paying the past due amount on the account. I was informed by the mortgage company that by doing that, my account will now be reported as current. My recent credit report is still indicating my account is 120 days delinquent which is inaccurate. I have contacted the mortgage company and they keep telling me that they have fixed the issue, however, my two recent credit reports are indicating they are still reporting inaccurately. I am requesting that XXXX update the 3 credit companies with the most current account information and stop reporting the account as being 120 day delinquent which is inaccurate. Additionally, I only have one account with XXXX but they have two accounts listed on my credit reports which is also inaccurate and i need then to delete the additional account on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit and seen some fraudulent accounts this was one I  have no clue about I wouldnt want anything from the merchant

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
My private student loan is currently being serviced by XXXX XXXX XXXX. I called to defer my payments for the amount of time that I expect to be on maternity leave but I was denied because I do n't meet Chase 's requirements for deferment. And that my reason for applying ( XXXX ) was not a temporary situation. When I asked what the requirement guidelines are, I was told that Chase was under no obligation to provide that information to me. I tried to work with them but now I am afraid that I will have no option but to default on my loans while I am on unpaid maternity leave. I do n't want to receive collection calls while caring for a newborn, that will only add to my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: MoneyLion Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XXXX XXXX I requested a withdrawal from my Moneylion investment account. At the time there was {$250.00} available for me to withdraw. I requested the withdrawal in the Moneylion app ; the transaction was approved and I got a notice that funds would be sent to my XXXX checking account in 7-10 business days. On XXXX XXXX I received an email from the Moneylion support team which stated that due to a " system error '' I was allowed to withdraw an amount that exceeded the balance available for me to withdraw and my request could not be processed. When I logged back into the Moneylion account I noticed that not only did the amount available to withdraw decreased significantly, but there is also about {$59.00} missing from my account. When I logged into the Moneylion account to request a new withdrawal the amount available changed to only {$6.00}. There is a total of {$400.00} in my investment account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was charged a {$34.00} service fee for non sufficient funds.. .however I have always received text informing me my balance is low and showing any pending transaction that would potentially put me in the negative, however I never received any notification prior to them posting an NFS charge. There is supposedly a grace period of XXXX Est to put funds into your account to cover any pending transaction. However on this NSF I received different information by XXXX different reps as to why I received the charge. One stating it was due to a pending transaction from ( XXXX ) that supposedly posted at XXXX, one minute prior to the time allotted to put funds into an account to cover any pending transactions. The other stated it was from a restaurant vendor that showed a different pending amount from the actual posting amount. I failed to get a SPECIFIC reason for the NSF as well as an explanation to why a text was n't received that my balance was at a - {$7.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-15
Company: Ability Recovery Services, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company is calling my cell phone number and home phone. I answered one call and was asked to provide personal information. I inquired about what the call was for and the company refused to state on what debt they were trying to collect for. Once I refused to provide the information, the caller abruptly hung up while saying I should check my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: EQUIFAX, INC.
State: KS
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:
I have inquiries on my credit report that I believe to be unverified and not valid. I have reached to all three credit bureaus ; XXXX XXXX, XXXX, Equifax via letter mail with detailed information of the inquiries in question and have informed them of my issue and requested that they either provide me with proof and validation of these inquiries or remove them from my credit report immediately. Two of the three bureaus responded with copies of my credit reports and letters stating that they would investigate further. I have not heard back from Equifax. After allowing the bureaus 30 days to respond and complete their investigation, they reply with statements saying that the inquires in question can not be found or that the investigation has been complete and send more updated copies of my credit report. The credit reports clearly indicate the same inquiries I am disputing and they remain unverified on my credit. This is an ongoing issue between me and the credit bureaus since early XXXX of this year. They are not providing me with the appropriate information and have not removed any of the unverified inquiries from my credit report, resulting in a present negative impact on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The date started in XXXX to XXXX for the interest for the the month to month with the bank I called an the person on the phone said that they would give the interest but they were at the house because of COVID break from home they answered the call, should of been the monthly interest

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 2017-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/2016 I paid off a Heloc " Home Equity Line Of Credit '' to Bank of America for {$240000.00}. I was never late during the seven years it was open. Within sixty days after the payoff I received a credit update that I was late on this account. I immediately disputed the item with proof to all XXXX bureaus and XXXX and XXXX Removed it immediately. XXXX is asking for something from Bank of America stating that I was never late. After hours of asking for that document with Bank of America letterhead, and multible transfers to different departments I contacted a loan officer at Bank of America who has been trying to help me, but getting absolutely nowhere. Please help me in this matter as Im trying to refi and my score is down due to their mistake.

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 2019-03-28
Company: Resurgent Capital Services L.P.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A few years back I was contacted by this collection company LVNV funding XXXX XXXX  XXXX XXXX SC XXXX, representing XXXX XXXX. 
I had settled this account and paid everything that I supposed to pay. I made an agreement with this agency. Any agreement the agency promise not to report anything negative on my credit report and to remove anything, and everything off my credit report In regards to this matter as long as I paid. This was an agreement between just collection agency and myself. However, I notice on my credit report recently that it was still present and showing that the account was still open. When basically it was pay to delete the information. Next thing was is that this should have never been on my credit report from the very beginning. Because agreement was reached with XXXX XXXX back then. XXXX XXXX didn't return after they made an agreement with me, and I paid them they turn this matter over to the collection agency. So I feel like I got betrayed by both of these companies, and both of these companies took advantage of me. I am trying to get these removed off my credit report immediately.. 



Below is my information back then, before I relocated out of state. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX New Jersey XXXX, telephone XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: TENET HEALTHCARE CORPORATION
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
Was seen in XXXX XXXX XXXX ER on XXXX/XXXX/2015, Paid {$25.00} @ ER balance owe {$750.00} ..I have paid {$25.00} on XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015 and XXXX/XXXX/2015. Received letter from Central Finanical Control stating my account has been with them for collection in amount of $ XXXXnot understanding why was my bill sent to collection and im attempting to pay what I can due to lack of work and illness

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
We are buyers of a short sale property from Bank of America. We went through the negotiation process 10 weeks ago and agreed to their price. All paperwork, including the XXXX Affadavit have been filed, but still no response from the bank. The seller 's realtor does n't respond to us, yet has $ XXXX of our money! We were given a close date ( on or before ) which is now 3 weeks away. Using that close date we sold our house with a close date 3 days later. If we do n't get an approval letter from Bank of America soon, my family - including a XXXX year old and XXXX year old - are not going to have a home leading into the winter months of Massachusetts. I ca n't call Bank of America because I am not the seller, so I have no idea how to get information on where we stand. My mortgage company wants the signed approval letter or they wo n't approve my mortgage either. How do I get Bank of America to move on the approval letter?!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: EQUIFAX, INC.
State: WI
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 submitted 3 collection accounts for dispute with Equifax at the end of XXXX. Their determination was timely, but incomplete and incorrect. I submitted the exact same disputes to XXXX  and they removed the collections from my report. Equifax removed one, and said that the other 2 are valid, when they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
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: Public record information inaccurate

Complaint:
I have filed a dispute in regards the incorrect items on my credit report. It has been well over 30 days and i haven't received my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: Stevens Business Service, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company keeps sending me bills for XXXX XXXX XXXX bill that belonged to me tenant in the upstairs apartment. Not sure how the bill got in my name but they keep harrasing me about it and even put it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: CITIBANK, N.A.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Citibank ( studentloan.citibank.com ) online account password requirements do not allow passwords longer than 8 characters. Per NIST guidance, password maximum limit should be at least 64 characters ( and 8 should be the lowest minimum allowed -- not the max, and not for sites containing sensitive data ). I am concerned about the privacy of my information on the Citibank website due to the password limitations. I contacted Citibank over a month ago and asked them to extend the password maximum character limit to a reasonable value, but, so far, they have not done so or indicated that a fix is in progress.

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 2021-04-27
Company: EQUIFAX, INC.
State: AZ
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:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation