BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-28
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
This complaint relates to my mortgage, serviced by J.P. Morgan Chase ( " Chase '' ). 

In XXXX, I refinanced my home with Washington Mutual, and the loan was later serviced by Chase. My mortgage payments were timely paid from the refinance date through the end of XXXX. In XXXX, I filed a petition for Chapter XXXX Bankruptcy, and included my mortgage. The bankruptcy was discharged in XXXX of XXXX. I did not re-affirm my legal obligation to pay the loan. 

In XXXX of XXXX, a lawsuit was filed against Chase on my behalf to defend a foreclosure. The state court ordered a temporary restraining order. Chase removed the matter to a federal district ; this matter was later dismissed. 

Following the dismissal, Chase again attempted to foreclose on my home. On XXXX XXXX, XXXX, I filed a complaint with the Consumer Financial Protection Bureau against Chase regarding their mortgage practices. This foreclosure was cancelled pending Chase 's investigation. 

On XXXX XXXX, XXXX, Chase sent me a loan modification mortgage assistance package. In a letter dated XXXX XXXX, XXXX, Chase approved me for a trial payment plan XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX ). 

In XXXX XXXX, Chase offered to modify my loan and I accepted the offer. The purpose for the Agreement was to modify my original loan with Chase. The Agreement remains in effect. During a recent application for consumer credit, I was informed that my modified loan and related payments do not appear on my credit report. 

On XXXX XXXX, XXXX, I called Chase to inquire about their failure to report the modification and monthly mortgage payments. Chase representatives responded that it appeared that I did not " reaffirm '' the loan during the bankruptcy proceeding, and as such they have no duty to report same to the credit bureaus because and I have no legal obligation to them. 

Chase 's response is faulty, as the modification is a contractual obligation between me and Chase that is legally binding, and is the same as reaffirming mortgage debt. The Agreement contains various loan provisions, including enforceability, obligations, maturity dates, and payment schedules. Such provisions clearly relate to XXXX parties financial and /or legal obligations to comply with the terms of the Agreement. 

It is unconscionable for Chase to state that the Agreement modifying my mortgage loan and the payments are not reportable to credit bureaus, because I allegedly did not " reaffirm '' my debt. It is clear that despite numerous lawsuits against Chase, its practices continue to be anti-consumer. 

My request is for Chase to immediately notify each credit agency ( XXXX, XXXX and XXXX XXXX ) of the modified loan and report all payments under the trial payment plan and Modification Agreement. These payments are from XXXX XXXX to the last payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: Clarity Services
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I notified Clarity Services, Inc., FEI/EIN Number XXXX about my credit being pulled over 10 times with no response. I emailed them a disclosure form to release information to me only to receive a consumer credit report with no explanation of why or who they pulled my credit for. I have only authorized one company to pull my credit and that is XXXX XXXX to which I received a credit card. i have not authorized Clarity Services to ever pull my credit or anyone else other than XXXX XXXX. 

I have continued to contact and leave my information with Clarity Services only to be ignored. This company was fined XXXX dollars for this type of behavior and it seems they are continuing to act in an illegal manner by pulling my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX : Account was Paid in full and it was agreed to be deleted from the credit bureau upon full payment. It is still appearing on the credit and with a balance. Please correct.

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 2017-03-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX sold my credit card balance to a debt buyer XXXX, whom I immediately paid. Subsequently, XXXX purged the account history from my XXXX and XXXX credit reports, but left it in my experience as unpaid. It is impacting my ability to get a car loan and refinance my high interest debt. 
I believe XXXX should remove the account from my experience credit report as they did with the other XXXX bureaus because there is now way to retroactively represent what actually took place and the current reporting data is not correct.

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 2017-02-15
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In the personal info page, there are XXXX addresses where I have never lived or had any family member lived there XXXX , XXXX and 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 non-monetary relief
Consumer complaint received 2015-08-30
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
My husband and I have a credit card through Chase. On XXXX/XXXX/15 I set up an automatic payment of the balance due each month through Chase 's website. I received confirmation that Auto Pay was set up from the XXXX/XXXX/15 bill going forward. I then received a phone call from Chase saying that my bill was overdue and unpaid on XXXX/XXXX/15. After speaking with customer service, I discovered that my payment did not go through for some reason, although Chase could n't explain why. I made a payment through Chase 's website on the same day and corrected the banking information they had for the next auto pay. When I received my next bill, it said in bold letters " Auto Pay is ON. '' I called Chase Customer Service on XXXX/XXXX/15 and they confirmed that Auto Pay was on. I therefore did not schedule a payment through my bank for the next bill cycle due XXXX/XXXX/15. On XXXX/XXXX/15, Chase Customer Service called my home and told my husband the bill had n't been paid, said he " was a deadbeat '' and " had obligations. '' This same day, I called Customer Service back and they told me that Auto Pay was NOT on, and had been deleted on XXXX/XXXX/15, although Chase did not avail itself of any of our contact information to inform us of this. Chase refused to credit the {$25.00} late fee, so my husband cancelled the card and I scheduled a payment of the full balance due through my bank. I am requesting a refund of the {$25.00} late fee since this was an error that I thought was previously resolved. Chase 's collections department should not be calling customers " deadbeats '' when they have been paying their bill IN FULL, every month for years until trying to use their ridiculous auto pay service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-16
Company: D&A Services, LLC
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The action of the debt collector is on a expired statute of limitation greater than XXXX XXXX XXXX. The debt collector acts as fourth party to collect debt, originally XXXX, then XXXX XXXX ( acquired XXXX 2011 ), then indicates current creditor is XXXX XXXX XXXX XXXX XXXX ( debt collector under Federal law is not : A creditor ), and fourth party debt collector D & A Services seeks to collect on the " Re-Aged '' debt. The debt is not owed and the debt collector can not act as " Creditor '', violating Fair Debt Collection Act

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had a mortgage originally with XXXX XXXX without a escrow account. The mortgage was purchased in XXXX by PNC and in XXXX my wife sent a check to XXXX XXXX to pay property taxes and XXXX PNC stated the taxes were not paid and the county did not receive the payment. I reimbursed PNC in XXXX XXXX and called the XXXX XXXX XXXX office to no prevail. Everything was fine until XXXX XXXX, PNC stated I had an Escrow account which I never had and if I did I questioned a PNC representative why did you refund me the Escrow check in XXXX of XXXX. I continued to make my regular payments never late and they placed me into pre foreclosure. I have an attorney working on the foreclosure and filed a complaint with Illinois Attorney General office as well. They continue to take my money sometimes they refund the payments which they stopped payment on when I deposited the check into my bank account and report this late on my credit. I am in the progress of selling the home and need your assistance to get this resolved. 

I am also part of the class action lawsuit with XXXX XXXX XXXX/ PNC Mortgage on discrimination which was handled by your organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In 2012 I set up a temporary account for a one month rental we had at a house in XXXX XXXX XXXX, GA, just outside of XXXX. I closed the account after we moved out and paid the bill fully. Someone else moved into the house a month late, activated the account and then never paid the bill. 2 years later I got a bill, filed a complaint to XXXX and then they handled the dispute for me and said it was all taken care of. 

Two weeks ago I applied for a mortgage to buy my first home and my mortgage broker let me know that there was a negative file for " closed '' dispute on my file for XXXX for XXXX. I have called, emailed, called, emailed and have gotten no response from XXXX. 

This is significantly hurting my score and lowering my approval process on my loan. I am really upset that someone was able to use my identity, get this account set up and then after hours and hours of calls on the phone with XXXX I was told it was all handled and now 2+ years later its effecting me negatively. 

PLEASE HELP!

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 2018-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My identity was stolen and my credit card was hacked. Charges were made over the course of 2 months by the time i noticed the charges. Charges started in XX/XX/XXXX and fraud was reported first week of XX/XX/XXXX. Capital one refunded the amount of all the fraudulent charges and a few months later they said their investigation determined there was no fraud and they charged me for approximately {$14000.00} worth of fraudulent charges. The gentleman investigating the fraud, XXXX, would not allow me to submit additional information to prove that the charges were fraud. Charges were made in multiple cities/states on opposite sides of the nation and i had proof that i was not even in the same state as some of these charges. Capital one was unwilling to work with me, unwilling to share information of their investigation, unwilling to accept any additional proof that i did not make charges, and XXXX refused to connect me to a supervisor. He told me that if i didn't like his decision that i would have to hire a lawyer. He refused to give me any information ( email, address, phone # ) that i could have a lawyer reach out to as well. I have had to pay the full amount of fraud to avoid any interest charges and i am looking to be made whole, either through the consumer finance bureau or through legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-01
Company: Io, Inc.
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a bill for {$150.00} from XXXX XXXX and sent a money order for {$150.00} to XXXX XXXX XXXX, XXXX, Maryland XXXX via united states postal service mail and delivery confirmation reports it was received on XXXX/XXXX/2016 at XXXX. Despite this, I received a letter dated XXXX/XXXX/2016 from Receivables Management Systems ( a collection agency for XXXX ) reporting that I have a remaining balance of {$54.00}. I do not, because I owed {$150.00} for the service and paid it in full in XXXX 2016.

Company response to consumer: Closed
Consumer complaint received 2015-10-14
Company: Aargon Agency, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was injury at work XXXX XXXX this bill was to be paid by the state of Florida Division of Risk Management. I have gave the company all the information on this case and they still keep holding me accountable for it. This the information that I have gave to them for this bill they need.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 2016-08-30
Company: Hollis Cobb Associates
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This Company named Patients Accounts Bureau and the caller 's name is XXXX XXXX calls my number every hour starting at XXXX. I have repeatedly stated that I am currently unemployed and have not worked for 3 years. 

At first the calls were once or twice a week, now this company is calling every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Dear Sir/Madam, I am writing to request you open an investigation surrounding what I believe are unfair, improper and perhaps even illegal practices engaged in by ExperianIn XXXX of XXXX I suffered a significant financial blow when a business I owned failed, which ultimately necessitated a bankruptcy filing in XXXX of XXXX. 

I had several accounts with XXXX XXXX, all of which were in good standing until XXXX XXXX. Up till that point, I had never had any inaccurate credit reporting, or felt poorly treated by XXXX, and in fact had a stellar reputation with them and a very good credit rating overall. 

In XXXX of XXXX, XXXX was notified, as were all of my creditors, as to the Bankruptcy proceedings. At that time the accounts mentioned should have been reported to credit bureaus as " closed ''. 

Further, XXXX has repeatedly, and with what seems to be malice and purpose, incorrectly reported the disposition of my accounts to The Credit Bureaus. I have tried to resolve this by opening over XXXX investigations with each credit bureau, sending supporting documentation including bankruptcy orders, discharge orders, etc. to the credit bureaus, sending the same documentation to XXXX as well as having my attorney contact XXXX. Ultimately this has yielded " XXXX '' results, and the Credit Bureaus, despite my submission of supporting and explicit documentation, claims XXXX has verified the reporting. It is my belief this constitutes a willful and purposeful intent to harm me as a consumer, and is a violation, at the very least of the FCRA, but may consist of even more severe violation of other laws and/or regulations. 

XXXX has consistently incorrectly reported account on all XXXX of my reports in this way and despite supporting documentation to the contrary, the credit bureaus continue to incorrectly report it : '' XXXX '' accounts showing them XXXX, thus severely damaging my credit rebuildingHas reported accounts as being enrolled in a " wage earner program '', which has never been the case, and has damaged my credit worthiness. 

Is reporting most accounts as closed XXXX XXXX, even though they should show closed in XXXX of XXXX, which is severely damaging my credit rating. 

Has/Is reporting accounts as " open and late ''. 

the credit bureaus refuse to revise these inaccuracies, and seem only willing to list what XXXX tells them, despite my myriad documentation to the contrary.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-08
Company: CHARLES SCHWAB CORPORATION, THE
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have a Charles Schwab checking account and brokerage account for more than one year, and one day, they suddenly think I am doing fraudulent things and they closed all my accounts later. I did n't do anything illegal at all, I ca n't endure it!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Bank of America took {$1.00} from my Checking account at   XXXX   XXXX   without my Permission,, I called  XXXX   XXXX   XXXX   and ask about the withdrawal and they said that Bank of America gave no reason for the withdrawal and t hat BofA ha d the routing number and Checking account number. I then called Bank of America and ask them about the withdrawal from my  XXXX   XXXX   XXXX   account,,, I was on the phone wi th BofA for about 30 minutes, transfer 3 times and they said they couldn`t find any reason why BofA would take  {$1.00} from my  XXXX  Checking account and that I needed to check with  XXXX   XXXX   XXXX    , , I t hen ask then who gave them permission to withdraw the money from my   XXXX   checking account and where they got my routing and checking account numbers, they COULD not tell me,,,,, My   XXXX   checking account shows the {$1.00} withdrawal to Bank of Americ a on   XXXX   XXXX ,   XXXX  ,,,, , ,NO offer o f returning the money has been made,, I WANT MY MONEY BACK,,, a nd one more thing, the phone call to Bank of America , where I was transfer 3 times, was also recorded by Bank of America , I believe that  was on  XXXX   XXXX  or  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 2015-09-07
Company: Windham Professionals, Inc.
State: DE
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Response to your 3rd Party Collector Letter of Threat by Mail. 
The indictable offense of using the mails for the transmission of threatening matter. XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX : XXXX XXXX XXXX XXXX XXXXDear 3rd Party Collector, As I have NO Contract with you, you have threatened me by mail and if you proceed any further I will see you in court under charges of Mail Frauds and Threats. As of today I have presented a Credit Set-off Settlement to the " XXXX '' for the full billing amount, along with an IRS XXXX in full compliance with the XXXX Laws XX/XX/XXXX. They have 3 days to comply. 
If they should decide not to settle this matter I shall see them ; not you in court. For the fore mentioned charge of Mail Frauds. 
Thank you for your timeHonorably, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
Hello, I currently have a savings account open with Wells Fargo and reached out to them a few days ago regarding a credit transaction to my account ( direct deposit ) that occurred on XXXX. I do not recognize this transaction, I am unaware and unsure of where this money is coming from but it is NOT mine and need to close off this account effective immediately, however Wells Fargo said they would leave the account open until they finished an investigation as to where this money is coming from. 

This is the transaction : XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX, XXXX {$97.00} I have checked my account once more today to see if the funds have been debited once more and they are not only still there, but also I have received yet ANOTHER credit to my account from the same source, listed below : XXXX/XXXX/16 XXXX XXXX XXXX {$130.00} I have tried reaching out to Wells Fargo, numerous times today unsuccesfully. Their customer service support line keeps dropping me despite their service saying it is 24 hours a day 7 days a week. 

These deposits are NOT mine. I need to close off this savings account. I DO NOT RECOGNIZE THIS MONEY. I want it pulled out of my account and I need help with closing off this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In 2010, we combined a first and second loan ( home improvement ) through Wells Fargo Financial in Texas. We told the WF rep that we wanted to combine the first and second at a 30-year fixed rate. The representative assured us we had the 30-year fixed rate loan and to sign the papers, which we did. We later discovered he had given us a 40-year simple interest loan. The would not allow us to include escrow for taxes and insurance. Wells Fargo Financial dissolved and Wells Fargo Home Mortgage now has our loan but wo n't refinance the 40-year loan to a lower term. Our principal has increased and not decreased at all. The interest is more than the payment each month. We are current and feel we were taken advantage of as we would have never signed a 40-year loan had we been told about it.

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