BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-02
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card
Issue: Rewards

Complaint:
The XXXX website advertised a credit card with a XXXX mile bonus for spending {$1000.00} in three months. I signed up for the credit card. I was immediately approved and emailed a cardmember agreement. This agreement did not mention that the original offer had changed. Several weeks later I received the credit card in the mail with another copy of the cardmember agreement. I did not look too closely, as I had already reviewed the one that was emailed to me. Supposedly, this XXXX changed the original terms of the offer I signed up for, saying I had to spend {$2000.00} for a bonus. After three months, my bonus did not appear. I checked the chase website and saw again the bonus listed for {$1000.00} and XXXX miles. There was no mention of any other offer anywhere. I called Chase to find out where my bonus miles were, and they said I had been processed to a new offer. They did not make this clear to me anywhere, at all. They told me that in order to receive my bonus, I could try to " close the card and reapply ''. I said I did n't want to do this as it would hurt my credit score. They " assured ' me this would not be the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: Source Receivables Management LLC
State: DE
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on SOURCE RECEIVABLES MNG ( Original Creditor : XXXX ) ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have derogatory mark on my file from XXXX XXXX. I called and got a pay off amount a good while ago and paid it off and suddenly they say I owe $ $ XXXX-If I were paying them off why would I not pay {$2300.00}? This is an error and I want it removed from all XXXX credit bureaus as paid in full. Thank You

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
They keep closing ym account. In 2020 they closed my account for no reason at all! I did absolutely nothing wrong but because im a young XXXX man they assume im trying to do something wrong with my account if I try to send money with XXXX to another bank account because chase is walking distance to my home vs the other bank I use. It makes no sense these people are XXXX!!! 

I got a auto loan with chase a month ago and i had my online account setup so I can view my account details and pay my bills. Today I added a checking account planning to direct deposit my salary into chase and use chase instead as my bank because I prefer the app and online website. Hours later when im trying to sign in they locked my online account and I called and they won't provide any info as to why I can't have a checking account. if there's no reason its obviously racism. 

Not only did they lock my checking account I can't login to my online account to view my auto loan and pay my bill. They want me to miss out on paying my bills so they can now destroy my credit!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Debt to Phoenix Financial Services is inaccurate and the ORIGINAL CREDITOR XXXX XXXX XXXX XXXX Hospital Acknowledged on XX/XX/2021 that the debt was paid in full by the updated insurance carrier that was effective at the time. XXXX XXXX XXXX received a full payment of the bill that was improperly billed by their staff on XX/XX/2021. I brought the information to to debt collector and the credit bureau and they are stating a debt is still owed when there is a {$0.00} balance for the date of service in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I XXXXhad made dposite in my wife acount didnte to do that now they holding it and my job already verify funds so i dont see the big issuse i need this resolved. Now thats my check. ..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have tried multiple times to dispute fraudulent and incorrect information on my report with Experian. Experian claims to never receive the documentation I mail to them, and denies all responsibility for investigating- claiming they need documents. They have started refusing to investigate disputes- which is a violation of my TX state and federal rights as a consumer. I have plenty of documentation to support my identity theft and that these accounts do not belong to me! 

I have called on multiple occasions and spoke with customer service, only to be told they no longer use fax, and to upload the documents online. Yet, Experian has locked me out of the ability to view or dispute information on my report online, and has also locked me out of the online document upload function. 

I am an identity theft victim, and have piles of documents to justify deletion and/or correction on the accounts I have been attempting to dispute. Experian is the only bureau that has repeatedly blocked me or locked me out from being able to dispute. I have not encountered this level of difficulty with ANY OTHER BUREAU! 

Again, I HAVE DOCUMENTATION TO SUPPORT MY DISPUTES. So much so, that even the original creditors have begun sending me letters explaining in detail that accounts had been opened fraudulently! Experian refuses to accept any of it, and claims to continue " losing '' or " not receiving '' my certified letters. If I ca n't reliably send this in my mail, how am i supposed to dispute this?? Experian has locked me out of every available option after I called explaining my trouble with this to customer service!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Chase Cards arbitrarily cut my credit limit on XXXX cards, XXXX of which I have had for XXXX years. I have not missed or made a late payment on any financing in over XXXX years. 
I am now financially strapped, trying to relocate and run my business, support my family, and deal with several major illnesses. The last thing I need is to receive a form letter telling me the computer thinks my limits should be lowered. 
I do not want anymore than a return to status ante and the credit I have earned.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
i have never recivied verification or proof of this debt, and this debt is reporting incorrect information, its not reporting the original date of debt ... .just the open debt date, which is two years later

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Tradelines are on my credit report that are not mine.

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 2021-09-28
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We tried to refinance our home with Wells Fargo, our mortgage loan servicer. Our current rate is 4.25 percent ( 30-year fixed ) and we have been with Wells Fargo for over 10 years. Our loan balance is {$270000.00} and our home is currently valued at {$700000.00}. I have a good credit and would like to lower the interest rate. Wells Fargo concluded that our home is considered as an investment property since I am not physically present in the house all the time. I am a XXXX XXXX XXXX XXXX  and I am currently stationed in XXXX XXXX. While I am away members of my immediate family including my wife and adjust children live in the house. This is our primary residence and we do not rent it. I explained this Wells Fargo multiple times and they concluded that our home is considered as an investment property and the interest rate they offered is higher than that of primary homes. The only conclusion I could come up is that Wells Fargo prefers to keep us locked in at the 4.25 interest rate so they can make more money. I think this is an improper business practice and I would like to submit a complaint. 

Loan application : number 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 2020-04-06
Company: Flagstar Bank, N.A.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to the COVID-19 pandemic I have experienced a significant loss of income. I own a small XXXX family home which I run as a short term XXXX  for the XXXX area. I've lost all my XXXX  for the next XXXX months - at a minimum. I have saved for an emergency but nobody has planned for something like this. 

I called Flagstar Bank - my mortgage services - and asked what I could possibly do to work out a deferment plan. They were adamant that there would be no deferment plans and only a forbearance was possible. I explained to them that I would not be able to make up that lost revenue and they told me in no circumstances would they work out a deferment plan for any of their borrowers. 

I have never missed a mortgage payment in 5 years and I work very hard on my credit score which is  currently at XXXX. I called as a faithful borrower who has done everything right and I was told that it was essentially too bad if I couldn't make a forbearance balloon payment at the end of this then they would proceed with foreclosure.

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 2021-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Recently, I submitted disputes to the consumer reporting agency TransUnion. I do not agree with their response and I was never sent a copy of my credit file. Pursuant to 15 USC 1681b ( a ) ( 2 ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Attached below is a cease and desist I sent to both XXXX XXXX & XXXX XXXX XXXX XXXX  XXXX XXXX in which I told both companies to cease communications. Communications involves reporting to consumer reporting agencies. Especially after both have failed to offer proper validation of debt and full material disclosure. XXXX XXXX XXXX XXXX  XXXX XXXX & XXXX XXXX replied with a cardholder agreement and statements that did not include my debtors rights or contract pursuant to 16 CFR 433.2. 

I am a victim of identity theft and kept requesting XXXX XXXX to send my original contract and they never could. Therefore I have filed an identity theft report, upon 4 days of receipt of this identity theft report, please immediately remove all associated accounts on this report pursuant to 15 USC 1681-c-2.

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 2016-07-12
Company: JPMORGAN CHASE & CO.
State: OK
Product: Credit card
Issue: Billing disputes

Complaint:
I received an email XXXX/XXXX/XXXX from Chase stating there had been " Unusual activity '' on my credit card account and they had closed it. Instructions were included to log on and reactivate. I closed this account years ago so I phoned Chase ( XXXX/XXXX/XXXX ). We figured out the email was fraudulent but during the call, I was informed there was a {$36.00} balance. They informed me of the last XXXX digits of the card, the date it was opened and the date closed ( XX/XX/XXXX ). I was placed on hold while the person attempted to locate someone to answer my questions regarding the balance. ( Where, by whom, when, etc. ) They were unable to find anyone to help me so stated someone would contact me and they gave me a direct number to call if needed in the future. As of XXXX/XXXX/XXXX I had not yet received any correspondence or communication so I phoned them again. I spoke to XXXX different people ( XXXX & XXXX ), was connected ( mostly on hold ) for XXXX. They stated they could not retrieve the information nor anyone to help me with my questions. I requested a supervisor and was told they were not available. I then requested the computer notes they had been inputting but was told they could not provide those. I requested the organizations/agencies which govern credit card companies as I needed to find someone to help me resolve this. XXXX told me she did not know of any. She offered no further suggestions on how to resolve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-19
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to refinance my home-during this process- J.P. Morgan/Chase is \ not cooperating, The liens have been discharged in a bankruptcy- No one will help me clear this up. 
I have attached the necessary BK discharge papers. 
Please help clear this up so we can refinance our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Why are banks allowed to process debits from largest amount to smallest, thus collecting more in overdraft fees? My bank Chase XXXX uses this practice to collect added insufficient fees!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-28
Company: HW Holding, Inc
State: FL
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:
Earlier in the year I had made a verbal request to the company ( Hunter Warfield ) to cease calling me. On XX/XX/2021 the company called me twice back to back ( from phone number XXXX ). Once at XXXX and then again at XXXX XXXX  eastern time zone. I called the company back at XXXX and requested that they stopped calling me. A male answered the phone and proceeded to ask me questions. I advised the representative that I just wanted them to stop calling my phone number and the representative rudely disconnected the call without honoring my request. On XX/XX/2021 at XXXX eastern, I received another phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: EQUIFAX, INC.
State: NJ
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: Santander Consumer USA Holdings Inc.
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The number XXXX called my personal cell phone asking for " XXXX and XXXX '' who are my brother and sister in law. I asked who was calling and the woman on the line refused to answer my question. Not only did she refuse to identify herself and refuse to tell me how she got my number, she simply said " we use whatever means we can to find people. '' I am a lawyer, but not an expert in the FDCPA, but it seems to me that the FDCPA shouldn't permit every XXXX in America to call my phone because I might be tangentially related to someone who owes them a debt. Apparently ( based on XXXX ) this is Santander auto loans and this is not the first time they've pulled XXXX like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: JPMORGAN CHASE & CO.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I closed on my mortgage about 2 weeks ago. Chase reached out to my mortgage broker yesterday where they told him they immediately needed a form which they had forgotten ( Notice of Right to Cancel. ) They have bugged my broker several times within two days and I have in turn been bugged several times. I have not been near a printer and have been unable to print this form. I will do this as quickly as I can but this pressure is unreasonable. 

Chase clearly lacks a proper control environment. Both the initial error ( why do they not have better controls for a Critical Business Service? ) and the follow up ( where do you draw the line for UDAAP? Why am I told that Audit is threatening my mortgage? ) This behavior is inexcusable from a lender who can not manage their own internal processes. 

Please tell Chase to invest in controls, not harassing me. Can you please give me a way to contact Chase? I asked to contact them and was told by my broker that this is not possible. If I am going to have to work with Chase as an investor, they need to behave better.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2.

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 2020-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I sent a wire ( wire reference # XXXX ) on Monday XX/XX/XXXX in the amount of XXXX. Bank of America rejected the wire for erroneous reasons ( all information -name, account #, etc. Match ). BOA rejected the wire and took a XXXX dollar processing fee ( wire fee ). They failed to do their job and process the wire. Because of covid-19 I don't want to go to a branch so did the wire option. They should be mandated to waive all wire fees during this crisis. I am demanding my XXXX dollars back.

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 2021-09-28
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
from XX/XX/21 - XX/XX/21 after several attempts to resolve the issue of not receiving an updated credit report. the company stated that the issue was my address was incorrect and was told that the issue would be corrected within 24 hours. i checked on the problem everyday till this day and the issue still havent been solved and im not able to take out any loans due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The LTV on my property gives me more than 20 % equity. The mortgage company is refusing to remove the PMI stating they based their value on the purchase price. They sent me a letter about my payments not being current which is not the case. I am current and have never been late. When I call them I was told that I have to have made substantial improvements to the property in order to have them order an appraisal. I told them I would pay for an appraisal and that was denied. Very frustrated.

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