BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-10
Company: JPMORGAN CHASE & CO.
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
My son lives in XXXX.XXXX-he purchased a new car.I told him I would co-sign on a loan for a car, just let me know and so I can read and go over the loan application before I will co-sign on a loan.Time went by and he went to purchase a car ( we did not know he found a car yet ) The people told him he had 2 days to get a loan-he said I lived in XXXX, XXXX and had to look over loan-fearing he had no time to get me to look at loan, he took it home and signed my name to loan.The auto people new he signed my name and gave him loan anyway, Again I had no idea any of this was going on.I never received loan application-never spoke to auto dealership or chase bank at all about a loan-never new until my son callled and said he got the car.If I had seen it I would of never of signed a loan with a 7.85 % car loan.They told him it would be 4 %, but at the last moment changed it to 7.85 % .We have tried to get them to take me off loan-my son told chase verbally and in writing I did not sign for loan and they still will not take this off my credit report-which chase put me on all XXXX credit reporting agencies with a XXXX loan.my credit score has dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card
Issue: Other

Complaint:
I have a chase XXXX Mileage plus club card that has a hefty {$400.00} annual fee. The credit card agreement promises various benefits including purchase/return protection. I had purchased an item on XXXX and unfortunately could not return it since it was pssed 30 days and my credit card return protection allows this benefit & lt ; 90 days from purchase. I called chase to make a claim according to the promised benefit l, however after nearly 2 hours and 8 transfers I am being told by chase that I did not have this benefit. Which is clearly not the case. They still advertise this still on their website and in the credit card agreement that hey had sent. The customer service and the responses that i got from the benefits adminstrators was absolutely horrendous.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: Prospect Mortgage, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
XXXX XXXX XXXX, 2014 I obtain a FHA loan from Prospect Mortgage, LLC. The in-house counsel member XXXX XXXX XXXX committed perjury in her email by stating that my mortgage loan was not sold to the secondary market. XXXX XXXX is the counselor for XXXX who is a subservicer for my original lender Prospect Mortgage, LLC. Moreover, the manager for Prospect Mortgage, LLC refuses to send me a letter stating that my mortgage loan was sold to the secondary market via XXXX XXXX. When mortgages are bundled up in contracts and transferred to XXXX XXXX, the mortgages are sold to other investors as stock certificates to the secondary market. The borrower promissory note is converted over to stock certificates when there pooled together with other schedule loans. I was able to obtain this information from the Securities Exchange Commissions. In closing, I am currently seeking legal counsel because I have a lawful right to know who actually owns my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Hunter Warfield calls almost daily in attempt to collect information from me on a relative. They have no right to try to use me as a source of information and such calls are simply harassment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: Ocwen Financial Corporation
State: AL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is in addition to complaint # XXXX against OCWEN Loan Servicing LLC . They have just sent me a letter threatening foreclosure on my home if I do n't pay a disputed accounting failure on their part. No specific date or month of the bill was mentioned ... .absolutely no specifics were mentioned just an extortionate threat to pay. I would gladly pay my bill only if they ( OCWEN ) could provide a definite hard copy bill of month and year in question .So far they have sent computer print outs with numerous omissions ... .I have signed up for their payment conformation program and they have not sent me a conformation in 3 months. This is a unscrupulous company running out side of the USA ripping off and strong arming / exhorting millions from it 's clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My house was current on payments. Another person 's bankruptcy took my house, held it for about 30 months, then gave it back to me. During that time they did not make any payments but collected the rent. I attempted to refinance but my existing lender would not cooperate with escrow and my new loan fell apart. I have asked for a loan modification but Chase again refuses to cooperate ( no returned calls, etc ) Now Chase has filed a notice of foreclosure sale but did not post the house and did not mail anything to me. I can not catch up on all the back payments that were started by the bankruptcy that was not my doing. All I want is to keep my house after working out some kind of loan modification with Chase. I feel this action by Chase may be due to me having a XXXX name or that I am a woman owning the house alone. 
This is urgent as the foreclosure sale is scheduled for XXXX XXXX, 2015

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: SUNRISE CREDIT SERVICES, INC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Several months ago, my XXXX cell phone XXXX was hacked and for two months I had charges of over {$5000.00} on my bill. Now I am a XXXX year old senior citizen who never texted, and rarely even used my phone, and my phone bill rarely exceed {$55.00} a month. After two months of back and forth with XXXX the charges were determined to a result of someone in the XXXX, area, where I have never been using several numbers on my account. I have lived in XXXX for XXXX years. When all was said and done, XXXX sent me a bill for {$110.00} which I do not owe. I have since moved on to XXXX. In addition to letters and a recent phone call from Sunrise Credit Services trying to collect this debt. I do n't need this harassment at my age and fixed income.

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 2016-10-14
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card
Issue: Rewards

Complaint:
I opened a Credit Card with Chase through XXXX to get XXXX bonus miles. The bold letters stated that I have to spend {$3000.00} in 3 months to get the bonus miles. My credit card statements billed me slightly over {$3000.00} ( I think it was {$3000.00} ) but Chase did n't credit me the bonus miles. 
When I called them they told me that the CC service fee does n't count as purchase and therefore I 'm below {$3000.00}. They state this fact is noted somewhere in the fine print. But this is a fairly critical fact and should be noted not in the fine print or a small foot note but up front with everything else. I feel cheated and deceived out of these bonus files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-29
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have a Chase card reporting on my credit report as a derogatory account. I have contacted Chase Card to inform them That i did not open a credit card account with them and wanted them to provide me with my signature requesting to be added as an authorized user on the account. Chase sent me a letter with no verification that requested that I was listed as an authorized user on the account. I want this account immediately removed from my XXXX, XXXX and XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In the last 3 weeks I am again receiving threatening phone calls from XXXX different agencies stating they are holding a summons in their hand to be served to me at my home or my place of work. They leave this message on my phone and tell me they are coming after me within XXXX to 48 hours. Each of the XXXX times I have replied to their calls, they ask my name and proceed with more threats of consequences and that it is Chase Bank filing the charges. When I continue to tell them it 's not mine, they told me a social security #, which, again, is not mine. Then they continue to interagate me until they finally say the attorney will remove my phone # from the list. This call came from, XXXX XXXX from XXXX. He told me to call the party who was filing the charges, but gave the same # that he was calling from. XXXX. When the phone call was answered they said " XXXX XXXX '', this is XXXX. He asked me if I was born in XXXX, I laughed and said no. ( I am XXXX XXXX XXXX ) The earlier call was from restricted # but gave me # XXXX to call back. It was from XXXX XXXX who continued on to tell me I needed to contact her within 1 hour to avoid any more consequences of the hostile order charged against me for not making contact. When I called that # it was XXXX. Again, this was Chase Bank filing charges against me. Gave me a ss # that was n't mine and she said she would remove my name and number but warned me of purgury. So I guess she did n't believe me and that 's why I got the other call today. How can I stop these threatening calls, they are very disturbing to me and frightening.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: JPMORGAN CHASE & CO.
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband and I fell behind on our mortgage. We were given the wrong information by Chase and finally after six months we were told what we could do. That was XX/XX/XXXX and now three years later we finally were approved for a modification and our payments were suppose to start in XX/XX/XXXX. We submitted our XXXX set of documents and they were rejected, we submitted our XXXX set and again rejected. So XX/XX/XXXX has come and gone and we submitted our XXXX set and it was accepted but the problem is they were accepted on XX/XX/XXXX. We are now two months behind on our modified mortgage! I asked Chase when will the payments start and I was told the date on the documents. Chase found something wrong with all of our documents! There was nothing wrong with them but they are dragging it out all over again! How can something designed to help you start out by drowning you? We are in the same boat we were in last time! So now we have to play catch up! That is not fair!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have been applying for the Teacher forgiveness loan for 5 years as of today. I have been XXXX 9 years and just began XXXX for the 10th year. I keep getting denied because I am not at a XXXX school. I have explained over and over that I ca n't help where the district places me. This year my family had to move to a new city which means a new district for me and I am the only XXXX ( for students ages XXXX-XXXX with XXXX ) in the district. As this is a brand new program in the district. I was placed on a campus due to the campuses size unfortunately I am not a XXXX school but I will receive XXXX XXXX school. I have explained it over and over but to this date they are not working with me or letting me qualify for a Teacher Loan Forgiveness program. Instead they keep informing me to apply for the Public Service Loan Forgiveness plan which I did XX/XX/2013. My payments are not being reflected as it shows that I owe them more than the original amount that I transferred over. I pay XXXX a month and my balance seems to continue to increase rather than decrease. It appears that my interest rate keeps going up and down. I am just at a loss why my principal continues to increase and why my loans are not being forgiven as I am a XXXX and XXXX students have been and will continue to be in XXXX. I work extremely hard in a very demanding field and I feel like there has to be something that they can do to do right by me and the work that I LOVE to do daily. I have been paying my loans for over 10 years I should qualify for all of my loans being forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: JPMORGAN CHASE & CO.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Approximately XXXXXXXX years ago when my student loans were with Chase Student Loans a " manager '' on a debt collection call threatened legal action to have a lien placed on my parents home and threatened further foreclosure action should the account not be kept current.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has led me to believe I am a victim of identity theft, as I did not approve any info to be used in my name.. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2016-10-18
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We settled a dispute with Chase regarding a mortgage loan on XX/XX/XXXX. They had n't reported on the loan to the credit bureaus since XX/XX/XXXX. Then, on XX/XX/XXXX, they reported us XXXX days past due. We do not even have a loan anymore with them to pay, yet alone be behind on. This is in clear violation of the Fair Credit Reporting Act, and yet one more malicious act on their part. I contacted Chase 's attorney to request removal and correction ; only to be ignored. This account needs to be reported as closed with a remark as settled for less than full balance per the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card
Issue: Transaction issue

Complaint:
I have a balance transfer with Chase Freedom and I find it absurd that for automatic payments, there are only XXXX options. Either to pay the balance in full or to make the minimum payment. Where 's the option to pay something in between XXXX automatically XXXX? I 've done balance transfers in the past with Chase and have always had to option to make an automatic payment that would enable me to pay of the balance before the APR went up .This seems like another slick maneuver by the Chase to make it more difficult to pay the balance off in full before the APR is set to go up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: Unifin Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company continues to call me even though I am not the person they are trying to reach. I have told them numerous times that I have no contact with the person they are trying to reach and have asked that they stop calling. They continue to call and immediately hang up. When I call them back it goes to an auto attendant that transfers me to an extension where noone is available and the voice mailbox is full and can not accept new messages. The number that is calling is XXXX ( Univin Inc. )

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: Mediation Recovery Center
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received this notification and I have no idea who this company is. It states original creditor is XXXX. My last contact with XXXX was XX/XX/XXXX. I was receiving calls from an unknown caller and I blocked the number because of repeated calls. I received a message via voicemail and the caller stated that this call is for XXXX ( which is my name ). When stating his/her name and the name of the company the voice sound was muzzled and incomprehensible. I do n't owe this company and my attempt to notify them in writing ( with return receipt ) will be unsuccessful because they did n't provide me with a physical address - they provided a P.O. Box. Please help me if you can. Thank you in advance and I look forward to hearing from you. 

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-01-05
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
HESAA IS REPORTING LATES ON MY CREDIT BUREAU WHICH THEY HAD PREVIOUSLY REMOVED. I WOULD LIKE ALL/ANY LATE REPORTINGS REMOVED FROM MY CREDIT BUREAUS. IT WAS PUT ON DEFERRMENT AND IS REPORTING LATE EVEN THOUGH THE PAYMENTS WERE MADE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23
Company: Law Offices Howard Lee Schiff, P.C.
State: ME
Product: Credit card
Issue: Other

Complaint:
I had a credit card with " XXXX XXXX '' which I fell behind on. The total balance was {$500.00}. This debt was apparently sold to " XXXX XXXX '' who then turned it over to " The Law Offices of XXXX XXXX XXXX '' for collection. XXXX XXXX 's office sent me a letter on XXXX/XXXX/XXXX demanding a total of {$800.00} for this bill. Although I am afforded 30 days from my receipt of that letter to dispute the debt I was not allowed to do that as XXXX XXXX 's office filed a small claims suit against me on XXXX/XXXX/XXXX, 18 days after sending me notice of the debt. They then sent me a letter dated XXXX/XXXX/XXXX indicating that " on XXXX/XXXX/XXXX '' I was served with a summons but can still settle the matter " amicably '' by paying their demand. As this is a credit card debt, it is subject to a non-binding arbitration agreement and as such, XXXX XXXX 's office was erroneous in filing a lawsuit. Notwithstanding this error, XXXX XXXX 's office filed this suit within 18 days of notifying me that it had taken over the debt and thus disallowing me the 30 days to which I am entitled to dispute the debt and request proof as the FDCPA affords me. The addition of {$300.00} to an alleged {$500.00} debt with the above FDCPA violations constitutes multiple unfair debt collection practices as well as abuse of the court system.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: Westlake Services, LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
West Lake Financial.. This is definately the worst company that I ever came across. I finaced a car back in XXXX XXXX. They repossessed my car for being 31 days late in XXXX XXXX. I agreed to 24 months with the car payment, I was scheduled to be done paying for the car in XXXX XXXX due to the company adding insurance to the account. West Lake, never called me and informed me of any repossession order. When they picked up my car I was unaware I had to call the police department because I thought my car was stolen, they informed me of the reposession. All of my items were in the car, it took 3 days before I was able to get my possession out the car. I lost money, jewelry, and my car was ram shacked. 2 weeks later westlake financial told me my car sold at auction for {$4000.00} almost {$2000.00} more than what i owed. Therefore, they were going to send me a check for the remaining balance but i had to send them a payment of auction fees before they can send me a check so being young a naive i sent them the fees and called them back to tell them it was sent and the number was disconnected. For years I heard nothing from West Lake Financial. However, They are currently reporting a balance on my credit report of {$640.00} for auction fees. This company has harassed me by calling my job and my personal cell phone stating that I would be arrested if I did n't pay them. When I contacted them to pay the debt to have it removed from my credit report they refused to remove the account but would take the money. The company refuses to respond to any certified letters, but they still call harassing me for payment. That I do n't owe. I sent letters to both the direct company and their collection agency. West Lake Financial reports on my credit but another company handles their debt.

Company response to consumer: Closed with explanation