BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Have a mortgage loan with JP Morgan Chase. When I took out the loan three years ago Chase stated that I would be required to pay PMI due to putting down less than XXXX % on the home. I recently contacted Chase to inquire about having the PMI removed and was told I would need to have a Chase approved appraiser complete a new appraisal of my home. After paying Chase {$450.00} for the appraisal Chase informed me that I have just over XXXX % equity in my home, according to the appraisal, but they would not remove the PMI. Chase now says I must have XXXX % equity in the home, not the XXXX % they originally informed me of. I filled a complaint with the XXXX, which made Chase open a case, reevaluate my situation. I was contacted my a Chase employee after the fact who stated my documentation signed at purchase does state the PMI must be payed until I have XXXX % equity in the home, but then states its not very clear, and that Chase will not remove the PMI. Chase has attempted to blame the investor, saying they now require XXXX % equity. 

Chase has mislead the customer and is refusing to remove the PMI from my mortgage loan when I have over XXXX % equity in my home, according to their appraisal and documentation Chase supplied me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card
Issue: Late fee

Complaint:
For the XXXX month in a row I was billed a late fee. I feel it is the banks falt and they have changed their rules to cause late fees. Chase no longer excepts online bill pay. I believe they have done this to save a penny end increase late fees etc. They will not email me will not email me when the bill is due, and they failed to send out the alerts as I signed up for, and failed to the research to see if they were sent. The bill was paid the day after the due date when I was notified, all bill are paid in full.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-03
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX I did a loan modification with my mtg. I was at 2 % interest rate and knew it was increasing eventually and that was fine. It then increased to 3 % and showed fixed rate until XXXX/XXXX/XXXX. On XXXX XXXX XXXX statement the amt due did not match amt due online which is how I always pay so I had to call them. After getting the run around I get a gentleman who tells me pay the amt that is showing XXXX. XXXX is always most accurate he says. Then says your interest rate will be going up in XXXX so in that case online is NOT correct the paper statements are. I said what the heck do you mean? It shows online no more rate changes til XXXX/XXXX/XXXX? He said well online is incorrect about that. Sorry, I said " your sorry '' that do n't help. My payment is going up again & your sorry your system must be wrong? I have turned away numerous phone calls & letters about refinancing. I believed I was now FIXED at my current rate & payments as long as my escrow did n't change? He said " I do n't know '' ... So I wrote Chase mtg a letter XXXX/XXXX/XXXX and as of XXXX/XXXX/XXXX as you will see with my attached documents they are still researching? They tell me XXXX story after another. If there was a truthful reason then why 4months later are you still researching? Please help me with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Chase assessed {$2000.00} interest on a {$6000.00} loan. They have never sent a statement so I can pay the interest charges as I do on my daughter 's other loan. I want to pay the interest going forward but I need statements. I also want the {$2000.00} rescinded since we were not made aware of it at ANY time from Chase. They lied and said they sent statements. They have never sent a statement to any address my daughter or I had. And I was int he same place for 14 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2016-05-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have disputed twice now with Equifax regarding information on their reporting related to XXXX XXXX XXXX XXXX. Twice I sent in the FTC affidavit, police report, the federal guidelines, and my IDs disputing the same XXXX XXXX XXXX information with XXXX as the collecting agency for {$1900.00}. Once in XXXX XXXX and another in XXXX XXXX. Everything required of me by the guidelines on the FTC website, I followed. After filing in XXXX XXXX, they removed the fraudulent information, but then reinserted it. I filed another dispute, and they have not responded. XXXX and XXXX received the exact information, and they have already removed the fraudulent information -- and they informed me of the update. Equifax has never responded. All I got from Equifax was that it was under investigation -- this was back in XXXX of XXXX. To my dismay, I just found out on XXXX website that Equifax has not removed the fraudulent information that I disputed. 

2nd Complaint : I 've attempted to call and it is virtually impossible to get through. 

3rd Complaint : Equifax refuses to grant me access to receive my free credit report online once every 12 months per the Fair Credit Reporting Act ( FCRA ). Whenever I attempt, I keep getting a message that I need to call customer service. They had initially sent me a code to use to access online, and it gives me an error message. When I do call customer service, the hold time is incredibly long or unresponsive -- it 's borderline fantastical. I have attempted on different browsers and different PCs and still get the same error message. I have never had an issue with XXXX or XXXX. 

It 's been two attempts and 10 months since I initially submitted my dispute with Equifax. This is going on too long. Again, XXXX and XXXX received the exact same documentation and removed the fraudulent information. Equifax has not removed the fraudulent information, and Equifax has not even responded to me as to why it has not. The taste left in my mouth, this past year, is that Equifax either wishes me to not be able to check my credit report and/or they have no desire to remove fraudulent information from my file. In researching my complaint with Equifax , I 've come across other individuals who are just as equally dismayed at Equifax regarding everything contained therein this dispute. I notice that past fines and successful lawsuits have been assessed towards Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
On XXXX/XXXX/2015 I attempted to access my chase checking account for a periodic balance inquiry. however when I entered in all of my previous known login credentials online for this checking account, the chase bank website prevented me from accessing my account providing me with an error message indicating my login credentials were not correct. So I Immediately called Chase Customer Service to rectify the problem and to my dismay the rep i spoke with indicated my login credentials were no longer valid nd he advised that my username and password I used for the previous XXXX or more years as a chase customer with the same checking account had been recently changed. After he mentioned this I realized that my identity/personal information and login credentials were stolen. After providing this information to the customer service rep over the phone my account was flagged for fraudulent activity with no further access allowed until I was able to provide personally identifying information, along with a police report number to a local chase bank branch the next business day they were opened. I filed a PR with the XXXX, AZ police department explaining the situation and I was provided with a PR number. After speaking with several chase bank reps this same day i found out my identity was stolen, they indicated that on XXXX/XXXX/2015, XXXX/XXXX/2015 and XXXX/XXXX/2015 a total of {$2400.00} in total had been paid out to a mutual chase customer through their chase quick pay electronic payment service. I advised them that this was not authorized by me and that the suspect who is also their customer stole my identity and login information to hijack my account and pay himself money out of my checking account without my knowledge. Chase fraud dept took my claim information this day and advised me to follow up so i did and I complied with all of their investigative requests only to receive a letter on XXXX/XXXX/2015 indicating they completed their investigation found that the transaction was processed correctly or was authorized and that no adjustments for a credit to me for the same would be made to me. Shortly thereafter I eventually closed this account after being with chase bank for over 10 yrs due to their lack of caring, lack of investigation and allowing fraudulent activities to occurr on their account members personal accounts. I believe that Chase bank should be held accountable for their careless reactions to this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance to the Fair credit reporting act. the following creditors has violated my rights15 USC1681. section 602 states I have the right to privacy. 15 USC 1681 section 604 a section states that a consumer reporting agency can not furnish any account without my written instruction to consent, nUnder 15 USC1666b a creditor may not treat a late as late for any purpose payment on an account XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX Ive sent numerous of certified letters to agencies asking of removal of all inaccurate information according to 15 USC 1681, USC151681sec 604, 15 USC 1666b.

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 2016-06-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I noticed several charges come through on my debit card that i did not notice I called customer support to dispute them as I did not authorize them. 
While disputing these charges the rep found a bunch of older charges that were also charged but under a different company name and included those in the complaint. 

I received a letter from chase telling me that the charges were to old and I would not receive almost {$600.00} in unauthorized charged refunded to me. 

Since chase has never sent me a statement I was not aware of these charges I use the chase mobile app 's quick view feature to check my balances and login only to transfer between accounts and payy credit card so I never noticed these charges until the rep informed me of them. According to the account agreement it says I have 60 days to notify them once I learn of the unauthorized charges but XXXX states I have 365 days to notify them and various other federal laws and regulations state 2 years I feel that chase is allowing criminals to steal money from consumer accounts while offering no protection to the consumer. 

Chase states they monitor my account for suspicious activity but they have failed to find a random company charging my account under multiple names for the same dollar amount unusual however they constantly block my card as unusual on almost every weekly visit to the same grocery store and gad stations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: JPMORGAN CHASE & CO.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Alleged mortgage loan debt collection activity pursued by JP Morgan Chase Bank , N.A . Mortgage, XXXX exceeds State of Tennessee statute of limitations and therefore is time-barred from collection. Last payment on record was made on or about XXXX XXXX, 2009. Persistent collection attempts by JP Morgan Chase Bank , N.A . occurring after XXXX years of non-payment violates FDCPA law and State of Tennessee XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Advertising and marketing

Complaint:
I signed up for a XXXX XXXX through Chase primarily for the advertised benefit of {$100.00} off of airfare booked for XXXX people. Once I had the card and actually tried to use the benefit, I found that you can only book airfare which is more expensive than the best price offered by the airline, or a travel site, completely negating the advertised benefit, if not actually making the " discount '' price more expensive. They are advertising a false benefit for this product.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Chase bank was informed by a relative of mine I would be unavailable for a length of time due to being hospitalized and other events in my my life. They were asked to put a temporary hold on my account because transactions would be presented. All previously agreed upon. Chase ignored the request and let items be presented against my account resulting in profitable fees. Upon my return, I called chase. The Chase bank phone representative told me to please hold. The Chase phone representative seemed to have forgotten to push his mute button on his headset. I over heard his conversation with a co worker as he was expressing that I am a, " XXXX customer and XXXX veteran '' Chase reversed a small portion of the fees later but unfairly refuse to help further more

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-13
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card
Issue: Delinquent account

Complaint:
I was off work last year XXXX XXXX months due to illness and unemployment. I have closed both of my Chase credit card accounts and have enrolled into the XXXX XXXX XXXX for both cards. I used the alternate month payment option not being aware that the skipped payments payments would count as 30 and 60 days late on my credit reports. I have contacted Chase, quite angry on several occasions, written to Chase and all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: Certified Recovery Inc
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Certified Recovery is reporting to my credit that the last date of activity on this account was XXXX/XXXX/15 which is in error and is a violation of the CFPB. Please have this account deleted because of their error and violation of law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: Maury Cobb, Attorney at Law, LLC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Maury Cobb, attorney at law, located in XXXX, AL keeps sending me robotic calls from XXXX asking me to call XXXX. Daily robotic calls to my cell phone attempting to collect a debt from someone who is unknown to me. I have contacted the caller twice to notify of the problem, but they have not changed tactics or otherwise changed their calling pattern. By nature of their systematic inability to source or acknowledge the problem I am effectively being harassed and am seeking relief.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
What you are doing Experian is against the law, a federal crime. As a citizen of the United States Of America, it is my RIGHT under the Fair Credit Reporting Act ( FCRA ) for consumer agencies NOT to report outdated negative information on me in my credit report. That is not my option, that is my RIGHT and Experian, you 're still violating that RIGHT of mine under the FCRA by still reporting a student loan over 10 years old ( from the original delinquency date ) on my credit report that is negatively impacting my credit score and the decisions of lenders. In most cases, a consumer reporting agency may not report negative information that is more than 7 years old, or bankruptcies that are more than 10 years old. In my case, Experian you are reporting XXXX XXXX XXXX student loans that are more than 10 years old ( from the original delinquency date ) and these accounts are negatively impacting my credit score and decisions of lenders, including the REMARKS IN THE ACOUNTS. 

These are my 2 requests : ( 1 ) Remove XXXX XXXX XXXX student loans from my credit report now ( 2 ) Provide me, in writing, with the ORIGINAL DELINQUENCY DATE of XXXX XXXX XXXX XXXX loan accounts ; send the ORIGINAL DELINQUENCY DATES to either my email address on file with ConsumerFinanceGroup.gov or my mailing address on file with ConsumerFinanceGroup.gov or through an electronic online file at your website that I can access. That information is not my right, but if it has been less than 10 years from the original delinquency date, I will withdraw my requests. Those dates are imperative and I know it has been longer than 10 years, but I need it in writing. 


Thank you Experian for hearing my complaint and I know you will respect my right under the Fair Credit Reporting Act ( FCRA ) for consumer agencies NOT to report outdated negative information on me in my credit report. The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates how consumer reporting agencies use your information. Please stop violating that law. Please meet my XXXX requests quickly. Again, thank you Experian

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-11
Company: Duvera Billing Services, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I had some work done on my car XXXX/XXXX/15. 3 days later on XXXX/XXXX/2015, I was admitted to the hospital XXXX. I contacted Duvera Financial in XXXX, CA, to let them know right away, I would be XXXX and i Asked if it would affect my contract. I was told everything would be ok, due to my XXXX condition. I may only have a late fee of {$10.00} attached to my acct. NOT that I owed the Full amount of {$2800.00} on this contract, due to this 189 % interest rate, which I only had {$1200.00} worth of work done on my car. Why am i Paying an additional {$1600.00}?!? Otherwise, I could of made plans or had someone loan me the money to avoid paying this high dollar amount. I had previously done business with this company, and paid them off twice in 90 days to avoid these astronomical fee 's. I have now paid up to {$2000.00} and I just want this to be over. ; ' ( ( ( NO COMPANY should be able to charge an interest rate so high, when the economy is Not even Financially stable. ) ) This is ridiculous! I feel like i 've been punished twice, from being stuck in this contract and for being sick.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Suntrust bank has been giving me sooooooooooo many challenges with my loan over the past year and now that I have closed the loan they have not refunded the {$10.00} they owe me after I closed out my loan

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 monetary relief
Consumer complaint received 2016-09-03
Company: RSH & Associates, LLC
State: OK
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
RSH & Associates is not showing date of last activity with the credit grantor. I know this is more than two years old because I have not had any medical issues within the last two year.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from UNITED REVENUE CORP I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against UNITED REVENUE CORP in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation