BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-26
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
MORTGAGE companies have tooo much power over lending and following the rules for mortgages!!!! 
XXXX Mortgage bought my home loan from Chase bank knowing my mortgage and property was upside down and under water. I have been battling multiple mortgage companies since XXXX to process my mortgage under the XXXX program ; however, mortgage companies do nothing but stall, miss lead and sell my loan to other companies. Mortgage companies forced me into bankruptcy and destroyed my credit. I finally gave up battle to process my home loan under XXXX and asked for the " keys for cash '' program. Chase stalled ( as usual ) would not give information until XXXX XXXX that they sold my loan to XXXX. XXXX took THREE months to acknowledge they had my loan, refused to acknowledge our request to for keys for cash program ... ... NOW XXXX continues to stall and postpone the sell of the property for NO reason. My home counselor has never seen this treatment before ... ..Mortgage companies need to be held accountable financial treatment such as this!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: Continental Finance Company, LLC
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I specifically purchased a XXXX XXXX from Continental Finance to restore my credit worthiness. 
I paid the outstanding balance in full from my checking account but the clerk didnt properly enter the account information. 
So I made a second payment from my Checking account which the company is delaying in showing a credit so balance inaccurately reports Im over limit, which Im not because company isnt reporting payments made.

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 2015-06-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a mortgage with Chase. I was asked to pay {$470.00} to lock in a rate on XXXX XXXX. I was told this fee would be refunded if Chase did not approve my mortgage at the rate agreed. Days before closing Chase informed me it would charge points for the agreed term. It was also clear that I was not approved and their ability to close on time was not assured. I went with another lender and asked for my money back and they have refused. 
XXXX XXXX misrepresented the fee and that it was refundable if I was not approved. By charging points and delaying processing, potentially making me miss my closing as I was driving across the XXXX caused great stress and I felt coerced, mislead, lied to and was dealt with fraudulently when they emailed and said I could get the fee back. They have manipulated their interpretation. I am enclosing emails from XXXX and I have kept the original emails

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: Experian Information Solutions Inc.
State: IL
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 own a XXXX credit card with an authorized user. My e-mail address was changed on the website without my permission. The authorized user made a payment that came back. Without my knowledge the account was marked 30 Days late on my credit report. I contacted the XXXX and explained that I was never notified of non payment/late payment due to not being contacted by XXXX via e-mail, phone, or postal mail. I was told by a XXXX supervisor that they only report to credit bureaus after 60 days late. XXXX from XXXX was very kind and promised she was send the information over to XXXX credit reporting stating it should not have been reported as it was a one time mistake and I was not informed. Had I known I wouldve been happy to make a payment. I disputed with the credit bureaus and it was not deleted. I explained that my email was fraudulently changed and was told by other supervisors nothing could be done. I was hopeful that it would be removed off of my credit based upon fraud and XXXX allowing 60 day late payment before reporting 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
Consumer complaint received 2021-04-20
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/21 I submitted a request to deposit {$20000.00} from my bank account into my Coinbase Pro account. On XX/XX/21 the {$20000.00} cleared my bank account, but the funds in my Coinbase account remain in " Pending '' status as of XX/XX/21 and I do not have access to these funds. I have reached out to Coinbase multiple times showing my bank statement withdraw of {$20000.00} and my " Pending '' {$20000.00} in Coinbase Pro account and they refuse to acknowledge the issue and have since stopped communicating with me. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: Comerica
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I receive my social security pension funds through Direct Express debitcard. They deactivated my card about the XXXX of XXXX. They said thatthere was suspicious activity, however, I can not see anything suspicious on myon my XXXX statement. I have contacted them numerous times and havecomplied with their requests for proof of identification. After severaltries, they now say that they have not received my last fax. I haveconfirmation that have received my fax. 
andnow I must start over with new faxes

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Chase is illegally and incorrectly reporting cancelled debt ( for XXXX credit accounts XXXX Chase is continuing to report debt cancelled as open account with debt still due to Chase to credit reporting bureaus XXXX XXXX XXXX and telling me this is still legal debt they can report and collect. This is wrongly and adversely affecting my report and score with accounts that are closed reported as open and balances due that are no longer due as the debt was cancelled. 

I defaulted on XXXX Chase charge accounts XX/XX/XXXX, Chase closed the accounts few months after and XX/XX/XXXX issued me XXXX Cancellation of Debt for each of these accounts. And in addition to this even the amounts became income and I paid taxes on it. They can not say they cancelled debt and then still claim it is open account with debt still due and report as current account and balance to credit bureaus. They ca n't have it both ways when they cancel the debt, it is then no longer debt owed, and that puts me in double jeopardy paying twice on same debt. 

I have been trying to deal with the credit bureaus and Chase for about a year now and it 's getting me nowhere they are handling this illegally and need to be stopped, and my credit reports need to be updated to have this taken off it is no longer debt. I have been able to get it taken off the credit bureau reports with explanation as above and submission of the XXXX. But it keeps coming back to the reports as Chase keeps reporting it each month and I have had to go through this process multiple times and need to have it stopped at the source, Chase should not be reporting this. Right now XXXX accounts are still showing as open with balance due on XXXX, best I can tell right now it is not showing on XXXX XXXX and XXXX but I have no way of knowing for sure I can only order report once a year and it could come back at any time on any of the reports as it keeps being re-reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter informing me that I have a XXXX debt totaling {$290.00}. 
This is impossible for 3 reasons. 
1 ) My husband and I share a XXXX account and his name is primary. 
2 ) That account is connected to a credit card. There is never any debt in that account, because purchases automatically are paid by that card. 
3 ) The debts in XXXX would be named for the companies that provided goods or services THROUGH XXXX. 
Also, they used a nickname, not my full name. 

From Jefferson Capital, Ref # XXXX www.MyJCAP.com XXXX XXXX XXXX XXXX. XXXX XXXX  MN XXXX Mail payments to : Dept # XXXX XXXX XXXX XXXX XXXX, AL XXXX Return mail address : XXXX XXXX XXXX XXXX, NC XXXX XXXX whole addresses!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I have been on deferment since 2015 but apparently they sell that information i get at least 3 calls per day of companies telling me they can help me I spend 30 min on the phone and no luck, I 'm sick of the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX DOB XXXXXXXX XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. XXXX XXXX XXXX # XXXX account is reporting XXXX, DAYS LATEsince requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Good Morning/Afternoon, I am XXXX XXXX XXXX XXXX and Westlake Financial Services has not only shown great lack of professionalism but also abuse of financial gain on there status. Mistreatment of my account and legality of my XXXX XXXX XXXX Orders have been dismissed on numerous conversations. Westlake Financial Services has violated the SCRA ( Federal laws protecting Veterans who are deployed ). 

Westlake Financial Service was given XXXX  Orders early XX/XX/XXXX and acknowledge the status of the account. On XX/XX/XXXX Westlake Financial Services repossessed the vehicle on the account and refused to release until payment was made dismissing the Military Documents given. On XX/XX/XXXX I paid {$1600.00} to release vehicle from repossession company. Upon this situation, my credit score has been severely hit in nothing but a negative way. 

Before this action Westlake Financial Services has not only not taken my funds every month but added on arbitrary fees when addressed about there mishap. Reference # XXXX XXXX late payments can not be issued to people who are deployed ). Which I was given 10 missing late payment during the time of my 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 2016-12-16
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
This is a compliant against Chase. 
I deposited a check of $ XXXX written to me by my wife from her XXXX account on XXXX/XXXX/2016 into my Chase checking account and was given a deposit clip which indicates that the $ XXXX is on hold and " date when available '' is XXXX/XXXX/2016. 
On XXXX/XXXX/2016, I wrote a check of $ XXXX from checking account to deposit funds into my stock brokerage account. The check has been bounced back and I 'm charged by my stock broker due to checks being bounced back. 
I called Chase and talked to customer representative XXXX, who refused to disclose more ID information. He said the $ XXXX funds will not be available until XXXX/XXXX/2016 and Chase can not reimburse me on the charges I got hit with for checks bounced back. He also refused to look at any solutions to make the $ XXXX funds available to me, even enough the $ XXXX has been debited from my wife 's XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Santander bank for numerous months is not adding principal amounts to the monthly payments only interest for entire amounts. Santander bank is also reporting false information on all credit agencies. I've tried many times to resolve the issue with Santander bank and get no response from them. Please look into this matter Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Opened a business checking account at the XXXX, NJ Chase branch. The account had a promotion of {$500.00} for depositing {$500.00} and keeping the balance for 60 days. I have inquired about the bonus not posting and have been informed that the deposit funds needed to be new to Chase. This was never communicated to me by the branch personal banker who transferred {$1000.00} out of my personal account at Chase into my business acccount to fulfill the promotion requirements and to hold a minimum amount in the account to avoid the $ 20 monthly fee which is waived for the first 2 months anyways.If new money needed to be deposited, then there was no reason to transfer the {$1000.00} on that account opening day. I could have easily changed my direct deposit to go from my personal account to the business account. There was a lack of communication on the banks behalf.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-23
Company: FastBucks
State: ID
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have been laid off and unemployed for a little over 2 weeks now and was unable to make my {$72.00} payment with Fast Bucks, located on XXXX XXXX in XXXX Idaho, with whom I have an installment loan with. As of today, My loan is three calendar days late. I called Fast bucks at XXXX this morning, XXXX. XXXX, to let them know my situation with my employment, unemployment insurance, and that i will be in sometime this week to make a payment. That is when I was informed that my account " has '' to be put into bad debt. The store also told me my account will still accumulate interest while in bad debt and that they will still accept payments from me. 

Now is this very confusing to me because i thought " bad debt '' only occur after all attempts are made to collect on the debt. And if they are saying that my account is going into " bad debt '', which means the debt to them is not collectible, then why are they still threatening to racking up interest on my account? When i asked the store if it is normal and recognized in state law to continue applying interest in this situation that they informed me about, they said " yes ''. The store also explicitly told me that the CFPB knew about it and approves it. 

When I called the CFPB, i was informed that they could n't find anything in relation to the store practices when it came to interest and bad debt practices. I also was informed by the CFPB that they could n't give me any legal advice with my matter - understandable. They did tell me I could write a complaint on the matter. 

Still wanting answers i tried to call back the Fast Bucks store and got no answer, but the call did get forwarded to the Fast Bucks corporate office. I told corporate about my situation and asked about the " bad debt '' and what steps are taken before a account in put into bad debt. Corporate was VERY vague and told me multiple times " its all depends on the customer ''. " everyone situation is different ''. This too i thought was very strange that the representative could n't give me any details on how long a debt that is unpaid goes before being put into bad debt. The representative exclusively told me that there were no such time frames implemented within the company. When asked to speak to a manager, he told me " he will tell you the same thing ''. I terminated the call after that. 

I feel Fast Bucks as a whole is treating my unfairly. I feel that they are threatening me with false information about putting my account in bad debt. I feel Fast Bucks purposely with holding information on the debt collecting process including : grace periods, time frames and legal steps when collect debts and putting accounts into " bad debt ''. I feel its fraudulent to put someone account into " bad debt '', to write off as a business expense, and still collect interest and payments from the persons whom holds the debt. 


Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
At the end of a XXXX year lease with Honda I owed approx {$410.00} which included the final monthly payment of {$280.00} with the remainder representing mileage charges. In attempts to collect the money owed Honda sent me several demand letters. In one such demand Honda offered that it would reduce the balance owed by approx 25 % XXXX approx {$300.00} XXXX and that if I paid the reduced amount by a date certain the remaining balance of approx {$100.00} would be reported to the credit reporting agencies as payment that was 30 days late. As the letter indicated I accepted the offer by making out a check to Honda in the amount specified.I mailed Honda the check. Honda accepted and deposited the check. Since accepting the offer and having made the payment to Honda, and Honda having accepted the payment, Honda now continues to demand payment of the remaining balance and has sent me letters stating that my account is past due. On XX/XX/XXXX, 2018 a Honda representative called me and demanded the remaining balance and advised me that if I did not make the payment Honda would report to the credit reporting agencies that my lease agreement was in default. The representative went on to threaten me and said if I did not make the payment my credit would be severely affected. I believe Honda 's collection tactics have been discriminatory on the basis of my sex and race. I am a XXXX. This is a definite bait and switch tactic used by Honda to induce me to enter into an agreement that Honda no longer wishes to honor. Honda has misrepresented its intentions and the offer it made to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05
Company: Big Picture Loans, LLC
State: OK
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Hello my name is XXXX XXXX and I am writing in regards to the company known as Big Picture Loans. On XXXX XXXX I was approved for a loan that was set for XXXX dollars. Upon receiving the loans I was told by the representative via phone that there would be a charge finance charge in the amount of XXXX but I still took the loan. After accepting the loan that I noticed that my first payment was more than what I was told over the phone. So of course I contacted them but they were no help at all. I was placed on hold numerous times only to be let down after every hold. So I reviewed the email that they sent regarding my loan after I was approved and reviewed the truth in lending disclosure ( in which by the way I had no idea about upon receiving my funds ) The APR of the loan was 989.1897 % with a finance charge of {$6000.00} ... .Also stating my payments would be XXXX after paying off the loan. I was extremely confused as to why this information was not given to me before I accepted and I have only made one payment. But I am for sure that with an APR that high that this is illegal. I would not have had a problem paying off the loan amount had it not been XXXX XXXX dollars but I am even more upset because I was lied to and information was hidden from me before accepting. Please look into this company because it seems like a major scam and I am hoping that you all can help me get this issue resolved. Thank you so much for your time and have a good day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
This is in response to previous complaint XXXX. The issues from this complaint were not addressed. 

1. Denied loan due to " GARNISHMENT, ATTACHMENT, FORECLOSURE, REPOSSESSION, JUDGMENT OR COLLECTION. '' I do not have any of these items on my credit report, nor have I ever. I called XXXX and verified that what is is listed on my credit report is NONE of those items. My credit report states some cards were " being managed by a credit grantor/ financial counseling program. '' A debt management program is VOLUNTARY, not ATTACHMENT! 
2. I was wrongly denied this loan. 
3. On XX/XX/2016 I was called at XXXX by XXXX from the chairman 's office. I returned the call 30 seconds after I recieved the message, and the call did not ring and went straight to XXXX at the chairman 's service voicemail. I have left many many messages, while calling XXXX over and over again, almost every day, for the last two months. I have called corporate numbers, where they have said they will send an email to get someone to call me back. Conveniently, no-one ever does. XXXX XXXX, who provided the response to my original case, has provided me the same number to contact them. I have phone records of all of my attempts to call and reach anyone at this company. 
4. I feel this company is extremely shady, and I will be sending letters to XXXX, the company this iPhone upgrade loan is through, to provide them with this terrible feedback, and taking it further to a lawyer if this company can not provide an appropriate resolution for their wrong doing for over two months now.

Company response to consumer: Closed with explanation