BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-04
Company: Global Credit & Collection Corporation
State: CT
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:
Global Credit and Collection Corporation ( XXXX XXXX, Global Credit and Collection Corp., XXXX XXXX, NJ - XXXX ) has apparently been calling at least one of my former co-workers for several weeks, sharing all of my information, about an alleged debt. I am not even sure what debt this is about. I have been working to pay off credit card debt, but this company contacted me for the first time yesterday, yet has been harassing at least one person I know.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Chase is really dragging out making a decision on my short sale application. They have made me submit the same information multiple times, and continue to stall without closure. 
I made application for a short sale with Chase XX/XX/XXXX. This is for my propoerty on XXXX ( Loan # XXXX ). This loan is the XXXX mortgage on this home where I owe about {$8500.00}. The XXXX Mortgage is with XXXX XXXX where I owe about {$38000.00}. XXXX XXXX granted me the short sale and lowered the accepted price to {$12000.00}. The home is for sale where I recently received an offer to purchase the home. I am writing this complaint, because I have attempted to get Chase to respond to my short sale application. The realtor ( XXXX XXXX XXXX ) has made provided Chase the offer information and they still will not respond. I have complied with everything Chase has asked me to do including submitting the same information XXXX different times since XX/XX/XXXX. Based on XXXX XXXX 's action on lowering the price, I would expect Chase to do something simular. I would think XXXX-XXXX would be acceptable to settle the loan with Chase. I have had a buyer for this property since XX/XX/XXXX, but I cant close the deal because chase will not answer the short sale. Recently I have been working with ( XXXX XXXX ext. XXXX ) Chase, but all they tell me is " it is with the negotiator ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have XXXX Chase credit cards. Most I have held and used for over 12 years. I have always made my payments and have never been late on any card. Just recently, I paid XXXX of my accounts to zero. I occasionally use my cards for tuition or vacation ( large purchases ) and pay them down. Unknown to me, they did an account review and dropped my credit card limits from $ XXXX to {$1000.00} and {$2000.00}. My goal when I paid the cards off this time was to improve my credit score. I understand that when you have a card, the credit agencies calculate your balance to the credit limit. By reducing my credit limit, Chase could cause my credit score to go down! If I were a problem client, missed payments, misused my credit - I could see this action. Their reasoning is that they think I have too much other outstanding credit. On my other cards, I utilized balance transfers because they have a much lower interest rate than most cards. On ALL of my credit - mortgages, car loans, credit lines, etc. - I have not had a late payment EVER! I have shown that I have consistently ( 20 plus years ) been able to manage my credit. I feel that Chase is harming me as a consumer by lowering my credit limits by potentially affecting my credit score. They have no financial reason to make this decision. I always make my payments and my cash flow is more than sufficient to carry the debt load that I have. I feel that I am being penalized by Chase. If my credit score goes down by this action, they could cause my other credit cards to increase their interest rates and cost me substantially more money. My income is $ XXXX and my debt ratio is 36 %. The income does not even include my husband 's income, which is close to $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I am a XXXX vet, i live under the poverty line, as a result my brother sends me periodic money to my bank account to help make ends meet. 
Because of this i looked for a bank that offered deals to vets, Chase had a if you are a vet and have a VA pension deposited, then you do not pay incoming wire transfer fees, this is the only reason i went with chase. 
Chase charges me a XXXX dollar fee everytime my brother sends cash, this bank is full of lies and deceit, then i call them and have to argue almost everytime to get the charge reversed, called a supervisor, was told they were going to look into and fix this, and still i have to call each time. 

This bank is simply preying on people such as myself, and the fact i suffer from XXXX keeps me from dealing with them correctly, i really could use some help getting this stopped.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response.In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-10
Company: JPMORGAN CHASE & CO.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I had a few private loans with Chase for school, at the University XXXX. It was at a time when I was between the ages of XXXX and XXXX, approximately. I am now XXXX. Not only was I able to obtain these loans without a cosigner, but multiple loans. As a college student with no financial aid or help from family that was a huge deal. I always made payments and was never late. I did however lose my job and get married and leave the country. After being on a series of payments plans, I called the woman who I had been making payments through to let her know of my situation and as if there was a way to put payments on hold or to make smaller payments until I got on my feet. I was being proactive, and responsible. But the woman was cold ( as I would expect, ) and basically gave me XXXX option : to pay off thelarge lump sum or that further legal action would be taken on their end. This Scared me more than anything. What could they do? What would they do to me? I do n't want debt hanging over me, its the worst feeling in the world. Eventually I found out that all the debt was written off and my credit reports took a huge slam. Now I am trying to figure out how to build my credit back up and get those settlements off my reports as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05
Company: RGL Associates, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
RGL asscociates of XXXX, GA wo n't send me a " paid in full letter ''. I started paying my debt in an installment of {$100.00} starting earlier this year. However I needed a car loan, and this was showing up as a lien on my credit. So I decided to pay the remainder of {$300.00} in full XX/XX/XXXX. It 's been more than 3 weeks since I paid my debt in full, but still have n't received any kind of proof that shows that I am clear of this debt. Any bank I go to asks me to get the lien removed before they can accept my loan application. I have requested a paid in full letter 3 times already and they keep saying they will mail it the same day. I 've even offered to pay for a registered mail so to make sure I receive the letter and have to sign off. They are just giving me a run around everytime I contact them. They have however faxed me something that shows the amount I paid and shows that my balance is {$0.00}, but banks need more than that. I feel really helpless, I am in a dire need of a car loan. Please help!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
In 2010 I filed chapter XXXX debt relief and reaffirmed my first and second mortgage with J P Morgan Chase and have been making my payments as required ever since. My first mortgage payment history has been reported to the credit bureau as required but my second mortgage account ending in XXXX has not. I recently applied to re-finance with XXXX Mortgage, loan office XXXX XXXX in XXXX XXXX XXXX and combine my first and second to save money, almost XXXX per month, but because J P Morgan Chase has not and will not report payment history to credit bureau I can not meet underwriting guide lines to do the refinance. I feel this is being done to prevent me from being able to refinance and keep them from loosing my loan. I need help, this is costing me XXXX every month that I ca n't get my refinancing done. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My wife and I have a mortgage loan with JP Morgan Chase. We have had this mortgage for the past 10 years. In 2007, when the economy crashed, our $ XXXX home was now only worth {$170000.00} per the appraisal. We have attempted to have a loan modification twice in the past 5 years. Our modifications request were based on the monetary status the house was now worth ( UNDERWATER ) and the {$13.00} XXXX dollar settlement between the government and JP Chase. In XXXX attempts, we were denied. We requested a lower interest rate and a reduction in principle. We would like our case reviewed as JP Chase is not complying to the governments mandates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My personal information was stolen during a break in on XXXX XXXX, XXXX. I have a police report and my ssn, id, and birth certificate was taken. This is not my inquiry and it is fraudulent and needs to be removed. XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21
Company: JPMORGAN CHASE & CO.
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Complainant is a partner in a small Ohio-based business, XXXX XXXX, XXXX. My federal XXXX is XXXX. I am filing a CFPB complaint because in setting up ( credit card ) merchant services via their wholly-owned XXXX entity, Chase Bank is improperly attempting to mingle my personal credit information and creditworthiness with a business endeavor that has no relationship with, nor is dependent upon in any manner, my personal credit history and personal information. XXXX XXXX, XXXX has a 14 year unblemished history of business and financial performance, and as a corporation stands on its own, and is legally considered a " person ''. Their attempted co-mingling of disparate attributes will damage my personal credit score, and are discriminatory against small businesses owing to the prima-facie truth that Chase Bank provision of identical services to XXXX XXXX companies would never include provision of a " date of birth '' and " social security number '' to support running a personal credit report/score. The practice of requiring personal DOB and SSN for provision of small business merchant services is discriminatory against a properly formulated business, represents an unnecessary burden not applied to large entities, and is particularly galling because in the specific case merchant services, contorts the entire process SINCE THE DIRECTION OF MONEY FLOW IS FROM THE BANK ( XXXX ) TO THE SMALL BUSINESS. Given this money flow reality, conducting a personal credit check is not only discriminatory and abusive, but fraudulent, since there is no provision of credit arising from performance of the credit review, notwithstanding the rare circumstance of a charge-back, which for the undersigned complainant has never occurred in 14 years of accepting credit cards. The postulated charge-back scenario is tenuous, since Chase Bank themselves have handled the business banking services for XXXX XXXX, XXXX for approximately 10 years. Furthermore, if charge-backs are the basis for concern, the examination of capacity to reverse fund charge-backs still remains with the legal entity, since it is the business account from which charge-back funding must be captured. In closing, this complaint is a " Consumer Financial Protection '' issue on behalf of all similarly situated small businesses and their Principals owing to the discriminatory practice of requiring an onerous and frivolous " credit check '', which imparts an additional burden as well as a tangible negative factor on the Principals credit history and score. In the event that the CFPB deems that this complaint more appropriately belongs with another agency or within another forum, the CFPB 's assistance in re-routing this complaint is appreciated in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: JPMORGAN CHASE & CO.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We tried to have our mortgage loan modified through Chase and they are refusing to help us. We began to struggle last year after I suffered an injury which sidelined me as a police officer and caused us to fall behind on our mortgage payments. Our expectation was that they would be receptive to helping us since they received XXXX dollars in bailout funds to help homeowners and still have XXXX dollars left to provide assistance for those in need. Instead of getting assistance and a lending hand, we were not provided with a full review for retention options on our property, but given a streamline medication on our FHA loan. We were never provided with a review for assistance based on our household income, but rather just offered an off the shelf modification that is a bit beyond our threshold to pay. What about offering us a true FHA Modification, or a Special Forebearance, or a Partial Claim? We are qualified for ALL of these programs, but Chase just has taken the easy route and thrown us the worst offer they could muster. The worst part is that they gave this modification in XX/XX/XXXX AND WE HAVE NOW MADE FIVE TRIAL PAYMENTS, BUT THEY WO N'T GIVE US A FINAL MODIFICATION OR EVEN TALK TO US!!! We are absolutely stuck and feel as though we are throwing good money after bad while Chase is winding up their process to foreclose on our home. We built our house from the ground up in 2004 and want to spend the rest of our lives here. However, we can not get any traction or a straight answer from and have been denied us access to government programs designed to help homeowners. They simply refuse to speak to us and we have not heard from our assigned single point of contact for months. We have no idea where we stand and what we need is a permanent solution to our mortgage problem, since our home is in jeopardy of foreclosure. Life was fine and we had a very strong mortgage payment history until I was injured and then it appears that Chase has turned their backs on us. We are scared and would like your assistance to ensure Chase knows someone is overseeing what they do. We desperately need help to get our loan back on track and keep our home. Shame on Chase for how they behave.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: COAST PROFESSIONAL INC
State: MN
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
This company called me on my professional work line which routed through my manager. My manager informed me I had a personal telephone call because the collection company refused to release even their name. The caller 's first name was XXXX. I received punishment at work for allowing personal calls to come on my professional work telephone line.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: Rent Recovery Solutions
State: AR
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 submitted an email and made numerous phone calls to Rent Recovery for written verification of debt. However, to date I have not received any information regarding the debt, only a telephone call 2 years ago when I requested written verification of debt and still did not receive anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a promotional checking account with JPMorgan Chase Bank which promised a {$300.00} checking bonus if 1 ) you are a new customer ; 2 ) you deposit {$25.00} at opening ; and 3 ) there is a direct deposit made to the account within 60 days of opening. 

I opened the account on XXXX/XXXX/16 ; first direct deposit cleared on XXXX/XXXX/16 and I received a confirmation e-mail from Chase. The bank never paid the {$300.00} checking bonus, even though all XXXX conditions above were met ant they had confirmed receiving the direct deposit in my account. I contacted them about it, they said they would not be paying the bonus because the amount was processed as an ACH payment, not a direct deposit, which does not make sense, because all ACH does is process direct deposits. Additionally, the Chase branch manager said she could not honor the promotional terms because she was not familiar with XXXX, the online payment platform used for the direct deposit to my account, and maybe it was something new. However, when opening the account I explicitly stated that this is what I use as a XXXX to process payments and was ensured that, as long as there is a direct deposit made to my account within the promotional period, I would qualify for the checking bonus. 

It seems that there are a few issues at hand here that Chase is using to entice new customer - 1 ) they are discriminating against XXXX who, based on recent statistics make up over XXXX of the workforce in the US ; or 2 ) they are misleading the customer to believe ACH deposits are any different than direct deposits. By the widely accepted definition, " Direct deposit '' is a term used to refer to the process where a payment ( most often, wages or recurring electronic benefits ) due to an individual ( " receiver '' ) from another individual or company ( " originator '' ) is sent electronically from the sender 's bank account to the recipient 's bank account. This process uses a nationwide system known as the automated clearing house or " ACH ''. In other words, there is no distinction between an ACH deposit and a Direct deposit. 

Of course, there is always the possibility that their personnel is poorly trained and would promise anything, even if they know it is not true, to get a new account opened. In either case, it is extremely disturbing that at an institution like JPMorgan Chase new customers are signed up using false advertising and even more disturbing that certain customers are discriminated against based on their occupation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-09
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am writing in regard to XXXX account XXXX for XXXX. XXXX was a long time subscriber to XXXX for 9 1/2 years. At age XXXX, she subscribed at the lowest price point because her income is well below the poverty level ( just a little over {$XXXX} a year ). A XXXX telemarketer contacted XXXX and thanked her for being a long time subscriber and told her that she was eligible for a free upgrade to High Definition service. The telemarketer used unfair and deceptive marketing practices by telling her that she would also receive 3 months of premium movie channels at no charge. XXXX failed to adequately disclose the true nature of the deal in a manner that XXXX could understand, which resulted in much higher prices, unauthorized charges and a requirement that she maintain the new rate for 2 years. XXXX used high pressure predatory practices by targeting an elderly person, who is hard of hearing, and gets confused over the details. All she understood is that she was being rewarded for being a good customer with free services. 
When she saw her next invoice, she saw that her subscription price more than XXXX which she did not expect, and could not afford. When we called XXXX about the unauthorized charges, they would not allow her to go back her original plan and told her that she was stuck at the new rate for 2 years. She then told XXXX that she wanted to cancel all services and was told that she would be charged for a verbal 2 year contract. She cancelled her service and returned the requirement equipment. XXXX predatory, and deceptive practices confused XXXX at her age. 
XXXX has since issued collection actions through Diversified Consultants ( Agency reference # XXXX ) in the amount of {$470.00} which hit her credit rating. We are requesting that XXXX cancel all inaccurately perceived debts due as a result of their deceptive actions, cancel collection actions including repeated phone calls, and rescind the credit rating incident, in order to restore her credit rating to pre incident levels.

Company response to consumer: Closed with explanation