BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-12
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We purchased a townhouse in XX/XX/XXXX. I could not pay down-payment 20 % to avoid PMI but paid 15 %. After the purchase, we renovated Kitchen and bath and asked the mortgage company Chase to remove PMI by re-appraising the townhouse. They said we need to have 80 % or less of LTV or at least {$310000.00} for the appraisal. I submitted the request form, and later, one appraiser came home and evaluated it as {$320000.00} ; however, Chase did not cancel the PMI with a reason they did not give us, which was it requires LTV 75 %. All of sudden, they changed the requirement. Based on another mortgage professional, he told me Chase may violate the Homeonwer 's protection act. This is the reason I submit this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-15
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
Case # XXXX - XXXX Case # XXXX - XXXX I have not gotten any written words on the one issue : Legal Standing.

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 2016-08-25
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
I was scammed by XXXX ; they claimed to have a trial of their eye serum ( to eliminate under-eye bags ) ; the trial was for {$4.00}. I agreed to that charge, and that charge only, and received the product, XXXX. The product did not work at all ; I never ordered it again and I never " subscribed '' for it. Weeks later I see {$270.00} on my credit card statement. I never, ever agreed to these charges ; the product is worthless. I told my credit card company ( Chase Card Services ) to take those charges off, which they did -- initially. I responded to them for each information request. I researched XXXX and found that they have a grade of F from the XXXX. There are also numerous complaints on the Web about this company. There is no way I 'm ever going to pay for these bogus charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
This regards a Capital One credit card. I phoned Capital One and they refunded the disputed amount. But I want to file a complaint because of what I believe to be a problem in their billing system that results in unwarranted charges to their customers. 

I received a bill for {$2500.00} due on XX/XX/XXXX. I paid that amount on XX/XX/XXXX which they have a record of. 

The next bill, due XX/XX/XXXX contains a bogus interest fee of {$17.00}, which they credited to my account when I phoned them. They also said that in the future, they might not refund a similar charge. 

My two previous payments were on XX/XX/XXXX and XX/XX/XXXX, also on or before the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made purchaseson XXXX that was opened and XXXX refused to refund along with my credit card companies refusing to help me dispute. I had video and photos but the credit card companies are refusing to do anything to help

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 2017-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
This feedback is in regards to Bank of America dispute resolution department. 
On XXXX XXXX, XXXX, there were XXXX charges posted to our account that we did not recognize, in the amount of {$73.00}. We immediately notified the vendor, XXXX and BOA. 
XXXX did not show the charge. BOA proceeded to follow the dispute process. After numerous phone calls, waiting on hold and broken promises, I sought the assistance of XXXX of the BOA branch managers. She assisted with contacting the dispute resolution department yesterday, XXXX/XXXX/XXXX. In speaking with a rep on a conference call, I learned, A- There was a duplicate charge of {$73.00} made by BOA which had been credited. B- There was a XXXX window that had passed, therefore BOA could not pursue any further. ( My wife had called that same day, spoke to a different rep, and was told they would " escalate and get back to us in 10 days! ) We have heard this numerous times, check your call logs, no-one ever gets back to us. We followed the directions of the bank to the letter. They did not do their due diligence in righting this wrong. They took the easy way out and sided with the vendor. 
The below were the facts ignored by the bank and XXXX ; 1- The zip code used for this transaction, XXXX, was NOT my zip code. 
2- This was an online transaction, yet NO email address was provided. 
3- The transaction was made while we slept on Tuesday XXXX XXXX @ XXXX XXXX. 
4- The game was retrieved while at my job in XXXX XXXX NJ at XXXX XXXX on the same day. 
5- The game rented was for XXXX, which I do NOT own. 
6- Rental history will show that we have NEVER rented a video game of any kind from XXXX. 
7- We have always returned rentals on a timely basis.

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 2017-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My father died on XXXX/XXXX/17 ; he has a checking account at Bank of America. I called BoA for instructions for accessing the account since I am the sole beneficiary/executor. They gave me a list of the documents they needed & gave Estates Dept fax number. I went to the local branch & had then faxed. In follow up calls to BoA Estates Dept, they were unable to find documents faxed. After this happened three times ( local branch faxing/documents not found at Estates Dept ), I threatened with legal action & CFPB complaint. The documents were found, but I was told I needed to fax another document ( which I had specifically asked if they needed twice prior, as my lawyer provided it to me and I had been told by Estates Dept they did n't need it ). A supervisor at BoA Estates Dept became involved at this point and gave me his fax #, telling me that if I have the local BoA branch fax it to him, they can call his direct number ( which he provided ) to confirm receipt and he would have a check for the amount in my deceased father 's account overnighted to me. I did that, but when the local BoA branch called the number the supervisor provided, it went to voicemail. And it continued to go to vm the rest of the day and the next business day. I called BoA Estates Dept and was told that they can only reach out to this supervisor via email to tell him I am trying to reach him. They ca n't call him themselves. They also told me that since this has been " escalated '' to a supervisor level, there is no-one else in the department that can assist me anymore, only this XXXX supervisor. I have so far taken three half-days off of work only to try to resolve this Bank of America account issue. As it sits now, I need to wait for this supervisor ( XXXX XXXX ) to get back to me to confirm receipt of the document he requested to be faxed to him last Friday. I have XXXX confidence that I will ever receive the funds in my deceased father 's checking account.

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 2021-08-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX ATTN : Consumer Financial Protection Bureau Washington, DC This letter/request is for Consumer Financial Protection Bureau, CFPB, to try and help me with a problem. I have two XXXX XXXX personal loan accounts reported on my Equifax Credit Report. The two accounts are XXXX and XXXX. Both accounts are identical in that they are with the same financial institution, same date opened on XX/XX/XXXX, same original amount of {$2600.00}, and the same terms of 48 months. The second duplicate XXXX account, XXXX, was somehow made in error or fraudulently. I have communicated that this second account was an error or as a result of misinformation to both XXXX  and XXXX XXXX, but have not yet received an outcome. 

Therefore, I decided to ask XXXX for proof that I opened this second account, XXXX. I hope they would have some documentation of this second duplicate XXXX personal loan. I made the first XXXX loan, XXXX, in person and signed documents in person at the XXXX branch location in XXXX, Texas. Since I had signed in person for the first XXXX loan, I thought the second duplicate loan and allegedly on the same day would also have a second signed set of signed documents ( if it existed ). 

I have called, and I have sent letters for the proof of the second duplicate XXXX loan, account XXXX. Then after numerous phone conversations with XXXX  and numerous letters to XXXX, I finally received a XXXX response letter dated XX/XX/XXXX ( please see attached ) that my correspondence does not provide sufficient information to investigate your dispute. After numerous letters that have included many attached copies of my two credit-reported XXXX Accounts, this response of XXXX not having sufficient information is quite hard to believe. That there wasnt enough information to investigate is even harder to believe. 

Anyway, I ask that someone from CFPB to look at my attached documents and note that on my Equifax Credit Report the two XXXX XXXX loan accounts have the identical dates opened on XX/XX/XXXX, identical original loan amounts of {$2600.00}, and identical 48-month terms. 

What else can I do in an effort to receive proof of this erroneous second duplicate XXXX loan account? Please point me int the right direction. 

Thank you and appreciated. 

XXXX XXXX XXXX SS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: Mr. Cooper Group Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Nationstar Mortgage LLC # XXXX is being incorrectly report as late for the past 8 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: MARINER FINANCE, LLC
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have a personal loan through mariner finance.. formerly XXXX in mt.airy, nc XXXX They have been calling XXXX times a day and even calling my work place and disclosing information to my supervisor which I feel is wrong because that 's my personal business and they are telling everyone they talk to the situation of my loan. I know i owe it but I have hit a hard place and got a little behind and called 4 times today ( XX/XX/2016 ) and threatening to take legal action against me for the payment being past due.

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 2021-08-29
Company: Total Card, Inc.
State: NE
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:
My name is XXXX XXXX XXXX. I am submitting this dispute on behalf of myself against Total Card Inc. The correspondence below has been received by Total Card Inc., via certified mail and their inability to cease reporting and delete said account from my consumer data files is the basis for this complaint. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use E-OSCAR software that does not complete thorough investigations and is in direct violation of FCRA 611 ( a ) ( 2 ) ( A-B ). I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in FCRA 623 ( b ) ( 1 ) ( A-E ). It is your responsibility as a data furnisher to adhere to the above federal regulation in regards to the reporting of such updated account info. I recently paid this account in full as part of a settlement with the collection agency XXXX XXXX XXXX, yet this account still reports as a charge off and shows erroneous and erratic/unknown reporting that I have attached to this complaint. This is a major violation of FCRA 623 ( a ) ( 1 ) ( A-B ) since the account can legally no longer be reported as a charge off as the account has been written off, and its status has been changed to paid. It is also Total Card Incs duty to correct and update this information under FCRA 623 ( a ) ( 2 ) ( A-B ). Please update the reporting of this item as paid and remove any further charge off reporting. If this change is not seen on my consumer data files and if youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by FCRA 623 ( b ) ( 1 ) ( E ) ( ii ), to advise the credit reporting agencies, XXXX XXXX, and XXXX  and all other secondary credit reporting agencies to delete this negative information from my credit reports, which can also include complete removal of the account. See attachments. 

Failure to adhere to my request would make me, XXXX XXXX XXXX, due compensatory damages pursuant to FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] & 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ]. All correspondence should be sent to my attention at the above address. 


Account identifiers : XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: General Motors Financial Company, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To Whom It May Concern : Settled in full with GM Financial XX/XX/XXXX XXXX Credit reports reflect derogatory information. 

I reported to XXXX XXXX on XX/XX/XXXX to attend basic combat training at the United States XXXX XXXX XXXX, XXXX XXXX, South Carolina. After completing the XXXX XXXX training course, I was transferred to the US XXXX XXXX XXXX XXXX at XXXX XXXX, Arizona. I graduated from the XXXX XXXX XXXX   course in XXXX of XXXX and then completed XXXX XXXX at XXXX XXXX, Georgia. 

Amazingly, I XXXX twice in three years to XXXX. During my years of service, I received the XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX, the XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX, and XXXX XXXX for the XXXX XXXX  and the XXXX XXXX. 

XXXX has taken adverse action against me for the same debt. This harm to me during a pandemic is mostly because I am XXXX American. Can there be some since of justice? I never received the accelerant letter until last month. The Gap claimed I had requested last the 90 days and even after a settled in full contract another company has taken adverse action against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-29
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2021 I contacted my bank to notify them that my paycheck would be late I requested that they put a hold on my account so that no further debits or transactions could be made so therefore it will overdraft I had already opted out of overdraft protection and was told that it was still opted out I was told that the hold would be placed over the course of the next couple weeks I randomly checked my account and noticed that there was still charges being made including two fraudulent charges that caused me to have to close my debit card at this time they still allowed two more charges to go through on my debit card after it was closed and they still did not put the hold On by the time it was all said and done they had added almost XXXX XXXX and something dollars worth of overdraft fees to my account when my paycheck finally hit my account they deducted the {$700.00} and then placed a hold on my account I kept in contact calling the bank over the next few weeks as I had been doing since the initial contact and still to this day and nothing has been done they reimbursed close to {$200.00} I believe but that was for the fraudulent charges since then the bank has continued to mess up my deposits in transactions causing multiple overdrafts and whenever I call in to speak with someone they can never figure out what's going on and that usually just hang up and I have to call back I work full-time so going to the bank and sitting down with the banker is not easy option at this time they have taken nearly {$1500.00} worth of fees from my account that I believe are not accurate I take responsibility for whatever fees are legitimate but I know that I should not have paid {$1500.00} in fees to the bank and they still refuse to do anything about 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 2021-08-29
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Medical Data Systems at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Florida XXXX has been sending me collection notices in the amount of {$860.00}. The collection is reported as past due, I do not know this company and Ive never done business with them. This company does not have a contract with my signature.

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 2021-08-29
Company: EQUIFAX, INC.
State: NJ
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:
I am a victim of identity theft. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
Now that the CFPB is proud of solving XXXX XXXX complaints I would like you to take a look to the complaint that I submitted back in 2012. ( XXXX ). The complaint was closed without even provide a response. Please review the complaint

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 2016-03-14
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
They have elected to apply my payments to interest only, thereby artificially extending the terms of the loans. I can not believe that it is legal to extract interest only payments, I would expect that even in the toughest amortization schedule it would be impossible to never see the principal paid down after 15 months of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: CAINE & WEINER COMPANY, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Caine and Weiner at XXXX XXXX XXXX XXXX, KY XXXX has been sending me collection notices in the amount of {$100.00}. The collection has been reported as past due. I do not know this company & Ive never done business with them. This company does not have a contract with my signature on it.

Company response to consumer: Closed with explanation