BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My complaint is that I contacted Chase Mortgage in XXXX XXXX requesting that my property taxes be paid from my escrow account which had sufficient funds to cover these costs as the escrow account was setup with my Chase Mortgage broker when I acquired my mortgage through Chase. I was told that the property taxes would be paid from my escrow account by Chase. This payment did not occur and a late penalty was charged to me. I contacted Chase about this in XXXX XXXX and then they said that they do not pay XXXX XXXX County property taxes even though they had set these funds aside for me in my escrow account they manage. After several phone calls and the fax I sent to Chase dated XXXX/XXXX/XXXX I received a letter dated XXXX/XXXX/XXXX saying that they paid the taxes. I authorized them to pay the taxes with the understanding that Chase would pay the penalty fee since the lateness was due to their stating that they would pay the taxes from my account and they did not pay them. They deducted the late fee from my account.What really irks me is the consumer deception on Chase 's part. I received the letter dated XXXX/XXXX/XXXX from Chase saying that they have now made a " courtesy payment '' and paid the taxes. It took me some time to figure out that they withdrew from my account the taxes I authorized them to pay but that they also took from my account the penalty that I did not authorize them to pay from my account. The letter hid this information from me with what I believe an attempt to deceive me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: MO
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} ; XXXX XXXX Balance : {$260.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XX/XX/XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Trying to be brief : however this has been going on for a year and a half. I bought a product while in XXXX XXXX XXXX. I received a phone alert asking me to confirm or deny - I clicked do not pay, because I wanted to check the company out first. Next day I tried calling the merchants contact XXXX - XXXX contact said they had no idea who these people were. I tried contacting all merchant contact information, but got no responses. I Immediately contacted Chase credit card and the Chase representative asked me questions and said they should be no problem. Three weeks later I received confirmation from Chase and they removed the charge from my statement. About three months later I received a call from an XXXX office from Chase fraud department - they said they were changing departments from fraud to disputes. They gave me contact information for Chase - which turned out to be incorrect - and they also said this should be no problem, you wo n't have to pay. I have repeatedly written, faxed, called and emailed Chase - as well as visiting a local branch and speaking to many representatives as well as the branch manager. I can not get through - nor could any chase representative - to the department that makes the decisions to uphold a dispute or deny the dispute. Evidently, this is a back-office department and they can not be reached for questioning ; I simply want to know what information they have at hand and what criteria they are using to make their decision. They have sent a letter of denial, but there is no way for me to know the criteria they used and what information they are basing their denial of claim on. In light of the fact that the merchant can not be contacted by me or chase, I feel this must have been a mistake made by Chase Bank. I have done everything I could to protect Chase bank, but they are not doing their job. I have continued to write and speak with people for the past year, but still I am being charged - now for the interest on the account. 
I have probably over XXXX pages of notes of my letters/emails/phone calls and responses over the past year and a half. The responses are circuitous in nature and it looks like they are simply cut and pasted replies to my communications. I have yet to speak to anyone who can answer my simple questions : who can I speak with that is actually responsible for decision-making? What criteria is the decision-maker utilizing to deny this claim? And what information are they utilizing to make their decision? Why can I not get a response from the executive office or the person who made this decision?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I closed a credit card from Chase Bank. The credit card is sponsored by Southwest Airlines and I had received a different credit, from Chase, for Southwest Airlines. 
When I went online at the Chase website, I noticed I had been charged a yearly fee for the card I had canceled. I also noticed a listing for another card, sponsored by XXXX XXXX, which I had canceled some months ago. 

When I called Chase the representative claimed no record of my closing the Southwest account but were willing to close it now and reverse the yearly fee charge. The representative told me the XXXX card had been closed but, even though there is no balance on either card, there is no way to remove them from my account listings. 

My suspicion is this is a similar program to the recently revealed XXXX XXXX program. 

Please investigate this as this my be a very big scam by which Chase collects XXXX dollars worth of fees without the consumer, in many cases, being aware. 

Thank you, XXXX XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-18
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
in XX/XX/XXXX, i had file for chapter XXXX due to my medical problems and include all my credit cards, medical, bills due to the fact the l have a XXXX, and the court discharge all my debts, but no matter how many times l tell them and call them the l fille for bankrupt, they still call me and report the old charges the l had '' in the pass, plus this has efected so bad the credit, the l cant even rent a apartment due to the fact the this shows on my report, now my question is were does the costitution protected one from matters like this? does the bankruptcy Abuse and prevention and consumer protection act protected us? dint the congress in XXXX XXXX signed into law by president XXXX XXXX XXXX, my question is why don the credit bureau folow the laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX, 2016 my ex-wife used my daughter 's Amazon account that had my credit card attached to it to purchase shoes. A short while after receiving the shoes she returned them to the Amazon Marketplace vendor upon which they issued a refund. We have obtained emails from Amazon Marketplace that confirm both the receipt of the returned shoes and the refund. However, to this day Chase/XXXX are declining to issue the refund to my account. They keep claiming that I need to provide proof of return which I have done multiple times by sending them the email from Amazon. I have had a number of phone calls, emails and as last step XXXX fax with Chase about this issue since late last year. However, the issue remains unsettled.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Bank of America unjustly closed my account. I was responsible for the balance and was in good standing with the bank. It was a guarantee placed by the bank that once my balance was paid off, my account would be open and in good standing. This was a bait and switch and closed my account IMMEDIATELY after i paid over XXXX off. They are also not reporting to any consumer agencies ( XXXX, XXXX, XXXX ). By law, this positive information needs to stay on file, for 10 years, even if the account is closed. They need to reopen my account and also report my positive credit report history. I will make sure CFPB publishes this experience, I will also open additional complaints with appropriate agencies such as the FTC and attorney generals office and contribute to the ongoing investigation XXXX is carrying out with Bank of America 's abusive service practices, specific to their bait and switch operation in luring a customer to pay off full balance at once and close the account. Bank of America continues to attempt to derail my efforts anytime I call in.

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 2020-10-06
Company: Bread Financial Holdings, 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:
In XXXX, creditor Comenity CB/XXXX Visa sold alleged delinquent {$11000.00} debt to XXXX XXXX XXXX XXXX XXXX. However, Comenity continues to report the matter on my credit reports even though they are no longer my creditor and debt owner. In XXXX, XXXX, I disputed the debt. But, in XXXX, XXXX, XXXX   updated that Comenity continues to report this as a delinquent account with them. My understanding is that this is a direct violation of credit reporting laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: Navient Solutions, LLC.
State: CO
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:
A while ago I called navient to tell them I wanted to increase the amount they took from my bank monthly for my student loan repayment. I wanted {$270.00} taken out instead of the minimum monthly payment. A few years later, I took a new job, and a slight pay decrease, and I called Navient back to reduce what they took from my bank back to the minimum monthly payment. What they did when I called the first time to increase what they took was rewrote my loan so that {$270.00} was the minimum monthly payment. So anything I thought I was paying over the minimum was not used as such. I requested an investigation into this over a year ago and have not heard an single word from them. Is what they did legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I was in search of information about BOA 's Privacy Assist ( I have been a customer of this service for quite a few years ) when I saw that in XXXX, there had been a judgment against them by CFPB and that they had n't been providing the monitoring that they were promoting. I never received any notification of this, nor did I receive any settlement. I continue to be billed $ XXXX for " XXXX XXXX XXXX '' thinking this is protecting my credit. My online statements reveal that this dates back to at least XX/XX/XXXX, and probably further, if I can get paper statements. Can you advise if I should have discontinued this service, or should have received some sort of notification/settlement from BOA? I am disturbed to have never been apprised of this, despite keeping up to date on the news, including financial news!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
During my XXXX degree, I was unable to pay for my education in its entirety. At the time, my school advised me to look into loans with XXXX XXXX. The interest rate were reasonable ( not higher than 7 % ) and XXXX XXXX would practically approve ANYTHING! I had no idea that I would be setting myself up for failure once I completed my education. XXXX XXXX transferred my loans to a company called Navient. This company is the epitome of HARRASSMENT. Not only do they call you about payments ... they harass the co-signer as well no matter what time of day. I have even received a phone call from them at XXXX.! The only way to not have Navient call and harass me or my co-signer multiple times a day is to put the loans in forbearance or try to make a monthly payment.I have tried on numerous occasions to try and lower my payments but I was told and I quote, " You are going to have to figure it out and there is no way for you to lower the payments! '' The worst part is that once Navient took hold of my loans, my interest rates jumped to 9.75 %! There is no way a student in their right mind would sign up for a loan with this high interest rate ... not even a desperate one! The company 's forbearance policy is very interesting. The fee is always {$150.00} but sometimes the forbearance can last 30 days and then there are times it can last 90 days. It 's just up to them and whatever they decide at the time. Well, considering that I have other debts to pay because I paid for my XXXX degree out of pocket ... there is NO WAY I can pay XXXX XXXX and survive. I NEED HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
FYI I will not except anything pretending to The FCRA 609 IN WHICH I been asking for since XXXX 2016 When I first ask for the information. You have lied stating that you did n't know what I was disputing using the FCRA 609 I mean It 's plan and simply to understand. to You have verify the accounts involved in this case.. You also claimed that verified account 's and One of the accounts involve is not even my account.. So I asked you to remove the XXXX items that I have asked you to asap You have gone as far as to contact the credit to ask them to send the info. The law DO NOT SAY THAT THE CREDITORS HAVE TO SEND IT. IT CLEARLY STATES THE REPORTING AGENCIES YOU REPORT AND THAT WOULD CERTAINLY BE YOU. ONCE AGAIN I WILL NOT EXCEPT ANYTHING FURTHER SO PLEASE REMOVE THE LISTED ACCOUNTS XXXX closed account XXXX closed XXXX XXXX Thanks Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: ZARVAD III S.A.
State: LA
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I do owed a pay day loan they been harassing went to my mom house and when I talk to them said I do n't pay this amount we will at go to your employment I do n't want to pay a company money that a scam and threatening me I want to make sure it going to that company

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a new account XX/XX/2016 on a Saturday with Bank of America. The account representative used misinformation to fraudulently and deceptively sale me the idea of opening the account that day. At the time of the {$10000.00} deposit I inquired about the availability of the funds then asked if there would be ANY funds made available. She told me not to worry because {$200.00} would be made available to me that same day after I mentioned that I needed to pay a credit card bill and provide an earnest down payment to a personal seller of a vehicle that I desired to purchase. The arrangement for a small cash payment would be a security deposit while the remainder of the funds cleared. I told the account representative who opened the account that I would just open the account at XXXX XXXX if there would be an issue with providing at least {$200.00} that same day. She again told me not to worry then escorted me to the teller to complete the processing activation of the temporary debit card. The teller then restated that the {$200.00} would be made available the same day on XXXX XXXX that Saturday. To my shocking surprise, I was not able to make a withdrawal until the following Tuesday XXXX XXXX. Unacceptable. I doubt Bank of America makes it a point to train employees to blatantly lie in order to open new accounts with {$10000.00} check deposits. 

I suffered an XXXX due to the fraudulent and deceptive unfair trade practice. I have a XXXX of XXXX & XXXX XXXX XXXX. My symptoms were aggravated as a result of the misinformation causing personal injury.

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 2017-03-08
Company: Navient Solutions, LLC.
State: OH
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:
I am currently repaying a student loan to navient department of education loan servicing the problem is the interest rate is very high and they have divided my loan into XXXX so the interest is higher and I have seen on the local news that many other customers are being charged very high interest rates from navient the interest that I have paid is well over the amount of principal paid

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18
Company: GreenSky, LLC
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I had a solar system installed on the house, and got a XXXX mortgage through that process with Greensky. The mortgage was designed as an 18 month no interest/no payment loan, and if not paid off within the 18 months, the interest accrued would be added to the balance and it would become a 7 year mortgage. The problem is that throughout the 18 months Greensky added the accrued balance to the loan amount for purposes of reporting to the credit bureau, so at the time I went to refinance the loan, my credit had been destroyed due to having a loan on my credit report which showed a balance of {$32000.00} with a credit limit of {$25000.00}. Due to my low FICO score, I am now having to pay an additional 3 % interest on my new loan, even though I followed the terms of my original loan exactly and paid the {$25000.00} prior to the end of the promotional period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: DC
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:
I have XXXX loans with Navient with vastly different balances. They will not let me pay separately on each loan when I make my payments. Meaning, I can not pay more for the smaller one to pay it off quicker, which is what i 'd like to do. I 've called them to ask why I 'm unable to designate my payments differently, and they claim it 's because they 've been consolidated. However, when my loans were with XXXX, I was able to do this and the consolidation status did not change. Further, customer service told me that I could pay separately if I were to mail in checks each month along with payment slips, and offered to mail a payment booklet to me. I have not received that booklet, and it 's been several months. 

The balance on my smaller loan is under {$3000.00}, and I 've been paying off it for years now, yet even though I 'm paying extra each month, the amount automatically allocated to this loan is minimal that the balance has barely moved, given that interest is still accruing. 

This has been very frustrating to me. I would like to be able to take charge of how payments to my loans are allocated. 

I attended XXXX XXXX University.

Company response to consumer: Closed with explanation