BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-22
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I 'm in a subprime loan, with an adjustable rate, underwater meaning my house does n't appraise at what I owe.pay mortgage on time and nobody will help me get out of this XXXX rate I 'm in, every time I sit and talk with anyone they tell me they ca n't help me, why ca n't they help me, I 'm considering letting the bank take it if I ca n't get my mortgage changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: Navient Solutions, LLC.
State: NJ
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 tried emailing and calling years ago to understand why my total payment was not going down. I did not receive any quality information. The same with my private loans. I have been struggling with my loans and when I have extra money I put it into the loans. I 've even called to tell them to put it towards principal which was ignored on both federal and private.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX, I reached out to BOA due to an inability to pay our mortgage due to my husband and I both being out of work. I have attached a time line of all of my interactions with BOA over the summer as I worked with them to get assistance with a loan modification. Basically, I have complied with every request when I received it. Their communication with me was not accurate, I had to deal with a different person every time. The website was not useful. XX/XX/XXXX I received letters saying my information was under review and a letter saying my loan was being transferred to another bank. When I called to check on it on XX/XX/XXXX, I was told the review had been completed on XX/XX/2016 and I was apologized to for not having been notified, but there were things I needed to fix. They were now asking for things like signatures that they had not requested previously. I asked to speak to a manager, was transferred to voice mail and I never received a follow up call or any other communication from BOA. 

We are actively seeking employment ( and have been for sometime ). I have XXXX interviews this week. We just need assistance with keeping our home. We have lived here for 23 years and certainly do n't want to lose it. We just have hit a patch of bad luck.

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 2016-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I filed a disputed with my credit card company who did n't take same size against the consumer company and let them take {$41000.00} from my account. every time, I contact my bank and the company. I did n't get any result. The company make me an offer to give me back only 10 % on the amount they took from me.

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 2017-02-23
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I was having financial issue a couple of years back, and Navient suggested that I file for forbearance to delay paying my loan. I was not made aware of the interest will continue to be counted toward my loan. I was put on the Income Driven Plan, and after a year or so, the monthly payment went up, and I was making monthly payments, but the amount of the loan has not decreased much at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
When I was younger a man approached me and forced me to cash checks for him. It was XXXX separate checks at XXXX separate XXXX XXXX XXXX locations. I told the bank what happened and whoever I spoke to told me that the fact that I was physically forced to cash the checks did not matter. I found that hard to believe and decided that I would not pay it because it in fact was a result of the actions previously mentioned. I also tried to file a police report of the incident at the time but because I had no information as to who the man was, the police could do nothing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Please see # XXXX. I could not figure out how to add comments to my case. I spoke with XXXX XXXX at Bank of America today ( XXXX x XXXX ). She indicated that I must have asked for a refinance instead of a modification, I told her I requested a modification in writing. She said somebody must have misunderstood. She told me she looked at my file and my complaint is closed. I told her that if she would just look at the amount of my payment and compare it to 31 % of my income as Bank of America has determined it to be, she would see that Bank of America did not do the math correctly because my payment is greater than 31 % of the figure they are using for income. She told me that she WILL NOT do the math. My case is closed. I tried to tell her that it is clear a mistake was made, if somebody would just look at the figures. She refused, nobody additional will look at this. My case is closed. Bank of America continues to make errors and change their story. I have been trying to modify for 4 years and they make repeated errors and give me different answers and instructions. Please advise. I have done everything they have asked me to do and Bank of America wo n't even double check their math.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-05-17
Company: Ditech Financial LLC
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
they call all the time.i said i would pay XXXX a month and that 's what i do. it was a mobile home i let go back. so they gave it away an i have to pay the balance. they do n't send you a balance or anything to let you no they received your money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: Harris & Harris, Ltd.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
My elderly Dad received a call from ( XXXX ) XXXX. The woman asked who he was and was looking for me. She made him very upset. I called the number back and the women stated that she was from the Company Harris and Harris and that I was being recorded. I asked what she wanted. She said I owe money to the XXXX. I had already worked the pay back with the XXXX office and told her that. She became very forceful and we both started arguing. I think this company is a scam from what I saw on the internet. I want them stopped if possible. 
Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: Finance of America Mortgage LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I started my loan application with XXXX about 2 weeks ago. After putting a rate review on there website I received a call from XXXX XXXX XXXX. The reason I went to their listing was because they were boosting a XXXX closing cost refi for my situation. After speaking with XXXX he assured me that it was indeed a zero closing cost loan. All I would have to pay was for the appraisal {$450.00} and have money at closing to cover my escrow for the year. After 2 weeks of sending the required paperwork in, they then notify me that I would have to bring {$2800.00} to closing. This includes my escrow and which is right around {$1000.00}. So they are hitting me with {$1800.00} with fees after their site and XXXX said there would be none. In my eyes this is the definition of bait and switch. Since locking in my rate the rates have gone up so if I were to go with another lender I would not get the 3.25 % rate on my 15 year loan. So not am was I charged for an appraisal that is squandered if I do not continue and pay their fees that they did not disclose and assured me I would not be paying, it will cost me thousands in the long run if I do not pay up ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: Experian Information Solutions Inc.
State: NY
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:
Ive sent 3 or more dispute letters to EXPERIAN regarding inaccurate information on my credit report in regards to XXXX XXXX BANK. XX/XX/XXXX thru XX/XX/XXXX. Ive sent a method of verification letter on XX/XX/XXXX also. They never complied with request, they only sent a credit report showing verified. Credit report # XXXX was the last report I received from Experian. This report shows verified, however doesnt indicate who they verified this debt with. Ive tried to reach out to XXXX XXXX bank, however was advised account no longer being service by XXXX XXXX bank. I was given phone number XXXX. Ive tried calling that number, without success and, not sure who Im calling, because while waiting for someone to answer, the recording isnt clear. I have also reached out to XXXX XXXX XXXX, which on my Experian report indicates this account was sold to them. They advised they sent updated information to all 3 credit bureaus. XXXX   and XXXX deleted the account from My credit reports already.

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 2015-07-27
Company: Javitch, Block & Rathbone LLC
State: TN
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 applied for an XXXX XXXX store credit card. I had never used it. In early XX/XX/XXXX, I had lost my wallet at a movie theater. I reported the card as lost/stolen to XXXX XXXX and XXXX XXXX who the card was financed through. I did not want a new card as I was unemployed as of the end of XX/XX/XXXX. 
Apparently at some point, this XXXX XXXX card was converted to a Synchrony bank card and there was a balance after it was reported stolen. I started receiving collection letters from a company called XXXX XXXX XXXX. They stopped collection after I sent a copy of the FTC Identity theft complaint to them and to XXXX. I had assumed everything was settled at that point. Now I am receiving collection letters from a Javitch Block, LLC collecting on the same debt. 
Javitch Block, LLC is not even licensed in the State of Tennessee for debt collection. I have filed complaints regarding this as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: Asset Management Outsourcing, Inc.
State: DC
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Threatened to sue me on debt that is not mind. I have requested for validation and verification, but to no avail. I never been to any hospital, nor any doctors. An now these people are calling and threating to take me to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: TekCollect Inc.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX, doing business for XXXX XXXX XXXX, XXXX after a terrible not-at-fault car accident, the rest of all hospital bills were covered by the at-fault drivers insurance company, XXXX. They refused to take payment and remove this collection upon settlement. They would much rather have this listed as a collection on my credit report than have their money!!! This defies logic and I want this removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: Harris & Harris, Ltd.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I suffered a XXXX. it was so severe that I past out. My wife called the City of XXXX XXXX Fire Dept and, still XXXX I was transfered to XXXX XXXX City Hospital. The amulance Services charged my insurance, XXXX primary and XXXX XXXX, secondary the amoun t of {$1400.00}. For unexplained reasons XXXX denied payment. XXXX XXXX paid {$1000.00}. I was never billed for the remaining balance till last XXXX XXXX when I received a letter from Harris & Harris, a collection agency, charging me {$500.00}. On XXXX XXXX I contacted City of XXXX ambulance services. They accepted that they had not billed me at my right address and a lady by the name XXXX assured me that her office " would pull out '' the charges from Harris & Harris and would check the status of my account since my secondary had already paid most of the charges and more than 2 years had already past. However, I am still receiving calls from Harris & Harris, even on Sunday mornings, when they call me at around XXXX Pacific time. They have called me at night, well after XXXX playing a recorded message demanding payment of the debt. On XX/XX/XXXX I called Harris and spoke with a gentleman named XXXX who apologized for the inconvenience and, again, assured m that they will withdraw the charges since his records showed that XXXX XXXX had paid a portion a XXXX, according to him, had made a payment on the account. Still, I keep on receiving the pre-recorded messages. On XXXX XXXX at XXXX I received yet another call despite all the promises of pulling out those charges for which the XXXX Ambulances Services has already been paid for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: Aargon Agency, Inc.
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I would like this collection to be removed from my XXXX credit report was reported as collection debt without my knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OR XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2021 in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2015-06-29
Company: Finance of America Mortgage LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We locked up the mortgage rate for a mortgage application in XXXX XXXX. The locked-in rate was valid for 45 days. XXXX requests many documents separately over numerous times. Our turn-around time for all the requested documents was less than XXXX hours. Many of the requested documents were redundant. eg. request a copy of passport and work visa. 

The mortgage application process took so long that our 45 days lock-in period has expired on XXXX XXXX. Due to the upward trend of the mortgage, we end up paying extra penalty {$1500.00} to buy points in order to get the same mortgage rate. When we asked XXXX why the application process took that long. XXXX blamed the long delay on getting ready for the title report. Then, we asked for the name of the title company, that we deal with our application, two times. XXXX did not provide us with the name of the company. Therefore, we can not verify the long process was caused by the title company. From our previous 20 mortgage applications experience with mortgage application, the earliest title report which was ready within the same day ; the longest title report was ready within the same week. There are many title company out there. When one title company fail to provide the title report within a week, mortgage broker should choose another tittle company. 

We were forced to pay a late mortgage penalty for our previous mortgage company. We were promised our mortgage application would be funded XX/XX/XXXX. Therefore, we thought we did not need to pay our XX/XX/XXXX mortgage payment, in our previous mortgage. We received phone calls from collection agency threatening us our house would be foreclosure within weeks if we did n't pay our XX/XX/XXXX mortgage. Debt collectors also threatened to report our late payment to all three credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have been trying to disptue my Credit file and have the disputed accounts that are reporting erroneous information on my Credit File. While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported as verified. I am requesting that the Credit Bureaus re-investigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. Under the Fair Credit reporting Act, I have the rights to request to the Credit Bureaus to invesigtigate the erroneous accounts on my Credit File, and have the disputed accounts corrected, updated and or removed! However, the Credit Bureaus have failed to send me copies of proof of verification from their investigation. This action of the Credit Bureaus is a clear violation of a consumer rights under the FCRA. Once again, I need the Credit Bureaus to investigate and correct the following disputed accounts on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-10-08
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Chase Bank has notified us that any users of our on-line COMMERCIAL bank account is now required to provide their HOME PERSONAL address to use the company on line bank account. 

We try very diligently to separate the commercial and personal accounts and are not comfortable with a bank requiring personal information to use a commercial banking product. This is a breach of confidentiality to require personal information to access a business bank account. Below is the notice from Chase : '' As you may remember, on XXXX XXXX, 2014 we started requiring that all Chase XXXX users provide their legal first and last name and primary residential address. We 've been gathering this information from our current users in phases, and starting XXXX XXXX we 'll need this information from the users who have access to your accounts. 

We 'll prompt them to provide this information the first time they log in after XXXX XXXX and will require that they enter it before they can view or transact on the account. 

We need this information because our policy requires that we obtain and record certain identifying information about any individual that transacts on a Chase account. 

We also sent this information to your chase.com user ( s ). 

If you have questions, please visit a branch or call us XXXX XXXX XXXX XXXX. 

As always, thanks for choosing Chase. "

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: Experian Information Solutions Inc.
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2016-06-11
Company: DISCOVER BANK
State: KY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calling at least five times a day. Today they are calling every XXXX to 1.5 hrs. Have told them I am filing bankruptcy and to contact my attorney. Still harrassing me.

Company response to consumer: Closed with explanation