BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-13
Company: Brightwater Capital, LLC
State: FL
Product: Credit card
Issue: Bankruptcy

Complaint:
BRIGHTWATER CAPITALC/O XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXXCA N'T FIND ANYTHING ON THEM

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-03-24
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I tried to use my chase credit card to purchase XXXX tkts in XXXX from XXXX tkts and my cc was denied. In fact most chase cc holders were denied due to a glitch in chase bank system. Chase is aware of it and are not willing to help their customers for their mistake. I will not bank at chase due to their lack of responsibility to fix their mistake. I do n't think a dishonest bank should be allowed to get away with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: JPMORGAN CHASE & CO.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was twice charged {$34.00} for overdrafts that were less than {$10.00}, so for over drafting {$18.00}, I was charged {$68.00}. Chase Bank would not waive the fees because they had given me a courtesy credit within the past year. This is outragegous. I understand from XXXX 's book The Unbanking of America that banks make a lot of their money charging people who can least afford it exhorbinant fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-27
Company: Westlake Services, LLC
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I BANK FINANCED A CAR AT A CAR LOT CAR HAD PAPER TAGS PAPER TAGS EXPIRED SO I WENT BACK TO LOT TO GET PLATES TO FIND CAR LOT HAD GONE OUT OF BUSINESS THE NEW OWNERS GAVE ME OLD OWNERS NUMBER I CALLED HIM HE TOLD ME TO CONTACT BANK AND THEY WOULD GET ME PLATES WHEN I CONTACTED BANK THEY HAD NO IDEA LOT HAD GONE OUT OF BUSINESS AND STATED THEY WOULD OBTAIN TITLE AND PLATES FOR ME THAT WAS XX/XX/2016 AND STILL AS OF TODAY I DO NOT HAVE TAGS FOR THE CAR SO I CANT DRIVE THE CAR OF PURCHASED XX/XX/2016 BECAUSE THE BANK CAME BACK AND STATED THE CAR LOT NEVER COMPLETED THE TRANSFER OF TITLE FROM THE PREVIOUS PLACE THEY HAD GOTTEN THE CAR FROM SO THEY SOLD ME A CAR THEY DID NOT HAVE POSSESSION OF. IVE BEEN CATCHING THE BUS UBER AND PAYING FRIENDS AND FAMILY TO TAKE ME HERE AND THERE AND BACK AND FORTH TO WORK MY CHILDREN HAVE BEEN LATE FOR SCHOOL ON NUMEROUS OCCASIONS AND ME AT WORK HOWEVER IM STILL MAINTAINING INSURANCE ON THE CAR

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed this information as being fraudulent and not mine, or opened by me. They have disregarded some of my disputed and then some they have said the accounts were verified which could not be because the credit grantor could not provide me with proof the accounts were opened by me. I have been dealing with this issue for over a year now and I 'm at the point to where I need to hire an attorney to get this resolved if this dispute is n't settled this time. If that is the case I will be suing the credit reporting agency and the original credit grantor on file for each account in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: KEYCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Hello there, I 've been a member with  Key  Bank since  XXXX . I have a Key Previlege account and CD account with  Key  Bank and was told that I will not be change a monthly maintenance service charge per their Personnel Banker  XXXX   XXXX  on my Checking. I did not realize that this account was being charged monthly service fee since  XXXX  of  XXXX  thru  XXXX   XXXX  .This is my savings account for my widow mother. When I received the statement for this account, I did not check activity detail indicate on the statement that  Key  Bank was charging me a monthly fees. Due to the fact that I was told no monthly fees, I did not double check the statement. When monther needed the funds and notice the monthly fees indicate on the statemented for  XXXX   XXXX . We question Key Bank. This is when I call the customer service and spoke to  XXXX  on  XXXX   XXXX   XXXX  was told that she that their system was not able to link my account together since I original open  XXXX  account in  XXXX  since  XXXX  and recently open a CD in  XXXX  WA. I know that it was my mistake for not reviewing the statement monthly, but since this was a raining day funds for my mother I did not think about checking the detail and told upfront no fees would be charged.. I was advise by their customer service (  XXXX   ) t o close my current checking account and open a new account which I did. I feel I am a victim of FRAUD by  Key  Bank and dishonest done by their employees. They were dishonest with me and was told that I will not be charged. I tried resolving this issue with  Key  Bank and after 16 days of waiting for a response I finally received a return call from the Branch Manager  XXXX   XXXX  that the company will only refund the service fees of a couple month. I am asking for t he Seven  month refunds of the service fees that they charged me totaling {$170.00}. I feel that I was taken advantage of. It 's not my problem that there system is not able to link out of states account. I should not pay the price for their system failure.     Thanks  XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-10
Company: JPMORGAN CHASE & CO.
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX, my husband and I were both laid off from our jobs and our home went into foreclosure. The sheriff 's sale was XXXX XXXX, XXXX and we were able to redeem the property on XXXX XXXX, XXXX. We were able to get a loan from XXXX XXXX XXXX, XXXX, MN XXXX for {$35000.00} and in the loan settlement, XXXX made the payoff to the Sheriff of XXXX XXXX, MN. We applied for a refinance loan with XXXX in XXXX on XXXX XXXX, XXXX. Around XXXX XXXX, XXXX, the mortgage loan officer called to tell me that when the underwriter pulled the credit reports, it showed a past due amount of {$15000.00} owed to Chase Mortgage and XXXX needed a letter from Chase stating that we did not owe them any money. I contacted the foreclosure lawyer, XXXX XXXX with XXXX XXXX XXXX, XXXX XXXX, MN XXXX and he said he would contact Chase and get it straightened out. On XXXX XXXX, XXXX, I contacted XXXX XXXX again and he had not heard back from Chase. I asked him for a contact name and number at Chase so I could follow up on this and he told me that he could not give out that information. I then found a phone number on the internet and called Chase on XXXX XXXX, XXXX. I received a call back from XXXX XXXX with the Escalation Department and he requested proof that we redeemed the property. I faxed him the Recorded Document Sheriff 's Certificate of Redemption from Foreclosure, the Settlement Statement from XXXX XXXX XXXX showing that they paid it off, and the Payoff Figures from XXXX Co Sheriff 's Office. XXXX has called me back every week since this time to give me an update, but all he tells me is that they are working on this. He told me it would take until the end of XXXX before they would get this cleared off our credit and I would not get the letter until then. He could never answer my question as to why this was not taken care of in XXXX. It 's been 5 years and it is ridiculous that it should take a month and a half to get this off of our credit and for them to write the letter so we can go forward on the refinance loan. More than likely our interest rate will increase because it has taken so long and our locked in rate has expired. This never should have happened to a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: Missouri Loan Center LLC
State: MO
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
In XXXX of 2015 my adopted mom asked me to co sign a title loan for her. Knowing the title loan has a high interest rate I really did not want too but did. She took my paycheck stubs to the title loan place without me being present or knowing what 's going on. I was under the impression the loan was XXXX. By doing this she is now over XXXX. 
Sunday XX/XX/2015 I have a letter on the door.inside this letter was a contract for XXXX XXXX 2015, it has my signature on it, clearly this is not my signature. Then here 's the letter, my name is totally spelled wrong. The tell me in the letter anything over XXXX is a class D felony and I need to take care of the payment in the amount of XXXX. This to me is they are trying to strong arm me into paying. Which I 'm not going to do. If they take the vehicle they take it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
On XXXX/XXXX/2016 Chase Mtg. recived a check for the balance of my loan, payment in full. Chase reported on XXXX/XXXX/2016 to XXXX a credit score firm a closed account with a {$22000.00} balance, the balance is XXXX not the aforementioned. After checking my XXXX report I learned it shows a open account with a {$22000.00} balance. The account was paid in full 9 days ago and Chase 's reporting to the credit firms is not accurate..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/XXXX I entered into a Modification Agreement with RBS Citizens Bank, in which I promised to repay the outstanding balance over 30 years at a fixed rate of 5 % APR. My principal balance of {$99000.00} would be payable over the next 360 months in equal payments of {$530.00} which includes any interest accured during the billing cycle. My first monthly payment at this new amount would begin XX/XX/XXXX. 
I have now made XXXX monthly payments of {$530.00} of which none of the payments are going to my mortgage. Citizens Bank has added on to the agreement an " accrual adjustment '' of {$6400.00} and also are charging me a " Discharge Fee '' of an additional {$28.00} every month. None of these charges are in my agreement or ever talked about. 
When I contacted my branch in XXXX as to what was happening, they made several phone calls of which nobody seemed to know what to tell me. Another phone call was made when I approached the bank the next month because I did n't hear from anyone. After doing this for several months, I finally got a call back from Citizens Bank and was told I would hear back within 24 hours. As of XXXX XXXX @ XXXX, I have never heard back from the bank. 
XX/XX/XXXX my attorney filed a formal " Notice of Error '' pursuant to XXXX XXXX and have not had a response to this Notice of Error from Citizens Bank as of this day, XX/XX/XXXX. 
I need your help again ... At XXXX years young XXXX, I do n't need this horrible treatment from a bank that I have been a customer for the past 32 years. This bank advertises " We 're committed to you '' ... ..I do n't know who " you '' is but it certainly has n't been me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: JPMORGAN CHASE & CO.
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Payment was made to XXXX XXXX XXXX who transferred my loan to XXXX without notifying me of the transfer and on XXXX XXXX, 2015, I sent a cashier 's check from XXXX for {$6000.00} that was deposited into XXXX JPMorgan Chase by XXXX for XXXX XXXX Payor XXXX XXXX XXXX, property address # XXXX XXXX XXXX XXXX XXXX. Also, I made for {$2000.00} I took out of my XXXX XXXX XXXX via a Cashier 's check that was again deposited in JP Morgan Chase by XXXX for another deposit for XXXX XXXX payor XXXX XXXX XXXX, address XXXX XXXX XXXX XXXX, XXXX for a total {$8000.00} deposited in.XXXX XXXX account with me as the Payor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: EQUIFAX, INC.
State: CA
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 and I write to dispute certain information in my file resulting fro m the ID Theft. I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Dear Sirs, Please help me! I 'm XXXX-year old woman on my own, and my home of 37 years has been yanked out of my hands by judges and attorneys. I tried working with Chase and when I wanted to send payments to them, they would not accept them and would n't talk to me or my son. I could n't find an attorney who would go up against JP Morgan Chase so I went by myself to the Court in XXXX County, XXXX, and did the best I knew how to fight against the attorney there representing JP Morgan Chase. Of course I lost. There 's a silent relationship between Judges and attorneys. I have been fighting for 2 and a half years. I 've pleaded with people, attorneys, the investment companies, and Judges and everyone says they ca n't do anything about it. Please come to XXXX XXXX, VA which is only an hour and 15 minutes from XXXX and see why I 'm so devastated about having to leave my home of 37 years and have to move in with a stranger somewhere. It 's just a 130-year old house needing lots of repairs sitting on the XXXX XXXX. It 's incredible sunrises and breath-taking moons hanging over the river. It 's awesome! Nobody wants to hear about the emotions and memories connected to our homes. Come stay for a couple of days in my home and you will see why I 'm so passionate about not wanting to leave. It 's XXXX running investment companies in XXXX XXXX who now own my home. Why did the government give XXXX dollars to the mortgage-banking businesses, like JP Morgan Chase, XXXX XXXX XXXX, XXXX, etc. to help individuals like myself out of the XX/XX/XXXX crash, only to give top executives XXXX dollars as bonuses? We the middle class have no rights or they try to tell us we do n't. Why has this huge fraudulent crime been allowed by our President and government? Our foreclosed homes are being dumped into thousands of hedge funds only to be sold over and over and allowing lenders to write-off XXXX dollars again and again as a new investment firm buys the whole package of thousands of homes as quickly as every other month. All I wanted to do was run my little business of renting out my home, in the XXXX and XXXX, to busy, stressed out guests who will discover the peace and tranquility of this little town of XXXX XXXX, XXXX. At XXXX, I had a business and place to live until I die. Will you help me go up against JP Morgan Chase? The court says I have to get out by XXXX XXXX, XXXX. At this point, I just want to rent my home. Please help me do that. Thank you so much for listening to my complaint. XXXX XXXX, XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: JPMORGAN CHASE & CO.
State: LA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have a HELOC with Chase and they refuse to take my payments and are continuing to charge me late payments and they are sending me constant foreclosure notices. The reason they are not accepting my payments is because they say I do not have insurance on my property and as a result they force placed insurance. I have sent in documented proof more than once that their information is incorrect and that I indeed have insurance on my property which is required by my first mortgage. I would like to help resolving this issue once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Credit Karma, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I signed up with XXXX XXXX years ago. I have been a victim of false advertisement on numerous occasions. I was told I had a pre approval based on my credit ; just to get denied for credit cards or a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: FirstPoint Collection Resources
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a copy of my credit report and found the following item to be incorrect. I did go to the hospital and get this service. However i had insurance to cover the entire bill gave them the card as well. I provided my insurance card but somehow my credit report showing a collection from this account. They didn't properly handle my payment with the insurance card and made a huge mistake which is hindering my credit worthiness. I still have this same insurance as of today. They didn't bill the insurance company at all. I know i do not owe nothing because my insurance covers 100 % of everything medical. I never received any information about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX XXXX is listed as a derogatory items on my credit report. XXXX XXXX XXXX XXXX is reporting wrong information on my credit report for a debt that was paid in XXXX 2015 in flagrant violation of the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX is reporting a rating of XXXX on a scale of XXXX on my credit for a debt that was paid off in XXXX 2015. It is a wrong credit rating because the debt was paid off. XXXX XXXX is intentionally reporting wrong credit information on my credit report and it has negatively affected me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Credit determination

Complaint:
Applied for Chase saphire credit card. I have an excellent credit. Received a denial on the basis that if within 2 years I was approved for XXXX or more credit cards ( any bank ) I can not get the credit card. It 's very deceiving, because had I known prior to the application that that would be the case I would n't apply and waste a credit inquiry which negatively affects the score! Very disappointed, Chase should disclose and tell the customers PRIOR to applying that this is a condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 ordered a copy of my report and I found out that TRANSUNION still indicates my dispute of information in my credit report. As of XX/XX/2022, TransUnion has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check payment history, date open, last activity, and Status of XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$5200.00} I believe it was reported in error.

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 2016-10-18
Company: Radius Global Solutions LLC
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have a medical bill with an XXXX in town that after setting up a payment plan and making a payment, I was sent to collections a few days later. The collection agency claimed they had no record of me setting up a payment plan or making any payments on my account. The collection agency did not send me any letters, statements, anything, just claimed they did not send out mail or email because they were a collection agency with the sole purpose of collecting the debt. I naively paid the collection agency several times, but my payments were never reflected on my account balance. I recently found out that I was reported to credit for nonpayment of this bill, but the money has come out of my bank account to pay the bill. The collection agency claims I have only made one payment -- one in XX/XX/XXXX and one in XX/XX/XXXX. I have also set up a payment plan with this collection agency, but they claim the payment I set up will only cover assessed fees to my account and the balance will never get paid off this way. They also claimed that making a slightly larger payment will still take me decades to pay off. I 'm not sure what to do at this point.

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