BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX XXXX I entered into a loan agreement with Washington Mutual Bank FA. JPMorgan Chase allegedly started to service the loan after Washington Mutual Collapse on XXXX XXXX. On XXXX XXXX, XXXX I sent to Chase Registered Return receipt, a Detailed XXXX Page qualified Written Request ( QWR ) Regarding this loan. Chase did not provide the information as was requested other than a form letter indicating ; " That they are investigating issues and will work to provide a complete and accurate response '' On XXXX XXXX XXXX, I sent JPMorgan Chase A Rescission letter indicating my wish, desire and right to cancel the loan originated by WAMU under the Truth In Lending Act TILA. I further sent XXXX XXXX on XXXX XXXX XXXX a copy of the letter that was sent to Chase instructing both parties to cease all collection activities on this loan and to comply with the dictates of TILA. Neither Chase, or XXXX has complied. Instead, Chase and XXXX has continued to pursue its collection activities in the circuit court where they obtained a judgment and the district court of appeals where the judgment was XXXX XXXX. Chase and XXXX also deployed the services of XXXX XXXX to achieve their endeavor. Chase and XXXX has now filed papers in circuit court on XXXX XXXX, XXXX to schedule a sale date on my home. I have been forced to defend these collection practices by Chase, XXXX XXXX, and XXXX even though to date, Chase has not produced one scintilla of evidence that they are the Owner and Holder of this loan, or their right to enforce the note. Instead Chase and its lawyers named have continued to violate my rights under TILA and the consumer protection that such regulation affords me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
For several years I have been unable to get my Equifax credit report from XXXX. After answering the questionnaire, it tells me " online delivery unavailable ''. I've called Equifax a number of times and the only response I get is that the problem is with XXXX  and I must request the report by mail, which means I must pay to send it via certified mail due to the confidential nature of the documents they require to prove my identity. ***I do not have this problem with requesting my credit report from XXXX or XXXX I emailed the upper management at Equifax on XX/XX/XXXX and XX/XX/XXXX ( see attached ) to no avail, and then started calling them again. Customer service tells me the problem is with XXXX. When I contacted XXXX, they sent me papers that were completely unrelated to the issue. They also said the problem is with Equifax, not them. It's a run-around. 

I sent an online complaint to XXXX  on XX/XX/XXXX and have not heard back from them yet, but don't expect a resolution if their history is any gauge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Paypal Holdings, Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal responded to my previous complaint and there response does not address nor resolve the claims and contradictions made in there previous responses. As I was having difficulty adding a bank to my now limited PayPal account, An individual simply named " XXXX '' from the executive office department instructed me to send him a copy of my personal banking details so he could manually put the bank on file due to there multiple adjustments being ineffective. PayPal 's executive office received a copy of my personal banking information, only to review my bank account and deem it not currently supported by PayPal at the moment. It's sounds strange to me because I have friends and family who states there XXXXXXXX XXXX account and PayPal account are linked just fine. With that being said, in PayPal 's response they fail to acknowledge that I have attempted to add multiple bank accounts not just one from XXXXXXXX XXXX I'm curious to know if all the banks I tried are non supported as they are all being denied. If so, what is a PayPal supported bank account, and will I be assisted with finding one? Am I supposed to go about opening random bank accounts in hopes that one is PayPal eligible? Lastly in a response that PayPal gave me, they advised me to send my questions and concerns to the executive office via email XXXX. The one problem with that is I don't get a response to my questions or concerns, further more I don't even get a response when I respond to the conversation opened in the message center. I only get a response when I open a CFPB complaint. Why is that? Sadly I'm in the same situation I was in prior to opening these complaints. I currently can not add my bank account on file though they've made multiple adjustments to allow me to do so, I've given my personal details to XXXX who assured he would have it manually added for me to no avail, They claim my account is fine and the bank attempted was just a bad bank so I've tried alternatives with no success, Lastly I go to contact the department I was directed to contact via the method they provided ( Including XXXX ) only to receive no response. Is this proper and ethical?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX CREDIT CARD ACCOUNT NUMBER : XXXX XXXX XXXX XXXX. 
ACCOUNT PAID IN FULL AND CLOSED, THERE IS UNAUTHORIZED RE  BILL CHARGES THAT WAS RESOLVED AND SETTLE AFTER ACCOUNT CLOSURE.

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 2022-07-16
Company: Experian Information Solutions 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:
After the investigation, on XX/XX/2022 i was told the two accounts mentioned are not listed on the credit report and all other accounts have been verified. This was false, I listed all accounts with inaccuracies being reported. Refer to the documents attached which shows proof of my complaint. I have not been given a fair and accurate investigation.

This includes the date last active, the open date, two year payment history, last payment date, and the date last reported. I feel like my rights was violated and i didn't receive a fair investigation. This has cause me so much hardship and stress.

They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

I have not given these accounts written permission to furnish these accounts on my credit report.

Please refer to accounts listed on the documents provided.

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 2022-07-16
Company: EQUIFAX, 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:
After the investigation, on XX/XX/2022 i was told the two accounts mentioned are not listed on the credit report and all other accounts have been verified. This was false, I listed all accounts with inaccuracies being reported. Refer to the documents attached which shows proof of my complaint. I have not been given a fair and accurate investigation. 

This includes the date last active, the open date, two year payment history, last payment date, and the date last reported. I feel like my rights was violated and i didn't receive a fair investigation. This has cause me so much hardship and stress.

They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

I have not given these accounts written permission to furnish these accounts on my credit report.

Please refer to accounts listed on the documents provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31
Company: Experian Information Solutions 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:
Noticed account listed on credit file with multiple errors : late payment history, missing data, incorrect balance and unrecognized interest and fees. Disputed account with credit bureau to obtain validation of data being reported. They have knowingly reporte inaccurate, unverified data without proper debt validation. I requested that XXXX XXXX provide validation under FCRA sec 609 but after 60 days I have yet to receive proof and this is a clear violation of my consumer rights.

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 2020-08-03
Company: Duvera Billing Services, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
For two years payments have been made to XXXX XXXX XXXX,  however the bill isnt going down being the interest rate is set at 130 %, which causes the terms of the loan never be paid off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: JPMORGAN CHASE & CO.
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Received a tax bill from Chase Auto in XXXX of XXXX for XXXX XXXX XXXX. 
Property taxes of {$380.00} was paid on XX/XX/XXXX to Chase Auto. ( This is the attachment labeled : XXXX  ). 

Car was purchased from XXXX on XX/XX/XXXX after lease was up. 
In XXXX of XXXX received tax bill from XXXX of XXXX for {$350.00}. 
When questioning the town of this and showing them the {$380.00} was paid in XXXX they indicated Chase Auto should have only paid {$64.00} for the XXXX time frame and that a refund was to go back to Chase Auto and then come to me after it was paid to Chase Auto . Document labeled : XXXX shows this. This was mailed to Chase Auto and in speaking with them they indicated they received this in early XXXX and mailed the request form for repayment to my town Tax Collector. 

I am in weekly communication with the tax collector and to date they have indicated they have not received the signed form. 

I called weekly and sometimes multiple times to Chase Auto and I when I asked to speak with a manager they put on on who assured me it would be handled. 

I faxed the document : XXXX on XXXX. This is shown in the document labeled : XXXX 

I have not heard word back from her since then even though repeated attempts to inform her that the mail was never sent. 

I did speak with another manager on or around XX/XX/XXXX and spoke with a manager named XXXX and he advised that sending to an email address was the best method and that it was best to left in XXXX 's hands so the case didn't have to start over. 

I did verify the email address with him by having him read it back to me and we also confirmed that the mailing address for my tax collector was correct. 

I called back on XX/XX/XXXX to ask again and they told me my case was closed and when I asked to speak to another manager they told 48 to 72 hours on the call back. 

This is very frustrating as I keep being told different answers, from 2 to 4 weeks, to 12 weeks to 18 weeks. This is money owned to me that I put out. I don't understand how this practice is allowed and how they can take advantage of people that need that money. This has been hard times for a lot of us and it was money we put out to cover our bills but can use it back for paying federal and state income tax. 

I also want to know what penalties can be imposed on Chase Auto to correct their bad business practices. If there is another agency that I can contact after I am refunding what is owed me I would greatly appreciate knowing this. 

Thank You! 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-26
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have spoken with Navy Federal Credit Union on multiple occasions.  NFCU is the only company I have an issue with in getting SCRA full benefits for my husband. All the other companies lowered the interest and the monthly minimum due using the same paperwork and same DoD website that NFCU refused time and time again. After being denied SCRA benefits ( of interest reduction ) for months, being accu sed of lying about my husband 's  XXXX   XXXX  service, they finally corrected that. However, they refuse to lower the minimum due. This is against  SCRA as well as, ironically, the information NFCU has on their 'Military Pay  ' App.      SCRA specifically says a financial institute CAN NOT accelerate the payment of the principal balance. By NOT lowering the minimum due, that is exactly what NFCU is doing.      Attached is a screenshot from their APP, stating " Furthermore, the monthly payment must be reduced by the amount of interest saved during the covered period. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-16
Company: OLD NATIONAL BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
After a merger with First Midwest, I have been unable to access my bank accounts online for a week. I have tried three separate times to contact client care, have waited a total of 8 hours on hold, and have never gotten through. I never received a new debit card or an email prior to the merger about a different login process and had no warning that my debit card ( which i just received this month from the previous banking company, first Midwest ) and am not reading on the website that I can not use my old debit card and I have no new one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: CITIBANK, N.A.
State: CO
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:
On XX/XX/2022, I used my Citi Costco Credit card to purchase 4 airline tickets to XXXX for a family vacation for {$4900.00} from online website XXXX. Immediately I got a fraud alert text asking if I made the transaction. Text 1 for yes, text 2 for no. I texted 1 for yes. Then i received another text saying transaction was denied and to call Citi. I called Citi and told them it was a valid charge but was told that once declined, I would have to rebook my tickets. The charges will not go through. Customer service told me they will let a one time large purchase go through and advised me to rebook. So I rebooked my tickets a second time with online website XXXX  for {$4100.00}. The difference was the Covid insurance I decided not to purchase. The two online websites were of the same company as I found out later. I received confirmation email from both websites ( for 8 tickets ) the NEXT DAY. I immediately called Citi and told them what happened. Customer service advised me that the first declined charges were resubmitted 5 times after the original refusal by Citi. I also called XXXX  to ask them how the charges were able to go through. I didnt get very far with the XXXX  customer service. He told me if I want to cancel the tickets Id have to pay {$580.00}. Then I called Citi Customer service whom suggested i open a dispute. So I opened a dispute. This has gone back and forth since then. First on XXXX Citi found that I was responsible for the entire amount they sent me a huge packet of paper asking me to explain whether merchants cancellation policy was explained to me at time of booking and to provide documentation etc. I called Citi many many time to say it was online booking and I only received my confirmation email from XXXX This dispute have gone back and forth since. Originally this was labeled as cancellation in the dispute but then changed to duplicate order. Citi bank settled with the merchant. I am to pay {$2200.00}. I have called at least 6-7 times and each time with a different person. The last senior account manager, XXXX, told me theres nothing Citi can do for me. It is between the merchant and I. He agreed that this was fraud on part of XXXX  but said Citi did everything correctly. He offered me {$170.00} to settle everything. I am exhausted at this point they have wore me down and i agreed. Except I get an email later saying dispute is resolved and {$74.00} is credited to my account. I am beyond believe and angry and would like you to help me get ALL my money back. Citi has not done its job in protecting me and tried to cover their mistakes. I did exactly what Citi asked me to do rebooking and I am stuck with {$2200.00}.

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 2017-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Noticed account listed on credit file with multiple errors : late payment history, missing data, incorrect balance and unrecognized interest and fees. Disputed account with credit bureau to obtain validation of data being reported. They have knowingly reporte inaccurate, unverified data without proper debt validation. I requested that XXXX XXXX provide validation under FCRA sec 609 but after 60 days I have yet to receive proof and this is a clear violation of my consumer rights.

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 2022-03-22
Company: EQUIFAX, INC.
State: MD
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: PNC Bank N.A.
State: IN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
1 ) I asked PNC Bank to make automatic deductions of {$82.00} from my checking account monthly and pay XXXX XXXX XXXX. 
2 ) Deductions were made sporadically. 
3 ) XXXX XXXX XXXX contacted me around XXXX stating that I no longer had to pay a XXXX Late penalty of {$6.00}. 
4 ) Around XXXX payments were decreased to {$79.00}. 
5 ) PNC did not make deductions in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX which resulted in me being disenrolled from the insurance. 
6 ) In XXXX, XXXX- {$79.00} payments were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
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:
I set up an account with Experian in XX/XX/XXXX. In XX/XX/XXXX, I received an email from the company saying that my email had been changed. I had not requested this so I tried to log back into my online account. When I could not do this, I emailed Experian to explain that someone had fraudulently accessed my online account. They locked my account and told me to either mail or FAX identity proof to them. I faxed them the proof but never received confirmation of receipt of the FAX nor of my account being rectified. I have tried to call them numerous times, but ended up going through their automated menus and being hung up on. Today I was able to get someone on the phone who said they could change my email address. However, when I tried to sign back in, I was rerouted to an offer, and then when I tried to complete that " purchase '' the website threw an error. This happened several times. It gave me a number to call. When I called it, it was the same automated menus. I could continue to email and send mail, but there is no confirmation that it works.

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 2022-07-16
Company: Freedom Mortgage Company
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:
I am in an active forbearance now due to the fact I was sold a house that doesn't meet VA loans approval at all in the last 2 months freedom mortgage has added XXXX and XXXX to my principle balance lowering my credit score by XXXX points under the cares act it not supposed to negatively affect me at all this needs to be rectified immediately!! they are giving me the run around and blaming everyone else other than them making the mistake i only owe XXXX not XXXX i bought the house for 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 explanation