BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-16
Company: JPMORGAN CHASE & CO.
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
XXXX of XXXX, FL ( Representing XXXX XXXX ) has our entire bank account of over {$4000.00} on hold for garnishment for a credit card debt with Chase Bank from 2002 from a previous marriage without any notice at all. Even though my name is on the bank accounts along with my husband, son and my mother, I am on there as a convenience only. XXXX has told me that the statute of limitations is 20 years, for credit card debt. However, the limitations is 4 years. Lis Pendens was not filed. Now that I have purchased a round trip plane fare, filed for an exemption, XXXX ( representing XXXX XXXX ) have filed a motion for a telephonic hearing. Because of this, my husband had to get a {$5000.00} loan to cover all our bills including return checks and nsf fees. I really appreciate anything that you can do to help me in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card
Issue: Credit determination

Complaint:
I applied for a Chase XXXX XXXX business card. I was told I have " a good credit file. '' ( I know from independent checking that my credit score is over XXXX. ) I have no late payments or over-limit spending. I was denied because Chase said I have received too many credit cards from other banks in the past two years, even though they could not tell me what number of cards is too high because, they answered, there is no set number. It could be XXXX, or XXXX, or XXXX. It could be different for each applicant ; meaning that the criteria is completely arbitrary and can be implemented in a discriminatory manner. 
They could not articulate why the number of different cards I have received and used responsibly provides any indication of credit unworthiness. ( I continue to receive credit card offers in the mail. ) Chase said the decision is " not reviewable '' and there is no recourse. I asked : with which regulatory body I could file a complaint? Chase said my complaint was not a " regulatory issue, '' so there was no government agency with which to file a complaint, but offered only the XXXX. Chase said they could take an internal complaint, but could not tell me of any impact or process that complaints generate, other than that they are sent to an " escalation '' department. But I would receive no response, clarification, review, reconsideration, etc. 
Chase 's credit-issuing criteria are very non-transparent, arbitrary, and potentially discriminatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I HAD MY BUSINESS FALL APART DURING THE RECESSION I WAS JUST GETTING ON MY FEET FINANCIALLY WHEN I XXXX WORKING I WAS ABLE TO GET A LOAN MODIFICATION ON MY FIRST MORTGAGE THROUGH XXXX AND HAVE BEEN CURRENT EVER SINCE. BUT I APPLIED FOR A LOAN MODIFICATION ON MY SECOND MORTGAGE THROUGH MAKING HOME AFFORDABLE AND CHASE BANK AND HAVE BEEN DENIED MORE THEN 5 TIMES WE HAVE BEEN DUAL TRACKED MOST OF THESE TIMES HAVING A SALE DATE AND LOAN IN UNDERWRITING AT THEM SAME TIME. THAT IS CLEARLY AGAINST CALIFORNIA LAW. WE GET TURNED DOWN FOR TO MUCH INCOME, THEN NOT ENOUGH INCOME THEN ASKED TO REAPPLY. WE WANT TO KEEP OUR HOME WE CAN NOW AFFORD A PAYMENT I AM A XXXX VETERAN AND ITS BEEN ALMOST 3 YEARS SINCE OUR FIRST SUBMISSION I JUST SUBMITTED AGAIN YESTERDAY PLEASE HELP US

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 head identity theft is use for 10 years I finally had gained a long time credit card and then to cards within the last year making perfect payments and I kept getting in card enquiries and collections from medical hospitals and doctors that I had no awareness of and they were investigated and removed the company is switching up the names in the keep getting put back on my report I had got my score up to XXXX and XXXX is now Is refusing to remove the same collection account that is fraudulent that they already disputed last year and consider fraud somehow this company keeps popping up and getting through even though all my reports are lot the same goes as hard inquiries and I have a statement on there that says they need to XXXX call me and ask me for some personal information to run my credit I never once have agreed to let anyone run my credit except for my main credit card that is the most recent my scores have dropped tremendously within one month and the credit agency had a raced every single thing on my credit report many years of good payment history and both my current credit cards that I had been paying for NA more than perfect way, now that that happened it is messing with all 3 credit bureaus Because they were all at XXXX and XXXX And after XXXX  deleted everything when I made a dispute over a hard inquiry that I did not approve of they deleted everything in it affected all 3 bureaus now the issue is XXXX will not remove the collection in the day already disputed last year they have no good history that they were reporting and they have no reason to remove it they made the mistake and lost the information.

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 2016-01-22
Company: JPMORGAN CHASE & CO.
State: CO
Product: Other financial service
Sub-product: Check cashing
Issue: Fraud or scam

Complaint:
I had a contractor who fraudulently endorsed a third party check with my mortgage company 's endorsement instead of sending it to my mortgage company the contractor deposited it into his checking account which was JP Chase Morgan. My mortgage company then filed the appropriate documents which were affidavit confirming that the endorsement on the check was not their endorsement. JP Chase states that they are willing to return the said funds but claim that they will only do this if my mortgage company send them documents of my mortgage history. My mortgage company advised me against such an agreement stating that the affidavits from them should be sufficient enough to have the said funds returned and that what JP Chase bank is attempting is illegal. It is my belief that JP Chase is aiding and abetting the crooked contractor who believes that the unauthorized work he completed on my home should be offset from his fraudulent activity. In fact JP Chase refuses to communicate to my mortgage company as to why they are requiring my mortgage history. I know that the crooked contractor threatened to file a lien on my property if he did n't get paid which he is allowed to do on his own accord, but it looks as though he has involved his bank JP Chase in his criminal activity. He is more than welcome to file a complaint with his attorney for the unauthorized and shoty work he has done to get this situation resolved. JP Chase Morgan Bank is attempting to extend the process by asking for my mortgage history which they were aware my mortgage company would not agree to therefore causing a stalemate situation. My mortgage company believes that once JP Chase Morgan is in reciept of my mortgage history they will release the check fund to their client.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: Lewis, McDonnell & Associates
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 have a collections account reported on my credit report that should not be. According to the statute of limitations in the State of Texas, creditors can not report an account if the account is older than 4yrs. This particular account in the amount of {$1400.00} was closed back in XXXX  and the creditor is just now try reporting. Creditors has the right to contact me directly to resolve, but they do not have to right to report on my credit report if account is older than 4yrs. old.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02
Company: Franklin Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was actually a mistake on XXXX behalf. I had XXXX internet and they mistakenly charged me for months of usage. I was on the phone with XXXX for over two hours and I was able to take care of the charge and pay a total of {$45.00}. This also came up last year and I disputeted and it was taken of my credit but this has appeared once again and it 's pretty annoying seeing my perfect credit have a derogatory mark. I have never received anything from them either so I have no idea how they received my info and ss.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have recently contacted the schools and the loan servicers in reguards to my student loans. I have received student loans from the schools in an attempt to persue a XXXX career, XXXX is the school which I was going to in the beginning and I was told I no longer qualified so I went to XXXX XXXX College who allowed me to go a semester and discharged me telling me I did n't meet the criteria. I then went to XXXX XXXX College where they told me after a less then a half semester that they were n't able to identify my records from lone star college. Upon starting school at XXXX XXXX College I received a diploma from a school which I was under the impression was an accredited high school which I later found out was not. XXXX XXXX nor any of the other schools verified this information and I feel as though I should have the loans forgiven or discharged since none of them schools verified the information and I was falsely certified your eligibility to receive the loan based on your ability to benefit from its training, and you did not meet the ability to benefit student eligibility requirements. I have since finding out the information contacted the loan servicer since unable to get any assistance from the college with no response to getting this matter resolved., The loans were originally with XXXX XXXX and have since been transferred to Nelnet .

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
I purchased something with my chase credit card. The merchant charged me an additional {$180.00} without my permission. After speaking with Chase, they told me they would send me XXXX dispute letters to respond to. I waiited for the second letter but it never came. So I mailed the letter back to chase with all of the requested documents. Two days later I received a call from Chase saying the dispute was decisioned even though they did n't have my documents. Chase based their decision off of a verbal promise from the vendor ( who fraudulently charged me ) that their Terms & Conditions allow them to make such additional charges. The Chase representative responsible for the case never even received the actual Terms & Conditions from the vendor, per the representative. The Chase representative said they only sent me XXXX letter, and then changed her story and said they sent me XXXX letters. Then she said I only needed to respond to XXXX of them, but that was only after the fact. Originally Chase told me I would receive XXXX letters and to complete and return them both, XXXX of which was lagging by 4 or 5 days, so I wanted to follow instructions that Chase told me to comply with. So Chase never even gave me a fair review because they never viewed my dispute statement or supporting correspondence documentation. Ultimately I never received my merchandise be the vendor is saying I forfeited the item because I did n't pick it up for 21 days while I was working with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting Act XXXX  Acct # XXXX XXXX XXXX  Acct # XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A states that I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an 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 2015-04-14
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I would like request a review of our previous Chase mortgage account. In XXXX XX/XX/XXXX, I requested to have a payment deferred to assist with paying for my daughter college tuition. A severe car accident made my daughter realize that she was better suited for XXXX instead our original college arrangements. Unfortunately, the timing of the situation created a financial burden. I had obtained a XXXX job but it would take some time for the income to make a difference. I contacted Chase to make the arrangements. I was instructed to make the following payments on specific dates, usually after XXXX & was informed it would only have a slight effect on our credit, nothing to compare to if I missed a payment without these arrangements. Later we starting receiving notices of foreclosure & we contacted that mortgage company. They stated that their system does not recognize the payment arrangement & we should ignore them. 
Recently we contacted our bank to refinance a car & they mentioned that it seems it affected our credit as a foreclosure. This same bank also does our taxes & they said the amount of interest we have paid for XX/XX/XXXX & XX/XX/XXXX is as if we completely refinanced our house. Shortly afterwards, I looked at all of the interest statements & the amounts were very erratic. I really believe something went terribly wrong with this deferred payment and it seems to permanently affect our credit & our finances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-03
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
I enrolled into XXXX institute to take a XXXX program. they promised me job placing and that i will have a great job to pay back student loan. I received a grant of {$9000.00}. when I completed the program, I had to call to ask for my diploma and certificate. They told me they would mail it to me and call me back which I never received either. I now found out the school has been through a lawsuit and has been shut down. and they have over charged me for the program which added up to {$16000.00} and now forced me to be in debt for a scam they did to all students.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
We refinanced our home with Chase bank in XXXX. Instead of paying off our credit cards like we thought was going to happen. They did the refinance at more than our home was worth and gave us a line of credit adding another debt. We had a few hard times over the last several years. XXXX was told she has XXXX then I XXXX and was off from work four months. After returning to work three months later was riding the bus home and the driver moves and stopped before I sat down and I XXXX. The next year XXXX fell and XXXX and it needed to be XXXX. u can see where we r now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I closed a locker at my Bank of America branch ( XXXX XXXX, CA ) in XXXX 2016. They were supposed to refund my deposit of {$25.00} to my checking account. Its been 6 months and I have called them 3 times but nothing seems to happen. 

Can you help me get my $ $ back?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-17
Company: The CBE Group, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They will not tell me what the debt is. They call several times a day even though I told them my husband is unable to talk. ( He has XXXX ). They never sent anything in the mail explaining what this was about.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Bridgecrest Acceptance Corporation
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Got a police report somebody stole my identity

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 2016-09-30
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Went to office Wachovia Bank. Set up a account for my parents where I had power of attorney. Bank officer did not tell me power of attorney ends with death of my parents. There is {$2500.00}. which I can not het my hands on because to probate would cost me {$2500.00}.

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 2016-04-13
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Navient has been tasked with my loan consolidation. I started receiving many threatening phone calls back in XXXX when I was out of school. They were not nice calls and many threats were made. I was going through financial hardship including a 9 year long custody battle, another divorce, and soon thereafter a bankruptcy. 
I was able to place my other loans ( I thought all of them ) into deferment/forbearance while I was dealing with my personal issues and was expecting the consolidated loans to be deferred as well. I 'm not contesting the loan, I just needed time to get financially stable before starting repayment. 
As job prospects were not what I hoped for, I decided to go back to school starting XXXX XXXX. I filed the necessary paperwork for in-school deferment. I received notice that my loans were in in-school deferment. I thought everything was fine. 
I am still in school and expect to be finished some time between XXXX and XXXX XXXX. 
I recently reviewed my credit report and the loans serviced through Navient are now showing up. They were not there before! It seemed as though everything was in deferment, but now they are not and while trying to get my life back together, finish school and rebuild my credit, Navient is causing issues. 
Again, I am not contesting the loans. I just want them to be placed in in-school deferment so I can focus on school and not have to worry about dealing with Navient until I finish my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: LEXISNEXIS
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am filing a complaint on Lexis Nexis because I have requested my risk file from them by mail on several occasions to see what is being reported about me because I continue to be denied for credit based on their information. They have not responded to my request at all.

Company response to consumer: Closed with explanation