BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I 'd like Chase Bank to issue a letter of explanation about a forged check on my account. It 's almost comical, but I do need the letter so i can complete the refinance of my mortgage. 
In a nutshell : Someone going by the name XXXX forged a check on my account. I alerted Chase and a day later Chase closed my account, and opened a new account in my name. 
While Chase apparently automatically forwarded other autopay orders to my new bank account, somehow the autopay for my Chase credit card - and only my Chase credit card - was not forwarded, and I missed two payments. Chase 's credit card division then reported my delinquency unleashing a cascading chain of events, as my credit rating momentarily plummeted and XXXX is now holding up my mortgage refinance until i can supply a letter of explanation from Chase. 
Chase refuses, of course to admit they goofed, and refuses even to issue a letter explaining the events that led to the late credit card payments. Meanwhile, my credit score has recovered but XXXX 's mortgage division insists on a letter of explanation from Chase before they will allow me to complete my refinancing. 

I am attaching copies of relevant correspondence. 

Please ask Chase to issue a brief letter of explanation, noting that a forged check forced the closure of my account and an oversight led to two missed credit card payments. My Chase account has a balance in excess of {$110000.00}, and the credit card bill was in the hundreds. 

Many thanks - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: GA
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 submitted a complaint last XX/XX/XXXX, XXXX responded but Experian and XXXX 's XXXX is still in progress. Some items are deleted but there are still FRAUDULENT items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. I DO NOT have any idea regarding these fraudulent accounts on my credit report. These accounts are NOT MINE.

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 2016-11-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Other

Complaint:
I used my XXXX XXXX XXXX credit card, issued by Chase, with no foreign exchange fee, for a purchase in XXXX XXXX. The exchange rate used by Chase, provided by XXXX, was incorrect, causing me to overpay by US {$380.00}. The transaction posted on XXXX XXXX, 2016. Chase has twice refused to help because it is an exchange rate dispute. XXXX XXXX has also refused to acknowledge their error. 

For the date in question ( XXXX XXXX, 2016 ), here are the various conversion rates from XXXX XXXX XXXX XXXX XXXX to XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As you can see above, XXXX rate is substantially higher than those of its competitor XXXX as well as the various benchmarks. 

I have also done further research and found that, for the 4-day period from XXXX XXXX to XXXX, XXXX exchange rates from XXXX to XXXX deviated significantly from the rates for mastercard and the other benchmarks. In addition, for the same 4-day period, XXXX exchange rates had the same issue from XXXX to XXXX, as well as from XXXX to XXXX Dollar XXXX I have attached charts for the exchange rate for all benchmarks ( XXXX, XXXX, and XXXX ) for XXXX XXXX to XXXX for those XXXX currency conversions from XXXX to XXXX, XXXX, and XXXX. ( I did not check other currencies but assume there was a similar issue. )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: JPMORGAN CHASE & CO.
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
DEAR FDIC & CFPB, I DO NOT ALLOW CALLING TO CFPB THROUGH VIDEOPHONE SO I PREFER MEETING IN PERSON THAN VIDEOPHONE, UNDERSTAND CLEARLY! I AM NOT SATISFY WITH XXXX XXXX XXXX XXXX THEN XXXX XXXX XXXX REQUIRES PAID ME THEN CLOSED ACCOUNT BECAUSE OF DISCRIMINATED AGAINST MY APPEARANCE NOTIFICATION TO CHASE BANK OFFICIAL IN HIGHEST POSITION AS REQUIREMENT CHASE BANK OR OTHER BANK WHO WILLING MEETING ME IN PERSON CLEARLY UNDERSTAND! THANK YOU MUCH!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
A complete package was sent to Chase for review on XX/XX/XXXX. I confirmed receipt that all of the documents were received. A follow-up call was made on XX/XX/XXXX and they stated the file was under review but a sale date had been set for XX/XX/XXXX. On XX/XX/XXXX we were told that the sale date would be sent for a postponement. When we called again today to check on the postponement we were told that the file is in underwriting for review and they have up to 30 days for a response. XXXX stated that we may get an answer in 10-14 days, but the sale is still scheduled for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
During the period XXXX-till date I have tried to open several checking accounts for personal and business use. The bank forced me as part of the account creation to also have a savings account. I could not open a checking account by itself. 

I agreed to open a Savings account for my business ( XXXX ) even though I did not need that account. I deposited {$25.00} in it of my own money. Obviously since I really did not need this account, I did not use it either. All through out this time, they never paid be a single cent of interest on {$25.00}. 

After several years of non-use elapsed, my account was shut down without my consent and turned over to the California Controller as unclaimed property. I have had 4-5 accounts and credit cards with the bank and they turned over my balance {$25.00} to Unclaimed Property. 

Now the California Controller says that they have received many Claims and because of the volume they can not process my Claim. They very likely will not pay me any interest either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 have a loan with CAPITAL ONE BANK USA, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CAPITAL ONE BANK USA and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX  and CAPITAL ONE BANK USA with no successful resolution. XXXX, XXXX  and XXXX  reporting me having late payments. There was an error on their part. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
When I was on a XXXX XXXX, I was on XXXX but not paid for XXXX months. I contacted whichever company was handling my student loan at that time ( I do n't know for sure that it was FirstMark as my student loan is continually sold to other companies ). I let them know that I was on unpaid leave and asked if they had any options to place my account in a deferred payment status or any options for someone that did not have income. At that time, my account was in good standing. The representative stated they did not have any options for someone with no income. She said I either have to pay it or it would go to collections. I asked again, what options they have for people with no income, as my account is in good standing. She said you either pay it or it goes to collections. 
This is negatively affecting my credit and has negatively affected my ability to gain employment. I would like this item removed from my credit report and the balance forgiven for my XXXX experienced from the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have XXXX loan modification agreements with Chase, finalized in 2013, after my hardship and bankruptcy filing.The bank offered a concessionary rate compared to market rates to reduce the recurring debt service. The difference between the concessionary rate and the market rate for the life of the loan was capitalized in the form of " Deferred Principal '' to be paid at the end of the life of the loan. The " Deferred Principal '' was 7.3 % -7.6 % of the outstanding principal at the time of the loan modification. I am now selling my property ( closing next wek ). Chase 's demand statement requires me to pay XXXX % of the " Deferred Principal '' -- a predatory practice that penalizes the borrower as a Prepayment Penalty. My understanding before the loan modification was that the " Deferred Principal '' was to be earned by Chase over time. Therefore, the " Deferred Principal '' was to be prorated on the basis of the time the loan has elasped compared to the loan maturity. Chase used a fine print -- half hidden from the eye, i.e., not in bold letters -- to lay the trap for an equivalent " Prepayment Penalty ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I keep getting letters from XXXX XXXX XXXX for debts that ARE NOT mine. How do I get them to stop harassing me?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have consistently disputed my account status with XXXX AND EQUIFAX AND XXXX, but my issue still have n't been revolved. It is showing that I have missed XXXX payments and that is incorrect. I just talked to XXXX on XXXX/XXXX/2017 at XXXX and he even stated that was not accurate, but there was nothing he can do. I do n't think that is fair to me because, it is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I applied for a mortgage and a debt collection agency was on my account for a XXXX credit card that is under a different name. XXXX XXXX  acknowledges that the person who opened the account is paying and her name is XXXX XXXX XXXX, but they will not send a letter to the debt collector or the credit bureau stating that this was erroneous for up to 60 days. This was their mistake. That isn't even my name. It is ruining my credit and keeping me from getting a home. The account with XXXX  isn't even on my credit report! The reference number is XXXX with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: Kirschenbaum & Phillips P.C
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
the debt collection firm Kirschenbaum & Phillips had gotten a judgement against me without my knowledge, without any notification in 2009 & has repeatedly tried to collect on a debt I do not owe due to identity theft. I have contacted them repeatedly, filled out XXXX identity theft packets & submitted police reports. They have seized assets in my bank accounts XXXX, which were eventually returned to me. I have been to the county records office/courts to find copies of this judgement & there are no records. 
This is a debt that was created due to identity theft. I have provided all the information and last known whereabouts of the individual who stole my identity yet Kirschenbaum & Phillips has still continued to harass & threaten my assets. 
I can not keep a bank account due to the constant threats of asset attachment. This has been an ongoing issue since 2009.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: WELLS FARGO & COMPANY
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Early XXXX, I called Wells Fargo, and asked what relief they could provide due to Covid-19. At one point in my life I worked as a XXXX XXXX XXXX so I am very familiar with how a forbearance versus a deferment works. I was adamant if all they could offer me was a  forbearance that I was not interested and I was assured by the Wells Fargo rep that they would just put the 3 payments at the back end of the loan and it was not a forbearance so I agreed. Yesterday XX/XX/XXXX, I received a notice from Wells Fargo asking If I need to extend my forbearance or discuss repayment options for the missed payments. I am livid! I was lied to or someone XXXX  up. I want the offer I agreed to nothing more nothing less.

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 2017-01-25
Company: Student Assist Plus LLC
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I am in the process of paying back my student loans. I was unsure of how to go about repaying at a price that I could afford and I got a notice in the mail about student loan help from a company called Student Assist Plus. I did not see anything bad about it on the internet so I decided to give them a call. I was also told that I qualify for the loan forgiveness program by going through them and can also receive low payments for my debt. I did not think anything about all the information that I gave them thinking that it was all associated with my loan debt, however they consolidated all of my student debt and I had a low payment for my loans. I recently contacted Federal Student Aid because I had a problem with my account.The lady that I talked to basically said that I have been scammed because not only was Student Assist Plus listed as a third party on my account giving them access to all my personal information, but the consolidation and access to low payments for my loans is a free service that I assumed that I had to pay for, which was a mistake. I ended up paying so much money that could have went to my loan repayment but instead it all went into somebody else 's pocket. They also have all my personal information and access to my bank account. Lesson learned from this? Contact your loan service first before making in drastic decisions. Do n't just assume just because it came in the mail or that it does not have any negative press on the web that a company is creditable.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-22
Company: Netspend Corporation
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My Netspend bank supposed to had sent me a new card. They sent it to another address in New York. The addressee got my card an activated it. An proceeded to withdraw my money from my account. They withdrew XXXX. XXXX from my account. An left me with a negative. I called my bank about this and filed a complaint. They said it would take about 10 business days for them to investigate it. When I called to check on it. They told me it was my fault and negligence on there behalf. Can you please help me get my Social security money 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 explanation
Consumer complaint received 2021-08-04
Company: EQUIFAX, INC.
State: LA
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: Was not notified of investigation status or results

Complaint:
I SENT IN LETTERS BUT GOT NO RESPONSE ON THE FOLLOWING : I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME THERE IS A CHAPTER XXXX LISTING ON MY REPORT WHICH IS WRONG

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Credit Center, LLC
State: FL
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:
Credit Center , XXXX is reporting a delinquent medical collection account to the credit bureaus under my name. I have sent multiple debt validation letters to Credit Center , XXXX. I sent the original request for debt validation letter on XX/XX/21 via USPS mail. I sent a second validation letter on XX/XX/21 via USPS Certified Mail. ( See attached receipt ) I did not receive correspondence from Credit Center XXXX after my first validation letter was sent out. They waited for me to file a complaint with the Consumer Financial Protection Bureau at which point they still did not provide CFPB or myself with sufficient validation of this alleged debt, instead they attached an XXXX  spreadsheet with a manually typed " timeline '' and a notation that states they'd be happy to validate this debt if I contacted their office. I went ahead and sent out a second validation letter on XX/XX/21 via USPS Certified Mail. ( See attached receipt. ) This company responded to my Certified letter but failed to legally validate this alleged debt. Instead, they sent me copies of sensitive, protected, private information from my medical records including specific medical tests and procedures that were performed as well as prescriptions that were prescribed. This is a direct VIOLATION of HIPAA regulations. I did not sign nor did they provide me with a HIPAA release form authorizing them to have access to this information. Credit Center , XXXX has violated my HIPAA rights. Please terminate this account and cease all collection activities or I will be forced to take legal action in response to this violation. I have attached the forms that were sent to me for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Overlimit fee

Complaint:
I have a Walmart Card with Synchrony Bank. When I opened the credit card I had a balance of {$500.00} in 2014. I was offered not interest on the card for 3 or 6 months. I paid my payments each month, and I also paid off my balance. Every time I paid the full balance, I got a letter from Synchrony Bank stating that they reviewed my credit report, and due to my score they will need to lower my balance. They did this each time I paid the full balance. My credit balance went from {$500.00} to {$100.00}. When they first changed my balance, I did not know, and they lowered my balance below what I had charged. This change in my balanced cost my payment to change from {$25.00} to {$30.00}. When I received my next bill, Synchrony Bank had charged me an additional late fee. I do not understand how a credit card company can practice Re -pricing based of off unrelated accounts. I truly believe I am being discriminated against because of my race, and because I continue to payoff my balance on this card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-22
Company: CORELOGIC INC
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:
XXXX XXXX XXXX  and one of big 3 has broken state and federal laws concerning fraud on XXXX credit card from 2013. The other 2 earased but equifax blocks me from getting on site even as paying customer. Then they have 6 hard inquiereys that they want take off. Also latee payments were not done by FAIR CREDIT REPORTING SECTION 604, 609, 611 AND 623. THESE FOREIGN WORKERS DO NOT DO ANY AMERICAN LAWS WHEN THEY FAKE PUTTING IN DISPUTES. I WANT XXXX FOR XXXX XXXX DOLLARS OFF ACCOUNT AND THEN THEY HAVE ME BEING LATE ON OTHER XXXX CARD AND NEVER LATE. 6 HARD INQUIEREYS WERE NEVER LOOKED AT. SO MANY ISSUES. EVERY BAD ISSUE SHOULD BE STRICKEN FROM MY FILE BECAUSE THAT IS LIKE 2 OTHERS THAT FOLLOW THE FCRA.

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 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 the following creditors XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, Bankruptcy Reference # 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 non-monetary relief