BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-29
Company: JPMORGAN CHASE & CO.
State: LA
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:
Chase Bank says I have to pay over {$5000.00} for fraud charges. Crazy thing is I have two chase credit cards, both of which had fraud charges from the same merchant for thousands of dollars that were made on the same day. On one card they admitted it was fraud and removed the charges but on the other they say I told them it was a valid charge. I NEVER told them these charges were valid. The only reason I called in the first place was to report the charges so why would I say they were valid? That makes no sense. I clearly was not in XXXX where the charges were made. I have proof I was working that day. They couldnt/wouldnt tell me anything about where or even how these charges were made. How can charges on one card be fraud and the same exact charges on the other ( from the same merchant ) be me? They admitted the charges were fraud when they removed them from my chase freedom card. Its obvious fraud but they are going to force me to pay them thousands of dollars that I dont have. Ive been a chase customer for almost 20 years and have never had any issues. I have a checking account and 2 chase credit cards ( that I will no longer be using. ) I no longer feel safe with Chase. Im just appalled by the way this was handled what little they did to help me find the truth. I am contacting an attorney as soon as possible to find out what my options are because I plan to fight this. The proof is there and I am left with no more options.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Experian Information Solutions Inc.
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:
Experian sent me a letter, stating my dispute was claiming material misrepresentation which is a lie on their behalf. First of all Experian continues to certify a charge off account and continues to report said account every month as derogatory. I do not owe this account. This debt has been discharged in my Chapter XXXX bankruptcy case. Yet Experian continues to attempt to allow the creditor to collect on the account. Discharged debts in US Bankruptcy court are not collectible. Experian fails to comply with the bankruptcy laws. This account has been discharged and it should be marked as such paid and closed. Chapter XXXX bankruptcy. Which was filed on XX/XX/2021. All credit bureaus have reported this account discharged. BESIDES EXPERIAN. Failure to comply with the law will allow me full rights to sue Experian for violating the us bankruptcy laws that protect consumers.

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 2016-11-09
Company: Arbor Residential Mortgage LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
SENECA MORTGAGE SERVICING XXXX XXXX XXXX XXXX, NY XXXX REQUEST : SENECA TO STOP COLLECTING PMI, AND REFUND ALL PAID PMI Our mortgage loan from XXXX was transfered to XXXX XXXX XXXX XXXX ( XXXX ), on XXXX XXXX. 
XXXX XXXX XXXX XXXX ( XXXX ) according the PROMISSORY NOTE reduced all ESCROW COLLECTIONS FROM {$200.00} to {$87.00}, for period until XXXX XXXX, and ELIMINATED Private Mortgage Insurance ( PMI ). An ANNUAL ESCROW ACCOUNT DISCLOSURE STATEMENT was sent to us, from XXXX on XXXX/XXXX/XXXX, with effective XXXX/XXXX/XXXX, and monthly payment {$940.00}. Shortly thereafter, XXXX transferred servicing right to SENECA MORTGAGE SERVICING LLC. 
On XXXX XXXX SENECA confirmed this transfer, and WROTE THAT NOTHING WOULD BE CHANGE IN OUR LOAN. We paid monthly {$940.00} monthly to SENECA ( look Mortgage Statement from XXXX XXXX ). 
But, later began to send letters for payment, and without any reason ADDED PMI, AGAINST THE PROMISSORY NOTES, INCREASED EVERY FOUR MONTHS, OUR MONTHLY PAYMENT, ANY OUR REMARK OR REQUEST TO STOP INCREASING THE MONTHLY PAYMENT, SENECA IGNORED! 
PMI is not INCLUDED in PROMISSORY NOTE, and SENECA HAS NOT RIGHT TO TAKE THIS. 
In the letter from XXXX, from XXXX XXXX is this explaned, also! 
WE ARE ENTITLED TO A REFUND OF ALL PMI PAID! 
IF SENECA AGAIN IGNORED TO SATISFIED OUR REQUEST, THIS CASE WOULD BE ACCORDING ARIZONA DEPARTMENT OF FINANCIAL INSTITUTION, SUBJECT TO THE COURT! 

******** AFTER THIS LETTER, WE CONTACTED XXXX XXXX, AS LOAN GIVER-INVESTOR TO HELP US, BUT XXXX XXXX NEVER GOT ANY ANSWER FROM SENECA. 
We pressed SENECA, TO STOP INCREASING OF OUR MONTHLY PAYMENT, XXXX ASKED TO RETURN ALL IRREGULAR TAKEN MONEY FOR ADDED PMI IN OUR LOAN, BUT WE NEVER GOT ANSWER FROM THEM. 
ON XXXX, we got the letter from SENECA , THAT SENECA SOLD-TRANSFERED OUR LOAN TO " XXXX '' MORTGAGE LLC. ( look letter from XXXX/XXXX/XXXX ). Probably to avoid following consequences! 
We contacted XXXX XXXX in XXXX, XXXX and XXXX many times but they could not do anything. 
In between, XXXX asked for payment the loan, and never want to TALK WITH US. WE WANTED NO TO BE LATE WITH OUR PAYMENT AND SENT PAYMENTS, FOR THESE MONTHS, to " XXXX XXXX ''. WE ARE NEVER IN ANY DEPTH AND NEVER LATE WITH OUR PAYMENT. 
iN FACT, SENECA TOOK MORE MONEY FROM US, ADDED PMI, since XXXX XXXX to XXXX XXXX. We need this money back, and all reduction in our loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/21 an unauthorized transaction was completed from my savings account to my checking account in the amount of {$5200.00}. The amount of {$5200.00} plus an additional {$3000.00} that I had in my checking account equaling a total amount of {$8200.00} was then wire transferred to a XXXX XXXX account under the name of XXXX XXXX XXXX with a memo claiming " Boiler Repair ''. This transaction was done without my knowledge or approval. 

I have had two declined claims from Chase and am currently in the process of a third claim with Chase 's executive office ( claim # : XXXX ). I would like to claim the transactions between accounts and the wire transfer as fraudulent and unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Tried five times to freeze account since XX/XX/XXXX both online and then by calling the telephone number they sent me via usps mail. Froze both the two other bureaus within 5 minutes. 
Currently been on telephone hold with Equifax for one hour five minutes on the number they gave me and still waiting. This company should not be in business in U.S.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Springleaf Financial is another one that started in XXXX County because that is where I live. Payments were being taking out of my check regularly to satisfy my amount due. However, at some point again XXXX County stopped taking the payments. Instead of Springleaf contacting me to make arrangements, the also went to XXXX County after 5 or so months. I believe that this behavior from them is being taken against me because I requested that they remove inaccurate information from my credit report. I asked that Springleaf remove themselves because at the time I thought that my account was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: CASHCALL, INC.
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX XXXX of XXXX contacted a family member and gave out my personal information, that has caused hardship with my family. Is this a violation of privacy and is there any recourse?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies.

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 2016-11-09
Company: McCullough Payne & Haan, LLC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
COMPANY DEMAND PAYMENT ON ACCOUNT OUTDATED SINCE 2007, NOT MY ACCOUNT, PAST THE STATE LIMITATION TO COLLECT PER OCGA 9-3-23 AND 9-3-25

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 2015-12-10
Company: Convergent Resources, Inc.
State: UT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Convergent Outsourcing, Inc. sent a demand letter to my client alleging that she owed {$970.00} to XXXX. She does not have, and has never had, an account with XXXX. The fraudulent demand offers to settle for 50 % if she pays within 45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: Firstsource Business Process Services, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Got a call from a XXXX XXXX who said he is calling on behalf of One Advantage LLC for Account # XXXX. He said I have to take care of this business matter today or they will proceed to take further legal actions and will file a motion to garnishment against my check within the next 24 hours if the matter has not been resolved. The person that called me had a XXXX accent and was very rude. He said the amount was for XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: RoundPoint Mortgage Servicing LLC
State: MS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased my home in XX/XX/XXXX. I refinanced my home in XX/XX/XXXX. At that time it was a streamline refinance. I had no closing cost. My home was sold to a lender which was round point mortgage in XX/XX/XXXX. In XX/XX/XXXX I received an escrow letter stating I owed around {$1600.00} in escrow because of my county and city taxes. I understood this because the total taxes were not refinanced into the mortgage because, the taxes were based on an empty lot. I sent a full amount and the mortgage was adjusted to include the amount. Now I receiving an escrow letter stating they want {$1000.00} for cushion in escrow or they will raise my mortgage again to reflect a cushion amount. Everything is being paid. And the escrow account is left to a {$0.00} balance. I feel since everything is paid there is no need for a cushion amount of {$1000.00}. And if they needed a cushion amount this should have been explain on the front end of the refinance or the year the escrow was short for the taxes owed and they adjusted the mortgage. Now I am looking at another {$100.00} in mortgage adjustment I can not afford or a full payment of {$1000.00} of cushion I can not afford. This almost feel like an adjustable mortgage rate. My mortgage is going up {$100.00} every year. I can not afford this. And I should not be forced to do either if everything is being paid. Cushions of escrow along and adjusting monthly payments is not acceptable if there is no shortages at all. Or they can simple ask for the shortage amount to be paid. But how can you ask for a cushion two years later?

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 2016-07-11
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech financial was servicing my mortgage at the time I sold my home on XXXX XXXX, 2016. I was told that the escrow check would be mailed out on XXXX XXXX and I needed to give XXXX10 business days for delivery. The check was never received On XXXX XXXX I called back and requested a stop-payment on the original check and requested a new escrow check. That check was never received. On XXXX XXXX I called back and requested an update. I was told that there was an error in processing all escrow checks for the company and the escrow check was being mailed on XXXX XXXX. As of XXXX XXXX, I still have not received my escrow refund. I was told by Ditech customer service that the check was mailed on XXXX XXXX and I need to wait 30 days before they will issue a stop payment and send another check. Customer service informed me that XXXX escrow checks were delayed by the error in processing.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My client has a collection from an apartment complex, but my client paid everything once he moved out. Not only the apartment complex didn't give him back his deposit, but they are also claiming extra balances and fees that my client does not recognize. Hunter Warfield bought the debt and it's been trying to collect the amount claimed. On XX/XX/2021I sent a letter asking for verification of the debt, then on XX/XX/2021, the collection agency sent us a copy of the lease contract and a separate page with balances and charges that my client does not owe. On XX/XX/2021 I proceeded to send a second letter stating that the extra fees and balances that they are claiming are not written down in the original lease contract. By today XX/XX/21 the collection agency still hasn't responded.

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 2021-07-29
Company: MRS BPO, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The same company keep putting XXXXXXXX XXXX on my account the take it off put it back now they are saying it's accurate. Have live at my address fir 7 years have never had XXXX.

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 2017-02-01
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have my student loan serviced now through Navient. I have also submitted by complaint and concerns to Navient, but to no avail. Navient was responsible for the decline of my credit score and reporting information that was erroneous solely because of Navient dropping the ball. I faxed over my banking account information and called them repeatedly to ensure that my loan was being taken out of my account so that payments would be current. I did not find out until it was too late that they never took out the payments and that caused me to fall three months behind. I do not regularly check my checking balance, it is not necessary as I know what is taken out and keep a balance from falling below a certain level. I truly feel their not taking out the payment was done purposely and with intent to have this negative reporting. I sent them all the paperwork proving that they received the information. i spoke to numerous managers and staff to try and have this reversed. They are somehow " blaming '' the government for this, I do n't understand how that makes sense, but regardless, it was them dropping the ball on this. After the fax was received, I spoke to a customer rep who assured me they had it there and the payments were being taken out. 
Not only is this the only issue with Navient. I have been told not to make extra payments, I have been charged interest while on forbearance, they never looked into other options for me. 
This whole loan process has been a disaster and I called them asking for an audit of my account, and I was refused. Please help me figure this out and because of this negative credit reporting, I am unable to get credit cards, take out a mortgage or do anything credit related. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: CIT BANK, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I tried to open the account with CIT Bank. Even after providing all the information on the online application page - it 's just not even moving any further. So many other consumers are also facing the same issue due to the terrible website that they are having. Called them thrice yesterday about this issue and they ca n't fix it. There is no other way to open the account with CIT Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Mr. Cooper Group Inc.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX - Set up via XXXX XXXX XXXX Bill Pay. {$2600.00} withdrawn from bank account on XX/XX/XXXX, posted on Mr. Cooper on XX/XX/XXXX XXXX - Payment ( {$2600.00} ) sent via bank and set up as electronic per usual. I received a rejection stating that Mr. Cooper is requesting check. Therefore the bank sent a check. Mr. Cooper never received the check. I called my bank and requested a cancellation on the check so that I could pay over the phone. I was told by Mr. Cooper that this required a fee. I argued asking the fee to be waived since I had set up the payment to arrive on time. It was suggested that I pay online. Mr. Cooper 's website kept blocking me. The fee was waived and I downloaded the app. This payment was posted on Mr. Cooper on XX/XX/XXXX XXXX - Tried paying via the Mr. Cooper app ( {$2600.00} ). I received an 'error ' message each time I tried submitting the payment. I was now able to login via their website and I was receiving the same 'error ' message. Therefore, I went through my bank once more. {$2600.00} withdrawn from bank account on XX/XX/XXXX, posted on Mr. Cooper on XX/XX/XXXX. 

XXXX - I went to set up my payment ( {$2600.00} ) for XXXX and I was told that XXXX was not received. I checked the app and I saw a reversal credit of my XXXX payment. Mr. Cooper said there was a system issue that affected customers nationally. I did notice that the amount was not deducted from my bank. I had a payment scheduled for XX/XX/XXXX for XXXX. I was told by the rep that as long as the payment came in by the XXXX of XXXX I would be fine and that I would just need to make payments by the XXXX of each month moving forward. 

XXXX - XXXX payment ( {$2600.00} ) was deducted from my bank account on XX/XX/XXXX. On XXXX, I received a text message from a Mr. Cooper " collector '' that I'm now behind 2 months. Freaking out, I went on the app and tried to submit a payment and received an alert that I will be charged {$88.00} for a late fee. I received another 'error ' message when trying to submit payment. So now my credit is in jeopardy ( I've never missed a mortgage payment in my life ). I called Mr. Cooper and they did not receive my XXXX payment. They asked that I call my bank and have proof sent to them. I called my bank and they can not fax or email Mr. Cooper the information. I will have to go to a location and request that the information be printed for me. I would also need to schedule an appointment first. I sent a screenshot of the deduction from my bank account to the email address Mr. Cooper provided. I'm very concerned about my credit!

Company response to consumer: Closed with explanation