BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XXXX XXXX, 2017 On Thursday morning XXXX XXXX, 2017 I was informed that a fraud check had been deposited to my Chase checking account. I stated that I had not deposited any check, had not given access or permission to anyone to my account. I stated the check was not mine, I had no knowledge of the transaction and that I didnt want anything to do with it and to remove it from my account. 

I was instructed to contact the Fraud Investigation Department of Chase to resolve the matter. I spent several hours on the phone with Chase letting them know I was not involved with any fraud activities. They advised that they were suspending my account. They then instucted me to log on to my account after midnight to reset the password and everything should be fine. I attempeted to do this however was not able to. First thing Friday morning, XXXX XXXX, 2017 I went into the Chase bank to resolve the matter. The Banker was not able to access my account so they called the fraud department for assistance. The advised us that my accounts ( checking, savings and new Visa card ) were all being closed and they could n't do business with me as a customer. They informed me that they would be mailing out a closing check within 7 to 10 days. No further explaination was given. 

I have filed a complaint with Consumer Federal Protection Bureau as I believe I have been treated unfaily and unjust. 
I did not have anything to do with what happened to the Chase account. It had been " hacked '' and Chase Bank is treating me as the criminal rather than the victim that I am. They have suspended all access to my accounts leaving me without access to my funds until they release them to me. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX days past due as of XX/XX/2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I NOTICE THAT CAPITAL ONE HAS BEEN REPORTING ME DUP. ACCTS. 
XXXX {$8500.00} LIMIT {$0.00} BALANCE IS CORRECT XXXX {$5500.00} LIMIT {$4700.00} BALANCE IS INCORRECT. 
( ACCT XXXX SHOULD HAVE BEEN CLOSED OUT DUE TO FRAUD ) I CALLED CAPITAL ONE BACK IN XX/XX/2016 AND SUPPOSE HAVE TAKEN CARED THIS. IT SEEM THEY HAVE NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: Synovus Bank
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a construction loan through XXXX ( branch of Synovus ). After asking for a detailed list of steps involved in the process, I was verbally informed one of the steps would be to add my builder to their approved list of builders. My understanding was this was an effort to establish an ongoing list of approved builders in order to expedite the customers search for a builder. After approximately 8 weeks, I was informed they were unable to add my builder to their list due to them reaching the maximum number of builders acceptable by corporate policy. I was not aware this was a potential risk to my construction timeline and they were absolutely unwilling to make an exception. I requested a list of approved builder qualifications, but they insisted this decision had nothing to do with anything else. When I asked for the situation to be escalated, I received poor customer service from several people in mid level and upper management within both XXXX and Synovus. They failed on multiple accounts to provide promised follow up calls and none were knowledgeable about the policy. Due to time constraints for myself and my builder 's schedule, I had no choice, but to pursue a loan with another institution. As a consumer, I feel this was a very poor and costly experience. This has caused much stress on me and my family and it should have been avoided or at least properly disclaimed and explained. This would 've enabled me to make a more informed decision and account for the potential setback.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In accordance to FCRA XXXX XXXX, these accounts was further disputed in XXXX 2017. XXXX did not respond to initial dispute within 30 days as allowed by the FCRA. They have continued to report inaccurate information and these two accounts to two credit bureaus. In accordance, they are bound by FCRA to remove alleged debt from that is being reported. It is now XXXX XXXX, 2017 and past 60 days when these accounts were initially disputed. XXXX XXXX has continued to attempt to collect debt that they know is not valid and not able to be verified. Multiple disputes in regards to this issue have been filed over this, including a previous dispute with CFPB. In addition, XXXX XXXX, XXXX, XXXX and Experian received certified letters requesting validation on this inaccurate report. They have blatantly broken the law as they relate to FDCPA and FCRA guidelines. On more than one occasion, I have tried to resolve this issue with them but they are refusing to follow the law in regards to this issue. The accounts need to be removed. They also stated that documentation was mailed to me which is false. Nothing since they placed these accounts on my reports has been mailed to me. The second issue is that it had been has been proven that the accounts are not valid, no information was provided to verify this account. They state that they are about professionalism but it is obvious that they are not. They have been deceitful, dishonest, and unprofessional in the manner that they have handled this issue from day one. I feel that the only course of action is to file a civil suit which my attorneys have drafted up and will present with my signed petition on XX/XX/XXXX/17. I am tired of dealing with this company and this issue. I will also be filing a complaint with the Attorney General as it is within my rights. They have made this process long and hard. I have also provided proof that they received the letters which was sent certified mail over 3 times to the credit reporting agencies and XXXX XXXX. Also they could not verify definitively that the accounts are mine and that they belonged on my credit. If they were sure they belonged to me, why is it so difficult for them to provide proof that this account is mine, I would like documentation with my signature, and receipts. This is what I mean by dishonest and unprofesisonal business ethics and practices. They have cost me money in this process of disputing with them and this is getting out of hand. They stated that they have a right to collect but they indeed DO NOT by rights and provisions provided to consumers under FDCPA and FCRA. This harassment and blatant disregard for the law is what is have me want to seek damages from XXXX XXXX with filing legal suit against them.

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 2022-04-19
Company: ACIMA CREDIT, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
This was our third time doing a 90 day same as cash we paid off the other loan and then took out another This time they said we didn't ask to have it set as a 90 day same as cash and therefore was charged a 12 month lease which ended up costing us three times the amount we agreed to The company was reporting the amount owned from day one as a higher amount then we where even qualified for on the same as 90 day same as cash loan. 

The company was unwilling to honor the 90 day same as cash and we ended up paying {$7500.00} when all we agreeded to was {$3000.00} lease number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Transunion is supplying data for a habitual violating furnisher without permanently blocking. 
See CFPB XXXX XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX after multiple verifications, updates and certifications continues to damage me with unfactual information. 
On this report they show in collection in the payment record and the case closed in XX/XX/2012 ( this is false ) .They show last pymt made XX/XX/2012 and months of collection following this date ... this is obviously false.The payment records false recency is damaging. 
The furnisher ca n't get the record right after multiple attempts to do so ... ..I do n't have to suffer this without recourse.

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 2017-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Reporting of obsolete accounts has shown up on at least XXXX ( TransUnion and XXXX ) of my credit reports. This is old debt that was sent to collections in XX/XX/2004, and thus is past the date at which it can continue to be reported to the creit reporting companies. I want any and all information pertaining to this debt removed from my credit reports. I am attaching documents that show the dates of original default on the debt, as well as current proof that it is in collections. Thank you.

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 2017-03-30
Company: ALLY FINANCIAL INC.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Ally Financial is reporting a defaulted auto loan on my credit report. This loan is in someone else 's name. I am not a co-signor on this loan, and my name is not on the finance contract. I have disputed this account through the credit bureaus, but Ally Financial refuses to delete it from my credit report.

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 2017-03-16
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I have asked this company to stop contacting me and they continue to call me everyday, several times a day and today they called me at XXXX pm.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Jefferson Capital called my work place and discussed my personal matter to an employee there. The person on the phone from Jefferson Capital told the employee that its a personal matter of Debt owed and that I must get on the phone. The person on the other line was threatening and extremely aggressive with my co-worker. I was out to lunch and my co-worker was just trying to take a message. This company would n't give them a call back number or anyone to reach them, they said that they would call back. Jefferson Capital seems like they are part of a scam that bullies people into paying them for debt they do n't have.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I filed a dispute with all XXXX of the credit bureaus about inquiries that were on my report from multiple car lenders. The problem is I never tried to get a car. I have been disputing this for months even to the point of the bureaus telling me to contact the companies and ask for a delete letter. However that is impossible because I do not have an account with them nor do they show that I applied for a car or a loan.They said that there was no way they can offer me a letter of such statue. After contacting the companies I called each bureau yet again to dispute, even by sending letters. I also had a fraud alert on my credit file a few months back because of these unauthorized inquiries. Experian said they are investigating the other XXXX would not do anything. Also when I dispute with XXXX it has been over 30 days with disputes not verified but still remaining.They say that it is taking additional timing to complete. Also with each bureau some of the disputes come back within hours saying verified. Especially two bankruptcies that I never finished going through the court system for. I provided paperwork to XXXX showing the case was dismissed and I owe nothing, zero balance. They deny your requests by saying verified, but when you ask by who, they can not explain. Then when you try to check dispute status it says can not view, or still pending. I also asked an Experian Rep to update my current mailing addresses and delete all old ones. He told me that I could not do that since they were apart of my file.

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 2017-03-07
Company: Statebridge Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Statebridge Company handle my loan for over 2 years since XXXX during that time we were in chapter XXXX. A loan modified was establised to pay any arrears through the court. The courts paid over XXXX, we also made our regular payments {$1400.00} I requested statements from statebridge on several occasion. I was told they could not speak to me due to being in chapter XXXX. My loans was sold on XX/XX/XXXX to XXXX. I ask my attorney to sent documentation giving them permission to speak with me. they advised me because their attorney was handling the chapter XXXX they could not discuss payments or anything else. I ask over several difference incident to provide me a statement of payments and how our payments were applied to our escow, they said again they could not discuss the account .I believe they are deceitful to their consumers because they are a debt collection agency for your lender. This is a way for the lender and debt collection agency to take advantage of consumer because we are not fimiliar with mortgage laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen offered a loan modification, I made all XXXX trial payments and then they denied me Citing that I made the first loan payment late, I checked with multiple service representatives before making the payment about the date, Ocwen sent me a certified letter stating that it was not too late to take them up on their offer, I callled and made a payment, they started sending me statements reflecting each payment never mentioning there was a problem with the timeliness of my first payment. 
also they have told me XXXX of my payments was declined by my bank I have copies of my bank statements that reflect otherwise ocwen was scamming me all along, they had no intention of giving me a modification, they did n't deny me until all XXXX payments had been made and they refused to refund my money and refused to give me the modification they offered me. it was all done very strategically. I didnt originally receive the offer letter by mail instead they sent me a notice that i still had time to take them up on their offer, they wouldnt send me an offer letter by mail but let me download it online so i would send them the payments then after getting all the payments they denied me saying it was too late however all their correspondance with me started with a certified letter near or past the deadline.They were scamming me to be able to take my property though i qualified for an modification based on the following facts my loan originated in 2006 with XXXX then transferred to XXXX XXXX XXXX. I should have received an modofication from XXXX XXXX XXXX, they denied me then transferred me to ocwen, and they manipulated the situation to document due diligence. which is in fact a way of scammimng me out of my home.Please help!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Applied for a modification with XXXX XXXX XXXX, completed the trial steps, then in the middle of the final step, was transferred to a new servicer ( caliber home loan ) who processed my modification for 2 to 3 months with no answers, then sent a package for permanent status Modification in XXXX with a due date for payment XXXX XXXX, 2016, then I sent the package back with payment, but they 're saying I had to make a payment also for XXXX XXXX, WHEN I got the papers in XXXX. ( A month later ) And the first payment after XXXX would be due 8 days later!!! But also that XXXX payment ( a month ago ) is also due. Putting us back in the same hardship!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Late fee

Complaint:
I 've been issued a number of late fee that are Unfair and Excessive. These fees violate federal regulations put in place to prevent credit card companies from taking advantage of their customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I had XXXX high balances on XXXX Bank of America credit cards. I paid the balance in full on both credit cards. The following month I received a bill for each with additional interest. Obama 's credit card act of 2010 prohibits double-cycle billing.

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 2017-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, XXXX I submitted a complaint to CFPB in reference to a loan with Bank of America N.A . ( BANA ) case # XXXX. In their final response to me they referred me to the XXXX case no. XXXX XXXX and told me to contact the class administrator or their web site. I tried the web site and it was closed. I contacted the class administrator and they told me the case was closed and I would have to contact the bank for everything. I did learn that BANA had told the court in this case that BANA had deliberately quit sending Form XXXX from XXXX on, but that they would hence forth provide the Form XXXX when legally required to do so. Their was also a CFPB Bulletin issued in XXXX that restates the mortgagor 's responsiblities. I am asking BANA for the corrected copies of the XXXX Form XXXX that is owed to me. I was never provided with either a copy of the Notice or Claim Form that was supposed to be provided for me in the above mentioned case. Becasue I need the form to do an amended return of my taxes it is essential that the bank provide me with this form. Also BANA provided me with a Form XXXX that was incorrect in XXXX. BANA included deferred interest, that had never been reported to me as interest or to the IRS as income, in the princiapl amount of the loan in box XXXX of the form XXXX. Virginia foreclosure law requires the mortgagor to return any money over the principal amount if the value of the property is more than the foreclosed principal amount. BANA did not do this in adddition to adding the interest to the principal illegally. During XXXX I received three letters from the CEO 's office of BANA stating in violation of their agreement with the court and violating the CFPB Bulletin rules, that deferred interest is principal and does not have to be reported as interest. BANA provided corrected Form XXXX for mortgagees that were still being serviced be BANA but not for mortgagees that had been foreclosed on or the loans that had been sold or transferred to other banks or XXXX and 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
Consumer complaint received 2016-11-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I am a USAA member. In 2014 after a divorce and layoff I ended up filing a Chapter XXXX bankruptcy.. I reaffirmed on my auto loan through USAA and never missed or was late on a payment. USAA failed to file the correct paperwork with the court which almost a year after my discharge date allowed the trustee to void their lien on my car and take my car. USAA then reported my account as a chargeoff and repossession, and locked me out of my accounts. 
It took me several weeks of phone calls and hours of hold time to finally get partial access restored. However, I still have no access to my Insurance or my retirement accounts. USAA said that this is because I filed bankruptcy, and there was a large sum of money they could not collect. The Bankruptcy is true, however, any lose USAA suffered is due to there failure file reaffirmation paperwork. I was paying the loan on time which my credit record will show, and would have paid the auto loan of as agreed. Furthermore, the restricted access and inability to access my accounts has cost me thousands of dollars in investments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation