BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have Chase mortgage for many years, but have experienced a real hardshipbeginning XX/XX/XXXX and had to stop payments. 

But I want to fix situation and I do n't want to lose my property, but needed some help from the bank, so I submitted application for loan modification, which was denied. 
I disagreed with the decision and filed a dispute. 
1 ) while my request was under review in Executive Office ( XX/XX/XXXX ) I received a few letters ( seeattachments ) stating I should wait for " our finding and your next steps ''. But it turns outthat my property had been sent to foreclosure ( sale date was set ) the very same time. 
And my reinstatement amount increased another {$3500.00} ( foreclosure fee, see attachment ) ,2 ) I sent a complaint which was forwarded for review to Executive Office again ( XX/XX/XXXX ) and during review my fee went up again totaling {$5700.00} ( see attachments ) A : Modification denial ( regarding HAMP Tier 2 option ) was based on debt-to-income ratio ( Chase letter dated XXXX XXXX, page XXXX ), but mentioned decision made back in XX/XX/XXXX. 
1 ) When I received original response for my application Tier 2 was not in on a list of viewed options (??? ) 2 ) I was disagreed with numbers used for calculation and been told that housing expenses numbersare based on info received from me over the phone on XXXX XXXX. I do remember not been askedabout house insurance, and if these numbers were added the ratio would fit in XXXX % XXXX % gap. 
I ca n't believe decision ( life changing for me ) regarding modification was based on phone conversation! 
Without any checking! I could say any numbers! 
Now my loan has another investor, but mistake has been done! 
The story is -modification denial was based on wrong numbers, ( Chase mistake!! ) and when I triedto have it fix -I was punished with {$8000.00} extra fee!! 

B : Few times while my application was in underwriting and ( or ) Executive departments my fee go up about {$2000.00} a month. I consider it absolutely unfair. Nobody from Executive office made me awarethat my fee will pile up during review. And this happening during the time I struggling to saveevery dollar in order to be able to pay back my past due amount. 
Seems to me nobody in Chase bank is willing to save investors money and pushing me toforeclosure every possible way ( like extra fee and no modification help ). 
XXXX more time - because of Chase mistake I was denied for loan modification and now my fee about 30 % of all total. 
I 'm ready to pay back all my past due amount, some fee, but ca n't handle all crazy fee applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I took out a variable rate, interest only loan with a first and second mortgage with little verification in XXXX of 2007 with Chase Bank. The first mortgage has an interest rate of 7.65 % and the second mortgage has an interest rate of 12.375 %. This house has been underwater from the beginning and I have made several attempts with Chase to refi my home to a fixed rate. They refuse to help. I can not refi this house and I can not sell it due to the loss in value. Right now, my only option is to walk away. I have never missed a payment, and in 8 years I have n't reduced the loan amount at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: Exeter Finance Corp.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Exeter Finance is saying I owe them XXXX dollars but I have never purchased anything from them. They put this is in here in XX/XX/2020. It's also saying the bill is late. I don't know who they got this information from but this is not me. They are messing my credit up and I am trying to get it straight. Can you please contact me as soon as possible regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: CITIBANK, N.A.
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a Citi XXXX account in XX/XX/XXXX. I was promised a {$400.00} bonus after completing certain requirements. The requirements were fulfilled and I waited to receive the bonus. After the necessary time, the bonus was not completed. I talked to representatives from Citi on XXXX different occasions and each time they assured me the requirements were fulfilled and an investigation was opened. It has been over a month and no response from them and no bonus. I would like Citi to inform me with certainty when the bonus will be posted.

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 2022-10-08
Company: Carvana Group, LLC
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Good morning, My name is XXXX XXXX I am 100 % XXXX Veteran and I purchased a vehicle from Carvana XX/XX/2022. I received the car on XX/XX/2022 the scheduled date for delivery. On XX/XX/2022 I received an email stating that I paid Alabama title and/or processing fees that I wasn't supposed to pay and they will reimburse me ( XXXX XXXX XXXX my funds. I pay my car note every month on time, I don't mind paying if I owe, but it's been going on 4 months. 1 phone conversation and 3 text later I keep getting the same answer from this company and I still haven't received my refund. I have been patient with them, but now I would like an answer on when I will receive my refund. Every time I call, text, or chat I get the same results they tell me they are working on it or to call back. I have done what they asked all the way to my on time payments for my vehicle and still no results. I have attached email that was sent from Carvana along with the text messages of the conversations that was had between myself ( XXXX XXXX ) and their employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Capital one makes it very confusing for a borrower to navigate its web portals to make monthly payments. Some credit cards you have to log into one site, other credit cards you have to log into other sites. In addition, the electronic notifications are so overwhelming when you layer in all the cross product selling and other email garbage. Then consumer becomes DE-sensitized to the notifications and billing statements and thus become in-effective as a result. 

I am a end user that is negatively effected as a result. I became overly confused and in-inadvertently missed XXXX payment. I have XXXX Capital one accounts and given the onslaught of communication it is difficult to actually understand what is what. I consider myself to be a responsible and savvy individual who is very very busy trying to provide a good life for my family, and if I could be negatively impacted by this.. ANYONE can.. this isnt a devastating event for me, its just a setback, but for another family, something similar could end their happiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
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: Information belongs to someone else

Complaint:
I have contacted XXXX by phone, and by mail, and even fax regarding fraudulent account that appear on my credit file. I have disputed this account as fraud and opened as a result of identity theft, I have also uploaded, faxed and mailed certified a copy of my very recent credit report to XXXX and bank have ignored my fraud disputes, bank have neglected to utilize my recent credit report to block this fraudulent account from my credit file. I have exhausted all avenues available to me and followed the FDCPA guidelines to rectify these fraudulent accounts but I have continued to be ignored by the bank. The following account is not mine and is on my credit file as a result of identity theft/fraud that I reported to the local police department : XXXX XXXX XXXX ( Police report filed on XX/XX/2020 ) This is not my account and I have also communicated this same information and provided my police report to this business listed above, and it have refused to assist in the correction of the fraudulent information. It is all acting in a willful and malicious manner and continuing to defame my character by knowingly reporting information it has been fully informed was fraud.

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 2020-06-19
Company: EQUIFAX, 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:
I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, I asked for XXXX XXXX XXXX XXXX to provide ALL OF THE FOLLOWING : 1. The description of the procedure used to determine the accuracy and completeness of the information. 
2. Name, address, and telephone number of each person contacted regarding this alleged account. 

AND 3. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them ( XXXX XXXX ) the exact amount claimed of {$1500.00}. They also placed a remark on my account stating, " Account information disputed by consumer, meets FCRA requirements. '' No, this does NOT meet FCRA requirements if you FAILED to provide me all of the information that I requested. On multiple occasions, they failed to provide me with " HOW '' they validated the debt that I supposedly owe them. 

Also, the FCRA states that all data being reported must meet specific criteria such as : 1 ) information being 100 % timely, 100 % accurate and 100 % verifiable. If they couldn't verify the debt properly, how does this meet FCRA requirements? This is clearly a violation of my rights as a consumer, therefore, against the laws. I have no contractual obligation to XXXX XXXX XXXX XXXX, therefore, not owing them any debt. 

I've sent them letters ( And to the Collection Agencies ) dating back to last year and these dates are as followed : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am forced to reach out to you for assistance as a last resort. It 's been well over 3 years ago that I closed my short sale successfully and " cleared '' my debt with Bank of America ( loan # s : XXXX & XXXX ), But for some reason I am still being harrassed by debt collectors from XXXX ( # XXXX ) trying to collect on a debt that was settled on the shortsale transaction with Bank of America ( # XXXX ) on XXXX/XXXX/2012. 
They are also falsely reporting this debt to the credit bureau.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Chase/jp mortgage keeps telling my wife and i that we never payed our mortgage in XX/XX/XXXX. We have twice proven otherwise, we faxed in our complete Chase bank statement showing the electronic payment for the mortgage we included 2 months prior and about 6 months after the claimed missed payment. The statements clearly show the payment leaving our account and no other moneys being returned we have also confirmed with chase bank that we did not receive any moneys from Chase/JP. 

After both times we faxed in proof we payed they say they will look into it, never get back to us and begin calling saying we owe them a XX/XX/XXXX payment and they have no record of us trying to resolve this. 

There are other problems that have occurred because of this so called missed payment. 
in XX/XX/XXXX they closed our online account and would not allow us to make payments until the XX/XX/XXXX payment was settled while charging us late fees for XX/XX/XXXX and XX/XX/XXXX. 

We only found out about this " missed '' XX/XX/XXXX payment in XX/XX/XXXX because the loan matured and caused a conflict in Chase/jp 's computer system. They had supposedly been calling us and sending certified letters which my wife nor i had never received a call or letter. 

Every time we call it is near impossible to get answers to questions because depending on the question you get transferred back and forth between departments and have to tell the whole story. 
The final issue is they signed us up for mortgage assistance which neither my wife or i signed up for. When we asked for who and when the assistance was signed up they had no record. We did not ever need assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Other

Complaint:
i ask chase credit card service to close my account ( all cards ) in XXXX..they refuse to close all of them..they lied that balance transfer were made, later to find out it was not true.now, they refuse to send my card to collection and it sits collecting fees, late charges, interest charges.i tried to make a settlement with them. XXXX.that was the balance when that card was to be paid off by another company. ( lied abt tthis card and they had the other company pay off a lower card balance, while lieing to me that all cards are closed .they intentionally made it very CONFUSING and having customer service from and in XXXX handle my calls about this..they are playing a scam o me to get this card in the XXXX dollars..i ask that someone do something to stop ths and the card go into collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I am disputing the debt as reported by ENHANCED RECOVERY CO L for {$260.00} from XXXX XXXX XXXX. I do not have any responsibility for the debt theyre trying to collect because this was closed and the amount charged-off three years ago. I have disputed this debt before. This continues to affect my credit score which falls under unfair practices. 

Documents of proof have never been provided to me and the reason is, they do not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Trans Union puts collection accounts on my credit report that do not belong to me. I have contacted the collection company, XXXX XXXX XXXX and the originator, XXXX XXXX XXXX XXXX, and they have agreed to clear them. Somehow, Trans Union still keep these collection accounts on my credit report. 
Note that the collection accounts belong to someone who has different name, date of birth, and address from mine. The collection company obtained my social security from a company called XXXX XXXX. I am not sure how these collections match with my social security anyway.

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 2015-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have contacted TransUion about XXXX XXXX XXXX XXXX Account Number : XXXX ) that is reflected on my credit report. When I contacted XXXX XXXX XXXX to inquire about settling the account they informed me that they no longer own this account. When I informed TransUnion of this to have them remove this from my report so that my report reflects correct information, the only communication that they will send me is a letter that says they have previously investigated this dispute. 

Information regarding this account has changed and should be reflected as such on my credit reporting file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: ALLY FINANCIAL INC.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Have been making payments since we got the truck in XXXX, and Ally claims they did n't receive 3 months of the payments and repoed our truck. Have sent confirmation emails and bank statements multiple times and they still have n't fixed the problem.

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 2016-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX XXXX -- -XXXX XXXX AND XXXX XXXX XXXX XXXX INQUIRES ON MY CREDIT BY NEGLIGENCE ( XXXX ) TOTALING XXXX-BUREAUS TRANSUNION-XXXX-XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: Williams & Fudge, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2020 this new alleged collection account appeared on my credit report. I didnt receive anything in writing about this debt. I have no knowledge of this collection account this account do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 numerous disputes regarding fraudelent items on my credit report, the items have still not been removed. The credit reporting agencies are stating the items in dispute are " verified '' even though the items are fraudulent. 

I am including my FTC report as well as other supporting documents in hopes that the CFPB will help me to get a resolution.

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 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX XXXX 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 an account without my written instruction.

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 2017-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have disputed items that were previously removed and items I know do not belong. Not once have I receive a written letter. I am not told what information the have been given as proof. I do not believe that a phone call to the collection/open account holder should provide so little as I " we say so '' or a credit statement with nothing in writing such as a signed document. They are taken at their word. I want to see exactly how they have come to this conclusion. Again, I have n't even gotten a letter. Even when they reinsert and item, no letter there either.

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 2016-12-28
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I stopped using my XXXX Credit card several years ago- ( 9-10 yrs ). Not so soon after that I was sent bills from XXXX to pay for items ( {$10000.00} ) I never bought, and alerted them about this. I also asked target on several occasions to send me the original receipts w/my signature. They never sent them..With-in a year or so after that, THEY SUED ME THEY NEVER SERVED ME AND the case went into judgment- I ONLY LEARNED OF THE JUDGMENT WHEN MY EMPLOYER RECENTLY RECEIVED A NOTICE OF GARNISHMENT. 

MY NEW ATTORNEY WENT TO THE COURT COPIES THE FILE AND DISCOVERED THAT I WAS NEVER PROPERLY SERVED THE AFFIDAVIT OF SERVICE WAS INCORRECT. 

I FILED AN OSC TO VACATE THE JUDGMENT AND A STAY WAS GRANTED. 

XXXX IS TRYING TO COLLECT MONIES FROM ME WHICH I DO NOT OWE.

Company response to consumer: Closed with explanation