BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-20
Company: JPMORGAN CHASE & CO.
State: MD
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Deposits and withdrawals

Complaint:
When my mother passed away recently, I found a C.D. Receipt from XXXX XXXX for a deposit in the amount of {$5000.00}. The deposit was made in my name and the account title bears my name. The deposit was made on XXXX/XXXX/XXXX and was for a 7 month C.D. that was designated to be continually reinvested at maturity ( XXXX/XXXX/XXXX ). 
The FDIC records indicate that XXXX XXXX had the FDIC Certificate # XXXX, and that the bank changed its name to The Chase Manhattan Bank on XXXX/XXXX/XXXX, and then changed its name again to JPMorgan Chase Bank on XXXX/XXXX/XXXX. JPMorgan Chase Bank holds the same FDIC Certificate ( # XXXX ) that XXXX XXXX did. A copy of the FDIC records indicating these changes are attached to this complaint. 
At the suggestion of a very helpful individual in the Consumer Financial Protection Bureau, I investigated the issue by first going to the branch that I used at that time in XXXX. The branch manager said that he was unable to help. I tried to do the same thing at XXXX other branches to no avail. 
Based on the statements of the branch managers, I contacted the Office of the New York XXXX XXXX 's Office of Unclaimed Funds. One account was listed in my name and it was not the XXXX XXXX CD account. A copy of the NY Comptroller 's form is attached to this complaint. 
I then called Customer Service for Retirement Accounts & CDs and was told that the office handles only retirement CDs. I was then referred to the regular consumer call line to make another inquiry ( I had already made at least XXXX inquiries on prior dates with no result ). I explained the situation to all supervisors that I spoke with ( on XXXX/XXXX/XXXX ), and was told ( in quite a rude fashion ) that the bank throws out all records of accounts more than 7 years old and that I had no recourse. It was at this juncture that I contract the Consumer Financial Protection Bureau. I am attaching a scanned version of the original CD XXXX from XXXX Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
To Whom It May Concern : On XXXX XXXX, 2016 a letter ( see Chase Notification ) was sent to Chase which Chase received on XXXX XXXX, 2016 ( see Chase return receipt ). 
Chase did not respond to this letter and initiated dunning calls. 
On or about XXXX XXXX, 2016 Chase in response to a verbal comment, classified the charges as unauthorized and issued provisional credits. 
On XXXX XXXX, 2016 Chase posted a letter claiming that a benefit was received from those charges ( see Chase alleged benefit letter-1 and Chase alleged benefit letter-2 ) In XXXX XXXX, 2016 Chase called but we were out of the country. 
On XXXX XXXX, 2016 the letters Chase alleged benefit letter-1 and Chase alleged benefit letter-2 were received. 
Between XXXX XXXX, 2016 and XXXX XXXX, XXXX approximately 11 calls were made to Chase regarding this matter. 
On XXXX XXXX, 2016 a letter was sent to Chase ( see Chase executive ) Chase responded I. The initial notice of a billing error was received but did not apply as Chase alleged did not receive fraud letter til XXXX XXXX, 2016 II. Chase policy requires certain form to be completed. 
III. Chase policy required subpoenas for certain information. 

Chase violated 15 U.S. Code 1666 by I. Exceeding 90 days allowed to resolve billing errors ( see Chase alleged benefit letter-1 and Chase alleged benefit letter-2 and Chase Notification ) a. Chase is falsely claiming that it was notified of billing error/fraud on XXXX XXXX, 2016 but refuses to provide any evidence to support that claim II. By claiming that the burden of proof is upon the card issuer to prove transactions were authorized ( See Chase Executive ) III. By not providing documentation used to make decision. Chase alleged that there were recorded phone calls that proved authorization occurred, but only providing XXXX copies of receipts. ( See Chase XXXX receipt XXXX and Chase XXXX Receipt XXXX ) a. Chase subsequently provided more receipts, but Chase claimed that a recorded telephone call was the evidence they believe showed that a benefit was received. 
IV. By not providing all evidence required to prove that the charges were valid, despite repeated requests ( See Chase Emails ) a. Chase later provided receipts, but this was not the reason Chase claimed that a benefit was received V. By not complying with US banking laws despite being told explicitly of the violations ( see Chase Emails ) These violations are most egregious as Chase was informed of the violations in writing ( See Chase Executive ) but defended their actions with specious reasoning, claiming that the unauthorized claim occurred later than documented and referring to Chase policy regarding proper forms, which were submitted and Chase legal policy but never addressing the direct violations. 
I believe that Chase should not believe that it can not grossly violate the US Banking laws without recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: CATHAY BANK
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
- XX/XX/XXXX, Cathay bank paid {$590.00} from our bank business checking account to an unknown party. This is fake check. 
- We did not write a check for this payment nor authorized online banking- As of XX/XX/XXXX, this issue has not been resolved by Cathay bank

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Nationwide Recovery Systems, Ltd
State: SD
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:
This was put on my credit report and I have XXXX to pay for it. 
XXXX XXXX XXXX They just sent it and never said anything to me Nationwide Recovery XXXX XXXX XXXX XXXX XXXX TX XXXX I would like it removed off my credit report if u need the XXXX information I have it XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX SD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: JPMORGAN CHASE & CO.
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I purchased XXXX cosmetic creams from an ad I saw on XXXX. After doing so I told my friend about it. She said it was a scam and that I should call my bank right away. I emailed Chase Bank that same day and told them this and instructed them not to allow any further charges to my account. They told me to contact the merchant which I did. The merchant said they would only give me a 50 % refund of XXXX charge ( there were XXXX charges altogether for only XXXX items received ). The ad said pay only shipping. The first XXXX charges were {$1.00}, {$5.00} and {$4.00} which I figured was shipping charges ). On XXXX/XXXX/16 they charged the XXXX additional charges of {$94.00} and {$89.00}. I was told I would have to call another number to dispute the {$89.00} charge. I refused to accept only 50 % refund and hung up. The girl called me right back and left a message on my answering machine that she would refund 75 % of the {$94.00} but I did n't call her back. I contacted Chase Bank again and told them about this. I was told that they could not help me. I contacted the merchant again through email and was told that they have no record of my information or orders. The bank went ahead and paid them the additional amounts of {$89.00} and {$94.00} and charged me XXXX insufficient fund charges of {$34.00} each.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Trying to work with banks that hold the lien to my clients property. My clients XXXX borrowers ) have to short sale this home because as a rental that tenants were not paying the rent and that put my clients behind also had maintenance issues that came up that the borrowers did not have funds to fix. We got approval from the first who is XXXX after 5 months. So now the XXXX lien holder who is Chase is denying the approval because they are saying that purchase price is too low. The first is giving Chase {$12000.00} to move forward but this does n't seem to phase them, XXXX Chase XXXX as they areare more concered about inccreasing purchase price?! Does n't make sense why second lien holder would not take what I believe is a generous offer from XXXX. My clients are besides themselves. They really thought that we were so close to closing. They have run out of chances! We need assistance please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, these creditors and credit reporting agencies have violated my rights. 

-- XXXX XXXX XXXX XXXX XXXX # XXXX -- XXXX XXXX XXXX # XXXX -- XXXX XXXX XXXX # XXXX XXXX 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
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, these creditors and credit reporting agencies have violated my rights. 

-- XXXX XXXX XXXX XXXX XXXX # XXXX -- XXXX XXXX XXXX # XXXX -- XXXX XXXX XXXX # XXXX XXXX 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
Consumer complaint received 2022-10-10
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This complaint was submitted to CFPB previously and your reps locate dit within the system but it has not been processed for unknown reasons so I am trying to get something done online. My mortgage company has incorrectly determined my escrow payment amount and I have been overpaying this entire year of XXXX, that is why there is currently a surplus of over XXXX in my account, and will be more than that by the time they do another analysis in XXXX XXXX the company claims I had a shortage when the analysis was done but no shortage ever existed other than ones that had already been paid in XXXX and they made me pay them again, there was actually a surplus in the escrow account the exact same month they claimed a XXXX shortage existed and I have sent letters and ph calls to the company and they have refused to correct the payment. I am concerned they will do the same thing again next year and the surplus I will lose will be even larger than it was last year. I can not prove but believe the company is doing it on purpose to rip people off and get free interest on the funds they are forcing consumers to pay that they do not actually owe.

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 2020-12-28
Company: Experian Information Solutions Inc.
State: NE
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: Problem with personal statement of dispute

Complaint:
Refinanced mortgage with XXXX XXXX. XXXX sent payment on XX/XX/2020. ( Yes, I did email to verify ). XXXX XXXX XXXX says they did not receive until Monday XX/XX/XXXX Since it was past the XX/XX/XXXX of the month, they reported delinquent payment to my credit report. I disputed via experian to no avail. I called XXXX XXXX XXXX XXXX XXXX and they claim they can not remove from my credit

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 2015-12-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/XXXX I owed Chase {$110000.00} for my mortgage then they incorrectly added XXXX as a " loan maintenance fee '' which they tell me is the correct amount for compound interest due to my loan modification. I do not think this compound interest is correct and would like this amount corrected -- my original interest rate was 4.87 % pre-modification. At one point my loan was paid down to as low as {$110000.00}. I had a HAMP modification starting in XX/XX/XXXX and Chase would repeatedly lose my paperwork and delay finalizing my modification for 2 years where in the meantime they put my money in a suspense account and racked up " loan maintenance fees. '' 1 ) I do not know where they got this $ XXXX number came from -- even at my pre-modification interest rate the compound interest does not equal $ XXXX. 2 ) Also, the bank should not profit from delaying my modification just to rack up erroneous and exorbitant fees and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022 a late fee of {$18.00} was assessed to the loan on the grounds that the payment for XX/XX/2022 in the amount of {$640.00} had not been received, and had been assessed to the account as of XX/XX/2022. As of the date of this letter, this date has not yet passed. As our loan documents state, we have a sixteen-day grace period from the due date of the XXXX of every month to make the payment without a late fee being assessed. The claim in your letter dated XX/XX/2022 for a late fee for XXXX is erroneous as the date XX/XX/2022 has not yet passed. 

The fee actually originated from a payment I made on XX/XX/2022 at XXXX XXXX XXXX XXXX XXXX. I have included a printed receipt that includes a time stamp showing the date and time the payment was made. There should have been no fee assessed to this payment as it was made within the allotted grace period stipulated in the loan agreement. However, because of a time zone difference that the company prefers to base payments on, and that we were not advised of upon transfer to this servicer in XX/XX/2022, a late fee of {$18.00} was assessed. Because the payment was made on time according to our time zone, and we had not been advised by the company that this time difference mattered in regards to making a payment, we did not agree that this was an accurate or equitable assessment of a late fee. We decided to call to ask that the late fee be removed. I was told by the representative I spoke with that they would not be willing to remove it because the notice that the time zone difference mattered with regard to payments was included in the transfer paperwork and on their website. I reviewed the information and there is no mention of this notice anywhere. I have included a copy of the transfer paperwork for your reference to confirm there is nothing mentioned regarding the specific time of day payments must be made by. This is an erroneous assessment of a late fee that needs to be removed as soon as possible. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX XXXX but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2016-03-02
Company: Seterus, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been working with Seterus Mortgage Acct # XXXX to obtain a Deed in Lieu. I submitted all documentation including proof of discharge of 2nd mortgage etc. After submitting all docs a required under XXXX Seterus said they can not complete a Deed in Lieu because there are {$7500.00} in judgements against me. I believe under XXXX There is money allotted for this. I have had to declare bankruptcy and will now face foreclosure. I attempted this with XXXX and XXXX servicing. I finally received the discharge from XXXX and face this disaster. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  Account # XXXXXXXX XXXX  Account # XXXXXXXX XXXX XXXX  Account # 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 XXXX : 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
Consumer complaint received 2022-06-01
Company: Nationwide Recovery Systems, Ltd
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
The name of the company is the XXXX XXXX clerk of court in South Carolina. Requiring too many purchases in bearer bonds, cause a scheme. A criminal or respondent feels obligated to pay every time due to legal consequences. Please be very careful to stay away from this company. 

Please investigate this behavior immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: CL Holdings LLC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
These people were told not to contact me. They are calling all the time! I want it to STOP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: U.S. BANCORP
State: OR
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
This bank refuses to change worn bills that do not qualify as XXXX currency.

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