BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-17
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have NEVER been late with a payment on this loan. 

Yet, Chase bank routinely harasses me with collection threats that they state are required by Federal and State law. 

Not all correspondence contains these threats, only some of the correspondence I receive. 

Provide the Federal law, State law, rule or term of the note that Chase routinely refers too that affirms the threat contained on some of the banks correspondence and made during some of their telephone calls : " This communication is an attempt to collect a debt and any information obtained will be used for that purpose '' ; " Any payment you make on the account is voluntary, but we still have rights ... ... including the right to foreclose on the property ''. 

Chase has been told that these threats are unnecessary and are deemed by me as harassment. They have refused to stop and asserted that these " threats '' are some how required by law for folks who are not late and/or never have been on the loan. 

So Chase, provide the laws that you are referring too. 

My suspicion is that there are no such laws requiring such threatening language to folks who pay on the note as required. So, if I 'm incorrect about this issue then cite the Federal and State law ( s ) you 're referring too.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
XXXX XXXX advertised a bonus for opening up an account, Performance 360. The promotional bonus was available until XX/XX/XXXX. I started the process on XXXX, however, after many attempts to complete the application and calls to the call center I was unable. 

The problem was finally diagnosed today. They had an incorrect birthday for me in their system from a 10 year old ING mortgage, and so my application was being kicked out due to lack of match of my birthday year. 

Today, they processed a correction, but said it would take 3 days for it to process. That is not a reasonable amount of time. Most importantly, it would put me outside of the window for the promotion, which ends on XX/XX/XXXX. I started calling them and talking to them on XXXX, so I asked for an exception to extend the promotion for me, which they refused. I spent 1 hr 40 minutes on the phone with them today alone, and had previous conversations and misdirections. They wasted so much of my time for no reason and caused me to miss the promotion. When I asked for an extension, the supervisor said we had the promo since XXXX, you should have applied earlier. That is not right. If promo is available until XX/XX/XXXX, I should apply when my situation is such that I need a savings account. I was not in the market for one in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
The California Business Bereau has took a negligent billing error by the hospital and ruins my life. I have proof I was under medical coverage during my time of care. For two days they XXXX me with XXXX and let me run out the street by myself XXXX XXXX. They then billed me directly instead of my insurance. Two weeks later my coverage was over. Even since the The CBB has taken this to court, harassed me at work, home, laughed at me when I said I was homeless with no job ... .Which is true ... And placed a levy on my bank account with less than 1000 to my name. I feel like they want o destroy me or no reason. I need help please.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX  ; XXXX  and Transunion should not be reporting each inquiry listed as a separate line item on the XXXX XXXX XXXX-XXXX. These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loan. These inquires are all the same lender and therefore should only be reporting as ( 1 ) line item. All of these inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only ( 1 ) inquiry for XXXX XXXX XXXX-XXXX. I have contacted the bureaus to fix this however, I have not been successful.

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 2022-05-13
Company: Experian Information Solutions Inc.
State: NH
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:
In XX/XX/2022 I sent a letter to XXXX and XXXX to validate an alleged collection account. I did not receive a response. I then sent XXXX and Experian a validation of debt letter in XX/XX/2022. I did not receive a response from either, but they both updated the comments with it showing dispute resolved.

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 2017-03-29
Company: JPMORGAN CHASE & CO.
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My wife and I had taken a home equity credit line with Chase Bank. Now that the draw period has ended they have hit us with a balloon monthly payment. During the process this was never said or explained to us and our monthly bill has gone from $ XXXX month to {$1200.00} per month an amount we can not afford. Speaking with Chase they could care less and tried to get me into another loan. The Chase employee was aware of the balloon payment when we first agreed to the line of credit but never explained it to us. We have been scammed by Chase and I 'm asking for a lower more affordable monthly rate. We do n't want to loose our home to the scammers at Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: TRANSWORLD SYSTEMS INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have tried numerous times to make offers to pay off my credit card debt with XXXX and TSI. They disregarded my past offers and made an offer at a time I could not accept due to not having the funds available of {$5000.00}. 

They told me today I owe $ XXXX which simply isn't true. 
When I left service the card was left at {$7000.00}. 
I have made payments for almost 5 years totaling over {$4000.00}. 

Today I called them and offered to pay the deal of {$5000.00} and they told me no because time was up and I'd have to wait until next year. I'm trying to purchase a home and no lender will work with me until this ordeal is handled. If I need to contact legal representation, perhaps the CEO of XXXX and my local news channel I'm prepared to because this isn't right how I'm being treated. I am being shaken down for every possible XXXX they can obtain from me. I literally have thousands of dollars to pay them to rid this debt and move on with my life and this company refuses to budge! Where are their business ethics in all of this? TSI is trying to make this as difficult as humanly possible and I'm trying my hardest here to be polite but I am losing my patience.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: APR or interest rate

Complaint:
I received a letter from JPMorgan Chase Visa on XXXX/XXXX/2015 regarding a change in credit terms. Letter was dated XXXX/XXXX/2015, effective XXXX/XXXX/2015. Is there not a regulation regarding appropriate notice regarding changes in terms? In addition, interest rate went from 9.90+prime to 21.74+prime for new transactions for no apparent reason. No violation in original terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have several credit care accounts managed by Chase. I had taken a balance transfer offer from Chase upon opening XXXX of the cards. The balance transfer came with a 0 % finance rate for about 9 months. I made payments on time and before the promo rate expired, I paid off the remaining balance. Within 1 week of paying it off, Chase reduced the credit limit of all of my accounts with them. I went from a combined limit of about XXXX down to about XXXX. 

I believe Chase arbitrarily reduced my credit limits as 'punishment ' for paying off the balance and avoiding finance fees. 

This action by Chase severely degraded my credit limit to balance ratio and resulted in a very negative impact on my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am trying to get a loan modification. I have been turned down and one of the factors is that they have the property valued at {>= $1,000,000}. 
I had a realtor come in and do a market analysis that was XXXX pages. The market value is {$820000.00}. Chase 's report did n't have accurate information such as total sq footage. The roof is over 20 years old and everything is original from 1996 when it was built.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
THESE ACCOUNTS SHOWED UP ON MY CREDIT REPORT I NEVER KNEW ABOUT THESE ACCOUNTS THEY ARE NOT MY ACCOUNTS

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 2019-12-16
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
PLEASE FIND THE ATTACHED DOCUMENT WITH THIS DISPUTE. PLEASE REMOVE ME OFF THE DISPUTED ACCOUNT FOR I AM NOT THE OWNER OF THE ACCOUNT. IT HAS BEEN AFFECTING MY CREDIT AND I WOULD LIKE TO BE REMOVED AS SOON AS POSSIBLE.

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 2016-05-18
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have been trying for months to remove the PMI from my mortgage for a year. I filed a complaint with the CFPB against XXXX XXXX and just as I was close to a resolution they sold my mortgage to Chase and I began the whole PMI removal process again. I sent a written request to Chase to remove the PMI as I have met the requirements for removal. As described in my second letter to Chase requesting PMI removal dated XXXX/XXXX/16 I have met the LTV ratio requirement below XXXX % and have no outstanding or late payments. I feel as if Chase is taking advantage of their valued customers. It is appalling.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Stolen checks were caught by my bank Wells Fargo on XX/XX/2020. Fraudulent direct debits to a XXXX XXXX totaling {$12000.00} were taken from my account on XX/XX/2020. I closed this account and opened a new account on XX/XX/2020. Fraudulent direct debits to a XXXX XXXX appeared on my new account all through the month of XXXX and XXXX. This was during the Covid19 pandemic and I was trying to deal with the closures and chaos this was causing my XXXX. I was under the impression that this had all been taken care of by closing my account and opening a new one and I wasn't looking for more fraudulent activity at the time. By the time I noticed these fraudulent debits were still happening it was the beginning of XXXX. I immediately notified the bank and made an appointment with my local bank. My bank said they could not help me and the fraud department denied me coverage saying that I waited too long to notify them. I am a XXXX XXXX XXXX  and these debits have totaled {$15000.00}. I can not afford a loss of this magnitude.

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 2016-08-24
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
on XXXX XXXX, 2016 I opened up and account online with Chase. After I submitted my online application I received an email telling me that I was approved and I have to verify XXXX small deposits that they made into my current bank. Two days later, I verified the trial deposits. At that time, I was giving a checking account number and a savings account number and also received a visa check card in the mail. A few days later, I go online to logon to see if the transfer from my current bank of {$50.00} had been posted to my Chase account, since it cleared my current bank and Chase required a minimum of {$25.00} each to fund the account. When I tried to logon, I was given a message to call an XXXX number because I have been denied access. At that time, I was told my accounts were shut down and I would not give me any more information. I call Chase and ask them about my refund and they informed me that it would be deposited back into my account. On XXXX XXXX, and after not receiving my {$50.00} into my account, I called them and was told they were not allowed to give me any information and I will be getting him a check in the mail but that 's up to the discretion of Chase on how I will get refunded. This is completely unacceptable how they pick and choose what customers they want to. If they did not want me in the first place, they should not have taken my {$50.00} and sent me a check card or given me too account numbers and a direct deposit form to give to my employer for payroll. These improper business part says by Chase is discriminatory. Their customer service agents wanted me off the phone as fast as possible and refused to answer any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
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 am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100% accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

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 2016-03-11
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I received XXXX different checks and while waiting to see if they would clear they put a stop payment on it. It made my account go way negative and what do you know, wells Fargo made it to where you could only send direct deposit. They took my XXXX check and I have had to go without for a whole month. You figured that they knew what happened and closed the account for me, that they would 've abided by the law and not take my whole payment. I have this in progress as a nasty complaint.

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 monetary relief
Consumer complaint received 2020-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On XX/XX/2020 I wrote to XXXX XXXX XXXX and Trans Union to tell them that this was ID fraud this was not my account. They sent me print out with no signature or verification that I stated in my letter they had to verify by law. Which they say I owe the amount of {$830.00}. I sent them documents explaining that someone was using my SSN to obtains loans, jobs and cell phones. 
I wrote XXXX XXXX XXXX they refused to take this off my credit report which they are collection company not the original creditor they say it was XXXX. 
So, I wrote them again XX/XX/XXXX and XX/XX/XXXX know verification that this was my account.

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 2019-12-11
Company: Green & Sons Agency, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Outsource Receivables with account balances $XXXX and $XXXX are reporting collections in violation of my 30 day right to dispute. I was never given any notice of these collections and only became aware of them when I checked my credit. This is in violation and they need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: EQUIFAX, INC.
State: CO
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:
Equifax and XXXX  are reporting incorrectly a collection/charge-off in the amount of $XXXX on XXXX/XXXX XXXX  – account number XXXX.  (Please see page attached from my credit report.)  I cancelled this account and returned the equipment.  Even after the account had been closed, XXXX  was continuing to charge this account for out-of-country calls that were never connected.  Every month the total charges due on the account continued to get larger and larger.  I contacted XXXX to assist me in settling the balance.  One representative told me they would accept a settlement amount of $XXXX.  I had a payment drafted and ready to go.  When I confirmed this settlement offer, I was told by another representative that the company cannot honor a lowered payment.  As I continued to try and resolve this issue I was informed by yet another representative that they never received the equipment I had returned so consequently I was still being charged on a closed account.  I asked every representative I spoke with if they were referring back to the notes from my numerous phone calls prior and every representative responded that they were in fact reading the notes as well as logging in the new notes.  I find this difficult to believe because there were so many conversations and each representative informed me of something different each time.  I have been trying to resolve this issue for months and have not been able to make any headway.  The account balance is incorrect and this false reporting of a collection/charge-off is seriously harming my credit score.  This line item needs to be removed from my credit report.  I have contacted the (2) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Chase Bank closed all of my accounts without providing a reason. When I ask for an explanation all that I 'm told is, Chase has decided that they no longer want do business with you and we have terminated our relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: Comerica
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I got what I thought was a free product from XXXX XXXX wrinkle face cream they said all I had to do was pay shipping and handling of XXXX. The next thing I know I was charged XXXX for the same product which caused chemical burns on my face! When I called the company they told me all I had to do is have Direct Express call them with me on the phone and they would refund my XXXX. When I called Direct Express they refused to call the company and said I had to file a dispute! So I did but instead of trying to get my money back they sided with the company who charged me twice for one product! They are very rude people I never know if I'm getting The United States or overseas! I am waiting to see how this turns out! If I do not get my money back I am going to sue both companys! This is freud!

Company response to consumer: Closed with explanation