BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
In XXXX 2016 XXXX XXXX Credit card offered a {$200.00} statement credit when making a purchase over {$500.00} within the first 3 months. When I applied, by the end of XXXX 2016, the offer was {$100.00} instead of the {$200.00}. I called the company to see if I could still get the {$200.00} statement credit offer and they told me that they were going to apply the {$200.00} statement credit as long as I requested after making my over {$500.00} purchase. I purchased 5 year passes to XXXX XXXX In XXXX 2016 and paid {$1600.00} with the XXXX XXXX Credit Card. I called the company so they can apply the {$200.00} to my statement credit. After about three weeks I received a XXXX Gift Card in the amount of {$100.00}. I called the company right away and asked about the {$200.00} statement credit. I told them I did not want the gift card and I was willing to send it back. what I wanted was the {$200.00} statement credit they offered. In early XXXX 2016 I called again because I got my statement and there was no credit at all. I was told that they were going to submit a request for the {$200.00} statement credit and that I was going to get a letter within 10 days. After 10 days I called, XXXX XXXX, 2016, to check the status of the request. The person on the phone said that there was a note about it but the request was never submitted. Again she told me she was going to make sure to submit it and that I was going to receive a letter in the mail about the decision. XXXX XXXX, 2016, I called again to check the status of the request. This time the person on the phone told me that they do not give any statement credit and that they had made a decision in XXXX XXXX, 2016 to not to apply the {$200.00} statement credit. XXXX still shows the {$100.00} statement credit offer. Still they do not want to honor the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: LD Holdings Group, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I spoke to XXXX XXXX at LoanDepot regarding refinancing my home to get cash out to complete necessary repairs in my home. We discussed paying off debt which was my car loan, student loan and XXXX XXXX credit card and mortgage. I would get approximately XXXX cash to complete repairs. My mortgage at the time of this call was with XXXX mortgage XXXX intrest rate morgage monthly was {$1500.00}. Once XXXX did the initial approval I was then given to a loan processor XXXX XXXX. I spoke to her once on the phone and at no time did she inform me or discussed with me that there was a {$89000.00} lean on my home and it would have to be paid off. I knew about the lean but I thought the lean was to be paid off when I sell my home or at the back end of the mortgage. When I reviewed the closing disclosure I did see XXXX ( Lean holder ) but I was under the impression that it was perhaps an appreviation for me. I signed the closing and did not realize that I was not getting any money was on the 4th day after closing when I did not receive a check. I did receive the checks for the student loans, XXXX XXXX and car loan. When I called the attorney 's office I was then informed that I was not getting any money. Loan Depot delibrately did not tell me about the lean so that they could close. I was up front with XXXX that I wanted to do necessary repairs on my home and it was the only reason why I was refinacing at a higher interest rate and mortgage increase. I am now obligated to pay a XXXX interest rate on XXXX. My monthly mortgage payment has increased by {$700.00} {$2300.00} and I did not receive money for repairs. I paid XXXX in closing costs for LoanDepot to tell me that it is a done deal and there is nothing they can do for me. The final closing was on XX/XX/22. When I spoke to the attorney she was very confusing she stated that I had to pay {$1900.00} for closing but on the other had she also asked me if I had paid the mortage for XXXX. I thought the money I was paying was becasue I had not paid the mortgage for XXXX and it had not been included in the payoff amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
TD Bank has reported a late payment made on a credit card which is incorrect I requested to close the account and I was advised the account would be close immediately. This was false and I was still being billed for an active account I called multiple times to close the account in which TD bank has issued credits for late payment charges due to their error. Once he account was finally closed they reported me for making late payments  on an account that was n't closed due to their service issues. TD bank has acknowledged this information as incorrect and has filed a dispute to fix the error but due to multiple managers involved the dispute was submitted with incorrect information and the dispute was denied. I have been dealing with resolving this issue for over a year and my credit has been impacted negatively because of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-11
Company: JPMORGAN CHASE & CO.
State: UT
Product: Credit card
Issue: Late fee

Complaint:
My payment was due XXXX XXXX, 2016 and although I paid it on XXXX XXXX, 2016 I was assessed a late fee the day the payment was XXXX XXXX, 2016. It seems that the late fee should be given on XXXX XXXX, 2016 or there should be a grace period.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-21
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I have a balance on my Barclay Card ... XXXX. I asked XXXX XXXX ... XXXX for a balance transfer of {$2000.00}, paid to Barclay Card ... XXXX. XXXX XXXX ... XXXX only approved a {$470.00} transfer. 

I contacted XXXX XXXX ... XXXX by phone at the beginning of XX/XX/2019, because I did not want a transfer in the amount of {$470.00}, I only wanted the transfer if it could be for the full amount of {$2000.00}. I was unable to speak to anyone who could assist me. 

The {$470.00} transfer was sent to Barclay Card ... XXXX, from XXXX XXXX ... XXXX, on XX/XX/2019 and was received by Barclay Card ... XXXX on XX/XX/2019. 

Since I could not get any assistance from Customer Service at XXXX XXXX ... XXXX, I called Barclay Card ... XXXX, around the time the transfer took place, and told them I did not want this transfer, hoping they could reject it. 

Barclay Card ... XXXX said they would take care of it. They reversed the {$470.00} off of my account and kept the payment. They are charging me {$470.00}, even though they received and kept the payment from XXXX XXXX ... XXXX, in the amount of {$470.00}. 

XXXX XXXX  ... XXXX is also charging me for the {$470.00} payment they sent to Barclay Card ... XXXX. 

I sent a certified letter of complaint to XXXX XXXX ... XXXX on XX/XX/2019. They contacted me and told me that if they receive the funds back from Barclay Card ... XXXX, they will reverse all balance transfer fees as a courtesy. But they are unable to do anything until they receive that payment back. I appreciate their response and attention to this issue! 

I have called Barclay Card ... XXXX several times and usually they tell me they will send my account for review, but this issue is never resolved. I sent Barclay Card ... XXXX a certified letter of complaint on XX/XX/2019. I have received no response or resolution to this matter. I have emailed them at XXXX, still no response or resolution. Please help me get this issue resolved. I am being charged the same {$470.00} by both XXXX XXXX ... XXXX and Barclay Card ... 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 2020-03-04
Company: Experian Information Solutions Inc.
State: TX
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:
The following accounts are fraudulent : XXXX  XXXX XXXX {$540.00} XXXX XXXX {$490.00} XXXX XXXX {$710.00} XXXX XXXX XXXX {$1100.00} XXXX  XXXX XXXX {$1700.00} XXXX XXXX XXXX {$430.00}

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 2020-03-04
Company: EQUIFAX, INC.
State: TX
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:
The following accounts are fraudulent : XXXX  XXXX XXXX {$540.00} XXXX  XXXX {$490.00} XXXX XXXX {$710.00} XXXX XXXX XXXX {$1100.00} XXXX  XXXX XXXX {$1700.00} XXXX XXXX XXXX {$430.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Our couple has had a checking account with JP Morgan Chase and several credit cards for over 40 years. Our home address was a XXXX XXXX ( JP M Chase has held the mortgage for the last twelve years of its 30 year life ). We were ask for a physical address which we did not have until recently. Being abroad very, very often we called the branch to give the address early XXXX. The account manager being busy we gave it to another person. A few weeks later we got the same request. We called again and this time asked for an email address of the bank officer. We got it and had an exchange of email where we sent the physical address. We received another letter in XXXX which got to us in XXXX as we were abroad and called the call center again to give the address for the fourth tim. 
In XXXX the bank closed our account alleging that we had not sent the address. Which we did and can prove with the copy of the email. The said officer has supposedly left the bank ... 
Our XXXX accounts were closed ( savings and checking ). checks were sent. But all history has been eliminated from our internet connection to the bank. payments made through the accounts before we knew of its closure were rejected creating poor credit and expenses ( bounced payments and late payments ). We were in XXXX at the time and it took many hours of work to be able to get back to a situation where we could honour our due payments. ALL THIS BECAUSE THE BANK FAILED TO DO ITS JOB

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: JPMORGAN CHASE & CO.
State: KS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have been trying to sell our home via short sale through CHASE HOME FINANCE. We submitted an offer to CHASE on XXXX XXXX, 2015. To this day, we have gotten no answers, just paperwork that is pushed around from office to office. The short sale was initially denied, we submitted an appeal and have yet to hear anything. This has happened on multiple occasions. We submit paperwork, they say they are working on it, and then I get a letter saying the paperwork is too old and to resubmit. 
We spoke with a representative on XXXX/XXXX/15, explaining the error in the expenses portion of our RMA. Never once did she advise us to resubmit a new XXXX. I assumed per our conversation, this was being taken care of. I advised her that the offer on the home expires on XXXX/XXXX/15. She said it should take but 7-10 days. I received a letter in the mail dated XXXX XXXX, 2015, saying they were investigating the question and they would get back to us. Is n't there a reasonable time frame in which things should be accomplished? The offer was submitted to CHASE on XXXX XXXX, 2015. Here we are 7 months later and still keep receiving letters saying the paperwork is incorrect or expired. Please help. This is absolute craziness. No one ever does any actual work at CHASE. The file just sits there and no one seems to care. This is our livelihood. We have done everything CHASE has asked of us and feel they owe us some kind of due diligence in the very least. 

This is the only offer to come in on the house in 16 months. If this falls through, our house will be foreclosed. That is totally unfair because we did absolutely everything that was asked of us and CHASE did not provide proper customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: Sunlight Financial LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I borrowed {$22000.00} from XXXX XXXX XXXX XXXX located XXXX XXXXXXXX XXXX XXXX in XXXX Alabama XXXX to have 5 solar panels installed onto the roof of my home. Since XXXX of XXXX I have made 32 payments on this loan ( XXXX ). On XX/XX/XXXX SUNLIGHT FINANCIAL sent a representative out to shut of my solar panels, stating that I was in default of my loan.

Previous to this I had been attempting via letters to find out why ( since I had been paying on my loan ) did the principle on this loan decreased {$110.00} in 15 months. XXXX XXXX XXXX XXXX  had been harassing about late fees and I wanted to verify the amount they wanted to charge me along with having them explain to me why after 15 months the principle of my loan ( according to their records ) had come down {$110.00}? 

I wrote XXXX letters to XXXX XXXX XXXX XXXX requesting that they send me information containing dates and payments made to the Principle, Interest and late fees. My first letter was written and sent in XX/XX/XXXX. Since then they have sent me a financial statement without a running balance showing me that late fees were being taken out of the money which I had been sending to pay on my loan. Then it appears that they were then accusing me of not paying on my loan. 

It didn't matter how many times I wrote to request data on the principle and interest of my loan, it didn't matter that two letters were sent from XXXX XXXX XXXX citing my rights under the Fair Debt Collection Act,15 U.S.C. 1692 ( g ) or the Pennsylvania Debt Collection Trade Practices Act, 37 PA. Code 303.7 or the Fair Credit Reporting Act. 15 U.S.C. 1681c. they seemed to thumb their noses at my rights to see what they are doing with the money I am sending to them!

I would appreciate your help in this matter. I feel like they are stealing money from me! Thank you for your time and attention to this matter.

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 2019-05-20
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On Monday XX/XX/XXXX, my wife XXXX received a call from a representative at Midland Credit Management ( legal account number XXXX for {$1900.00} ). She tried a payment arrangement that would have worked but could not come to an agreement. The MCM representative was asking for " {$200.00} the first month, and {$100.00} each month after. '' That is an obscenely high amount with our family 's budget. I tried calling at XXXX this same day and was met with similar resistance. I recommended {$19.00} a month as that was the previous payment arrangement and the last payment made was in XXXX. We are not hiding from this debt but it would be in the Midland Credit Management 's best interest to agree to our payments of {$19.00} a month. Why? In the state of Florida there is a head of household exemption. This debt is solely my wife XXXX 's responsibility. I work too but this is not my debt. That being said, she is eligible for this exemption and here 's why : she provides more than 50 % support for our XXXX XXXX and makes less than net income of {$750.00} a month. Can we come to an agreement that {$19.00} a month is more preferable then no money? XXXX/mo versus XXXX/mo? All we want is piece of mind, no more calls, and no surprise Writ of Garnishment/frozen assets. I've provided links/sources for your education. 

XXXX  : //XXXX.XXXX/XXXX-XXXX-XXXX-XXXX/ XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-14
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card
Issue: Billing statement

Complaint:
When purchasing books from Amazon.com, I was invited online to receive a Chase XXXX card, which would be used for this and subsequent Amazon.com purchases. After purchasing about XXXX items, I just received my first Chase XXXX statement on XXXX XXXX, 2016, which charged {$52.00} in late fees and {$4.00} interest. I called Chase Bank to explain and authorized my Amazon.com purchases to be paid from my online personal bank account. Chase, however, would not waive all late fees & interest. I then asked that Case close this XXXX account. However, since I did not receive any previous billings, I ask the regulatory agency to protect my credit reporting status and ask that late fees & interest be credited. I want to be responsible with credit purchases, but also think the issuing bank should be accountable. Thank you. XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XX/XX/2020, I received an email from XXXX about an update to my TransUnion credit score changing a specific amount. I realized at that point, XXXX had been CCing my ex-spouse, whose access I had removed from my XXXX account a long time ago, on an email alert about my finances. She's been receiving details about my credit score, when I'm paid, how much money I spent, etc. 

This is a significant breach in privacy for me, and all XXXX will tell me is " we took care of it ''. I've had two chats with their support, but no one will help me understand what happened or feel confident it was 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 2022-07-09
Company: Experian Information Solutions Inc.
State: NY
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 fair credit Reporting XXXX  account # XXXX XXXX  XXXX Has violated my rights In accordance with fair credit Reporting XXXX  account # XXXX XXXX XXXX XXXX Has violated my rights 15 u.s.c 1681 Section 602 A states I have the right Privacy 15 u.s.c 1681 Section 604 A section 2 it also states a consumer reporting agency Can not furnish a account with out 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 explanation
Consumer complaint received 2017-01-19
Company: JPMORGAN CHASE & CO.
State: MO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
A check from the XXXX XXXX XXXX XXXX through JPMorgan Chase Bank out of XXXX New York cashed a check payable to me that was stolen. I 've contacted the bank but was given the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: ADP Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
A withdrawal of {$460.00} dollars was made on my card on XXXX XXXX, 2022. The withdraw was made at a XXXX ATM hours away from where I reside. I called the card company to file a dispute. They investigated and claimed no fraud was committed so I got in contact with them once again and they said to file again and said that I wasnt satisfied with outcome of dispute. They sent out paper work to be filled out and asked for further proof to verify that I did not make this transaction. So I completed the paper work and made a police report to send along with their paper work. The detective from the police department who was in charge of the report called and verified that indeed it was fraud and that it is crazy that they had come up with a conclusion of no fraud detected in the first place. I sent in all the paperwork in and every time I called they say they do have the paperwork and will look into it to call back in 7 days. Then when I do call back another person answers and says that my paperwork wasnt received. Its always a different answer and no one has helped me resolve this issue. They claim they will send a letter regarding the status but never do. I request to talk to a XXXX or someone at a higher position and they never want to transfer my call or get me in touch with anyone else at a higher position. This has been going on since XXXX and I had no answer on my problem or if they will return my money. I am so frustrated, just need help in getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: EQUIFAX, INC.
State: MS
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:
EQUIFAX has several violations that Ive notified them of via certified mail, fax, and CFPB portal. All efforts to rectify the situation have gone unanswered and EQUIFAX is now in violation of the FCRA due to willful negligence! Ive recently sent in an affidavit notifying them of the several violations and and EQUIFAX is civilly liable due to the ongoing negligence. EQUIFAX has also been notified of all the inquiries that need to be removed and EQUIFAX refuses to remove them even though theyve been provided with the necessary documents to do so. EQUIFAX is in clear violation of my consumer rights and this is irresponsible for them to continue with improperly reporting information on my consumer file.

Company response to consumer: Closed with explanation