BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-24
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card
Issue: Billing disputes

Complaint:
Chase XXXX XXXX card has fraudulent, deceptive, abusive, and obstructive dispute process for incorrect charges on credit card. 
1. It takes great effort to even find out where on pathetic website you can file a dispute. It is hidden under 'messages ' somewhere. 
2. After typing dispute, when clicking 'submit ', the web page, says " you have been signed out of your account '' rather than stating the dispute has been accepted. This is their way of blocking you from filing a dispute for a charge. 
3. It takes hours speaking to some high school drop out to dispute a charge by phone. 
4. Chase fraudulently removed credit for a disputed charge, 'the protection group ', despite that Chase never asked me for any documentation to corroborate that 'the protection group ' was billing me for services they never rendered. 
5. Again, there is a dispute with XXXX ' and after 30 minuntes finding and writing a dispute, the website says " you 've been signed out '' rather than accepting the dispute. The website is set to automatically sign you out of account instead of accepting any disputes. This constitutes consumer fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Chase used my escrow in XX/XX/XXXX to pay off my mortgage a month early in full leaving two of my property taxes unpaid without our knowledge or permission. I learned about this around XX/XX/XXXX because Chase sent us a letter. We were scheduled to pay off the mortgage in XX/XX/XXXX, which would have left remaining escrow to cover the taxes. The monthly P & I is approximately {$780.00} and they paid out approximately {$680.00} in escrow to cover the loan on XX/XX/XXXX, which was the day after my XXXX payment was made. Their internal investigation yielded that CFPB 1024.34 was not violated in any means because they could do this with escrow, and it is considered a common practice. We paid off our 30 year note in about 14.5 years. 
I believe that this is a stretch of the regulation at best, and if not, completely unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Other

Complaint:
Good Day, I had contacted Chase for improper hard inquiries on my credit reports as below- XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 If you find that my dispute is incorrect, and you did have my authorization to inquire into my credit report, please send me documented proof of my authorization. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: Smith, Rouchon & Associates, Inc.
State: MS
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I, XXXX, completely paid off my medical debt prior to the trial date for the lawsuit that debt collector, Smith Rouchon and Associates ( of XXXX, Mississippi ), filed against me in the Justice Court of XXXX County, Mississippi. 

Despite my full payment - and my being issued a receipt from the law firm for debt collector, Smith Rouchon and Associates, which is named XXXX ( XXXX, Mississippi, as well ) - this debt collector, through its attorneys, still went ahead and obtained a Default Judgment against me. 

In order to obtain this Default Judgment, Smith Rouchon and Assoc./XXXX, went to Court and swore to the Court that I still owed this ( completely paid-off ) medical debt. This was a false certification to the Court. I had paid off the debt, in full, prior to this hearing date in XXXX County ( Mississippi ) Justice Court. 

I did not show up for that trial/hearing date, since I had paid off the debt, and I had a receipt for my full payment. 

Years went by before I discovered that this fraudulently-obtained Default Judgment against me was filed. I only discovered this shocking fact after I was denied for automobile loans, could not obtain a mortgage for the amount I needed, and other severe problems stemming from this fraudulent Default Judgment being reported to the major credit-reporting-bureaus. 

I paid my debt, yet Smith Rouchon and Assoc./XXXX, nonetheless, went ahead and lied to the Court and obtained a fraudulent Default Judgment against me that ruined my credit for years. 

This situation has caused me financial harm, embarrassment, incredible XXXX, and shame.

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 2017-03-23
Company: Specialized Loan Servicing Holdings LLC
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a noticed from SLS who is a debt collector for XXXX, XXXX was the Original Creditor back in XX/XX/XXXX stating that my required loan payment will convert from interest only to principal plus interest as you enter the repayment period of your loan. This came as a shock to me because I was advised by several sources to refinance, and convert the loan to a FIXED rate which I did at the end of the first year before the bank or Lien holder starts to Rachet the loan if that 's the correct term. I believed that the loan was close to being paid off based on the number of years I 'd been making payments. I was also told that XXXX would not approve the Original loan unless I used my home as collateral. I move to the XXXX XX/XX/XXXX to start my early retirement. I contacted SLS by phone after receiving their letter of intent to try and make since of what was going on and learned that SLS documents stated that I was still locked into a ARM. That is where the problem lies. I 'm a US XXXX veteran and still hold my original Home Loan Guarantee from the Veterans Administration that I 've attempted to use since leaving XXXX XXXX. Now that I 'm retired on a fixed income I 'd like to use it to convert my primary mortgage to a VA loan. After the first year I was able to convert the HELOC from a ARM to a FIXED but after that SLS would not respond to the other bank where I applied. Since moving to the XXXX I 've misplaced the documents showing that I refinanced to a FIXED rate after one year. Communication with SLS has been almost impossible because they have refused to send my mail here. They refused to post important information on their Web site so that I can respond. There are times when it 's taken over 2 months to get my mail transferred from my residence in XXXX, XXXX to my residence here.

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 2021-02-18
Company: Nicholas Financial Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Title loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I just better the fact that my XXXX car payment with Nicholas Financial was 30 days late due to being XXXX  since XX/XX/2020. The update to my dispute was to put in that XXXX was 30 days late as well. It was not late! I paid it on time! Why is it that I filed a dispute and then things got even worse? This is ridiculous I have not worked for almost a year now and Im struggling and this is due to Covid not my fault! My payments are current only one was late and Im disputing it due to Covid. Please fix this!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage loan servicer, OCWEN, send me my mortgage interest statement ( " substitute form XXXX '' ) for XX/XX/XXXX. 
On it, I noticed a mistake in their favor. 
My property insurance and property taxes are " escrowed in '' with my mortgage payments. 
The annual property insurance of {$590.00}, was mistakingly deducted from my escrow account XXXX, on XX/XX/XXXX and again on XX/XX/XXXX. 
I contacted OCWEN on XX/XX/XXXX about this issue. 
After many frustrating hours on the phone, with people in XXXX and the XXXX, finally employee XXXX, ID # XXXX, discovered what went wrong : They mailed the payment XXXX to a wrong address of XXXX, whom I have my property insurance with, then they got the check returned to them and then they mailed a new check to the right address. 
The problem is that OCWEN deducted the amount XXXX as disbursements from my escrow account, and never reimbursed me for the mistakingly XXXX deduction from my account. 
A supervisor, XXXX, ID # XXXX, XXXX, ID # XXXX and I had a conference call about this issue and it would be researched. 
On XX/XX/XXXX, I had heard nothing, so I called OCWEN again, and only after suggesting that I might take legal action, did I get connected for the XXXX time with somebody in XXXX USA. His name is XXXX, ID # XXXX and he is a manager for OCWEN. 
Finally he understood and saw the problem, which can be very easily seen on form XXXX, and he figured the issue will be fixed in a couple of days. 
A week later, on XX/XX/XXXX, he called me, but had absolutely no information other than that the issue is not resolved. 
I waited till XX/XX/XXXX to call XXXX again, who had given me his phone number and extension, XXXX ext. XXXX, only to get an answering machine. 
I left a message with my phone number, loan number and a reminder of the issue. 
On XX/XX/XXXX I tried to call several more times only to get an answering machine. 
On XX/XX/XXXX I left another message. 
Up to this moment in time I have not heard from XXXX or anybody else from OCWEN. 
I called the " note holder '' of my loan, XXXX, and they informed me that OCWEN has the servicing rights, but that OCWEN does not work for them. They said I would get results solving this issue by filing complaint with you, the CFPB. 
All in all, OCWEN has now been shorting me on my escrow account 16 days short of one whole year, and known about and admitted to, the {$590.00} mistake for 34 days. No action has been taken to reimburse my account and I am being completely ignored with all my phone calls and messages to the employee who would handle this issue, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 I wrote FirstPoint Coll Resources INC or at least attempted to via mail. Unfortunately, the letter was returned to me. This address was listed as their contact information on my credit report. According to the FCRA companies furnishing data are ONLY to report accurate information. This is a clear violation of FCRA section 623 and now I demand the deletion of this account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony/ Care Credit closed a card that could be used for medical or veterinary care. There was NO balance due on the card. It had been paid in full for many months. I kept the line/ card active so it could be used for a personal medical or veterinary emergency. 

I received a letter that said the account in good standing was CLOSED due to the risk I MAY default on it. 

The closure impacted my credit score because it was one of my oldest accounts that I paid by autopay.

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 2021-02-18
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
THE FOLLOWING UNAUTHORIZED PULLS MUST BE REMOVE TODAY OR FACE CLASS ACTION LAWSXUITS.THE XXXX XXXX XXXX XXXX XXXXXX/XX/2020 ALL HARD 10 ON EXPERIAN

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: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have XXXX private loans with navient and XXXX with XXXX. Since XX/XX/2011 I have been paying a loan of original balance XXXX and XXXX of XXXX. So far they I have a couple of years more to pay them due to high interest. I have loans with a 4.750 % interest and XXXX with a 11.375 % interest. Sometimes I cant afford any other things for personal use due to so many student debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I contacted navient several times over the last two years advising that due to medical reason, XXXX in 2015, that I was not able to make my loan payments because I was XXXX and due to hospitalizations, my income was lower. I was advised to take forbearance for those times which I did, not knowing I could have entered into an income based plan. Also, I received a notice from navient of a forbearance period for a natural disaster in my area, but I never requested that. I was shocked when I received the letter. I attempted to contact navient but never received an answer. Finally, navient could not have made it more difficult to enter into an income based repayment plan. The website where you are supposed to upload the application and tax returns for proof of income states that the application is too large to accept ... .its their application. And would not accept tax documents. Took days, numerous phone calls to get a fax number to send documents. Then I was told to pay {$50.00} as a good faith showing so they would not put me into default while my application was pending bc they were n't sure they would have application complete within XXXX 30 days I had before going into default. I did finally receive notice of the I come based repayment plan. However, I am concerned about the forbearance done without my request or permission and the 2 years I could have been on a repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
With final notice dated XX/XX/XXXX Bank of America informed me that a check issued in my favor by the bank on XX/XX/XXXX (!! ) in the amount of {$460.00} has not been presented for payment. 
This letter was sent to my old adress in XXXX and had to be forwarded to XXXX, where it arrived on XXXX XXXX. I have immediately returned it with my request to issue a new check or make a bank transfer to my account. 
During a phone call at the indicated number I was told that the check is no longer available and will be handed to the State of Florida as lost property. 
This is not acceptable as it has taken the bank more than 5 years to inform me of this check which never arrived at destination.

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 2016-02-08
Company: WELLS FARGO & COMPANY
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have a problem getting statements mailed because Wells Fargo wants everyone to subscribe to online. When I am out of town I change delivery preferences to online to pickup the statement to make sure my balance is correct. That change is immediate because Wells Fargo will not allow viewing the statement with the preference of US Mail. When I change it back to US Mail I do not receive statements because Wells Fargo says there is a 30 day delay with that change. This is a man made delay because that 30 day delay is a recent problem because this did not start happening until sometime last year. They are happy to mail a statement with a fee of {$5.00} that they will waive if I call and complain.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Requested to have my school loan income lowered based on my income. I make XXXX $ an hour and can not afford XXXX $ monthly. My school loan was in forbearance for 2 yrs because I could not afford payments on a single income living in the XXXX XXXX area.. 
Naviant denied my request saying my income was to high. 
I had read about Naviant just minutes before calling them about how the deny rights for income driven repayment and lawsuits pending against them. When I called them they kept trying to deny my request for lower repayment until I brought up the lawsuits and the rights they are denying. They now are saying they will lower my payment to XXXX $ for two years and will increase after. In which I can reapply to have them lowered again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: JPMORGAN CHASE & CO.
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
On XX/XX/XXXX, I was living with my brother when his house caught fire in XXXX. I went to the hospital for treatment. XXXX told me they would provide me with housing, my medical bills would be paid and I would get paid for all my belongings lost in the fire. As of today I have not received anything. It came to my attention that a check was issued for me. XXXX cut a check made out to my brother and his wife, ( they were divorced XX/XX/XXXX ). My brothers wife endorsed the check, deposited it, and took the money for herself. My brother never endorsed the check or saw the money that XXXX said was intended for me. This incident was reported to the XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
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:
XXXX XXXX XXXX XXXX XXXX, LA XXXX Dispute this XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  : XXXX XXXX  XXXX XXXX : XXXX Previous address XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX, LA XXXX Dispute this Previous address XXXX  XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
capital one give me hard time someone used my name Card opened as result of identity theft or fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: JPMORGAN CHASE & CO.
State: MN
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
Chase short sale. Final settlement was submitted to Chase on XXXX XXXX as required by Chase to receive final XXXX approval to close. It has been our law firms experience with Chase that no matter how far in advance the settlement statements are submitted to Chase they are unable to provide the final approval to close. This particular file has been escalated through the Escalations Department since XXXX XXXX due to Chase 's lack of providing XXXX approvals on time. I was advised yesterday that we would have the final approval to close by end of business on the XXXX. Still today XXXX we do not have the final approval to close. My contact with Chase escalations on XXXX at XXXX XXXX stated that I would have the approval with in 30 minutes as it has been escalated. XXXX XXXX still waiting for the final approval to close. Contacted Chase again and was advised that it would be another hour as per the manager of the closing department. I then requested to speak to the manager in the XXXX approval letter and was advised that they are out of the office due to the holidays. This is unacceptable as end of month is the busiest time for closings and Chase continually allows their staff time off at the busiest times of the month. This is a continual problem with Chase and they continue to harm our clients due to their lack of approving the Final XXXX for approval to close.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I HAD A VERY SMALL AMOUNT THAT WAS OWED TO WELLS FARGO BANK CARD AND BECAUSE OF A DISPUTE AND REQUEST FOR A REFUND ON A FEE THAT WAS CHARGED, I WAS ASSIGNED A 30 DAY LATE NOTICE WHICH HAS REALLY HURT ME GREATLY. 

I WAS EXPLAINING TO THE WOMEN THE REASON THAT I WAS NOT PAYING THAT AMOUNT AND ALSO TOLD HER THAT I DID NOT HAVE THE FUNDS AT THAT TIME AND SHE WAS ANGRY CAUSE I DID HAVE THE AMOUNT IN MY ACCOUNT. I NEEDED THAT FOR OTHER REASON AND SAID I WOULD PAY IF I HAD TO IN A FEW DAYS BUT NOT NOW. SHE DECIDED TO GIVE ME A 30 DAY LATE WHICH HAS HURT ME BIG TIME OVER THE LAST 6 YEARS. 

I AM A XXXX AND I AM IN NEED OF THIS TO BE TAKEN OFF MY RECORD IMMEDIATELY. IT HAS BEEN OVER 6 YEARS AND 4 MONTHS AND WILL COME OFF IN 8 MONTHS AUTOMATICALLY. NEED THIS OFF NOW, THIS IS THE ONLY 30 DAY LATE I HAVE HAD IN OVER 10 YEARS. I HAVE PAID ALL MY BILLS ON TIME WITH A PERFECT SCORE EXCEPT FOR THIS ONE 30 DAY LATE WHICH IS CAUSING ME TO BE TURNED DOWN FOR 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 2021-02-18
Company: Premium Credit Bureau
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:
PREMIUM CREDIT BUREAU XXXX XXXX XXXX XXXX  XXXX, FL XXXX ( XXXX ) XXXX I have not applied for any loans from your company on XXXX XXXX please provide proof on how this was done over phone in person? Please provide address and all additional information as possible someone is using my information for a loan or a line of credit and its on my credit report

Company response to consumer: Closed with explanation