BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-27
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been banking with Chase for a long time, i manage both of my sons and my husbands accounts as well. I had every one move their accounts over to chase many years ago. 
WIth out giving me any reason, as i was travelling through XXXX, chase decieded to close my accounts, they drafted a letter to me on XX/XX/XXXX htat they decided to close my accounts, they sent me that letters one of which i received the day after they closed and one a month after they closed. 
I have never over drafted or missed a credit card payment. 
The fact that they closed the accounts without any proper advance notice and the fact that they did not give me an explanation about why they chose to close my accounts. They closed my credit card accounts, my various checking and savings accounts. 
I have worked hard all my life to have good credit, I live an honorable and ethical life, how has this institution decided that i had conducted an unexpec ted activity? 
I would at least like an explantion of what exactly triggered them to do this to me. 
The fact that they did not give me adequate notice, meant that all of our family, mine and my sons essential payments like utilities, phones etc which were on auto pay had to be adjusted, it was a lot of trouble start a new bank account, have new deposits clear through the new bank and have the new payments set up for essential services like heat and water etc. 
We had late fees and fines that we had to deal with for so many payments that we had on auto pay with Chase. 
I feel that after my loyalty to chase for the past 7 to 8 years, they least they can do is tell me what triggered them to classify me as an unsage customer

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I received a call today from this lady I believe her name was XXXX. She made me feel extremely inadequate like i was a liar and that I had no rights. We first spoke XX/XX/XXXX and set up a payment arrangement to get this debt payed off. I told her that {$450.00} a month was all that we could afford and that I would try, key word try, and get something to her when I received my tax return XX/XX/XXXX. We were contacted by this lady again when she called XX/XX/XXXX to ask for a larger sum of money. I told her we had to take care of a bug infestation in our home ( bed bugs ) and that I would not be able to give her more than the promised monthly {$450.00} that we had agreed upon at the XX/XX/XXXX. She told me that would not be enough and said that she would be making a judgment against me. XX/XX/XXXX she called and stated that I had done nothing about my collection debt and that this is all my fault that we are where we are. She stated that I could have come up with money to pay this debt and that I needed to come up with {$2800.00} within a week and {$650.00} a month so that they would stop the judgement. I told her that was not possible and that is what I was trying to do back XX/XX/XXXX. If she had given me the 5 months between XX/XX/XXXX and XX/XX/XXXX to come up with the {$2800.00} that it would not have been a problem but that last time I spoke to her she made it seem like a lower payment was not an option. This most recent time she called me this morning XX/XX/XXXX she stated that I stuck my head in the sand hoping this would go away. That I never spoke to my husband about any of the decisions and kept him in the dark when I had not. She called me irresponsible and selfish to quit my job to be home with my kids. She told me that I am the one that has been unresponsive when it comes to working with them. She told me that I have until XX/XX/XXXX to come up with something and she does n't care if it means that I ca n't buy food or pay my mortgage because I am at fault and was not willing to work anything out with her, when I tried working something out with her since XX/XX/XXXX. I told her as a consumer XX/XX/XXXX that she is not allowed to contact me any longer and that I had felt attacked and she still proceeded to contact me. She called me a liar and told me that my sob story will not do me any good and that she really hopes that I have to go back to work because of this and that again I was irresponsible and selfish to quit to begin with.

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 2022-04-18
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The borrower on the mortgage passed away. He was my stepfather and he had a trust that named my mother as his successor. However, before she could trust the property to me, she passed away. The property went to the next in line. He trusted the property to me. My husband and I are on the title through the county of XXXX. The mortgage company refuses to acknowledge me as the Successor in Interest. I have submitted every form they have asked for. I have submitted both trusts and they refuse to give me any information about the property. They are asking for a Trust Certificate. I even had my attorney on the line with them to find out exactly what they need. I asked why they need a Trust Certificate when I have already submitted both trusts. They never have an answer. They have promised me over 10 times that a Specialist will call me back because they dont know. I have never received a call back. They absolutely refuse to give me any information about the mortgage. It is now in active foreclosure. I want to get it caught up, but they wont tell me how much I need to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX Account ( XXXX XXXX  XXXX | XXXX... ) has violated my rights : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2016-01-04
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Advertising and marketing

Complaint:
I was coerced into opening a new account with american express with misleading signup offers. The offer completely contradicted what was actually offered ( nothing at all ). I have contacted amex to resolve and they pointed out another offer, and did not address my concerns directly at all. 

Fraudulent marketing specifically to mislead consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
on XX/XX/XXXX I got an email- sender name is a friend,. it asks me to do a favor and go to XXXX, buy 2 gift cards of {$200.00} each, scratch off code in back, take a picture and send it to her. I did that. had to go back to store and get replacement card since I scratched it too hard. did that on XX/XX/XXXX and sent her replacement card. On XX/XX/XXXX i got another email from her asking me to get 3 more cards of {$200.00} each. fool that I am I did it and sent 3 more cards. since she is an older lady and involved in many charities I assumed that this was something like that. Today XX/XX/XXXX I got another email from her asking me to get 5 more cards. finally got suspicious, called her and she told me She was not the sender. Called Discover card and was told that the latest charge of {$600.00} was pending and they could not do anything until XXXX put this item in dispute. 2 hours after I am now told that the charge was paid. and that they could do nothing. BOTH XXXX AND DISCOVER HAVE DONE NOTHING!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

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 2022-04-18
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX or so, Countrywide was our mortgage provider. We started to experience financial trouble due to XXXX medical issues. We had trouble paying the mortgage ; eventually, in XXXX or so, we got a re-modification from Countrywide, lowering our monthly payment to under {$1700.00}. We still had other overwhelming bills, and in XXXX, we filed for Chapter XXXX. Shortly thereafter, our mortgage was transferred to Bank of America [ BoA ]. BoA then raised our mortgage, despite a signed re-mod with Countrywide ; the monthly payments fluctuated fro {$2300.00} to over {$2600.00} with no explanation. BoA did receive monthly payments from the Chapter XXXX Trustee. From XXXX to XXXX, we constantly reached out to BoA for assistance, but they ignored us. They tried to get the bankruptcy thrown out, but they withdrew their petition when our lawyer contacted their lawyers in XXXX as to BoA documenting their charges. Then in late XXXX, when we finished making monthly payments to the CXXXX Trustee, BoA sent us a bill stating we owed $ XXXX. We contacted our CXXXX lawyer, who contacted both BoA and their local lawyers. Within a few months, BoA claimed we owed $ XXXX. BoA refused to respond to our lawyer 's queries ; in addition, our lawyer told us that the local lawyers retained by BoA told him that they could n't get an answer from BoA in regard to fully documenting what we supposedly owed them. Within a couple more months, BoA then stated we owed $ XXXX. They then sold the mortgage to XXXX XXXX XXXX XXXX ; not only did they sell off the mortgage but they also sold off the " penalties. '' We got a bill from XXXX in summer XXXX demanding immediate payment of $ XXXX. 
We did work out a new payment plan with XXXX. Currently, we 're paying {$3200.00}, after paying {$3300.00} for five months. We are still responsible for the fees and penalties which BoA charged us. We argue that those fees and penalties are usury. 
We also believe that because we were in bankruptcy, BoA was never going to recoup the losses they assumed from Countrywide. As such, BoA allegedly ignored the Countrywide re-modification and charged a higher amount which we could never meet because we were on a strict budget with the CXXXX. But not only that, they charged unjustifiable fees and penalties, as evident by their refusal to account for all the charges. And to avoid any responsibility or ramifications for unfair/unreasonable charges, they sold off the mortgage and the " penalties '' to XXXX. Therefore, we would no longer be in a position to challenge BoA any more because they are no longer the mortgage server. Instead, XXXX services the loan, and they purchased what they could argue is a legitimate debt.

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 2022-04-18
Company: Credit Management Control, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XXXX someone with the same name opened utility account and their account went to collections. They reached out to me and I was threatened into paying off the debt at the risk of ruining my perfect credit. They did not inform me of my right to dispute the account and forced me to give them my credit card information. I paid off the debt on XX/XX/XXXX. Earlier this year I was made aware of my right to challenge the validity of any debt so I sent this company a certified letter on XX/XX/XXXX, they received this letter on XX/XX/XXXX. 

The letter sent to them was a request they validate this debt. They sent me back a contract with absolutely no information belonging to me except the name that states " XXXX XXXX ( XXXX XXXX ) '', I have no knowledge of a XXXX XXXX in my family, sibling or relative. I have never lived at the address on the report they provided me, the phone number on the report has never been a number of mine, every signature on the report they provided me is not of my name, in fact the signature on the report belongs to a XXXX XXXX. They have failed to validate this debt and need to delete it from my reports. 

The only information they have that ties me to this account is my credit card information they got from me at the time of the collection to pay off this debt. I used my own money to pay for someone else 's debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My Navient account is locked due to failed attempts at logging in. Even though I use plenty of personal information to retrieve username and changing password. It says, I should call them to have them unlock it. 
I 've called multiple times in the past year only to be on hold for more than 45 minutes then I hang up. I 've gotten though once, only to be told, " I do n't know how to help you '' and then asked to be transferred to someone that does. During the " transferring '' of the call, I 'm hung up on. I 've stopped bothering to get into my account because it 's on auto pay and they do n't bother me. 
However, it 's ridiculous for this to be happening. Managing your account should n't be this hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: EQUIFAX, INC.
State: OH
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:
Looking over my credit report and notice there were fraudulent accounts that do not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX xxxxxxxxxxxxx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: NETWORK CAPITAL FUNDING CORP
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2022 I told Network Capitol I didn't want or need a new mortage. However, a week later I received loan documents in the mail. I don't appreciate them proceeding with try to for e me into a loan I didn't want. This is very sneaky and underhanded process and should be stopped immediately Thanks

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 2015-05-12
Company: Navient Solutions, LLC.
State: DE
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I applied for direct debit in mid-March of 2015 for a private student loan serviced by Navient ( originated with XXXX XXXX ). I was given to understand that it could take a few billing cycles for the automatic debit to kick in, so I made a manual payment for XXXX. When I noticed that the XXXX payment had not been automatically debited, I called the private arm of Navient on XXXX XXXX and asked why no XXXX payment had been debited but my " amount due '' shown on the Navient website was at {$0.00}. I was told that it was taking a little longer than normal to activate direct debit and that my account had been put into an automatic forbearance. I was told that this would not affect any credit or reporting, but that interest would continue to accrue on the unpaid balance ( including that payment that was n't made-without my knowledge- in XXXX ). I was assured by the customer service representative that my next payment would be automatically debited as scheduled on XXXX XXXX. As of XXXX XXXX, no payment has been debited. I made a manual payment on XXXX XXXX, even though the website still says my amount due is {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-14
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I had a corporate credit card with American Express. My company decided to leave American Express and move their corporate account to XXXX, at the end of XX/XX/XXXX. I had a positive balance in my account, so I requested a refund, which I had to do through my company, as told to me by American Express. 3 months, XX/XX/XXXX, later I received a refund for around {$250.00}. The next month, XX/XX/XXXX, I get a statement for a bill say I owe exactly the amount of my refund. I call American Express, and I get told that there was a mistake made on their end, that the system shows XXXX checks were issued, and that they will simply cancel XXXX of them and everything is resolved. Next month I get a statement for the amount of the refund plus a late charge. I call again, they apologize and tell me everything is taken care of. They even assure me that it is, and that I wo n't be getting any more statements. Next month I get a statement, still owe the {$250.00}, plus a late charge, and now plus another late charge. I call again and get told it 's resolved, so sorry. Next month, another statement, and then another, and another, late charges added each time, the amount owed grows to {$500.00}. I call and try to get it resolved, but now they tell me the account is closed, been sent to a collection agency. Collections? For what? A mistake they made in their system as they have never sent any proof that XXXX checks were issued, and that XXXX checks were cashed, because that simply never happened. Now they send me a letter saying they will settle my account if I just pay the original {$250.00} plus a little, and not the whole {$500.00}, 14 months later. So I call them up, with the number provided, and they tell me they will open a dispute, but I say I want it resolved now, so I get to talk to the supervisor, who passes me along to card services, who sends me to corporate accounts, who sends me back to collections ( which appears to be in XXXX, not that that has anything to do with anything ). I wo n't hang up until I get to talk to the investigator in the dispute department, but they tell me they do n't have that number and they hang up on me. They have destroyed my credit rating, had collection agencies call me on a daily basis, at both my cell phone and office line, have passed me along to department and department. One time they even said the issue was with my company 's accounts payable department, and I should dispute it with them. I have never in my life been treated so poorly for a mistake not of my own doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XXXX XXXX, XXXX I received an email from XXXX that my order was shipped. I contacted them immediately that I had not ordered anything. XXXX has documentation of my call. I also call Bank of America right after that and informed them that my card was used fraudulently. I was issued a new credit card. Someone attempted to order XXXX XXXX XXXX and XXXX cancelled one order & refused to change the shipping address on one order. 3 orders were accepted ; 2 orders were shipped to an address in XXXX & one to my home address. I was told by a fraud supervisor with Bank of America that the address in XXXX belongs to a company. I returned the item shipped to my address to XXXX, using a XXXX label that they provided.. 
XXXX has been unable to credit my card for the returned item because of the dispute so the charge for the XXXX I returned still appears on my credit card along with the charges for the 2 XXXX that were shipped to XXXX. On the XXXX site it says the item was returned. Despite numerous calls to both XXXX and Bank of America , Bank of America has denied the fraud dispute and I am not only being charged for XXXX XXXX that I didn't order but accruing interest charges. I have appealed the decision to bank of america numerous times & most recently was rejected because : '' while you personally didn't make the charges we confirmed that it was made by an authorized user on the account or someone who has permission to use the card. '' I am a single person, live alone, do not have anyone else on my account, nor have I authorized anyone to use my card. I am a victim of fraud & of Bank of America 's refusal to accept that these are indeed fraudulent charges. It is now affecting my credit score. I have been with Bank of America since the XXXX XXXX & never even had a late charge.I am getting charged interest now even though a bank of america fraud supervisor named XXXX in XXXX told me not to pay the charges for the XXXX. I am including the orders listed on XXXX with addresses, documenting the one item returned, and some of bank of america 's responses. My credit rating has gone down as a consequence.

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