BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I  XXXX   XXXX   XXXX  submitted a form to refinance my mortgage to reproduce my current loan of debt, into a more prosperous loan that better fits my needs. I have applied through  ( 3 ) three  different entities to handle this proposition with intent of full care. I submitted all information that was needed to " Refinance " the mortgage loan within  ( 30-90 )  days of the agreement. I had to make many of phone calls to follow up on the application to help further assist the loan agent. Every time I called, the agent announced, " they were processing the loan '' or they kept repeatedly losing all of my credentials or information such as : "  XXXX  's,  XXXX . 's, social security, credit reports and drivers license. These allegations went on a period ; extending, into a year and a half of "  XXXX  for Tat '' conversations and I was consistently told to resubmit all information at least  ( 5 )  tomes because, it was being lost in a shuffle. This actually ; means, that my applications were being singled out on purpose to force a " Foreclosure '' upon my resident at  XXXX   XXXX   XXXX  /  XXXX , Tx  XXXX . I consistently stayed in compliance with all loan agents and submitted, supplied, and followed all procedures at the time of the "  Refinance  ''. Bank of America sent out a refinance packet that allowed me o qualify and make the first (  3 ) three  payments ; in-which, I set up with "   XXXX   XXXX   XXXX   " accounts to transfer the payments safely to " Bank of America '' to stop the foreclosure. At the time the "  President  '' of the United States mandated that, all lending companies negotiate these loans from negative to a prosperity loan so, the government would not go broke and citizens would not have to vacate the premises. These banks have misled me with the wrong information and caused unnecessary fraudulent loans to transpire under the "  Penal Code Act  '' of the "  Federal Housing Authority '' . I 'm asking for retribution in the amount of total cost of my home ; plus, pain and suffering of all expensives, please. I have been sleeping out on the streets for the duration of being inconvenienced and had to file " Chapter (  XXXX  &  XXXX  ) Acts. I also had to implement a {$10000.00} payments to try to save my home. Please contact me at (  XXXX   )   XXXX  or mail to  XXXX   XXXX  /  XXXX , Tx  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 2016-03-09
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage loan was transferred from XXXX to PHH in XXXX 2016. Prior to the transfer, on XXXX XXXX, XXXX took {$200.00} out of my bank account to cover an escrow shortage. I approved this so that I would n't be making higher payments for 12 months. After PHH took up the loan, they continued to send me statements that did not account for the fact that I had paid the shortage in full. They are double-charging me. I have had 6 phone conversations with them about this over the past XXXX weeks. In every conversation they assure me they will look into this, correct the issue and send me corrected paperwork. In our last conversation, I told them I would deduct from my XX/XX/XXXX and XX/XX/XXXX payments the amount that is a double-charge and they said they will accept that. It is now XXXX XXXX and the issue is still not resolved. The XX/XX/XXXX statement I received yesterday includes the double charge. Today, they told me the issue will be corrected in XX/XX/XXXX. I am out of patience and have no confidence that they will fix this issue. I want it fixed now. I will not pay for something I 've already paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: Audit & Adjustment Co. Inc.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The original creditor " The XXXX XXXX '' performed surgery on my wife 's cat. They stated we should use XXXX XXXX, and we subsequently applied and were granted {$4500.00} for the surgery. They performed the surgery, and did not anchor the leg pin correctly. The pin stuck out of the cats skin more than an inch, and required constant wound care. We took her back, and they said they had no idea what to do, and we had to beg for antibiotics. They refused to perscribe cat pain killers even though she had a XXXX out of her back. They then informed us that they had fired their office manager, and would not take the XXXX XXXX which they had suggested directly that we use, and that the full amount was due even though the credit terms with XXXX XXXX were 2 years no interest. This is unacceptable and borderline fraud. We attempted many times to talk with the business owner to come to some arrangement. 

We have since filed a small claims case against the practice, and we had notified the business of the court case prior to them selling our account to a collection firm " AUDIT AND ADJUSTMENT ''. When we found out about the collections, we contacted the collection firm and notified them that the debt was disputed, and sent them copies of the court papers. 

Their response was a simple note with the name, but not address of the XXXX XXXX ( I believe that FDCPA requires the address as well ) as their verification of the debt. We called back and reiterated that there was an ongoing dispute and pending court action. Imagine my surprise to when my credit monitoring software notified me today that " AUDIT AND ADJUSTMENT '' had filed a collection record. First the debt is clearly being disputed and a Judge will decide if the XXXX XXXX is liable tomorrow. Second for them to go after myself and my wife and ding our credit when there is a clear and specific dispute and pending court action where we are the moving party is insane.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I missed a payment XX/XX/XXXX and did n't realize it until I received a letter from Navient XX/XX/XXXX. I was unable to make the entire payment at one time so I broke it up into 4 smaller payments and scheduled automatic deductions from my checking account via Navient 's website. I have one more payment left and Navient collectors have started calling my place of employment. Now the owner of the company I work for is questioning me about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
In setting up a fraud recovery plan with the FTC XXXX of the steps is to request a free credit report. I did this at XXXX. After filling in the required information, I requested the free report. A message was displayed that a free report had been issued on XXXX XXXX, 2016. I did not request that report on XXXX XXXX, 2016 or on any date in the past. My complaint is that I did not request this report but it was given to someone using my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX XXXX XXXX notified XXXX XXXX XXXX on several occasions to release and dismiss a judgment ( cause no. XXXX ) on XXXX XXXX, XXXX XXXX and XXXX XXXX, 2014 because the matter was settled well-before the court date. XXXX XXXX XXXX indicated that they did not place the judgment on the Equifax , XXXX and XXXX reports. XXXX and XXXX bureaus deleted the judgment from my report. However, Equifax is indicating that the entry is adequate. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have decade old defaults on my credit reports that belong to my wife prior to our marriage. I paid for her defaults in full in XXXX. We married in XXXX. I have written letters to the credit bureaus and did n't receive any assistance and my issue was never investigated. I should n't have any defaults on my credit reports. I have honored every loan I have ever acquired. I 'm a small business owner, my income is {$XXXX} yearly and I have difficulties getting loans because of the discrepancies on my credit score that are not mine. I have to pay cash for everything since I have trouble getting financed which is slowing the growth of my business. Also, I have multiple addresses on my credit file but I 've lived at the same place for the past ten years. And I have inquiries on my credit files that I never sought. The last legitimate inquiry I was responsible for was in XXXX when I bought a car for my wife. But for some reason there are multiple inquiries in XXXX and XXXX. And my credit score has lowered since XXXX and I do not know why. Furthermore, I thought defaults were supposed to drop off after seven years. These old defaults, that were paid off, are over nine years old. I do not trust the credit bureaus and banks. I feel that they intentionally try to lower ones score to make more money via high interest rates on loans. I would also like to add that I do not like credit cards, I do not use credit cards, and I will not use credit cards. Credit cards are rip offs. I dislike that credit cards can have such an impact on ones credit score, good or bad. I always pay for what I purchase but my credit score makes me look like an incompetent derelict. I 'm wondering if I may need to hire an attorney to resolve this if I ca n't on my own. I appreciate your time and look forward to any assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
XXXX XXXX XXXX has required that I get a new credit card number for American Express and XXXX approximately once a year ( sometimes more frequently ) without verifying a reasonable need to undergo the hardship that changing credit card numbers presents. Many Americans have the majority of their payments to businesses on automatic or recurring payments. When the credit card number changes, it is a very time consuming venture to change this number with all of these businesses. If one forgets to change the number with a business or the number does not successfully get changed, this can lead to late fees and can lead to a mark on the consumer 's credit record. In every case with XXXX XXXX XXXX, they gave an XXXX number to call with questions. It was said there was a merchant that possibly compromised the account but when asking the represntative which merchant was involved and what the compomise was, the answer is " we do not have that information ''. I have called the customer service number each time to complain about this practice but no one appears to care what this is doing to consumers. The customer has a right to know why they are being put through all of this hassle and the credit card compny should be required to verify that it was a big enough threat to merit these inconveniences. It is even possible that XXXX is changing these numbers periodically in a similar fashion that is recommended for changing passwords. This is not acceptable. Please intervene an help to spur legislation that will prevent credit card companies from running consumers in circles just to protect themselves from the slightest chance of merchant compomise. If it has to be, so be it-but the consumer should have the right to know exactly what merchant is involved and what the violation was.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Experian refused to provide free annual credit report through XXXX. No explanation given, simply we are unable to fill this request. 
The refusal screen provided the option to buy Experian credit report and scores. Experian is not meeting its obligation to provide a free annual credit report. 
Experian is deceptively using the XXXX website to sell their products.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-22
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I was looking for a free credit report. EXPERIAN has created their website in such a way that they charge a dollar ( paid by credit card XXXX to view the report and sign you up for credit monitoring which can be cancelled within 7 days. The website is intentionally convoluted to make it easy to continue without checking what one is signing up for. Soon after, they start charging {$21.00} a month for said monitoring. 
When I called to request a refund, they refused to refund claiming the charge is valid. They further complicated the issue by asking me to request the refund in writing from their accounts department which would consider my issue on a case to case basis. 
I believe their web site is purposely built to trick users into paying for the so called credit monitoring.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX 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 explanation
Consumer complaint received 2022-10-01
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, approximately XXXX I was grocery shopping at XXXX around the same time someone had my debit card information and purchased item ( s ) at XXXX in the amount of {$2200.00}. When I got home from shopping at XXXX, I turned on the XXXX game and they were losing so at half time I went to check my emails and that's when I saw the email from Chase stating the charge. I immediately called chase to dispute the charge and file a claim. While I was on the phone with Chase I receive another email stating I added my card to XXXX XXXX  and there was another charge at XXXX XXXX XXXX for {$70.00}. I never had XXXX XXXX  and I don't have a XXXX membership. Chase did credit back the {$70.00} but they said I authorized the XXXX charge of {$2200.00}. I faxed information from XXXX to Chase fraud stating I don't have a membership and the one I did have expired XX/XX/XXXX and my last purchase was at the food court. That was faxed on XX/XX/XXXX at XXXX The next day I filed a police report with the XXXX, Detective XXXX is assigned to my case. I gave all this information to Chase and they said they will reopen the claim. I called Chase on many occasions to get the status on the claim, only to be told the investigators are still viewing the claim. on XX/XX/XXXX again to get the status only to be told the claim was never reopened, the claims rep. escalated the claim and transferred me to a supervisor in which the Supervisor treated me like was the criminal. From what I found out the investigator never contacted XXXX and/ or XXXX XXXX to confirm if I have a membership or an account with them. I'm doing all the investigation to prove I did not authorize these charges. I really need help with this, I feel they're saying thing just to get me off the phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-07
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Chase Mortgage, represented by XXXX, refused to accept my husband 's XXXX to which I am the Attorney in Fact. I sent XXXX the XXXX for the purpose of refinancing a XXXX joint ) mortgage. I wrote XXXX that Chase " is legally responsible to honor powers of attorney that have taken effect unless there is a fatal flaw such as a forged signature. '' I also reminded XXXX that since XXXX and I are current Chase customers, they have his signature on file for purpose of confirmation. 

XXXX replied " Unfortunately, we do not recognize POAs for the purposes of originating a new loan. '' It is my understanding that banks neither the legal right to refuse a PPOA ( without a fatal flaw ) nor are they permitted to have a policy of refusing PPOAs.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card
Issue: Advertising and marketing

Complaint:
When filling out information to purchase plane tickets online, an offer for an XXXX XXXX Visa Signature Credit Card was made available to me. I signed up for the card and was approved immediately and then the card was used to pay for the plane tickets as intended. When the card finally arrived a couple weeks later and the bonuses that I expected to see were different than what was offered to me when signing up for the card, I became suspicious. I received a different card than the one promoted to me without anything in the terms and conditions saying that they can do that and without any prompting to me to have my decision on if I want to accept this other card instead of the one that I signed up for and believed that I was being approved for and having the tickets charged to. I tried to work things out with the service numbers provided by the card but to no avail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
my identity was stolen, i informed the XXXX XXXX XXXX, but they insisted i paid off the balance and they would remove it from my credit report, i t turns out i paid and they refused to remove it.. i should not be asked to pay for something i am not responsible. i was intimidated and put under pressure to pay this off but i am not responsible

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On or around XXXX 2015 I was advised by a Chase banking representative that I could " save on my interest rate costs by paying bi-weekly or refinancing. '' I began making payments in amount of approximately half my mortgage payment due ( XXXX-XXXX every other week ). I continued to make such payments for the next 2 months approximately until I began getting calls by Chase servicing about my " late payments. '' They explained then that bi-weekly payment was not an option. I inquired as to the amount due then to get the monies Chase was placing in an " unapplied funds account '' to my mortgage, which was {$1600.00}. I advised Chase I 'd make immediate payment ; I did ; they finally credited that amount several weeks later around XXXX XXXX ... .causing me to be 30 days late. Due to erroneous advise at Banking ctr, I have called Chase Private Banking dept./Cust Care to reverse the negative credit reporting which they denied, stating I have to get a sworn affidavit from the branch confirming they in fact gave me bad advice. This is preposterous for several reasons.Please ensure my credit is respired as I have taken a major hit to my FICO once again due to non-compliant Chase Servicing practices and am being denied credit to other areas of my personal life. I have roughly XXXX % equity and a strong payment history having owned this home for 17 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 'm a victim of ID Theft from 2012. Sent new fraudulent acct. info to Experian for blocking and they refused to block the account based on the fact that my original police report was done online. They 're stating that the ONLY WAY they will block the account is if I have the police dept ( out of state ) sign page 5 of the FTC Affidavit. I explained the difficulty and getting this report from 4 years ago signed by an out of state officer and reminded them ( Experian ) that they 'd blocked previous fraudulent accounts on my credit report w/o the officer 's signature. This defeats the purpose of the police department 's intent to generate full, signed reports for these type crimes.

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