BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Well its been 6 months since I been asking Chase told help me get out of this BAD loan that they gave me. My payment was a negative ARM, did n't cover half of the interest or property taxes. 
So Chase told me to apply for the loan modification option, after 4 months going back and forth. Chase finally assigned a negotiator ( XXXX XXXX p. XXXX ext. XXXX ) who told me that he apologizes but he had forgot about my application for loan modification and he will do his best to review the file after 4months. 

So XXXX XXXX made fax all the documents again since he forgot to review my documents 4 months ago, I faxed and even mail the complete application all over again. On XX/XX/XXXX XXXX XXXX finally told me that my application was sent to an underwriter and to wait for an approval. 
After 30 days later I called to check the status and XXXX XXXX told me that the underwriters went on vacation and my application was never reviewed so I had to resubmit my application. 
So I requested for a manager and he transfer the call to XXXX XXXX phone # XXXX ( supervisor ) who told me that XXXX XXXX was new to their department and he will be helping him out with the review of my loan modification for HAMP program. 

XXXX XXXX phone # XXXX ( supervisor ) also told me that all the documents were in and to allow 30 days to have a final decision. So On XX/XX/XXXX. I called Chase and spoke to XXXX XXXX from the Loss Mitigation department who told me that no one was available to provide me with the decision and he hang up on me. 

I called today XX/XX/XXXX and spoke to XXXX XXXX who told me that no one was available but based on the notes my application was removed from modification because the HAMP program expired on XX/XX/XXXX and it does n't matter if I had applied before that time since my application was removed and cancelled. 
It did n't make any sense so I requested for a manager and she told me that no one was going to speak to me since I was no longer covered under the government program and she hang up on me. 

I am very upset at Chase and all representatives that work there since it is not fair that they are coming up with all theses excuses to refuse to help me keep my home. My mortgage payment now became adjustable and I can not longer afford the new payment. I do n't think this is fair since I asked for help before the payment became adjustable. 


I am asking for your help since it is not fair the way that Chase is treating me and my family. all we are asking for is to help keep our home. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: NELSON AND KENNARD
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXXXXXX XXXX credit card opened in XXXX, made consistent payments. Fell onto hardship in XXXX, tried to negotiate a settlement in XXXX was denied. Tried to file bankruptcy in XXXX and was denied. Negotiated settlements with all other debts and this XXXX XXXX credit card would not work with me. Debt owed was {$6900.00}. For the past XXXX years they have been garnishing my wages, charging 10 % interest per day on the debt owed. Tried to call the again to settle and they wanted me to pay more then the amount owed. This is unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: Zenith Financial Network Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Continually receive calls to my work at a desk number I no longer sit at. No messages left but if someone answers they are told something about serving a summons. I have never received paperwork from this company. Company is located in FL but is spoofing and using a local number

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
MY BANK OF AMERICA CREDIT CARD ( XXXX. XXXX XXXX, SHOWS ME 30 DAYS LATE IN XXXX XXXX. HOWEVER, IN MID XXXX XXXX I SUFFERED AN XXXX XXXX AND WAS IN ICU FOE 4 WEEKS, BUT TO THE BEST OF KNOWLEDGE I MAILED THE PAYMENT. I HAVE NEVER BEEN LATE ON ANY PAYMENT BEFORE OR AFTER. PLEASE ASSIST.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: Experian Information Solutions Inc.
State: MD
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9500.00}, {$5900.00}, {$2900.00}, {$3900.00}, {$16000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response o utlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 


-- CLOSED ACCOUNTS -- 3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: Dovenmuehle Mortgage, Inc.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I requested additional 6 months forbearance. This company only extended for 3 months. I need the additional 3 months forbearance approved. 

according with previous case # XXXX my request for additional 6 month extension was not mention according to the website that I documented. I am receiving 5 months of forbearance initially. I am needing additional 6 months of forbearance to include XX/XX/2021. I am requesting this assistance from this mortgage servicer by XX/XX/2021, according to the HUD website https : /XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This extension needs to be approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: JPMORGAN CHASE & CO.
State: TX
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:
A fraudulent charge of {$640.00} from XXXX was charged to our Chase XXXX card on XX/XX/2021, then posted on XX/XX/2021. After receiving a text from Chase on XX/XX/2021 notifying us of this pending charge, we cancelled that credit card number and was issued a new card from Chase. 

Chase received incorrect proof from XXXX stating that we made the purchase and received the goods. A few months later we learned that the phone number, email address and XXXX Address on the invoice were not ours, but XXXXhe street address was correct. Chase took XXXX 's word and recharged the items to our new credit card number. 

XXXX was contacted and they say the order was valid, even with the incorrect phone number, email address and XXXX Address. 

XXXX was the delivery service and they say that they delivered two boxes and different times on XX/XX/2021. We were only notified initially by Chase of the first delivery, so downloaded a clip from XXXX XXXX security camera which show a XXXX delivery of a box which was too small to contain a XXXX XXXX XXXX vacuum cleaner. by the time we were notified of the later delivery, it was past the 60 day time frame for online video storage with XXXX. We actually went to XXXX and found the exact product described on the XXXX invoice that we eventually obtained from Chase. The dimensions of the XXXX XXXX vacuum box was obviously larger that the box that was delivered by XXXX on XX/XX/2021. 

We have gone round and round with Chase and they would NOT remove the fraudulent charge from our account. We paid the amount that we do not owe and are currently not using our Chase XXXX cards. 

We have filed a police report for identity theft, as well as an Identity Theft Report with the FTC. 

The bottom line is that we did not order two XXXX XXXX XXXXrom XXXX, we never received two XXXX XXXX from XXXX, but we were stuck paying for two XXXX cleaners from XXXX to maintain our credit rating. We keep digital copies of receipts from online purchases ... and if this can happen to us, it can happen to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: EQUIFAX, INC.
State: NJ
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:
A few attempts have been made via letters at least 2 to  Equifax, 1 in XXXX and another in XXXX. I also called them and informed them about the accounts and inquiries. One from XXXX and another from XXXX/XXXX. I actually called XXXX/XXXX  with XXXX  fruad department and they help cleared it up on the furnishers end. So they are willfully reporting inaccurate data. They have not gotten back to me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
" My name is XXXX XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS, INQUIRIES and BANKRUPTCY from my credit report immediately. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ACCOUNTS AREN'T MINE, NEVER AUTHORIZED THOSE ACCOUNTS TO BE OPENED, XXXX XXXX  XXXX. Opened XXXX ( {$150.00} ) XXXX XXXX XXXX Opened XXXX ( {$670.00} )

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 non-monetary relief
Consumer complaint received 2015-06-04
Company: BANK OF THE WEST
State: CO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I live in XXXX and I purchased a car in XXXX XXXX, when i purchased this car i recieved a bank loan from bank of the west. Everything was fine till I called the state of XXXX and asked them what I need to get my vehicle licensed. XXXX dmv is telling me that the bank is supposed to send them the title due to the title being a XXXX title, the bank on the other hand is telling me that the dmv is supposed to request a copy of the title from the bank. I 've called on several different occasions asking and the bank first told me they lost or misplaced the title. Then the bank branch XXXX called me and said they would be sending the title out soon, but two days before that i had a voicemail from bank of the west saying they sent the title out already. I 've been getting blown off by everybody i call with a different story everytime at this branch as well. The bank of the west branch is located at XXXX XXXX XXXX in XXXX, XXXX. I just need to have the bank quit telling me lies and send the title to XXXX County dmv in XXXX XXXX, XXXX and i can not get anyone to send it so i can be LEGAL driving my vehicle. the dmv will not give me a license plate until I have the title or they have it sent to them, there is no professionalism at this branch.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

DEPTEDXXXX XXXX {$230.00} DEPTEDXXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$910.00} DEPTEDXXXX XXXX {$190.00} DEPTEDXXXX XXXX {$120.00} DEPTEDXXXX XXXX {$460.00} DEPTEDXXXX XXXX {$3400.00} DEPTEDXXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$2200.00} DEPTEDXXXX XXXX {$1200.00} XXXX  XXXX {$1200.00} XXXX  XXXX {$630.00} XXXX  XXXX {$410.00} XXXX XXXX XXXX   XXXX {$440.00} XXXX XXXX XXXX   XXXX {$430.00} XXXX  XXXX XXXX {$420.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX {$650.00} XXXX XXXX XXXX {$440.00} XXXX/XXXX XXXX {$570.00} XXXX XXXX XXXX XXXX {$650.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 2022-03-15
Company: Experian Information Solutions Inc.
State: MI
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:
Experian and XXXX have willfully failed to comply with any requirement imposed under this subchapter 15 USC 1681. I sent letters to the XX/XX/2022, letting them know that they have posted inaccurate information on my consumer report. 
Under the FCRA they have violated 15 USC 1681i. 

Please see attached letters that were sent

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 2022-07-10
Company: EQUIFAX, INC.
State: CA
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, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've been trying to reach out to credit bureaus to correct my credit report but nothing has been done up to this moment. I was a victim of identity theft and there are unauthorized inquiries and accounts that aren't mine reported. I wrote them another letter on XX/XX/2022 which I attached to this complaint hoping that they will check on 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 non-monetary relief
Consumer complaint received 2022-07-10
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I used chime for my checking account on Thursday XX/XX/XXXX I received my check direct deposit from the company I work for chime has suspended my account and they have kept my whole paycheck for the past four days since XX/XX/XXXX I have not been able to buy food gas paid my bills my cell phone has been disconnected I cant pay my car payment my car insurance I cant do anything for my family because they said they close my account for noncompliance I gave them the original email that I wanted to use and I signed up with in XXXX since XXXX theyve been continuously getting my checks direct apposite no problem on Thursday, XX/XX/XXXX they froze my funds and they have refused to give me any money they said it was for noncompliance they asked me to send my license front and back theyve asked me to send a bill at my house in my name and asked me to send the last four of my social I have called them 8 Times and beg them for a resolution Ive sent all the information required of me two times every time I called and talk to an agent they can tell that my account is suspended my account is locked and they tell me that they visibly see the information that I sent in everything I was asked for but they wont unlock my account how do you XXXX to them Im hungry I have to get back to work I dont know what to do they tell me they see my information there they dont know why a member of supports not taking care of and unlocking my account I didnt do anything wrong I wasnt overdrawn they asked me to verify my identity every time I call and I always verify my identity I give them my name I give them the last four of my social I gave them the last transactions I was able to use on my debit card and they still will not release my funds I am financially suffering right now I cant buy my kids anything to eat I cant pay my bill that was just disconnected I cant have gas to get to work on Monday I cant do anything Ive talked to multiple agents eight different times when I call Ive even talk to a supervisor I was told on multiple occasions I would get a call back within two hours nobodys ever called me back I need them to unlock my debit card and release my funds I dont know what to do its morally wrong and inhumane to do that to a person when they can visibly see Im complying and sending all the information they sent me to text messages telling me that my email was XXXX and then they sent me another email telling me that my email was XXXX explain to them I sent them the information from the email address I signed up with and that should be on file they keep sending me these emails that they create and I cant access. Im going to include all the screenshots from 10 different emails back-and-forth with time where I have complied and I sent my information twice I originally sent it when they first asked me to on Friday to XXXX then I sent it again and forwarded all the information again

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX took money from my business TD bank account, I informed TDBank that XXXX. Com was taking money from my account but was not paying on my trip from XXXX XXXX to XXXX XXXX XXXX weekend 2020 Td bank refunded the money but late recouped it back and said XXXX had the right to take my money and not refunded me, I informed TD bank XXXX. XXXX is a fraud Company and is under investigation by the Attorney general of Florida and Massachusetts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Navient has begun a harassment campaign against me by making many calls per day to my phone number from different states and at all times of day. This has resulted in a confusion between these Navient spam calls and important calls that I get during the day. I have missed an important call from a personal contact because the call was filtered out as spam along with the unreasonable amount of spam Navient calls. Navient 's phone call harassment campain against me can not continue because it might lead to me missing an urgent call for help from a family member or friend and the results could be disastrous. 

I demand that Navient immediately cease spam calling my phone number because this presents a tangible danger to my family and other contacts.

Company response to consumer: Closed with explanation