BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-27
Company: Experian Information Solutions Inc.
State: TN
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:
I requested validation of a public record on my account which XXXX XXXX and Experian all sent me a letter stating they received information from a 3rd party stating that the 3rd party verified it I contacted the 3rd party which is XXXX XXXX and they stated that under no circumstances that these credit bureau 's pulled anything from their site nor comform by an agent to verify your circumstances and it 's misleading and fraudulent to state as such! Then I requested it be removed again they sent me letter stating that the XXXX XXXX XXXX verified the same thing upon contacting the Bankruptcy court of TN to see if they had verifiy or validated any information concerning me I was told it is against the law to exposed or give any information comconcerning court documents about a person information which is illegal and unorthodox to be open for a lawsuit! So I 'm filing this complaint against the credit bureaus for misleading information that was given to me and that they removed all public records & accounts that has not been validated!

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 2017-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I requested validation of a public record on my account which  XXXX , Transunion and  XXXX  all sent me a letter stating they received information from a  3rd party stating that the 3rd party verified it I contacted the 3rd party which  is  XXXX   XXXX  and they stated that under no circumstances that these credit bureau 's pulled anything from their site nor comform by an agent to verify your circumstances and it 's misleading and fraudulent to state as such! Then I requested it be removed again they sent me letter stating that the TN F ED BK  verified the same thing upon contacting the Bankruptcy court of TN to see if they had verifiy or validated any information concerning me I was told it is against the law to exposed or give any information comconcerning court documents about a person information which is illegal and unorthodox to be open for a lawsuit! So I 'm filing this complaint against the credit bureaus for misleading information that was given to me and that they removed all public records & accounts that has not been validated!

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 2017-03-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
JP Morgan Chase Bank has locked out the property located at XXXX XXXX XXXX, XXXX NY XXXX for several years. The property is a townhome located in the XXXX XXXX XXXX. The exterior of the property is in need of maintenance. The property conditions is far less than that of it 's attached neighbors and in the Association which is bringing the homeowner values down disparaging all owners in the Association. JP Morgan Chase does not return phone calls or written communications. The property has been vacant for several years and needs to be repaired.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Transaction issue

Complaint:
I have a unauthorized charged on my macys American express card1.XX/XX/XXXX macys at XXXX XXXX in amount of $ XXXX.XX/XX/XXXX macys at XXXX in amount of $ XXXX.XX/XX/XXXX macys at XXXX in amount of $ XXXXtotal amount of XXXX un authorized charge

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2015-08-30
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card
Issue: Payoff process

Complaint:
I 'm writing because I have an issue with Chase credit card. I recently transferred a balance from one of my high interest credit card to Chase for a low introductory 0 % rate. My goal is to set-up monthly payments so that I can pay-off the balance before the introductory period ends. However, Chase only gives the option to pay the minimum balance or payoff the balance. They do not give the option of inputting a set amount that I would like to pay on a monthly basis. The problem is the minimum balance is always " XXXX '' and I 'm clearly not in a position to totally pay off the balance ; which Chase is aware off because I would not have transferred the balance. 
I believe this is fraud, and clear intentions to not have the credit pay-off before the introductory rate being offer expires. 
Just to note, I have the option of a set amount for all of my other credit cards. This seems to be only a practice of Chase. 
Please advise.. 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX I deposited a check in the amount of {$11000.00} to my personal account in Chase Manhattan Bank. It was my own check from my other own personal account in XXXX XXXX XXXX. 
On XXXX XXXX ( XXXX days later ) I receive a letter stating that the funds were withheld because " this deposit is not consistent with the account 's normal deposit activity ''. The letter also says that the money will be held until XXXX/XXXX/2015. 
I do n't understand why the operation takes XXXX days to perform. Especially considering that the money is not in my XXXX XXXX XXXX 's " origin '' account since XXXX XXXX. 
Plus : 1. It is an operation from my account in XXXX bank to my account in another bank. 
2. I do n't think the reason about my " not normal deposit patterns '' is valid ( if it was my " withdrawal '' patterns, I can understand, but making a deposit into my own account? ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
ISSUE : 1. Chase bank without authorization opened an impound/escrow account alleging that they received notice by the XXXX XXXX Tax Collector that my property taxes were delinquent AND CLAIMS TO HAVE PAID MY TAXES. ( NO SUCH NOTICE OCCURRED BY THE XXXX TAX COLLECTOR- I contacted them and confirmed a. that NEVER were taxes late b. They stated they would n't send such a notice to the LENDER if they had been and XXXX Confirmed MY checks received ON TIME/check numbers -XXXX Tax Coll AFFIRMS pmnts were made on time and in full ) 2. Chase claims to have paid my property taxes that they claim were late. 3. Ensuing mortgage bills included impound charges and late fees- I continued to pay IN FULL, as always and without exception, my regular principle and interest payment in full, on time, every month ( I DID NOT PAY THE ADDITIONAL BALANCES CHASE STATED I OWED PER THEIR ERROR ). 4. Chase now claims that my account is in deficiency, has adversely reported to Credit bureaus, and threatens foreclosure. 
FACTS INDISPUTABLE : My credit is over XXXX, perfect, flawless. I CROSS VERIFIED /CONFIRMED with my bank and with the XXXX XXXX Tax Collector the XXXX 1. my taxes were never late and PAID IN FULL ON TIME copies of checks verified XXXX. 2. XXXX Tax Coll NEVER received pmnt from Chase as claimed by chase, 3.. there is NO surplus balance reflecing on my XXXX Tax bill ( source : XXXX Tax Coll ) reflecting double pmnt 4.. XXXX has verified MY CHECKS by check number as the pmnts received cross ref w my bank- XXXX NEVER received Chase check as chase alleges. 
CURRENT STATUS : 1. I have contacted chase at least 8+ times over 8+ weeks, most calls over 1hour+ and they have NOT resolved the problem or damage to my credit and account- although they have acknowledged the mess ( only more recently ) not fixed it, nor have the corrected my billing statements- 2. I continue to pay the CORRECT amount of principle/interest monthly payment in full and on time every month. 3. I am being damaged professionally and personally because I now have adverse credit- Including IMMEDIATE urgency to purchase/rent property transaction where credit check is part of qualification - due to my credit damage to this negligence by chase and poss fraud, my life is upside down. THEY ARE HORRIBLE, HAVE NOW ADMITTED FAULT BUT STILL ARE NOT CORRECTING THE ISSUE.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-26
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
The Law Office of XXXX XXXX, XXXX, applied for a Loan Modification for our client XXXX XXXX with Chase Bank. The Bank DENIED our request based on our client monthly income not considering that XXXX XXXX receives over {$5000.00} in rental income, which it was submitted to Chase but they refused to consider this rental income to approve him for a Loan Modification. We provided sufficient documentation to support XXXX XXXX financial stability to afford his mortgage payment and trustee payment. The amount estimated in the Debt to income ratio is not accurate provided by Chase. We request your assistance in disputing their denial and for further review of the Loan Modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I had XXXX federal loans with Navient Solutions, all which have different principal balances and interest rates as they were for the 4 years I was in college. As of XXXX XXXX, 2016, I refinanced my largest loan with Navient ( Loan XXXX for reference ). Per the statement on the website the balance to fulfill the loan obligation was $ XXXX. My new loan service, XXXX, paid $ XXXX to Navient, specifying the payment was only for loan XXXX. Following the funding of the loan, my statement showed a balance of - $ XXXX for loan XXXX. I called Navient and asked why there was a negative balance. I was told this was because the balance owed was really $ XXXX. I asked what the process was to get the $ XXXX back to XXXX as the re-financed loan with XXXX was at a higher interest rate. I was told by the Navient representative that they would write a check or wire the money to XXXX. Performing due diligence, I called XXXX to confirm their process. The process was confirmed by XXXX, and I was told that once the check or wire was received the $ XXXX would be deducted from my principle balance of the loan and I would be refunded the additional interest accrued at the higher principle balance. After 45 days ( I was told it would take XXXXXXXX days to process ) I called Navient. I was told by a representative that the $ XXXX was not sent to XXXX, as I had confirmed and requested in XXXX but rather applied the credit to the remaining XXXX loans serviced with Navient ( with different interest rates and balances ). Navient did this not only without my permission but also without any notification. I informed Navient I was very upset as the loan I wanted to apply the money to was a higher interest rate. I was not able to receive an explanation as to why Navient did this against my specific instructions. I pay every month on time, I have a perfect payment history ( all loans were in perfect standing at the time of being told a refund would be issued ). I performed everything to ensure this would not happen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-14
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
They are calling my employer and my work extension repeatedly every day rather than calling my mobile number. They are telling the receptionist personal information. I am trying to work with them, but this is harassment at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Due to a series of mistakes and/or misrepresentations made by Citibank employees in XXXX and XXXX, we were presented in XXXX XXXX with an unexpected balloon payment for our Home Equity Line of Credit ( HELOC ). Although we have been making the monthly payments on the HELOC, paying off the balloon payment would be a severe hardship. All we want, really, is the opportunity to continue making monthly payments. However, to date Citi 's employees have not found a way for us to do so. 

In XXXX, we got a HELOC with XXXX. It was set to have a balloon payment due after 15 years. That 's not the issue. The issue is what happened over the following 15 years. 
In XXXX, Citi bought the HELOC from XXXX, as well as our first mortgage from XXXX XXXX. In XXXX, we refinanced the first mortgage, with the understanding, from the Citi employee working with us ( XXXX XXXX, XXXXXXXXXXXX ) that the HELOC would be " replaced '' during the refinance. We were told that the terms of the " replaced '' HELOC would be 10 years as a credit line, followed by 20 years as a fixed-rate standard loan if any balance remained. 
However, contrary to what we were promised, the HELOC was not replaced in XXXX. Instead, it continued under the original XXXX terms. In XXXX, we refinanced our mortgage again. Again, we were told to " not worry about '' the HELOC. Again, it was left unchanged and remained under the initial XXXX terms. 
Someone at Citi failed to adjust ( " replace '' ) the HELOC under Citibank terms in both XXXX and XXXX. We would appreciate it if someone would investigate how it is possible ( allowable ) that our HELOC remained unchanged, and under XXXX terms, through XXXX Citibank refinance processes. 
In XXXX XXXX, we were told that we are in default on an unexpected balloon payment of {$68000.00}. This would be challenging to pay off under any circumstances, but, coincidentally, we are both currently unemployed. 
This interaction has become a comedy of errors and aggravation. We have dealt with at least a dozen Citi employees, none of whom appear to communicate with each other. Citi 's incoming telephone systems seem to be specifically designed to waste the customer 's time. 
Since XXXX XXXX, we have been attempting to work with the Recovery Department. We tried dealing with the " Executive Response '' team for a while, but were told that there was " nothing they could do '' and that they were the " top level of escalation ''. ( We sincerely hope that this is not the case! ) We could withdraw {$68000.00} from a retirement account ( with some tax penalties ), pay off the balloon payment, and move on. However, given that one or more Citibank employees is responsible for this problem occurring in the first place, we are still hoping that Citi can provide us with a better solution.

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 2020-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Bank of America closed my account ( their decision ). On XX/XX/2020, I paid the total amount due on the statement. This was significantly before the due date. On XX/XX/2020, B of A charged me {$35.00} for interest. I was told this was " residual interest '' from the date the statement was printed to the date the bill was paid. While this may be in the fine print of the cardholder agreement, I do not think it is reasonable, especially on an account they closed. If I pay the full amount due before the due date, the account should be paid up. I spoke to customer service, and to a supervisor, who both told me they could not resolve my issue.

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 2022-03-20
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
why does ROCKET MORTGAGE portal/website not reflect what im being told with rocket customer service ( 2 different awnsers, 2 different occasions ), plus adding a late charge.?? first payment due XX/XX/XXXX. paid XX/XX/XXXX. payment was applied to XXXX? and im told XXXX payment ( first payment due ) is now late because they applied it to XXXX. If this is correct they why does not this website/portal reflect this stating " first payment due XX/XX/XXXX ''. Rocket omitted error made twice. WHY ARE THE 2 DIFFERENT AWNSERS IM GIVIN NOT REFLECT WHAT ALL PAPERWORK AND WEBSITE STATE.??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have filed numerous disputes, and complaints wit TRANSUNION credit bureau, and have gotten no results. I am a victim of Identity thief, I have file a federal trade commission report, a XXXX XXXX police report, along with a copy of a letter from the united states Marshall services stating my personal information was breached.

I have also filed this same complaint and dispute with the other 2 major credit bureaus XXXX and XXXX and my file was corrected the results were the accounts were deleted. Its seems like Transunion refuses to abide by the FAIR CREDIT REPORTING ACT, AND THE FAIR DEBT COLLECTION ACT, and there laws and guidelines. These fraudulent and inaccurate accounts need to be removed as stated by statue 1621 B.

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 2016-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
EXCESSIVE and ABUSIVE FEES : We are customers of Bank of America and made a XXXX purchase yesterday at XXXX. We did n't have much of a balance in the account in the first place as it 's not our primary checking account. That said, we forgot to enter the transaction in our register last night, which caused our account to go into the negative XXXX. We would have gladly taken care of the issue this morning after checking our online accounts and when we did, realized that Bank of America charged us a {$35.00} NSF for a XXXX negative. I called and they refused to reverse the fee. Once I advised that I would be filing this complaint, I was escalated to a supervisor. I waiting an additional 20 minutes on-hold and was finally told they would not reverse the fee. I should also point out that Bank of America has excessive hold times when calling in, as they have failed to hire sufficient staff, to serve it 's customers.

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 2022-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I visited a XXXX car dealership in XXXX XXXX, NJ called XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX NJ XXXX ) on XX/XX/2022 and saw a XXXXXXXX XXXX. I've contacted them again in about 3 days and they told me the car I saw was already sold. They told me that if I want the car I'd have to come and make a deposit so I get the car in the next shipment. 
So I've visited them again on XX/XX/2022 and paid a {$5000.00} deposit and signed couple of papers for the car. I've been told that the car would arrive Friday, XX/XX/XXXX ( " in 3 days max '' was the exact words by the salesman ) the latest. I've followed up with them almost everyday until XX/XX/XXXX, the same answer I get was " it should be on the truck arriving today ''.

One thing I forgot to mention was that the VIN number put on the initial contract is different than the actual VIN number of the car I was supposed to get. When I said that to the salesman he said " Oh we will have to redo some paperwork to fix it don't worry ''! So I was sold a car that didn't even exist! 
On Thursday XX/XX/2022. I went to them and told them I don't want the car since they have been so irresponsible with the paperwork and the promised delivery time. They told me OK and they took my debit card ( the same card I paid the {$5000.00} with ) to accounting office and then gave it back to me and told me your refund should be issued in around 2 to 3 business days.

Now I'm writing this on XX/XX/2022, little over a month from the day I was told that the refund will be issued, and still I haven't received my refund. I've contacted them thousands time and I always get ditched. 
And to make things worse, I see a car loan with Capital One Bank in my name for a car I didn't even purchase!

Company response to consumer: Closed with explanation