BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-16
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card
Issue: Rewards

Complaint:
I am a XXXX XXXX XXXX ( XXXX ) credit card member and account holder and routinely receive promotional offers emailed to me. After receiving a few XXXX email offers for XXXX to XXXX bonus miles ( depending on the email ) I felt enticed enough to investigate my options and sign-up. 

Within the body of the email ( which one can view as a webpage as well- I elected to do so ) there are a few references to " provide your XXXX XXXX number when you call XXXX. '' Alternatively there are several other references to " click on a hyperlink [ to view all packages ] or call XXXX. " Wanting to thoroughly understand my options and obligations I elected to follow the " view all packages '' hyperlink. When following the hyperlinks as a consumer you are then exposed to alternate XXXX content. Specifically for the XXXX, within a few clicks I was presented with different phone numbers to call to sign up for XXXX ( e.g. through the XXXX site, XXXX site, XXXX site ). Unbeknownst to me, as XXXX explained when I inquired about my missing miles ), the number I eventually dialed after viewing all packages as advised by the promotional offer was for a retail vendor and " does n't qualify for mileage awards. " I find the promotion incredible deceptive and poorly managed. The links, content, and offer should have been self-contained. Instead I seamlessly clicked from one link to the next ( all from following the direction in the initial promotional email ). I had no way of knowing that I was suddenly working with a vendor/subsite that would n't make me eligible for the miles. 

When signing up the vendor apologized and said he was n't familiar with how to process the mileage credit and asked me to contact XXXX for clarification. Not thinking anything of it at the time, I called XXXX and they told me to take it up with XXXX. I was stuck in the middle and bounced inbetween both organizations before finally convincing XXXX to investigate the mater. More than 2 months later, after repeated phone calls, emails, to XXXX ( most without XXXX acknowledgement or follow-up ) I was notified I would n't be getting the bonus miles. The reason - " your account was n't eligible for the promotion because your order was placed with a retail vendor and it does not qualify for Mileage awards '' - a vendor I engaged by following the promotional content emailed to me by XXXX. 
I 'm now without my mileage bonus. Stuck in a 2 year contract with XXXX. Paying more for similar services I had before ( TV, internet ). And had a credit hit against me for the sign-up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: LEXISNEXIS
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX  IS SHOWING A BANKRUPTCY ON MY CREDIT REPORT THAT IS NOT ACCURATE, THEY STATED THAT THEY RECEIVED THE INFORMATION FROM LEXIS NEXIS. I HAVE A STATEMENT FROM LEXIS NEXIS STATING THAT LEXIS NEXIS REMOVED THE BANKRUPTCY AND XXXX  NEEDS TO DO THE SAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
in the year of XXXX Mr cooper reached out to me and asked if I was impacted by pandemic I said yes, they advised me that I can go into a forbearance and the payments would go to back of the loan and payments would resume, in XX/XX/XXXX my forbearance expired, to my surprise my loans weren't placed to the back of loan but were all due upfront, they advised me to apply for a loan modification. I applied for a loan modification in XX/XX/XXXX, I was denied for a loan modification 2 weeks later which would have been the end of XX/XX/XXXX, the reason provided was income NPV. I appealed my denial per the instructions and advised the lender my finance situation improved. I sent over updated financial information on XX/XX/XXXX. I was denied on XX/XX/XXXX, which is less than 1 week of submission, citing Income NPV, I looked at the income which was not at all the income I sent over to the lender, hence the lender didn't use my correct income. and my application was not reviewed as it should per their letter and website it takes 30 days to review a loan modification. I didn't received a dedicated loan specialist per their agreement, I wasn't provided with the NPV calculation per the California home protection act, they have blocked the ability for me to receive government help to pay past due amounts, they haven't returned any of my calls or replied to my faxes. I appealed their 2nd denial on XX/XX/XXXX, and again on XX/XX/XXXX. I haven't received any calls of acknowledgement from this place, I am afraid they are plotting to steal my house due to my age I am XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Regarding : escrowformal complaintmortgage administration errorslack of responseIgnoring and breaking laws XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX among othersRequested company guidelines for conventional loans, deniedReceive unsigned documents that do not respond to specific questionsGiven incorrect informationCustomer service is rude, obstinate and offers hyperboleSends collection notices and calls when loan is paid in advanceDose not provide interest charged, unpaid principle balanceMisapplies payments and addition principle paymentsReferred me to wrong Federal agenciesQuotes laws that do not existShuffled from department to department for monthsWould not give correct name of Company to establish registered agentWould not provide registered agent info for the State of GeorgiaWill not follow terms of noteProvides written answers that conflictInterest not calculated correctly for addition principle paymentsImproper address for letters or letters ignoredRefuses to apply daily per diem to additional paymentsWill not provide statements that reflect interest charged or calculation method i.e. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
XXXX, XXXX, XXXX, has a Santander Consumer Auto Loan that is showing up on my credit report that is not me. I spoke to Santander today at there Credit Dispute Office and they confirmed that this auto loan is not me and that I never had a loan with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
found out that over the past 2 years literally XXXX payment has had even just a little bit applied to the principle balance. over XXXX paid and only XXXX paid on principle. I currently owe more that i loaned for and more than the car is worth. auto lender- SANTANDER .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
As we all know what is going on in XXXX and how XXXX people are suffering due to XXXX aggression against XXXX. Governments and people around the world are trying to help XXXX people in need who were forced to flee their houses and their cities, leaving everything behind. Same happened with my friend and his family of XXXX kids, who had to flee XXXX and move his family to XXXX part of XXXX for safety. On XX/XX/XXXX I sent a wire transfer from my Wells Fargo personal savings account to his account with XXXX XXXX XXXXXXXX XXXX  located in XXXX XXXX, just to ease their suffering. Wells Fargo happily charged my account {$45.00} for wire transfer fee. Original funds delivery date was on XX/XX/XXXX. Until this date XX/XX/XXXX funds weren't delivered to beneficiary or returned to my account. After numerous calls to Wells Fargo Bank and spending multiple hours on the phone, being transferred from one department to another still no resolution. Received multiple case numbers.. Case Number : XXXX, XXXX, XXXX. Spoke with numerous Wells Fargo 's reps : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX. Responses varied from : money will be delivered tomorrow, in couple days and final excuse... wire was stopped due to XXXXrelated Sanctions! XXXX! 
There are no sanctions against XXXX!!!! Sanctions against XXXX due to XXXX aggression against XXXX!! 

This can be checked easily be visiting treasury.gov website. This link is for Wells Fargo so called " investigators '' XXXX XXXX XXXX Wire wasn't sent to XXXX or XXXX  person!! 
I'm utterly disappointed with Wells Fargo Bank and their apathy to people 's suffering.

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 2017-03-13
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Crown Asset Management , LLC - XXXX, Georgia XXXX Violated the " Fair Debt Collection Practices Act '', ( 1 ) By purchasing a former Creditor 's Debt, that originated with XXXX XXXX & trying to Collect their " Own Debt ''. ( 2 ) Seeking Interest & Fee 's without a " Contract ''. I had written a letter of dispute to Crown Asset Management & their acting Attorney 's - XXXX - XXXX, Fl. XXXX. But they have chosen to have me appear on a Summons for alleged Debt, without good cause. I signed " No '' written Contract or agreed to any terms or conditions with any Collection Agency, such as Crown Asset Management LLC. I wrote my letter in my dispute. " I conditionally consent upon proof of claim & upon proof of cause. If you can provide a signed Lawful Contract with equal consideration ; Full disclosure & Lawful terms & conditions of the Alleged Debt to " Crown Asset Management , LLC. That I signed a contract or obligated to pay any, or all of the alleged claimed funds Crown Asset Management. I am under " No '' Legal Obigation to any collection Agencies & my written contract was with XXXX XXXX. Neither Parties responded to my Request, because they knew, all too well, they could n't. Now I must defend myself in Court of Law & being the Victim of mischievous & unfair practices by these parties. I am asking for Fair Justice & to investigate this serious Matter & prevent such Activity from occurring in the future with other poor Victims. Respectfully Submitted

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: SLM CORPORATION
State: CO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I called Sallie Mae to see if they could offer me some sort of loan modification because my student loan payments are too high and I ca n't afford them and the only option that they gave me was forbearance. I do n't want to do forbearance, I want my monthly payment to be affordable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Our home, had its roof torn off by a tornado on XX/XX/XXXX. My wife and I plus our XXXX dogs ( as well as other residents of the XXXX affected condominium buildings XXXX were evacuated by the police and fire department. We were briefed at XXXX about the situation and sought out temporary shelter for the night. We escaped with just the clothes on our backs. We had insurance for just such a disaster and found shelter. I notified our insurance company of the evacuation that night to start the process of getting a claim number. I notified Chase Mortgage, our mortgage holder, of the situation the next day at the open of the business day to let them know of the situation. I was told by the people at Chase Mortgage that we might be eligible for some type of relief, but that the mortgage would still be due on a timely basis. Aside from no roof being on our condominium, it was discovered that ASBESTOS contaminated the condominium. With the still frequent rains, mold started to grow on the exposed walls, and at one point, for a few days, the buildings were in danger of flooding. Right now, as of Monday, XX/XX/XXXX, we can not live in our condominium, but I have continued to pay my mortgage at the same interest rate as when my wife and I first purchased our condominium. So it seems I am paying for a residence in which we can not occupy, we are rebuilding our home, we lost everything, but Chase Mortgage has not given any relief to us nor offered any help in the rebuilding. Something seems very wrong about that situation. It may be that our home may not be inhabitable until after the first XX/XX/XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02
Company: JPMORGAN CHASE & CO.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My vehicle was financed through Chase Auto Finance and when the contract ended, I received my final statement that indicated I owed {$2300.00}. This was my last scheduled payment and the payment coupon stated that the due date was XXXX XXXX, XXXX. However, I received a letter that was dated XXXX XXXX, XXXX from Chase stating that I owed a balance of {$5300.00}. The letter stated that if I called Chase would be willing to settle the account. I called and spoke to a collection representative, explaining that I did not owe {$5300.00}. In addition, I informed the representative that I received my last payment coupon and it stated that I owed {$2300.00}. The representative was not willing to listen and said I had to pay the balance that was in the letter. I informed the representative that I was only going to pay what my payment coupon stated. On XXXX XXXX, XXXX, I made a payment of {$1000.00} and on XXXX XXXX, XXXX I made a payment of {$300.00}. I only owe Chase Auto Finance {$1000.00}. On XXXX XXXX, XXXX, I received a phone call from the National Recovery Department of Chase Auto Finance. The representative was very aggressive and curt while stating that Chase has been waiting for me to pay them the money I owe. I explained the entire situation to the representative and stated that I only owe {$1000.00} and nothing more. I also informed the representative that I had hired a credit attorney and the representative became sarcastic and said they have never heard from an attorney if I have one. The representative wanted my attorney 's number and I informed the representative the my attorney would contact him.Upon hearing my response, the representative became combative and began to harass me, which is illegal. I then disconnected the call. Chase Auto Finance has poor customer service and very rude and disrespectful collection representatives. Chase was recently involved in a class action suit based on harassment and Chase lost. Furthermore, I was included in the lawsuit and received a check from Chase Auto Finance for its wrong doing. I am very upset by this entire ordeal because Chase Auto Finance is negatively affecting my credit report with its false debt amount. I want this false debt amount removed from all of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Delinquent account

Complaint:
This refers to a credit card agreement with Chase ( Visa # XXXX XXXX XXXX XXXX ) on which I defaulted some time in XX/XX/XXXX. Since then, I have not been able to make any payments on that credit card. My account was closed and charged-off in XX/XX/XXXX. In XXXX XXXX, Chase forgave this debt, and issued a XXXX C form confirming cancellation of the debt. The form indicates that my debt was cancelled pursuant to a decision or policy to discontinue its collection. 

Despite cancellation of this debt, Chase continues to report to credit reporting agencies the total amount of indebtedness as still outstanding. My understanding is that if a debt is forgiven, it can no longer still be owed. In fact, when completing income tax return, I was required to report as income the forgiven debt amount. 

In recent weeks, I have made an inquiry with Chase and requested that they correct the content of their report to the credit agencies to include the fact that the debt has been cancelled and is no longer outstanding. I even provided them with a copy of the XXXX XXXX To my confusion, they responded that the total indebtedness is still outstanding

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: CITIBANK, N.A.
State: CA
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:
Due to different accounts with different interest rates, I know that lower rates are available. The customer service rep insisted that I have the lowest rate, which is a lie.

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: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I tried to make a wig purchase on XXXX website which uses Pay Pal to collect payments. My transaction was declined on 3 different sites who all use paypal to collect the funds. I called Paypal and was told I had to use another form of payment. I have never had any fraud issue with paypal or any of my cards. I did have one issue where I contacted the credit card company for a dispute with a merchant who also used paypal. So I believe paypal is trying to force me to use a debit card where once your money is taken if there is a dispute the bank will do nothing but tell you that you gave them the debit card number. I believe they will not let me use any credit cards because if there is a dispute the credit card company will snatch the money back until the issue is resolved. Paypal accepts credit cards it says it on their site. So I should not have to use a debit card and they continue to keep rejecting my brand new credit card. Not only that I was just ripped off by a paypal vendor using my bank card. PayPal did absolutely nothing and I sent them all the details and facts I never received my money back from the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX agency complaint of online and written correspondence disputing account inaccuracy ; they willNOT update or remove fraud accounts and Identity theft. FOR EX : XXXX XXXX is in dispute ( loan discharge ) due to identity theft, also, reported to FTC. Showing debt to income ratio error. All accounts are individualized and old accounts discharged by chapter XXXX and not reported correctly. Only have 2 open credit accounts at this time, but my report shows accounts not mine. Denial of credit due to fraud, account inaccuracy and identity theft. Online access denied report number XXXX XXXX XXXX XXXX XX/XX/XXXX2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: Experian Information Solutions Inc.
State: CA
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 {$0.00}, {$74.00}, {$0.00}. 
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 outlining 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, XXXX XXXX, and pursue legal action. 

-- COLLECTION ACCOUNTS XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$74.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -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 2020-03-05
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have been enrolled in PSLF for about 10 years. When Fed Loans acquired my loans from my servicer, there were 21 months of payments that were not credited. I have been enrolled in autodebit payments from my bank account and have called, emailed and corresponded with FedLoans over the years with no resolution of the issue. I have been told the update would occur, but it would take a few months. Each time I contact them, I am told to call back in a few more months, that the agent on my case has since moved on, or that the case has likely been resolved according to their notes and the count has been updated. This has dragged on over the past 4 years. I have attached my correspondence and notes over the years with the attachments.

Company response to consumer: Closed with explanation