BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-04
Company: JPMORGAN CHASE & CO.
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Good Morning, Thank you for your consideration and response. 

I have spoken to my attorney and he has informed me that we are no longer in litigation at this moment. Please revisit our case/complaint for questionable business practices by JP Morgan Chase pertaining to our request for a home loan modification that has been going on for 6 years now. 

Thank you again for looking into our case. 

Kind Regards, XXXX XXXX XXXX XXXX From : Consumer Financial Protection Bureau [ mailto : XXXXXXXXXXXX ] Sent : Tuesday, XXXX XXXX, 2016 XXXX To : XXXXXXXXXXXX Subject : Your submission, [ Case number : XXXX ] Subject : Your submission, number XXXX We reviewed the complaint you submitted and sent it to the company for a response. 

The company was unable to respond to your complaint because it appears you 're involved in pending or prior litigation about the same issues raised in the complaint. No further action will be taken on your complaint. 

What happens now? 

We entered the information you provided into the XXXX XXXX XXXX, a secure online database operated by the Federal Trade Commission. Civil and criminal law enforcement authorities worldwide, including Consumer Financial Protection Bureau investigators, use the XXXX XXXX XXXX to identify questionable business practices that may lead to investigations and prosecutions. 

Can I hire my own lawyer to look into this? 

Yes. While we ca n't give legal advice or represent individuals in legal matters, if you want more help you can contact a private attorney or your local legal aid office for free or low-cost legal resources at XXXX. 

Is that it? 

Your complaint helps us identify trends and problems in the marketplace and understand the challenges people are facing so we can do a better job looking for these problems when we supervise companies, enforce Federal consumer financial laws, and write rules and regulations. 



Thank you, Consumer Financial Protection Bureau XXXX ( XXXX ) XXXX ( XXXX ) AR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XXXX 2016 30 days past due as of XXXX 2016, XXXX 2016, XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2021-10-18
Company: EQUIFAX, INC.
State: OK
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: JPMORGAN CHASE & CO.
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Dear CFBP, Chase Bank has been abusing me as a customer. They have failed to account for my mortgage payments correctly. Chase lists that I have paid {$2900.00} to my principle but my average principle payment per month is about {$500.00} so this figure should be {$6000.00}. Also, Chase has mismanaged my mortgage banking records since XX/XX/XXXX and it has taken me over XXXX calls and XXXX emails and faxes to get my basic mortgage accounting records added up correctly. This faulty accounting and mismanagement of my mortgage payments is illegal. 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Transaction issue

Complaint:
I obtain a car rental in XXXX XXXX from XXXX. I pay for the rental via my Chase credit card. The transaction was processed in US dollars instead of XXXX using XXXX XXXX XXXX. This was done without my approval or knowledge. I did not sign anything authorizing the merchant 's made up inflated exchange rate. I wanted the transaction converted via the XXXX network, as specified in my cardmember agreement with Chase, and I was n't given the change to express my choice. I disputed the charge with Chase, and I 'm being told that because the transaction occured by chip, and not swipe, my signature is not required to uphold the charge. The merchant violated XXXX International rules and Chase refuses to process a chargeback to the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: PNC Bank N.A.
State: WI
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 account shows that it was charged off, I believe this occurred while I was unemployed and wasn't receiving benefits which I did explain to them when it was happening. Nevertheless, I am finally able to settle the account and would do so if they remove the blemish from my credit report. They informed me on XXXX at approx. XXXX XXXX  CT they can not do that but did acknowledge they are responsible for the credit reporting note. 

They originated the account and hold the debt but said they are unable to negotiate any settlement. But I still have a blemish and no means of removing the mark from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid this credit card off months ago. When I had originally applied there as no annual fee. I never received a bill, email or phone call asking me for the {$39.00} annual fee. They are now charging me 2 late fees @ {$40.00} each for an annual fee, not a purchase of any kind. So my total due is no {$100.00} and the min fee is {$99.00}, thats almost the entire bill. I attempted to call their customer service stating I would pay the annual fee immediately, yet I believed it only descent to discard the late fees. They would stated no. 

Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-19
Company: EQUIFAX, INC.
State: LA
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:
I recently filed a dispute regarding the inaccuracy of this account and they responded but not directly to my dispute. i filed a Chapter XXXX bankruptcy in 2018 a Relief of Stay and a motion of Relief was ordered by the Bankruptcy Court and XXXX  XXXX was ordered to pick up the vehicle and instructed to sell the vehicle or whatever they do with it and I be held responsible for the left over balance and that did not happen. XXXX XXXX is holding me responsible for the full balance of this vehicle when they allowed a 3rd party to repossess the vehicle then XXXX XXXX did not pick the vehicle up from the yard even after someone called them and told them the car was there. XXXX has phone records showing where they advised the Yard owner to keep the vehicle and he did, now they are charging me. The vehicle was not in my possession nor my responsibility after the courts ruling. 

SEE ATTACHED RELIEF OF STAY AND MOTION TO RELIEF

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX, I received an email from XXXX/XXXX  which said that, if I apply for the XXXX XXXX XXXX by XX/XX/XXXX, I  would get XXXX bonus award miles after spending {$2000.00} on purchases in the first three months the account is open and a {$0.00} Intro Annual Fee for the first year. On XX/XX/XXXX, I applied and received confirmation that my new card was on the way ( attached ). I spent more than {$3000.00} within the first month of opening the account, more than qualifying for the XXXX rewards miles, but XXXX/XXXX  only awarded me XXXX miles, not the XXXX promised in the email. I have called XXXX/XXXX about this issue twice, and they have told me that I did not sign up for the XXXX mile offer, but for a different offer that awarded XXXX miles after spending {$1000.00}. I do not even remember receiving that offer. My understanding from the XXXX XXXX email was that, as long as I ( a ) applied with my rewards number by XXXX XXXX, and ( b ) spent {$2000.00} then I would receive the XXXX miles. I did both A and B, but they are now refusing to honor the XXXX miles promised in the promotional email. XXXX/XXXX says that I am trying to " change the offer I signed up for and that offer is now expired '', but I am not trying to change my offer. I am trying to get them to honor what they promised in the XXXX XXXX email. I thought that is what I would receive when I signed up and spent {$2000.00}, which is why I saved the email. By sending the XXXX XXXX email that it now refuses to honor, XXXX/XXXX made an unfair representation that mislead me, a reasonable consumer, into signing up for their card and spending my money with them. I have called XXXX/XXXX three times about this issue and they have told me they do not have the power to grant my request, even though it is what they promised in the promotional email to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On Friday XX/XX/21 I received notification from XXXX of a hard inquiry from Bank of America. I immediately called XXXX and was redirected to Bank of America. I called the bank and the representative was unable to verify based off security questions so I was sent into a branch. The branch did not see anything and I was told not to worry. This morning I received an email from Bank of America the denial and reference number # XXXX. I then contacted XXXX who has since placed a file lock on my account and I was told I had to file a report in order to have the inquiry removed from my report. I have been unsuccessful with Bank of America with speaking to an agent and it is very frustrating.

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 2021-10-18
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:
Why I see this negative information on my account? I didn't applied for this. I think someone used my personal information. What should I do with it? My credit report looks so bad now!

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 2021-10-18
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I have been submitting paperwork to the bureaus regarding fraudulent account and information on my credit report with little success. I am asking that you please remove the fraudulent accounts!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
All bureaus listed on the FTC website remain and non-compliance status with several complaints previously filed. They repeatedly take longer than 30 days without a reasonable explanation and they are not carbon copying the consumer as required by law. When they do carbon copy the consumer they were openly refused to comply and violate the fcra repeatedly by playing this match the database and push Buttons game with people. You never volunteer information any information for my driver 's license is out of state so I don't want to hear the XXXX  XXXX. Would you like to see the storage receipt that my father had to pay last month?

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 2021-10-18
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 I made a deposit to my Wells Fargo Checking account. 
I have made multiple deposits from one bank account I have at a local credit union to another bank account that I have at Wells Fargo Bank. Usually the amounts are XXXX at a time. This time I deposited XXXX. For the first time, Wells Fargo decided to put a hold on the funds available for any amount over {$5000.00} for 10 days. 

This has resulted in additional fees and interest. It continues to cause additional interest due and has tied up my funds from being used elsewhere as this is still not resolved yet. 

The check was deposited from a local credit union that is serviced by the same Federal Reserve clearing house, the one in XXXX, Federal Reserve number XXXX. 

I have documentation that the check cleared my credit union account on XX/XX/2021. 

Wells Fargo continues to hold back availability of funds in my checking account. I have talked to 4 bankers and all 4 say that they do not have the authority to remove the hold. 

I thought banks were not lawfully able to hold funds on checks that have already cleared my other financial institution that is part of the same federal reserve. It seems that this hold is excessive and outside of the normal hold guidelines. 

Please advise. I would like them to pay punitive damages if they are out of line. 
This is ridiculous. 


I can provide documentation if needed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We live in Florida. We were under a trial payment plan for modification of our chase loan. We paid on time than our house burnt. we missed XXXX payment of course for additional housing until The Insurance company paid which they since have. We want to rebuild and move back in but the chase mortgage says no to our loan modification. we really want to keep this house through our mortgage .The chase has our insurance payment of {$80000.00} in a restricted escrow. They told us there was not enough income. we have {$7000.00} saved from our insurance settlement to modify this loan. It does not make sense to leave a burnt house standing when we could rebuild and live in there again. They gave us XXXX options to short sale or turn over keys. We really want to save this house for we will end up with nothing because of a fire.I am going to write an appeals letter and retry again. I am very distraught as to where we are going with all our pets. we have a temporary housing but it is impossible to buy anything else. how can you advise as to how to save our home.? we have little time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. experian paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have four negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. experian is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-10-18
Company: Statebridge Company
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
i took out a second loan in XXXX for XXXX with XXXX XXXX the company went bankrupt and i had made payment up until tie company went under in XXXX never heard anything again until this year someone showed up at my foot saying i defaulted and wanted me to pay {$130000.00} and they were threatening to foreclose on my home and have been threatening me harassing me and stressing me out I do not agree with this and the amount they are trying to collect please help me it does not show on my credit and has not it also my first mortgage has no knowledge of this and say they are they only leon holders

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: John C. Heath, Attorney at Law, PLLC
State: WI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I received several voice mails regarding a debt I owed. I ignored them because I do n't have any debt. Anything outstanding was discharged in bankruptcy several years ago. Today I received a call from a man stating I had an outstanding debt with XXXX and they were going to take me to court over it. He then asked me to forward him to our payroll department. When I declined he said he would be faxing them. I asked for his name and the name of his company and to send any debt information to by mail. He declined. He hung up. I called back and spoke with a XXXX XXXX. I again asked for the name of the company. I was told Lexington Law XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. XXXX would not send me any information on this debt either. He told me the debt was for XXXX. I told him I did not owe any debt and among other things he called me a " deadbeat debtor ''. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please be advised that CMRE is attempting to collect the alleged debt listed on my credit report. I previously requested verification of debt and I did not receive any proof that this account belongs to me. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that CMRE absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 

Enclosed I am re-sending an Identity Theft Victims Complaint and Affidavit supporting my position, and a a copy of a Utility Bill to prove my residency during the time the disputed account was opened. As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Victims Complaint and Affidavit, you are required to cease furnishing the information resulting from identity theft to any CRA. 

The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Please close the account, remove the account from my credit report and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: JPMORGAN CHASE & CO.
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation