BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-20
Company: Lockhart, Morris & Montgomery Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
this company did NOT act appropriately as authorized by contract of law. 

this derogatory account/ report appeared on my credit bureau reports with XXXX  and XXXX credit bureaus in XX/XX/2019. I repeatedly requested verification of debt with a signature and was informed I must contact the collection agency as they did not maintain files of each customer. Each time I received a letter that the creditor had " updated '' my file. Before doing this I noticed that the original creditor was XXXX XXXX Hospital, wrongly I assumed it was XXXX  Florida. 

The original creditor was listed as XXXX XXXX Hospital and Lockhart Morris Montgomery account XXXX as the collection agency on these credit bureau reports In Florida the major governing medical billing agency is XXXX, they do in house billing. I called XXXX XXXX Hospital, XXXX, Fl. and they had no record of me owing this amount for the date of XXXX XXXX as listed by the collection agency. I called XXXX. They had no record of this amount for this date of service. 
I wrote a letter to Lockhart, Morris an Montgomery requesting A SIGNED CONTRACT, either between them and the hospital or myself and the hospital. They sent me a statement from XXXX XXXX Hospital, XXXX, GA showing the medicines and services I allegedly received, with a XXXX BALANCE OWED. The amount of {$260.00}. was no where indicated. Are they allowed to have access to medical records/emergency room medicines of any one? 

Additionally, this has severely damaged my credit and any attempts to obtain credit. 

I have tried to resolve this on my own for 6 months. Now, I need your help. 

Are they legal and reputable, or as their Texas XXXX XXXX XXXX  file indicates, ( with 79 complaints ) they are not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was doing a loan modification and was told not to make any payments. During this time, the bill became so high that there was no way to pay over {$150000.00} on past due payments. I finally got it completed, did my three ( 3 ) trial payments and then was sent new loan docs. I signed and sent back to Chase bank. During the time the docs were sent back, the loan was transferred to another servicing agency called XXXX XXXX XXXX. They knew of the status and kept pushing back the sale date since we were both waiting to have Chase upload the docs and then get them to them and then I can start making my payments. Roughly 5 or 6 months go by and I call in as usual expecting the sale date to be postponed once again and this time was told that it is to late and Chase told them to foreclose. This was 3 days before the sale date and they did this knowing I could not pay over {$150000.00} to get current or time to get an attorney to file anything to stop it. So myself and my XXXX children were kicked out of our home. They also mis-calculated my property taxes and then added more taxes onto the original note.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Chase added an authorized user to my credit card account by the name of " XXXX XXXX ''. The authorized user was added out of XXXX. The credit card was to be shipped to XXXX without my consent. Chase failed to contact me to confirm this was accurate and successfully added this user that i do not know.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
JP Morgan Chase Bank was slow to process the refinance loan, requested more information, and then charged a $ XXXX fee in order to secure the promised rate after the lock-up expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: Nelnet, Inc.
State: LA
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:
Contract was cancelled " NO CONTRACT '' Showing up on My credit report as Account Transferred, Sold, or Purchased by another lender Paid. This should not be showing up on my report if Nelnet Loan Services is no longer servicing the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Home Point Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
What is the reason you have closed my complaint # XXXX? 
I indicated that I was not satisfied with the response. They have only made things worse so far. 

Please review my notes and comments and responses. 

One department at Home Point is telling me the reason the taxes weren't paid is because they were not on the settlement statement and that upon running an escrow analysis they found there is a shortfall in the escrow account. 

Another department sent me a refund check for what I paid in taxes. However they indicate there is a shortfall in the account so why would they send me a check if there is a shortfall? 

Additionally the escrow analysis seems to have errors. But no one seems to be able to address this with me. I need someone to get my account straightened out. This is ridiculous.

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

Complaint:
The Chase credit card company kept charging me late fees for months even though my payments were on auto pay. They continuously kept charging me a purchase fee as well. I was not aware of all these charges until recently, like two months ago. They continued charging without me even knowing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I made a wire transfer using my Chase account online. Chase then suspended my account as they thought the transfer was fraud ( it was n't ) I contacted Chase to unsuspend the account, who then asked me what my ex girlfriends DOB is. We dated back in 2009?!?! 

Now Chase wants me to waste {$1500.00} on a plane ticket to unsuspend the account. Ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
XXXX doesn't offer an option for consumer disclosure and has a fine print of " The XXXX solution is not provided by a consumer reporting agency and does not constitute a consumer report as these terms are defined by the Fair Credit Reporting Act. 15 U.S.C Section 1651 et seq ( " FCRA '' ) '' Meanwhile, they have categories on the report which relate to assets and creditworthiness.

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 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
15 USC 1666b ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by Section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2017-02-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Because I calculated my credit card payment thinking that a refund had been processed and not having the ability to check because the Chase Card website was too busy to log me in, my monthly payment was under {$2.00} less than the minimum payment due. This resulted in multiple calls EVERY day, ALL hours of the day. Even holidays ( this is XXXX and XXXX time ) and Sundays, the calls started early in the morning and never ceased. I was already charged the fee and my credit line was decreased. There was no need to continue with the calls. I have screenshots from my phone from XXXX/XXXX/2017 and XXXX/XXXX/2017 but the reality is that this went on for weeks. I should have taken many more screenshots.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-15
Company: HYUNDAI CAPITAL AMERICA
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have contacted KIA at least seven times since XX/XX/2021 asking for them to send my title for my paid off car loan. I need to register my car in XXXX so that I can legally drive it. They have not sent the title after numerous requests and several hours on the phone with their customer service department. They claim to have mailed it on XX/XX/2021 but were not able to provide any sort of tracking number for the mailing. I have provided my XXXX account number and asked for them to send the title, to no avail. I need to have my car registered so that I can legally drive it. My car is used as transportation for my XXXX treatments. I am unable to take public transportation and have no other access to transportation. This has caused undue hardship and stress. I don't think that I am asking for something unreasonable. I have been treated horribly by Kia customer service over something that should be a quick and routine process. Please provide assistance if possible. Thank you in advance.

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 2016-04-07
Company: JPMORGAN CHASE & CO.
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XXXX, 2015 I was approached by the mortgage division of a bank about refinancing my mortgage. I was told that there would be absolutely no cost to me., which on paper seemed to be true. However the day before the closing I was informed by mail and by phone that because my previous mortgage holder had not not maintained the escrow account properly and the amount of the refinance would be {$3000.00} more than what I owed on my house. I had my suspicions that the refi was no longer at no cost, possibly an instance of bait and switch. I wish I had not proceeded with the refinance but I went ahead with it, as it was still going to save me what to me was a significant amount of money. 
Two or three weeks ago now I received notice from the lender that my escrow account was short of funds again in the amount of almost another {$1000.00}. This is going to raise my monthly payment by an amount almost equal to what I saved by refinancing. Now I am convinced that something is not right and perhaps fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Financial Asset Management Systems ( FAMS ) has kept my credit cards on file even after repeatedly telling them that I do not consent to them keeping my information on file. FAMS is engaging in illegal and deceptive tactics in flagrant violation of the Fair Debt Collection Practices Act. I never consented to allow FAMS to keep any card information on file, and even after repeatedly asking them to remove the information they have not done so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: CITIBANK, N.A.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
So I started working with Citi over a year ago, as detailed in another complaint. After extensive back and forth where they asked for my paystubs and bills, they eventually decided that they would not help me refinance. They have said they pre-approved me for short-sale, but wo n't help me stay in my house. 

This seems such a waste to me. I finished my XXXX, have a good job which would let me pay my mortgage ( I make XXXX/year doing regulatory compliance ), and rather than work with me to get out of foreclosure, so I can keep my house, and pay my mortgage, they insist I leave. To sell the house, I would have to get Title V approval, and possibly build a new septic system. Why I would invest more money into a house that I am just going to have to leave is beyond me. 

I do n't really want to declare bankruptcy and see if a bankruptcy judge would approve a new mortgage plan. I do n't want to invest further in a house I ca n't keep. It just seems such a waste. Sure, to refinance they would probably have to write some of the debt off, as I am already underwater, but that money is gone if they foreclose anyway. I honestly do n't know what else to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: CITIBANK, N.A.
State: MA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I opened a Citigold checking account XX/XX/2016 with the targeted XXXX code for XXXX XXXX XXXX miles. The promotion required {$1000.00} in debit card purchases and 2 consecutive months of bills paid online. I fulfilled these requirements in XX/XX/XXXX, and was told that I would receive my miles in my account by XX/XX/XXXX. I received written confirmation via live chat that I was qualified and eligible, and also have the results of an investigation that confirmed I was eligible. I was told both times that I would receive the miles within 90 days of my last qualifying purchase ( in XX/XX/XXXX ). However, it is past when I should have received them and I am being told that I there is yet another review going on to see if I am eligible. In the meantime, I have been charged service fees twice while waiting.

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 2021-06-15
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I request a credit freeze/block/pin for XXXX, XXXX, XXXX  and Lexis Nexis.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: EQUIFAX, INC.
State: AZ
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: Genesis Lending
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I took out a Genesis loan to cover my last semester of my XXXX degree with XXXX University. I do not currently have a job and keep telling Genesis that but they continue to call me daily, badgering me to pay my loan. It is very annoying.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I request a credit freeze/block/pin for Transunion, XXXX, XXXX  and XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-15
Company: Mutual Management Services LLC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have not been notified of this collection, I have never received a message nor have they provided me with any proof that I owe them, this collection that appears in my credit report affects me directly since it damages my score and my credit history, I consider this a violation since they have not contacted me and only uploaded it to my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: CAINE & WEINER COMPANY, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have attempted to resolve this account with the creditor directly because this isn't a balance that is owed. Creditor sold this to Caine & Weiner which is not a balance that is owed. The account was closed at XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: Louisiana Recovery Services Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter for Louisiana Recovery Services , Inc. in reference to a debt from a company called XXXX XXXX XXXX in the amount of {$260.00} with a date of XXXX/XXXX/2005. I have tried communicating with them to provide me with a copy of this bill ( 3 attempts ). I have XXXX over due medical bills with them which I have agreed to pay but they refuse to provide me with a receipt showing payment. The company is as follows : Louisiana Recover Services, IncXXXX XXXX XXXX, XXXX XXXX, LA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: Genesis Lending
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I went to XXXX in XXXX, Ca. I believe I have Genesis loans from XXXX Colleges and would like to know if they were included in the CFPB settlement.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX XXXX, I could no longer pay my XXXX. In XXXX XXXX, started process towardsshort sales. In XXXX XXXX signed a contract and closedthe short sale on XXXX XXXX, XXXX. Both mortgageswere satisfied at the closing on XXXX XXXX, XXXX. 
( see attached HUD ) Since the closing, I have receivedendless harassing phone calls and constant collectionnotices from Chase Mortgage, as well as, outsideagencies. ( see attached notices from XXXX throughpresent ) There were probably prior collection lettersbut it was only after pulling my credit in XXXX XXXX ( see attached XXXX credit reports verifying paid account ) and verifying that account was satisfied, that I startedkeeping the notices. Some collection notices weresent XXXX overnight with a return overnight envelopeto make a payment. ( those are attached to the letters ) As a financial housing counselor, I found this behaviorto be harassing, degrading, unprofessional, andunethical practices that lead to the violating of theFair Debt Collection Act, as well as, the Fair CreditReporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION TO PLUSFOUR INC I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1000.00} does not belong to me. This account was fraudulently opened through this company PLUSFOUR INC in XX/XX/XXXX an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire AN ACCOUNT. I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve 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 explanation