BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
To Whom It Might Concern, This is XXXX XXXX XXXX and XXXX XXXX, we are owner of our home at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. We have been divorced and still in contact to care of our children. Judge granted the above address to mainly be XXXX XXXX 's home. We have contacted CHASE quite a while ago to give us a final amount as a XXXX time settlement because we pay CHASE monthly ( {$400.00} USD ) and the payment does not go into the principal or affect the principal, and the principal is {$160000.00}. We are asking for {$5000.00} as a XXXX time payment. We have paid CHASE this monthly amount for more than XXXX years. We originally took out the amount for my XXXX 's and basic house renovating due to old age. I ( XXXX XXXX ) plan to petition for Bankruptcy Chapter XXXX because I am in financial trouble, XXXX XXXX is also having his severe financial burden, I do not know what the destiny of this Home Equity Line of Credit loan because it has both of our names. I also have to pay XXXX XXXX XXXX mortgage as our XXXX loan monthly of {$1400.00}, The principal balance is {$180000.00}. I have been making payment on time because I fear I might loose my ( XXXX XXXX ) only home if I skip the payment and also I want to keep the integrity of my promissory note. The monthly payment is from borrowing and I am running out of place/people to borrow. I professionally seek to have a settlement with CHASE. CHASE is not willing to work with us in any way. We have called in, we have sent letters, we got nothing returned. We feel like we are in trap of interest. I also want to know if this CHASE Principal amount is forgived as part of the Department of Justice-State Attorney Generals National Mortgage Settlement. I respectfully ask for your help of contacting CHASE and give us XXXX time settlement or give us options. 

Looking forward to hear from you and thank you very much for your attention on this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Respected Officials, I have reported to Department of Justice about people abusing my financial and other accounts by using old email ID 's. 

XXXX -- -- account has been closed by me due to suspicious activities XXXX -- - account has been closed by me due to suspicious activities However, I still see the above email ID 's as associated with my account and waiting verification from me. 

I tried deleting these email ID 's on the website, but the website denies permission to do so. 

So either Bank of America is willfully aiding fraudulent activities when I am traveling out of country or they are ignorant. 

I request Bank of America to remove erroneous email ID 's from the past and stop requesting me to call them to remove unknown email ID 's.

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 2022-03-26
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
They are liars in store and over the phone they lied to me I have a store card and wanted an upgrade to XXXX  I was told I can only do so in store and I would have to reapply I step I. Store for 1 hour was denied a XXXX  and offered the same store version what a waste of time its ashamed how they treat me and refuse to give a reason why I dont qualify I want XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: Forster, Garbus and Garbus
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
foster garbus and garbus XXXX XXXX XXXX XXXX XXXX XXXX XXXX sueing and threatning to garnish my wages. amount owed is more than amount due to original creditor. XXXX account. now worth XXXX unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
US DEPT VETS XXXX Balance Owed : {$0.00} - This account is showing several violations : Date of last activity is incorrect, Balance is incorrect and payment history is inaccurate. These are all violation please delete. 

XXXX XXXX XXXX Balance Owed : {$3000.00} - Account is reporting inconsistent and inaccurate Open Date are showing different dates at each bureau. 

XXXX  XXXX Balance Owed : {$380.00} - The Open Date on the account has been changed. It is a Violation to Re-aged the open, Please Deleted Immediately. 

XXXX XXXX XXXX Balance Owed : {$270.00} - This account has several violations : You are reporting a re-aged open date, Reporting a past due amount on collection account, and incorrect Date of last activity. Please delete for violations. 

XXXX XXXX XXXX Balance Owed : {$530.00} - This account was transferred to another collection company you are reporting this duplicate account. 

XXXX XXXX XXXX Balance Owed : {$100.00} - You are reporting an incorrect Date of last activity, an incorrect open date ; it has been changed, and an incorrect balance. These are ALL violation please Delete. 

XXXX XXXX XXXX XXXX Balance Owed : {$4600.00} - Your records are revealing conflicting and incorrect information compared to other bureaus. 

XXXX  XXXX Balance Owed : {$1000.00} - Balance and payment history is Incorrect please remove immediately. 

XXXX XXXX XXXX Balance Owed : {$1300.00} - our records are revealing conflicting and incorrect information compared to other bureaus.

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 2022-03-26
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sent out disputes letters and debt validation letter, no response was made. I tried to have them verify the debt over the phone and they ask me for my information when they already supposed to have that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My company got a Chase XXXX credit card. The person that applied for the card left the company last year and no longer works for the company. The account was paid and had a XXXX balance when we called and closed the account last year. The company kept the account opened and charged the annual fee and continued to charge the late fees for nonpayment. We did not receive any bills for over XXXX months and only last week we received an email saying the account was past due and closed because of non-payment. I called the customer service number and was transferred back and forth for over XXXX hours looking for someone that could reverse the charges. I was finally transferred a supervisor named XXXX XXXX, who said the only person that could close the account was the person that no longer works for the company, which we ca n't get a hold of. We asked that all the unauthorized charges be removed and he said he would not and threatened to keep on accruing interest and late fees on charges that was never authorized and additional late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-21
Company: Westlake Services, LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XX/XX/2010 I signed a contract with XXXX in XXXX, FL for an auto loan. I never signed any contract with Westlake Financial. They had my account sent to collection for a charge off and also with late payments. When I tried disputing this issue I was told if I wanted my title I must pay the balance of {$190.00} and I was questioning why do I owe a company I was never in contract with. I made a few calls to XXXX XXXX and finally got my title not sure how Westlake Financial ended up with my information but not my only problem is they are reporting negatively on my credit and when I sent information over to them to produce documents to show that I was in contract with them I never got the information. The only thing they keep doing is updating the information through the credit bureau stating that the information is verified and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have XXXX x J.P. Morgan Chase bank accounts. 

J.P. Morgan Chase offers an 'alert service ' to their customers to reduce fraud, and in particular, to ensure that - should an account not have sufficient funds available - a customer is instantly 'alerted ' so as to be able to transfer or add funds to their account/s in time for a payment to be processed successfully. 

This 'alert ' service is widely advertised as a part of the benefits of being a Chase banking or credit card customer. 

Note that this alert service does require some 'setting up ', which I have done, and used successfully prior to this incident. 

From XXXX XXXX 2015, the Chase alert service stopped working completely on all my accounts and Chase credit cards, and I have incurred substantial fees as a result of not receiving notifications of insufficient funds that would otherwise allow me to transfer or add funds in time to avoid such fees. Prior to this, I have used this service ritually with few issues, but on XXXX XXXX/XXXX/15, it began to fail completely, and Chase began to charge me ISF fees as a result. 

Once I realised the issue, I contacted Chase Customer Service, and they insisted that their system was 'working fine ', and that I should set up alerts via 'Push ', Text and email just to be certain. I followed their advice and did so, ( receiving no less than XXXX emails confirming these changes to my alerts. However, despite setting up all alerts via all means, none of them worked at all. Meanwhile, Chase continued to charge me ISF fees, ignored my concerns raised, told me the alerts were just a 'free service ' to me, and were unwilling to assist any further. 

After several calls, emails and texts about the issue to my Chase account manager - XXXX XXXX - he finally requested I come in to demonstrate the issue to him on XXXX/XXXX/15. While in his presence, he checked my alert settings, and then had me perform XXXX x transactions. The Chase alert system failed completely for both, so he agreed it was an issue and pledged to report it to 'National ' customer service for a full refund of the fees. 

To date, none of the fees have been refunded to the account that was used for demonstrating the issue, and as a result, my account/s remain in negative balance. Chase calls and writes constantly to add funds so as to bring my account/s back into credit, but I refuse to do so, as adding funds would serve only to pay Chase their ISF fees, and I am certain any request for refund would be denied. 

I do not work as hard as I do just to pay bank fees, especially when a failure on the banks part is the cause of such fees being incurred.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-11
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Delinquent account

Complaint:
I applied for a mortgage loan on XXXX/XXXX/XXXX. I was denied, in part, based on ratio of balance to limit on revolving accounts and amount owed on delinquent accounts ( XXXX of attachment ). While I have managed to correct much of the incorrect information, I was unable to get XXXX Chase account corrected. on page XXXX of the attachment is a Chase account that shows a limit {$5000.00} and a past due balance of {$3200.00}. The problem is that Chase made a decision on XXXX/XXXX/XXXX to discharge the debt and cancel it as shown on page XXXX of the attachment, a XXXX which I paid federal and state income taxes on the discharged amount as required by law. When I received the credit report from XXXX ( XXXX of the attachment ) on XXXX/XXXX/XXXX, I disputed that there was an open account with a credit limit and balance past due as the report clearly indicates the account is closed, so there would be no credit available and since the debt was discharged there could be no balance, past due or otherwise. I received the dispute results from XXXX on XXXX/XXXX/XXXX ( pp. XXXX of attachment ) and it indicated that Chase verified the closed account with a credit limit of {$5000.00} and a past due balance of {$3200.00} with XXXX and XXXX XXXX had no record of the account. On XXXX/XXXX/XXXX, I contacted Chase to discuss the issue. The Chase customer service employees that I spoke to agreed that the account was closed, that there was no available credit and that the debt had been discharged. However, the credit reporting employee that I spoke to stated that since I did not settle this debt, even though the debt was discharged and there was no longer any attempt to collect, the past due balance would remain on my credit report for a full XXXX years because they could. I explained that I had settled XXXX other accounts with Chase, the employee checked and confirmed that was true. I asked how this could be held against me since this was Chase ' decision to discharge and I was never given the opportunity to settle this account? It was obvious that I was making every effort to resolve everything but Chase decided on their own to discharge this debt without an attempt to settle and now is holding it against me. He stated because we can. It is patently unfair for this account to be shown as having a {$5000.00} limit and a past due balance of {$3200.00}, when in fact that is false. Thanks in advance for your assistance in resolving this. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Equifax. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
JP Morgan Chase gave me the wrong payoff on my home. I was told by Chase that my payoff included my original loan amount as well as my loan modification I had done a few years prior. I even have a letter signed from an officer at Chase stating that my payoff included XXXX. I sold my house and made {$13000.00} only to find out that I owed {$15000.00} after closing, which is the amount for modification. I had to return money and give an additional {$2500.00}. I would have not sold my home if I knew this. I was misled in believing that when I sold my home I would actually make a little money to help with my debt because the payoff was supposed to include the loan and modification. I am a recently divorced single mother of a toddler and an infant. This ordeal has cost my children their home. I have no home now and no money thanks to Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I would like to update you on the continuing abuse of Chase Bank to my father on his mortgage. Now that the bank knows that he is having trouble paying his mortgage, they are raising his monthly payments to try to squeeze him out of his home and into foreclosure before someone sues them for the predatory lending practice. His XXXX payment was {$1100.00} and his XXXX bill was {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: EQUIFAX, INC.
State: PA
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 Balance Owed : {$10000.00} - Account is reporting inconsistent and inaccurate Open Date are showing different dates at each bureau. 

XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - This account is showing several violations. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of last activity. These are all violation please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
On XX/XX/2022, I was having trouble with my new TV and connecting to XXXX through the TV. Like many Americans, I reached for my phone and did a search on XXXX for XXXX customer service. Unbeknownst to me, the XXXX algorithm did not provide me with the actual XXXX customer service, but a number to scammers. 

Again, not knowing they were scammers, I called, and they informed me that there had been a security breach on my account, and that I needed to download an app called XXXX, and before I knew it they had me transfer XXXX cash advances in the amounts of {$2300.00} each ( not including cash advance fees ). Cash advances do NOT appear as pending on an account immediately, and then they had me XXXX the money to someone else. 

I immediately contacted WELLS FARGO and filed a complaint to which they investigated and their response was " We processed these transactions as authorized '' nothing we can do, sorry XXXX. 

I then complained to the XXXX Offices, and once again, I was met with the response " Our position has not changed, we processed the transactions as you authorized. '' Had I known I was being scammed, I would have NEVER authorized this, and this was FRAUD by deception, and I find it ominous that Wells Fargo BENEFITS from not only the cash advance fees but has a stake in XXXX as well. Needless to say, I closed my checking and savings with Wells Fargo, and told them I will never do business with them again, and that XXXX XXXX and XXXX XXXX would be rolling in their graves if they knew about this... but it fell on deaf ears. 

Help! 

XXXX 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 explanation
Consumer complaint received 2015-06-24
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
This is to complain a business practice for the mortgage lender of JP Morgan Chase Bank at XXXX GA XXXX. The agents are XXXX (NMLS ID XXXX) and his managers.
On XX/XX/XXXX, I filed a mortgage loan application to the JP Morgan Chase Bank for purchasing a condominium at the Art of Foundry, a well-known large complex located in XXXX, with expected closing date of XX/XX/XXXX.  I got the loan approved by Chase with interest rate quote of 3.375% for 15 years at zero loan discount point.
On XX/XX/XXXX, I inquired XXXX again to make sure all the paper work is ready for closing. XXXX confirmed the final approval and quoted the same interest rate at 3.375% for 15 years but a slight discount point of XXXX. I also asked XXXX to watch the rate for me and inform me when the rate is low. However, I never heard from him afterwards. In the week of XX/XX/XXXX, I tried to contact him several times to lock the interest rate but did not get any responses from him. I was a little bit worried.
On XX/XX/XXXX, 7 days from the final closing date, I finally reached him through his supervisor. He called me back at XXXX, but suddenly told me that my loan was not approved by FNMA because of a HOA insurance policy. So he switched to a private portfolio loan with much higher interest rate and much higher discount points. He wanted to overcharge me extra XXXX discount points for the same loan at 3.375% rate. If at zero discount point, the rate will be sky-rocketed to 4.5%. I was stunned with the last-minute hack. I tried to negotiate with the Chase management for a lower rate or lower discount points, but they rejected it.  I feel I was hijacked. I don't know what to do. I don't have any good options, no time to find another lender, no time to work out the HOA issue, and no time to close the condo timely. 
My complaint is this. I gave Chase more than enough time (2 months) to process my loan. Chase is responsible for due diligence to make sure that everything is okay, and inform me early if anything wrong. Instead, even though I asked them, they failed to notify me.  Moreover, they are not willing to address the mistake they made. I believe this is a bad business practice. It hurts Chase's name and credibility. More importantly, I have to suffer a great loss because of it.
Please help me to resolve this issue.

Company response to consumer: Closed with explanation