BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I used my online Chase Online bill pay to pay for a service that I purchase bi annually. The money was taken from my account and transferred to a Chase account and their check was sent and mailed to the vendor. The vendor deposited it and per Chase, the check was paid. The vendors Bank , XXXX, claims not to have received the funds even though a cancelled check was produced. Subsequently the vendor invoiced me for the service again. I asked for Chase 's assistance in resolving the dispute and it was referred to their Escalation department. They allegedly did an investigation and only told me what I already knew. The payment was supported by the XXXX cancelled check which XXXX does not recognize as valid proof. Even though they probably could have traced the payment and given me some information I could use to defend myself against the vendor, they refused. They would n't even acknowledge the conversation in writing leaving me nothing use to support my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am having trouble with continuing conflicting information coming from XXXX XXXX XXXX, my loan servicing company. I think they are purposefully withholding information, lying, and trying to get me to miss payments so they can foreclose on my property. This isn't the first time either. Recently XXXX XXXX XXXX processed my loan modification after refusing to do so before CFPB became involved. Then, they sent me a letter in the mail on XX/XX/XXXX saying they would not be accepting payments as of XX/XX/2022 because they sold my mortgage to another company. I tried to call XXXX XXXX XXXX to verify this information but the phone system forwards my call to a company called Mr. Cooper. The written letter I received from XXXX states a company named Nationstar Mortage LLC d/b/a RightPath Servicing will start accepting payments on XX/XX/2022. So I followed the instructions and went to the website listed on the written letter. I entered my loan number and a welcome message appeared stating account access will be available on XXXX. There is no way to make a payment on this page or anywhere on their site. The site does state that late fees will be waived but I do not desire to make a late payment. It is also worth noting that the first thing that comes up when searching for Nationstar or Mr. Cooper is an order where they were required to pay approximately {$73.00} XXXX dollars in redress to over XXXX people they harmed in a seemingly similar way. I looked further into the questions and answers on the Nationstar page. At the bottom of the page it says that payments made to the previous loan servicer will be forwarded to Nationstar. So I logged back into the XXXX XXXX XXXX web page and processed a payment there which goes against the instructions I received from XXXX but I do not desire to make a late payment at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: Meridian Financial Services, Inc.
State: FL
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:
Meridian # XXXX & Meridian # XXXX are time share association dues. The Time share is my ex husband 's ( XXXX XXXX XXXX XXXX ) and I have signed over my shares/rights to him. This should not be on my credit bureau for association dues that I am not responsibility for. I have made several attempts to contact Meridian and XXXX in an effort to resolve but they are not willing to cooperate but only get the run around.

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 2016-01-21
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX XXXX Chase allowed someone to go online an use a known fraudulent email and telephone number to change my wife 's [ XXXX XXXX XXXX ] password and enter her checking account at XXXX XXXX XXXX. Chase did not notify her of this change. 
{$12000.00} was taken between XXXX XXXX and XXXX XXXX 2016 all of the payments where sent through a Chase credit card EPAY system and all were in +/- {$2000.00} amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
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 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:
I've sent disputes to Transunion three times and they sent a stall tactic letter in response every time. no investigation was done! this is extremely 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 2015-11-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I have been a Chase checking customer for about 15 years. I currently have both a personal and a business account with Chase. Last year, I was induced by XXXX XXXX in the XXXX XXXX, California branch to open a Chase Private Client ( CPC ) account. It was a very " hard '' sell. XXXX XXXX told me explicitly that XXXX % of the fees associated with my business account would be waived if I became a CPC client. I signed up for the CPC accounts ( ONLY because of the promised waiver of fees ) and soon noticed that I was incurring monthly service fees as well as fees for incoming wires. I inquired on multiple occasions from both CPC bankers in my local branch in XXXX XXXX as well as bankers in other branches as to the reason for the ongoing fees. The bankers said the fees were due to the fact that my business account was not " linked '' with my personal CPC accounts. These bankers then informed me ( on multiple occasions ) that they had in fact " re-linked '' the accounts and the problem had been rectified. As a courtesy, the bankers also credited back many of the incoming wire fees stating that they were doing so because the fees were assessed in error. Nonetheless, I continue to incur fees for both monthly account maintenance as well as incoming wires. Recently, I asked XXXX XXXX to reverse several incoming wire fees and he refused. He was extremely rude and stated the wires were my problem. I would like Chase to honor the word of XXXX XXXX and waive all fees associated with my business account. I also ask that Chase discipline XXXX XXXX for making false claims to a customer in order to make a sale. 

Also, I was urged to put my savings into XXXX different JPMorgan-managed investment funds. XX/XX/2014, I was faced with a considerable tax bill for income in the accounts although I had not realized any gains or income. My private banker was completely unable to provide a satisfactory reason why I was facing a large tax bill when I had received no cash nor realized any gains. I feel like I was pressured into investment accounts that only benefit JPMorgan through fees. 

I would appreciate a response to this email. I have been a loyal Chase customer for many years and would like to remain with the bank. Please address my concerns so I can continue to bank with Chase. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-24
Company: JPMORGAN CHASE & CO.
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I had a rental car stolen from me XX/XX/2015. I got the car back for the company XXXX XXXX XXXX in 10 days and negotiated a payment of {$530.00} which they accepted and then turned around and forced a {$3000.00} charge through my bank ( JP Morgan Chase ) which allowed them to do so without even hearing both sides or accepting the facts on the fabricated invoice that XXXX submitted. Chase then took my entire social security check for 5 months and bounced all my auto-pays and payments I made while I fought them and got provisional credit during the dispute. They would then turn around and return those payments and charge me for them. They had even told me ( several customer service agents and supervisors ) that it was illegal for the bank to take my entire social security benefits but then they would do it again. I lost my home after 17 years, my storage units, everything I had and had worked for. Finally I lost my dogs this year because I had no place to live and my outstanding credit score I had last year was shot from over XXXX to below XXXX because of their actions. In an " attempt '' to negotiate the dispute the bank called XXXX with me on the line but the service rep did n't want to wait on hold for 20 minutes we were put on hold, said she 'd be back on the line and never came back on leaving me to dispute the matter with XXXX myself. I had full auto coverage on my private policy with XXXX XXXX at the time and had also purchased the smallest policy for incidentals with XXXX at the time of the rental and neither the bank or XXXX took that into consideration nor submitted claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint:
I have complained to Chase about XXXX XXXX XXXX tactics, XXXX XXXX XXXX called my mother about my loans even though her name is only one loan. I have advised XXXX XXXX XXXX that I am working with an attorney on my debt only, per the attorney I am not allowed to speak to them about anything. XXXX XXXX XXXX changed the due date from the XXXX to the XXXX which is causing me to go late every month, the XXXX the due date of my other loans. I am not sure it was ever changed. Chase told me that I will have to catch up the loan but I am working on all of my debt so I am unable to do this. I want of all the negative marks removed due to my due changed being changed. My credit s being affected by this and I have told Chase this numerous times. My account is now almost 30 days later again and I ca n't keep having marks on my credit due XXXX XXXX XXXX changing my due date. I am working with an attorney on my debt only, therefore I ca n't speak to XXXX XXXX XXXX on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
I took out a XXXX Chase credit card. The card specified that after {$500.00} in purchases that a {$200.00} credit would be given. The purchases needed to be made within 3 months of taking out the card. In the third month I attempted to make purchases at a pharmacy and the card was denied. The pharmacist tried twice. I then called the XXXX number on the back of the card and was told that the purchase went through. I asked if I was now qualified for the {$200.00} credit and was told yes. I then called the same evening and spoke to representative on the phone to confirm that I had reached the {$500.00} threshold. I was told that the {$200.00} credit takes several months to appear. I checked today because it has not appeared. i was told that they do n't have any record of my purchases going above the {$500.00} threshold. My pharmacy informed me that the purchase that we thought was approved was not! I paid the pharmacy. 

Chase owes me the {$200.00} credit. They refused on the phone today and chose to cancel the card. Can you help me with this. I used the card according to the rules they set out. They chose to block its use at the pharmacy, I called to correct it and was informed that it was OK. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
TRANSUNION XXXX & XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX ; XXXX & XXXX XXXX EACH company XXXXs in violation of my rights by LAW !

15 USC 1681 602 A I have the right to privacy 15 USC 1681 604 2 no consumers reporting agency has written instructions from me the consumer on what is to be displayed.

15 USC 1681c requirements to the information contained in a consumer report. I requested for all accounts to be remove only my correct information should be displayed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-28
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Macy 's does not mail me Monthly statements and i have requested this for the past 5 months. I have not requested paperless nor Email for no statement.

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 2020-12-28
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan was recently transferred from Rushmore Loan Management Services to XXXX XXXX XXXX. I noticed a - {$110.00} escrow balance. This is an error. There should be no balance ( {$0.00} dollars ) I paid my homeowners insurance in full on XX/XX/XXXX and have had the same homeowners insurance for the past three years that i paid in full each year. I always paid in time. Thus, there shouldnt be any escrow balances. I have copies of my homeowners policies that date back to 2017 with no gaps that i can provide for you. 

This amount is erroneous and false and needs to be removed from account or they have to refund me {$180.00}. I attempted to contact rushmore loan services and they said because my account was transferred and this they can not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: NY
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:
Ive received my most current XXXX XXXX  report dated XX/XX/2022. 

THERE ARE XXXX BANKRUPTCIES IN MY REPORT. 

THE CREDIT BUREAU KEEPS SHOWING THERE IS ONE. 

THIS NEEDS TO BE FIXED IMMEDIATELY. 

Ive already attached the report to my complaint I have with the XXXX Attorney Generals Office Thanks

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 2016-03-06
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I reviewed my Experian credit report and there is XXXX unauthorized and fraudulent credit inquiries on my credit report that do not belong to me. The following unauthorized and fraudulent credit inquiries listed on my Experian credit report do not belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. I want Experian to delete the unauthorized and fraudulent credit inquiries from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-24
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
We paid off our home many years ago. Recently we applied for a home equity loan that we needed desperately and quickly. The loan officer called us and told us that while doing the title search, he found that our deed was n't cancelled back in 2000 when it was paid off by XXXX XXXX XXXX as we refinanced at that time with XXXX due to a lower interest rate. We paid XXXX XXXX XXXX off years ago and they cancelled the deed like they were supposed to. But our problem is the bank, Chase, before them. During the title search, he found a sheet of paper with handwriting similar to " Cancelled Deed XXXX & XXXX XXXX '' and a few numbers written on it and that was all. The Clerk of Court 's office blames the bank and the bank blames the Clerk of Court. We have been trying to get this straightened out for months and it 's costing us time and money. A few weeks ago we were told that it was in the mail but last week we were told that this was n't the case and were given names and numbers for us to call. It is Chase bank and XXXX number is XXXX XXXX at XXXX and XXXX XXXX at XXXX. We were given XXXX case numbers, XXXX and XXXX. We 've called and ca n't get in touch with anyone.We worked hard most of our lives and made all the payments until our home was completely paid for but now that we need to use it to borrow money for some unexpected expenses we are having problems. We have been working with the Clerk of Court 's office at XXXX and talking with XXXX XXXX and XXXX XXXX and attempting to get a loan from XXXX and the loan officer is XXXX XXXX XXXX. Thanks for your assistance in this matter. 
Would you please help us get this solved? Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: DISCOVER BANK
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Discover Bank mailed flyers to Discover Credit Card holders advertising a {$300.00} checking bonus upon opening a new account and meeting direct deposit requirements. 
I complied with all the requirements, sent an online message to which a representative responded that I met the requirements and would receive the bonus offer by XXXX/XXXX/16. 

Upon following up, I was told that I was not 'targeted '. Even though I received the mailer and opened the account ; which the confirmation page shows the bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-01
Company: LD Holdings Group, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My condo insurance was up for renewal. My mortgage service, Loan Depot, charged me {$870.00} on XX/XX/21 for Insurance through my Escrow. Then, in XXXX, Loan Depot changed their servicing from Loan Depot to Loan Depot.com LLC, and changed their log in portal and tranferred the loan. 

The " New '' servicer with basically the same company name is saying they do not have any record of my Condo insurance. I havent been able to get in touch with the original agent on my policy. Loan Depot paid insurance in XXXX and is now acting like they have no record of my policy. They are threatening to purchase another policy on my behalf at 2-5X normal rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: CCS Financial Services, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022 Credit Collection Services ( CCS ) signed for a Certified piece of mail that I sent on XXXX XXXX. The letter consisted of a formal dispute of a debt they claim I owe. I requested CCS provide " validation '' that beared my signature showing that I had or ever had any contratual obligation to pay them. CCS was also advised that any negative mark found on my credit report was a violation of the FCRA & FDCPA. CCS responded with a supposedly " final bill '' with another company 's name on it, claiming I owe them for the bill ; with no supporting paperwork that is, competent evidence, bearing my signature showing I had or ever had any contractual obligation to pay them. Their response has failed to provide me with viable evidence bearing my signature that the account is being reported accurately. 

On XX/XX/2022 I was notified by XXXX that CCS has placed a collection item on my credit file illegally. CCS has violated the FCRA, FDCPA and state and local laws by doing so and not providing me with proper evidence to validate the debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation