BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-02
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Just this past week I received from Chase another statement, dated XXXX/XXXX/16 if you compare it with the other one dated XXXX/XXXX/16 you will see the difference in not only the amount of their monthly payments, but also Chase stating on one of them I am missing payments since XXXX 2016 and the other since XXXX 2016. The math in the minimum payment is nuts! going from {$420.00} -- also wrong including many errors -- to over {$600.00} -- per month. All of my payments are in there records many times!! they are altering the records to push me into fraudulent foreclosure. Someone needs to do the math on all of their records which contradict their own numbers.. Just see these XXXX attached is one of many samples of Chase Banks altering records. I am amidst investigations and Chase is being aggressive towards committing fraud to push me into the streets to take my home in any manner they can before they are exposed for their crimes, and abuses to me. Chase also refuses to pull me out of this FRAUD foreclosure while these investigations are taking place, including the FHFA, FHFA-OIG and etc ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
victim of identity theft ... see attachments

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 2022-05-16
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2016-05-13
Company: ATG Credit, LLC
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XX/XX/2016 the company listed in the attached letter showed up with collection amount in my credit report. Since I had never had contact with the company I did n't know ( and I still do n't know ) the reason for the collection account. I called the company asking for a verification of the debt and instead I received a collection letter asking for payment but no validation of the debt. I sent the company a letter requesting verification of the debt. To this day they have not responded to my request. In addition, the company is not legally authorized to collect debts in North Carolina.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: FL
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:
https : XXXX? XXXX CFPB Write up n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2015-06-27
Company: ATG Credit, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was notified by my staff XXXX that a debt appeared on my XXXX credit report. After investigating the item, it was determined that ATG Credit of XXXX was the organization that reported the fraudulent debt of {$160.00}. I have never been late on any account and further, my accounting team has never received a late notice for any of our accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-30
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Issue: Payoff process

Complaint:
Amazon Visa from JPMorgan Chase ( XXXX ). 

They do not allow you to make a fixed automatic payment monthly, the only options are to pay the " full amount '' or " minimum payment ''. If you try and schedule payments for the future it also does n't allow you as you can only make one payment per cycle, this in turn causes people to most likely forget and incur a late payment, it 's well within their capability to offer this and it seems like a scheme to either 1. get people to pay the minimum payment and 2. incur late fees if they choose to schedule manually since you can not schedule more than one month at a time See below communication. 

Dear XXXX XXXX XXXX : Thank you for contacting Chase. 

Unfortunately, at this time AutoPay does not offer a " fixed payment '' option. Additional payment ( s ) can always be made after the statement due date, but before the statement closing date. This will ensure the AutoPay to be processed each month. 

If you need any other assistance, you can send us a secure message. We appreciate your business and thank you for choosing Chase. 

Thank you, XXXX Account is owned by Chase Bank USA , N.A . and may be serviced by its affiliates. 


XXXX DO YOU KNOW AT CHASE ONLINE YOU CAN .... 
- Gain instant access to view and download your credit card information. 
- See and pay your bill online - Transfer balances - Change your address and much more .... 

XXXX Original Message Follows : XXXX XXXX NAME : XXXX XXXX XXXX Hello, I am just wondering why you do n't have an option for choosing what amount to pay in automatic payments, my only options are minimum payment or pay full amount ex. my minimum payment is {$27.00} and I want to pay $ XXXX monthly. 

In this case I have to manually schedule these payments and often forget to keep scheduling them, is this by design?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I was on the Southwest Airlines web site and was going to book some air. An ad pops up from Chase cards that if I apply for their Southwest credit card I could get XXXX bonus miles. So I applied for their card. While trying to book air I get another message that says I will get a {$100.00} credit for booking the air with their credit card. I could n't book with their credit card since I had just applied for the card and did n't have the information needed to book using their card. So I stopped trying to book and called Chase to see if I could get the credit card information. I had to talk to someone to get the application approved. It was approved but I could n't get the information that I needed to get the air booked. They expedited the card to me but since it was a holiday weekend it took 5 days to get it to me. I got the card and was able to book the air but I saw nothing anymore about the {$100.00} credit or the XXXX bonus miles. I called today to see what the story was and was told that there were XXXX offers that I saw and I could n't combine them. If those offers show up in the same day on the same transaction I would think that they should be combined. I feel this is a bait and switch tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: JPMORGAN CHASE & CO.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I got a message on my phone that someone was added as a wire transfer recipient. I tried to log into my account, but the password had been changed. I was able to sign in with my phone using touch access. I saw that there was someone added as a recipient and money had been wired out of the account. I called the bank and asked them to cancel the transfer. While on the phone with the representative XXXX more transfers came through. The representative had asked if I had called in earlier in the day, because they showed that someone had called in. Someone had stolen my account information and was accessing my account. Even though I called right after and during the time the transfers were posted the bank was not able to stop the transfers and I had to file a claim. Throughout the process I was told that it could take up to 10 days for there to be a resolution and the money returned to me. My claim was filed on XXXX and as of today XXXX the money still has not been returned to me. I have called the bank multiple times and been transferred around every time even though I follow the instructions on what options to push. Every time I call they tell me a different option or who I need to contact. I have spoken with " managers '' or senior specialists multiple times and all but XXXX did not seem to know or understand the bank 's process or how to handle my claim. The last manager I spoke with on XXXX advised that the money would be back into my account by the end of the day ... it was not. I have probably spent between 6 and 8 hours on the phone attempting to get this issues resolved ; always with different answers and nothing ever really being done. While writing this up I am trying to call the bank right now and have been on hold for over 20 minutes. I 've had to hold off on paying certain bills and it has been somewhat of a struggle stretching out the money that I do have that was n't in my bank account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
This complaint is against Chase bank - Line of credit Acct. # XXXX 1- My line of credit was modified ; my first payment was made on XXXX/XXXX/XXXX for {$160.00}. I recalculated the payment for the last 5 years and it was supposed to be {$160.00} What do I want? 
Adjust my account to reflect the correct payments, and send me a check for the difference. 
The bank MUST show me their step-by-step calculations. This should not be a mystery. 
2- Chase sent me a letter in XXXX XXXX and again in XXXX XXXX, detailing the new payment is {$160.00}. However, when I made the payment, it was increased to {$170.00} without any explanation. I called and was given complaint no. XXXX. Nobody was able to explain this discrepancy, claiming that all of this done in the " back room '' What do I want? 
Adjust my account to reflect the correct payments, and send me a check for the difference. 
The bank MUST show me their step-by-step calculations. This should not be a mystery. 
3- When I make an online payment on Saturday, the system debits my checking account instantaneously. Then, post the transaction on Monday. That means I lost 2 days of interest to their favor. 
Well, let 's be honest, if you take my money NOW, you must give me the correct credit NOW. 
What do I want? 
Chase should go back and check all of the payments that were made on Saturday, and send me a check for the difference in interest calculations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: Hunt Leibert Jacobson, P.C.
State: CT
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The law firm Hunt Leibert Jacobson PC ( HL ) and it attorneys are using the superior court of XXXX to bring fraud upon the court through a foreclosure to execute theft of real property. The Maker of the Note and Mortgage is deceased. The firm named as the defendants the beneficiaries who are not on the documents of the complaint, and have only an inchoate interest in the property. XXXX statute 802b requires all claims on real property to be filed in writing with the fiduciary of the probate court. HL nor the plaintiff have filed a claim with probate. XXXX statute asserts all property is under the jurisdiction of the probate court, Federal Statute does not allow a man to have to pay a dead man 's debt. HL has a motion of default for failure to plead, and a motion for strict foreclosure to deceive the defendant who appeared into believing, and thus consenting that he must pay the dead man debt. The defendant has filed notice into the court that he is not the owner, and can not be responsible for this debt. HL is using procedure to deceive the defendant into the loss of the property. Rescission was mailed pursuant to TILA. XXXX v XXXX XXXX XXXX XXXX XXXX settled that rescission, right or wrong, voids the mortgage and the note, and the lender/creditor must perform bring a non foreclosure lawsuit to prove their claim against the maker of the mortgage and note. HL and the plaintiff did not file a claim against the rescission Instead they used the prima facie documents in a foreclosure suit, after rescission, with the knowledge the note and mortgage are void by operation of law. The foreclosure suit was filed in the name of a plaintiff that had ceased doing business, rather than the name of the correct entity

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card
Issue: Late fee

Complaint:
The Chase Bank credit card associated with Amazon.com consistently charges late fees for electronic payments, days after those payments have been processed by my bank. It is the only credit card I have that does not credit electronic payments on the day they are subtracted from my bank account. Example : {$220.00} deducted from my bank account for an electronic transfer to Chase on XX/XX/2016 was not credited until XX/XX/2016. Also on XX/XX/2016 they charged me a late fee. This happens each and every time a weekend falls between the transfer date and the due date. It is part of their business model, I am sure. I have cancelled this card but want to report them anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: EQUIFAX, INC.
State: NC
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 recently applied for a furnisher account and short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need these items deleted from my credit report. 
XXXX {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 recently applied for a furnisher account and short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need these items deleted from my credit report. 
XXXX {$2000.00}

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 2020-06-11
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

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 2016-09-02
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I was on social security XXXX since XXXX. In XXXX XXXX, I contacted Nelnet to have my student loan with XXXX discharged based on XXXX. It was approved. In the written terms, it states that my loan discharge depended on me not earning more than {$16000.00}. per year, which is the poverty limit in New York. In XXXX, I earned a little over {$17000.00}. I was employed and unemployed, as has been the pattern with my XXXX. I was also homeless, so I did not receive their notices to show my income. When i called them in XXXX, after they sent me an email, they told me that it was too late to show my income, and that the loan would be reinstated by XXXX. In XXXX, they told me it would not be XXXX, but Nelnet I repay. I am no longer on XXXX and I am unemployed. 

When I received the balance of my loan, the amount jumped from around {$30000.00}. when I applied for discharge to now over {$34000.00}. I was told today by Nelnet that it is because interest accrued since XXXX XXXX. I asked them how on earth can they validate charging me {$95.00}. per month interest during the time my loan was discharged? they said it is in the terms they sent me. I want to know if this is legal. I want to know if any of this is fair under loan laws and fair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In XX/XX/2022, Lexis Nexis verified inaccurate public information of bankruptcy on my consumer report. Lexis Nexis indicated that their company deleted this information effective XX/XX/2022, followed by stating they would mail a resolution notice verifying their action of deleting this information. On XX/XX/XXXX. 2022 I again requested a copy of this notice for my records informing Lexis Nexis that no notice had ever been mailed. Lexis Nexis agreed to resend the notice and complete a manual dispute of this info with all 3 credit bureaus. To date I have not received any notice of this deletion as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX Account # XXXX, # XXXX, XXXX XXXX  Account # XXXX, # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my report as soon as possible.

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