BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-04
Company: JPMORGAN CHASE & CO.
State: RI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX my home at XXXX XXXX XXXX XXXX XXXX, NY, suffered catastrophic water damage from a leaky pipe. We filed an insurance claim with XXXX and received payment. As per the terms of our mortgage ( METLIFE ), the check was written out to us and the mortgage company. We hired a contractor ( XXXX XXXX, XXXX XXXX ) to repair the damages ( check was written out to me and XXXX XXXX ). Fast forward 2 years, the contractor quit owing us at least {$40000.00} and the home maybe XXXX completed. We successfully sued him in court, but our new mortgage company, JP Morgan Chase who purchased our loan in XX/XX/XXXX refuses to pay us any money from our restricted escrow account, despite being provided all the documents from the lawsuit. They claim that we can not access the money because we have not met the terms of building completion and that we sued the contractor and proceeds are payable only to us. Because of the lengthy law suit and lack of progress on the home ( the structure needs to be torn down and rebuilt because it will not pass building code ) our insurance carrier ( XXXX ) has given us 1 year to complete repairs which expires XXXX XXXX. I have contacted XXXX insurance providers and all said that they will not cover us due to pre-existing conditions. We can not tear down the home and rebuild because the loan conditions exceed what is financially acceptable. Only loan available to us in this situation is a new construction loan, where the money borrowed would be rolled into our current loan. We have {$55000.00} in escrow, including the depreciation which we were able to have our insurance provider ( XXXX ) forward to our mortgage holder ( JP Morgan Chase ). We have tried to work with our mortgage holder repeatedly to access the money in restricted escrow, but all we keep facing is roadblock after roadblock. They cancel inspections, ask for additional paperwork which we provide, and will not engage with us concerning this matter. I specifically ask to have " management '' return my calls so we can discuss the case, but I only get an insurance representative who knows nothing about my case except what they read in the account notes. I feel like they want us to default on the mortgage so they get the property plus the restricted escrow and the interest. 
**Of note, we have put a considerable amount of money into the home to make it weather proof - paid to complete the XXXX floor so the roof tresses could be installed and a roof put on. It was only after we did this that both a home inspector and a structural engineer found the home rebuild unsatisfactory. The judge did not award us any of this money. We liquidated our IRA, took a loan against our car and wiped out our bank account to finance the repair of our home. We have complied with everything Chase asked us to provide, yet the issue remains moot.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The account that need to investigate and correct for erroneous reporting in my file is listed on my credit report XXXX / XXXX XXXX Balance : {$1100.00}

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 non-monetary relief
Consumer complaint received 2015-07-28
Company: PNC Bank N.A.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I attempted to close a checking account. The bank ( PNC ) levied a fee. I went to the local branch and discussed the situation. I reluctantly paid the fee and had the account closed ( or so I thought ). I then also closed my other account with the bank - which took XXXX trips to the branch. They allege they had placed a 'hold ' on the account due to 'suspicious activity '. Anyway, I thought I was finally clear of PNC. I 'm now receiving " account overdrawn '' emails from PNC. I 've called and they 're unable to help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-02
Company: JPMORGAN CHASE & CO.
State: HI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was in the process of a Loan Modification and Chase Mortgage went ahead and filed a judgement against me even though I was not denied for the Loan Modifucation. When I called the Loss Mitigation department at first they seemed to not be aware of it and we 're still asking for documentation. When I called again to follow up I was told by my Customer Service Representative that we have to be in Underwriting which I know it is not true. I am due in court even though Chase is dual tracking me. I was also told that the Chase ' foreclosure department and the Loss Mittigation department do not seem to communicate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: United Shore Financial Services, LLC
State: NM
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
UWM ( United Wholesale Mortgage ) is NOT doing there job. My insurance carrier notified UWM in XXXX 2015 of what my homeowners insurance amount would be, which is approximately {$630.00}. My escrow amount before the insurance payment was {$1000.00}. UWM sent them XXXX checks totally a little over {$1500.00}. UWM does NOT update their information but once a year, so now I have a negative in my escrow. This is TOTALLY unfair!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
spoke to lender - Assigned rep is : XXXX XXXX - rep stated the docs were not provided until XX/XX/XXXX - I advised the fax was sent on XX/XX/XXXX - she went over docs and all have been provided that are needed for the review - she stated that she can not guarantee the sale will be PP for the review since they did not get the docs 7 days prior to sale - I advised the rep that they had the docs, it is not our fault they did not process them and assign the file in a timely manor - docs for review were receive 7 days prior to sale and the lender is in violation of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Experian Information Solutions 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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX  XXXXXXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : 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 2015-05-22
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
In XX/XX/XXXX and XX/XX/XXXX, I XXXX XXXX XXXX, had reported fraud to all three Credit Bureau. Someone got a hold of all my credit cards and social security number, and was purchasing things in my name. XXXX XXXX XXXX is not my debit. This has been ongoing for 9 years now. If this was my debit I would have no problem paying it, but this is not my debt. Can someone look into this so I can put this behind me? At the time that this happen in did n't know I had to report this to the police and get a police report. I went to apply for something and when they rejected me I asked them why and they told me I had too many negative things reported on my credit report. When I told they what happen they asked me do I have a police report on this, and I said no they told me I should have report it and I did. The law office was provided with old credit report to show that I had a fraud alert on my credit and I also provided police report to both XXXX, XXXX Receivables as well as the law office involved in the case. XXXX XXXX XXXX from XXXX in XXXX is my financial counselor helping me ; her phone number is XXXX, you have my consent to discuss the matter with her.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I sent a rescission notice to the " so called '' lender, WELLS FARGO HOME MORTGAGE CO. effective as of XX/XX/2015 and they acknowledged it and refused to accept it and did not contest the rescission within the XXXX day time limit stated in the XXXX and so have waived all defenses in this matter. I am trying to get them to comply with FEDERAL LAW and comply with XXXX and release all encumberances on my property, return all funds paid by myself on the loan that was rescinded, and return of the promissory note. to date all I have received is stonewalling by WELLS FARGO HOME MORTGAGE and have even received XXXX letters on the same day from different people. I have been receiving harrassing phone calls even though I have a do not call stated on my account, I finally had to block the calls on my Cell. They disguise the calls by calling from numbers listed all over the U.S.. This is also a violation of FEDERAL LAWS and will not be tolerated by me any longer.WELLS FARGO and other Banks think they are above the law when they are now finding out that they will feel the full force of JUSTICE upon them for what they have done to our economy and to the Americans they have hurt so bad! 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14
Company: JPMORGAN CHASE & CO.
State: NE
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Chase has left fraud in my account for a number of years, and charging interest on a balance that started over {$30000.00}. Chase has profited an estimated {$15000.00} on the fraud to date. " Crime has paid for Chase '' is a true statement in this case. 
Chase has treated this like a legal settlement, offering a fraction of the amount so we do not end up litigating it. We would have money to litigate it if we were not paying the interest every month and risk Chase damaging my credit due to stopping payments on the fraud they continue to report on my credit for nearly three years now. 
The merchant that committed the fraud admitted to the fraud, and Chase refused to provide fraud protection as it disclosed to me, and it discloses to all the public. The merchant went to jail, and signed a swore statement noting nor product or service occurred, only fraudulent charges via the merchant account for XXXX. 
CFPB has provided no help to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
This letter is as result of my complaint filed with your agency with case number XXXX and a follow up from Chase with case numberXXXXXXXXXXXX : From the onset, Chase started by stating on XXXX XXXX that no payment was received on XXXX XXXX not taken cognizant of the fact that I was informed that I could utilize the credits granted on that same month following my complaint to your agency, notwithstanding the letter that was sent to you that the credit will be reflected on XXXX XXXX. In fact the XXXX XXXX indicated that {$0.00} past due was owed. 
Chase also indicated that I closed the account on XXXX XXXX, XXXX, that was not a true statement, Chase closed both my personal and business account with the latter having a {$0.00} balance.Chase then reported the inaccurate figure to the IRS and again reported another inaccurate figure to the XXXX credit bureaus. 

If you look at the XXXX XXXX, XXXX letter that was sent to you, Chase indicated that the amount credited was " Courtesy Credit '' which meant it was not going to abide by the promised 1 % .rate. Chase also stated that I entered into balance liquidation program which was inaccurate as I was in negotiation with it on how it should honor the 1 % program. Chase eventually reported an inaccurate amount as a charged off amount since, if it honored what I was promised, there would not be a charged off account. nor would there be complaint to your agency. My account with Chase should be taken into context. As Chase stated, I opened an account with it on XXXX XXXX, XXXX without any late payment until the I noticed that I was been cheated. Reporting the account as a charged off instead of providing me with the promised rate had a lot to do with my complaint to your agency. 
The action it took against me also had a horrific effect since XXXX XXXX XXXX eventually removed a credit card line of credit in the amount of {$29000.00} from my balance informing me that it will be risky due to what Chase had done.. An account that I have built for over a couple of decades. 
I requested the XXXX credit bureaus to remove the negative information from Chase, and every XXXX of them took over 30 days to report back to me that Chase was not going to remove this information in direct contravention of Federal Credit Reporting Act. 

Finally, your agency should take a look at all the Court actions against JP Morgan lately with it 's credit card holders and most importantly with the fact that restitution was paid to me as part of the class action memebr by Chase on XXXX this year with regard to the business practices of credit card holders in Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
Chase Bank has put on my credit report that I had a foreclosure on a property I owned in Florida. This loan was a short sale loan. The loan was a negative am loan underXXXX and Chase Aprroved the short sale. I need them to update my credit report to reflect late pay and paid as agreed, short sale specifically on the experian, it states XXXX. I am applying for a mortgage and all of the copanies are stating that I have a Foreclosure with Chase because of the XXXX. The other XXXX are correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: EQUIFAX, INC.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
XXXX Report Number XXXX submitted XX/XX/XXXX. 
received my dispute for the following XXXX XXXX whom agreed to remove the collections account from credit report if I paid the balance. I had not received any notifications from XXXX XXXX that I owed them any money and they agreed to remove the collection report if I paid. I settled with a letter amount and they never removed the information from my credit report. They promised to send me a paid receipt and did not. They only updated the balance. 

XXXX XXXXXXXX XXXX-Account was never past due and we paid every month. The credit report after 30 days has not updated nor have we heard anything back from them within 30 days. 


XXXX XXXX I disputed because the amount was incorrect and had already been paid in full and was told if paid. I was promised To date nothing has changed on my credit report. The report says updated but it was not. 

XXXX-We disputed because the account was much older than stated on the credit report to date we have received no notifications and has been over 30 days since we disputed with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update and correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 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 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 XXXXXX/XX/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 2016-12-03
Company: JPMORGAN CHASE & CO.
State: HI
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX/XXXX/16 We are long time Chase credit card customers with a flawless payment history, high FICO score, and seldom dispute credit card charges. Recently, we were the victims of obvious credit fraud in that the XXXX XXXX XXXX, of XXXX, AZ quoted us a onetime {$85.00} trip charge to provide an alarm/video estimate. This charge was to be shared XXXX by another customer in the area for an amount of {$42.00}. We provided several very detailed letters and enclosures to Chase dispute department to substantiate our claim. 

At the time of authorizing a phone charge, it was confirmed with XXXX XXXX that the charge would be only {$42.00} and he said yes. To our surprise, he charged us a whopping {$230.00} instead. This is obviously fraud as nobody in their right mind would agree to {$230.00} trip charge under the circumstances submitted. It should also be noted that we also never received a product or service from the vendor ( e.g. a formal written estimate for alarm/video mods ). 

Chase dispute supervisor XXXX claims that if we authorize a charge on the phone the vendor can put any amount they want. This is flawed as vendors should only charge what is authorized. She also said we need a receipt from the vendor stating what the charge should have been. This is ridiculous at the vendor is the one that issues receipts and obviously when they want to fraud and steal from unsuspecting customers they will not issue receipts that go against their claims. Our documentation provided shows the trip charge of half of {$85.00} was confirmed by Automation solutions. The dispute department ( esp. XXXX ) failed to accomplish due diligence in the review of our dispute. We also question the dispute process of Chase which seems to favor merchants ' XXXX. Despite requesting for senior mgt. review the dispute dept. charged back our account of {$180.00}. 

The original dispute is encl ( 3 ). The rebuttal is encl. ( 2 ). And the latest communications to Chase via secure email on their web site is encl. ( 1 ). 

Request Chase senior management officials review attached documents and correspondence and whether the vendor agrees or not for Chase to credit back our account {$180.00} posthaste. 

XXXX and XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-01
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am in a massive medical malpractice lawsuit with XXXX XXXX and therefore I will not owe these debts..There is a total of {$2000.00} that needs to be removed. My attorney is aware of these charges and said I will not owe them..so please remove these debts from my credit report. 

XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX {$280.00}

Company response to consumer: Closed with explanation