BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-01
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hello. I applied online for the Chase XXXX XXXX credit card on XX/XX/XXXX, at XXXX XXXX. central time. XX/XX/XXXX was the last day for a particular promotion attached to this credit card. The terms of the promotional offer were to receive XXXX XXXX points after completing $ XXXX in spend in first three months, as well as DOUBLE ELITE NIGHT CREDITS thru XX/XX/XXXX. This is the part of the offer they are telling me I will not be receiving. This is the most important part of the promotion, as I am trying to maintain my globalist status with hyatt for XXXX and I absolutely planned on taking advantage of the double elite night credits to achieve this. 

I did not receive immediate approval for the credit card. On XX/XX/XXXX I called the Chase reconsideration phone line, and was approved. This is obviously within the 30 day period that I initially applied. I have been advised by a lawyer that they must honor the offer I originally applied under, if approved within 30 days. 

So, this is my complaint. While on the phone with chase representative on XX/XX/XXXX, immediately after being told I was approved, I asked for confirmation about the promotional offer I would be receiving. I was told that the offer I will receive will be the offer that is available as of the date of my approval, NOT the date of my application. This is my main complaint today. The offer available on XX/XX/XXXX did not include the double elite night credits. 

Can you help me with this issue? Thank you very much. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: LD Holdings Group, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My husband and I are in the process of buying a home. I was working with XXXX XXXX ( NMLS # XXXX ) on submitting a loan application. 
We received a call from a friend, ( " XXXX '' for the purposes of this story ... XXXX is another broker ) we worked with on getting our pre-approvals when we were making offers. He told us that XXXX had called him pretending to be my husband. " XXXX '' did n't recognize the voice and said he would have to call back and got a phone #. The phone number was a XXXX phone number ( we are in XXXX ) and the voice mail said " XXXX ''. " XXXX '' decided not to leave a message and XXXX called back saying " Hi this is ( insert my husbands name ) '' and when " XXXX '' questioned him saying " I just tried calling you and it went to voicemail of someone named XXXX '', he said " you must have dialed the wrong number ... what rate were you giving us ''? 
Clearly he was acting unethically and likely trying to gain a competitive edge over the other broker we are working with and committing fraud pretending to be someone he is not. I am not only angry but nervous knowing someone like this has my confidential financial information

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30
Company: NEW YORK COMMUNITY BANK
State: DC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Dear Consumer Financial Protection Bureau, I am writing this complain to inform you about a situation with my mortgage payment, which I am unable to solve. I have purchased a townhouse in XXXX for the amount of {$450000.00} as a first time buyer. Since I did n't have any down-payment, I was offered XXXX loans, an 80 % fixed 30 year loan for {$360000.00} with XXXX, and a 20 % home equity line of credit adjustable rate for {$93000.00} with New York Community Bank. 
I lived in the townhouse for 2 years, but had to move out to a different location due to job change and distant to work. Since the price of the home went down significantly during the housing crisis, I was not able to sell the home, and had to rent it out. The rent amount has constantly been lower then the mortgage ( {$1500.00} a month lower until XXXX, and after refinancing the first mortgage, {$750.00} a month lower since then ). So I have constantly been losing money every month, but have continued paying my XXXX mortgages on time every month since the first day of purchase. I believe it has been and will be my responsibility to pay the amount regardless of the market situation. 
On XXXX XXXX, XXXX I received a letter from New York Community Bank ( XXXX ), my 20 % mortgage lender, stating that as of XXXX XXXX, XXXX, the bank has decided not to extend my mortgage, since the agreement was drafted in a way that the bank could decide if the want to extend the mortgage or not every year up to 14 years. They expect me to pay them the whole amount of {$93000.00} at or before that date! The only other options that I have are to sell the home or refinance. Unfortunately the price of my home is around {$420000.00} and I do n't have the {$35000.00} cash to pay for the difference and closing fees. I have tried both through XXXX and NYCB to refinance, but I have been told since the home does n't have equity they ca n't help me refinance. I have paid my bills every month in the past 9 years, and do n't deserve to be in this situation. I do n't have the money and do n't know what else to do. I sincerely hope you can help me resolve this issue. 
Warmest regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I previously had a checking and savings account with Chase Bank. After Chase Bank falsely verified fraudulent charges on my account I decided to close both accounts. On XX/XX/22 I transferred {$240.00} instantly into my savings account from my checking account and went into a Chase branch and withdrew all funds and closed both accounts. Neither account had a negative status and there were enough funds to cover the transfer. Again, it was instantly transferred within seconds before going into the branch to close the accounts. I checked the accounts approximately 2 weeks later to make sure they were closed and they were not. I called Chase and the customer service rep stated that the account is now overdrawn and now in a negative status because when I went to close the account on XX/XX/22 there were insufficient funds when I instantly transferred all funds from my checking account into the savings account, which is false. If there were insufficient funds, I wouldnt of been able to complete the transfer. I transferred the funds into my savings account before closing the accounts. Now Chase has overdrawn the account and expects me to deposit the funds back into the account. I would like my account reviewed and the account closed and taken out of a negative state because I do not owe Chase {$240.00}, the account was not overdrawn and I was given all of my funds out of the account by the teller when I went in to close both accounts. I returned my debit card on XX/XX/22 and did not use the account to make any withdrawals or purchases after this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have received a plethora of emails from a company named Resurgent Capital Services under the following email : ContactCS@em4965.ecollect.resurgent.com that has purchased old debt that was supposedly sold to them from one company to another. The most recent email sent on : XX/XX/2022, XXXX XXXX  Under the subject : XXXX, a legal review is approaching! mailed-by : em4965.ecollect.resurgent.com signed-by : ecollect.resurgent.com is an email threatening to send to send to a lawyer and threatening to sue me within 5 months time. There is no reasoning for the lawsuit when the debt has nothing to do with this company. I was in the XXXX XXXX XXXX and had a credit card debt many years ago and the debt was initially charged off and now it is being brought up as sold by the company from another company who I never even received correspondence from. I do not want to continue communications with this company getting harassing emails about being sued. I am a XXXX XXXX XXXXXXXX XXXX and this debt is not valid as I stated before the debt was written off / charged off. I have never even heard of the current owner of the debt nor received anything that they owned it and now sold it to this company this is all new information and not valid.I would like the company to stop harassing me with emails and or any communications as well as delete this debt. Whoever this debt they bought from which they are claiming is from : Current Owner : LVNV Funding LLC in the email is a company from which I have never heard of. The debt was initially charged off my XXXX XXXX XXXX XXXX and I have not heard of anything about this debt in years. It has never went to collections prior to so this is not a valid debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-04
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Santander Consumer USA reported a repossession on my credit report which has cause my nothing but tramua. I was not able to get financial for my son college education, loans for my XXXX degree and etc. The vehicle is in my position after making nessary arrangement Santander. I called Santander to discuss this situtation and was told, " it is legal for them to report repossession on your credit report even if you receive the vehicle back '' .. The definition of repossession is the term used to denote a financial institution taking back an object that was either used as collateral or rental or leased ... OR ... If you do not make payments you owe on a loan secured by property, the lender may foreclose on the loan or repossess the property. Your lender has a security interest in your car and if you fail to pay, the lender can sue you or repossess your car ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have submitted multiple complaints identifying identity theft on my report well over 4 business days ago. Because my rights have been violated I am demanding that the accounts that I have identified as being the result of identity theft be blocked or removed from my credit report no later than XXXX business days after the receipt of such information that I have sent over in accordance with XXXX XXXX XXXX XXXX. 
See multiple previous submissions through CFPB portal showing accounts identified as identity theft.

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 2015-05-04
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, 2012, while I was at work, I, XXXX XXXX XXXX, was forced out of my home for the XXXX time ; by which U.S. Bank, XXXX XXXX and its affiliates committed fraud upon the court, coercion, racketeering, conversion, GRAND THEFT, wrongful eviction, trespassing, breaking and entering, fraud, constructive fraud, etc., with the motive to cover up all loose ends of this mortgage transaction by confiscating all of my belongings in order to dispose of any incriminating evidence that chronicled my dealings with U.S. Bank that could possible yield to any potential wrong doing on their behalf. Since U.S. Bank fraudulently achieved a favorable foreclosure decision on the merit of abandonment, it is plausible to believe that the motive for why U.S. Bank needed to confiscate all my belongings without returning them is due in part that U.S. Bank could not turn around and request the courts to issue an eviction notice when it was U.S. Bank 's sworn testimony in court that my residence was deemed " abandoned '' by their preservation team XXXX! 
With that being said, all evidence clearly indicates how U.S. Bank only contracted XXXX with the sole purpose in mind was for them to diminish and/or eliminate any potential defense against mortgage fraud with the perceived notion that once XXXX emptied out my home I would be without a justifiable defense to refute any mortgage documentation presented by U.S. Bank as being authentic. As a result, U.S. Bank, via my initial complaint with them, took the liberty to either replace my mortgage loan documents or alter them with fraudulent XXXX of their own [ XXXX ]. Nevertheless, when I filed former complaint ( s ) against the closing agent/notaryXXXX, along with complaint ( s ) against XXXX-who originated this loan-they confirmed via their response ( s ) that the documents presented by U.S. Bank were not documents prepared or presented for me to view and sign for at closing on the behalf of their notary [ XXXX ]. 
With that being said, I request for U.S. Bank, via the CFPB, to explain to me in detail why a ) did U.S. Bank intentionally and maliciously commit fraud by fabricating my loan documents with fraudalent signatures ; and b ) if U.S. Bank proclaims that they did not commit fraud by forging my signatures to mortgage documents for them to explain to me in detail the who, what, when, where of HOW U.S. Bank came to be in possession of fraudulent mortgage documentation that can not be accounted for by the originating source ( s ) who had me to sign " all '' applicable mortgage documents at closing XXXX XXXX ] that contridicts documentation U.S. Bank presented as being a part of my " original '' loan packet!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Someone has used my personal information to apply for a vehicle related services. Below are the companies that ran my credit report without my consent. According to the FCRA legally these unverified and unauthorized items must be removed immediately. Below are the inquires from each credit reporting agency that were not authorized on my credit report. 


Experian XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX 2024

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 2022-10-14
Company: DISCOVER BANK
State: TX
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 rewards from credit card

Complaint:
I got one promotion from Discover/XXXX  that if I make my discover credit card as default card for payments -I will get {$10.00} as cash back. Pre conditions - I need to make one such purchase from XXXX using discover credit card. 
Unfortunately neither discover credit card nor XXXX is helping me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
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:
Error, inaccurate information. Im not an authorized user, and neither do I have a XXXX XXXXXXXX account, my name is inaccurate my name is not XXXX XXXX, or XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-02
Company: ENCORE CAPITAL GROUP INC.
State: HI
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I have disputed this bogus account with the credit agencies in XX/XX/XXXX. At that time Midland confirmed the amounts were correct. In XX/XX/XXXX, I received a letter from attorney XXXX XXXX that apparently was retained by Midland, demanding payment for this bogus debt. I replied to this notice requesting further clarification. XXXX XXXX replied indicated that he filed a lawsuit against me - apparently because I asked for further clarification. State of Hawaii XXXX court records indicate that Midland filed suit number XXXX on XX/XX/XXXX. As well, Midland has made NO ATTEMPT to serve me with with bogus lawsuit in order for me to properly answer and submit my own discovery requests. Additionally, shortly after filing this lawsuit Midland has reported to the credit reports that I now owe {$1000.00} -an amount much greater than the {$630.00} they already confirmed due. This is in direct violation of FDCPA 808 ( 1 ). See attached screen shots.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: BARCLAYS BANK DELAWARE
State: OK
Product: Credit card
Issue: Billing statement

Complaint:
I reported irregularities in interest charges and incorrect " payments received '' that Barclay labeled as " Purchases '' to the credit card company 2 months ago, as a result of seeing an error on my XXXX XXXX, 2016 billing statement. This tatemet erroneously states I made over {$1000.00} in purchases but does not show vendor. It also shows Barclay removing XXXX my payments made back in XXXX citing " the funds did n't go through ''. I notified my back XXXX, called a Barclay representative to conduct a 3way call on 3 different occasions to verify the validity of all my payments made and I am still being incorrectly charged, interest is being erroneously accrued, and all my statement balances from XXXX to present are incorrect. Please help me. I have the proof and Barclay is conducting illegal credit practices.

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 monetary relief
Consumer complaint received 2022-10-14
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I filed a complaint before threw CFPB. they presented paperwork that have an address that's not mine never have I resided there or been associated with, which is fraud!! 

They are in violation of 15 USC 1681 section 602A which states I have the right to privacy!!

They are also in violation 15 USC 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without any written authorization!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a notification on XXXX XXXX and again XXXX XXXX of a hard inquiry on my credit report for a credit card application for JPMCB. I did not nor would I apply for a credit card as I have no debt nor do I need a credit card. The inquiry resulted in a hard inquiry and deducted points from my credit scores across all three major credit bureaus. XXXX, XXXX, and XXXX. This is highly inconvenient as I am in the process of buying a home and dont want this to affect my chances for loan approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
They sent out attempt to collect a debt letter after I hold them to cease and desist further communications after the said they don't own the debt. Nor do they have chain of title. Employee kept asking for my personal information. And would not answer questions about this company ownership of the debt. They need to STOP reporting Derogatory information on credit profile as it is not an open active account it is a closed account and settle with XXXX XXXX. I don't owe Bully financial  nothing. There trying to pressure me to pay them with threatening reporting information. I need them to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Pursuant to 15 U.S.C.sec 1681 Pursuant to 15 U.S.C.sec 1681c-1 ( A ) I the consumer have the right according and under the Fair Credit Reporting Act ( FCRA ) to have any fraud alert removed. I want the fraud alert that has been placed on my credit file removed. I'm attaching appropriate proof of identity for such purpose.

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