BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-08
Company: Experian Information Solutions Inc.
State: NV
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:
Please check the attached FTC ID Theft report, there are several inquiries on my credit report, they are all listed accordingly on that report. I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit.
Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for any credit with your company.      This inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater  ;

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 2016-09-09
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am writing this complaint because of a problem I am having with XXXX banks that are involved in a short sale transaction. I am currently working on other alternatives to foreclosure so I would like to short sale my home. I would like to short sale my home because I do n't want my home to go into foreclosure. I have been trying to short sale my home for 10 months. The XXXX mortgage is Chase and the XXXX mortgage is XXXX. I have lost XXXX buyers on my home because Chase and XXXX have been very difficult in coming to terms with the sale of my home. Chase offered me an approval in XXXX of {$75000.00} dollars. I had a buyer that was interested in purchasing the home. Once it was time to go to settlement, it was discovered that XXXX had a XXXX lien against my home. The buyer walked due to the time it took to receive an approval. I located another buyer in XXXX and this is the third buyer. Chase stated that they needed to provide another approval. Chase offered an approval of {$160000.00}!!!! Chase is stating that the value of my home went from {$75000.00} to {$160000.00} within 3 months. XXXX then provided an approval of {>= $1,000,000}. Please keep in mind that the home is only valued at {$75000.00}. The home is in need of major repairs in the interior of the property. The negotiator was able to get XXXX to agree to a lower amount to close the deal and then Chase came back with a higher amount. I am writing this complaint because I want the cfpb to know that the banks are still making it difficult for homeowners to reach other alternatives to foreclosure. I would like Chase is being very uncooperative and I do n't know how this will benefit the banks. This has taken a toll on me and my husbands marriage. We have separated and our family has been separated due to this situation. We have tried to modify our home mortgage and XXXX would not work with us at all. I would just like for the cfpb to help me with this transaction. I want to sell my home so that I can walk away knowing that the title has been forwarded to a new owner. I do n't want to experience a deficiency and I want to start my life over with some self respect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
JPMOrganChase told us in XX/XX/XXXX we had an escrow shortage of {$360.00} and we could pay it off by XXXX/XXXX/16 to keep our mortgage payment the same. By the time XXXX XXXX came, we had changed our homeowners insurance policy to renters and it should have produced a lower mortgage payment. I called 1st thing in XX/XX/XXXX to find that it had n't. The chaos started on XXXX XXXX with the 1st person I spoke to ( for which I have names/dates/times ) saying she would put a hold on the XX/XX/XXXX payment so I would n't incur a late fee while she conducted an investigation including another escrow analysis. She also said that back in XX/XX/XXXX they paid homeowners insurance, then renters last month, so that they paid twice and that was the reason for the high payment/shortage. That turned out to be false. They were reimbursed for paying the homeowners insurance in XX/XX/XXXX. She also changed her mind in the same conversation stating we could pay the old amount in the meantime rather than the " hold ''. The new result sent to us a couple of days later showed an almost tripled escrow shortage and we have to pay that by XXXX/XXXX/16 to get a lower payment. This next pair of reps said this was because more time elapsed between the 1st escrow analysis and 2nd leaving the shortage unpaid. The last rep said I could pay the last mortgage payment amount for up to 2 months. I did and added {$150.00} toward the escrow shortage. Tuesday I received a call that she was mistaken and we were not permitted to make the lower payment, we had to make the higher one reflecting that we did n't pay towards the shortage and the money we paid towards the shortage was applied to the principal! I had to call yesterday to fix that and they said it was being fixed " as we speak ''. Each representative apologizing for the last 's " mistake '' and saying that they " should n't have said that, I do n't know why they did ''. Sounds to us that they are either highly under-trained or making it up as they go along! As of today, the now {$98.00} ( taken from the {$150.00} to make up the difference to pay the higher mortgage payment ) has NOT been applied to the escrow shortage. Please help CFPB, for whom do we turn to when a big corporate enterprise such as JPMOrganChase takes over our hard-earned cash like this? I 'm a low-paid teacher and my husband a blue-collar worker employed by a town municipality.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
CapitalOne offers a significant bonus on its Venture card if new sign-ups spend a certain amount within 90 days. The 90 days starts the day the card is approved online. But since it takes 7-10 days for the card to be received in the mail, we really only have 80 days to activate it & start making purchases. CapitalOne makes a big deal about having 90 days, which is nothing less than false advertising to get sign-ups. Please stop them from continuing this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: MIDFIRST BANK
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Do to wage loss- we fell behind and currently have a foreclosure date of XX/XX/XXXX. Midland Mortgage has not been very helpful w/ providing assistance. In XX/XX/XXXX, the rep said my only 2 options were 1 ) pay the balance in full or 2 ) get a short sale. Not until I called in XX/XX/XXXX w/ a HUD Counselor that they considered another option of partial claim. After applying & weeks of waiting- now they have stopped processing because my income is insufficient for partial claim. It should not have taken 3 weeks to review my pay stubs to determine that .... before making me gather all my bills, etc. Also, in XX/XX/XXXX they told me XX/XX/XXXX was my last modification and I have to wait until XX/XX/XXXX to apply for a new one. Technically, that would be XX/XX/XXXX. Only today, they changed it to say 2 yrs from the recorded date which is unknown to them??? " You can re-apply in XX/XX/XXXX and maybe we 'll be able to process it then '' she said- so uncaring. I have a foreclosure date of XX/XX/XXXX. What if it was recorded 2 months later? My house will be gone by then? I 've had this home for almost 20 yrs. And do n't want to lose it. Although it takes 6 weeks on average to record a deed, the purchase date is always used because that 's when you became the owner, responsible, etc. Everything is settled at closing ... not when recorded.

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 2017-01-02
Company: Ditech Financial LLC
State: TN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
1. During the month of XXXX I purchased a property thru Ditech located at XXXX XXXX XXXXXXXX tn XXXX. Prior to closing I was approached by the adjoining property XXXX XXXX. He told me the home was partially on his property. He wanted the home moved off the property. I immediately call the field rep for Ditech ( XXXX XXXX Ph. XXXX ) and told him what happened. I told him I would not close the property unless Ditech vereifed the legal description and that the home be completely on the legal description. He sent XXXX XXXX surveying out to verify the boundaries. XXXX XXXX located XXXX pins and the home was clearly inside the pins. I contacted XXXX XXXX XXXX and told him what XXXX XXXX had to say. I also told him if he disagreed he should get his own survey and if it differed we would attempt to reconcile the problem. XXXX XXXX did not call back. I closed on the property and spent apx. {$25000.00}. to remodel the place. I rented the home and heard nothing else until apx. XXXX XXXX. I went out to check on the property and a survey line had been laid thru the middle of the lot. On the following monday XXXX XXXX recorded a deed from his niece transfering ownership to him. XXXX XXXX hired an attorney and ordered me to move the home. He would not accept any offer to settle the matter. He wanted the home moved. I hired XXXX XXXX XXXX XXXX. to investigate the matter and file siut on XXXX XXXX. His investigation reveled that the the location of the home did not match the legal Description true point of beginning. I attempted to contact Ditech but no one responded.I think this could have been taken care of by the Ditech foreclosure attorney but with no response from Ditech and based on the findings I moved the home to the boudaries of the correct legal description. I had to do this to protect my interest as well as the banks interest. I have a mortgage on the property.. 2. I want Ditech to reimburse my costs in this matter of apx. {$18000.00}. This is the cost of moving the home, installing a new well, connecting the sewer etc. If they disagree I would like for a mediator to handle this and I will be happy to work with anyone that Ditech thinks should here this matter. 3. My information XXXX XXXX, XXXX XXXX XXXX, XXXX, TnXXXX email XXXXXXXXXXXX 4.. attached are letters from my attorney, Ditech and XXXX XXXX Bank XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Please check the attached FTC ID Theft report, there are several inquiries on my credit report, they are all listed accordingly on that report. I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit.   Since it is against the FCR A, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity  to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for any credit with your company.   This inquiry was performed under false pretenses as described in the clear language of the la w. 15 USC 1681n ( a ) ( 1 ) ( B ) wh ich states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

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 2015-10-06
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 

Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Hello, I was promised a XXXX via Chase Credit Card Specialist phone conversation.In this situation I had opened up a Southwest/Chase Business card that had an opening reward of XXXX travel points if a minimum spend of {$2000.00} was met within 3 months. In my first month I hit the minimum spend ( XXXX XXXX ) and in turn had earned the XXXX points. To make sure that I was to receive the points into my Southwest account I called into Chase to investigate. In this conversation with the specialist he assured me that I had indeed earned the points via the minimum spend, and that in fact made me qualify for the XXXX Southwest Companion Pass. In the conversation I made my concerns clear that I did not want to the points to disburse later that the new year or the pass would not be awarded to me. At this moment he assured me that they would disburse by the XXXX cycle and also left a note on my profile that stated these above points that I had earned the points and than in turn qualified me for the pass. Moving forward the points were not awarded before the end of the year and I missed out on the promised pass.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
i filed a claim for fraud activity on bank account, my claim has gone unresolved ... .even though YOUR rep told me this is an error on your end. He gave me a " Memo Credit '' but it doesnt mean anything. its just a pending transaction ... ..we have been ongoing for more than a week now, and everytime someone says they will call me back.. none of that has happened, i will be going on vaction this friday and i am out {$870.00} that was fradulantly stole from my bank acct. i have spend more than 6 hours now of my time in the past week dealing with this, and being told this is your fault and not sure why i havent received my money back. i am NOT HAPPY with chase bank, and am disappointed ... .because until this situation, i praised Chase Bank ... .i will be taking my money elsewhere when this is resolved. have filed a complaint with the BBB as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited {$400.00} cash and a {$1400.00} personal check to a new-ish ( more than 30 days ) checking account. They mentioned there could be a hold, but I did n't expect them to CLOSE my accounts ( due to " suspicious '' activity or unverified funds ). Calling the fraud department, going into my branch and waiting over a month have yielded a return of some of the funds, but they say they will hold the {$1400.00} until they can " verify funds ''. The payer 's bank says they will do that over the phone if asked! More than a month later, they still have the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I was contacted by a company by phone claiming to be XXXX XXXX. They said my computer was sending out error messages and needed repairs. Later that day I found a sent email as if I wrote and signed a document to a company named XXXX XXXX. I called Chase Freedom XXXX immediately because this was not submitted by me. I was scammed after calling XXXX and finding out it was not them and that they have no association with XXXX XXXX Over the XXXX months of trying to get my money back because I received no services from XXXX Chase finally told me it 's a civil matter now there is nothing they can do even though I was a victim of a scam/misrepresentation they are not XXXX and I am a therapist that could have lost everything I worked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Delinquent account

Complaint:
Account was opened in XX/XX/XXXX. 
Bank is saying that the last payment is XX/XX/XXXX that 's wrong. The last time payment was XX/XX/XXXX, so this account should have been dropped off my report by now. It 's been 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: EQUIFAX, INC.
State: MN
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:
MAJOR issue here. Back in   XX/XX/XXXX ,  I contacted  XXXX  after I received a letter about an  XXXX   XXXX  credit card application denial after never submitting an application. I contacted  XXXX , and they told me they would remove the inquiry. I put fraud alerts on my credit reports, and still get hard inquiries. Fast forwar d to  XX/XX/XXXX , a nd I 'm still regularly ( at least 2 times a month ) receiving application denials for the  XXXX   XXXX  credit card, which still to this date, I 've NEVER applied for, nor ever want. I contacted  XXXX , again, and was told they 'd remove the inquiries, even the one from  XX/XX/XXXX  still on my credit reports. Then I was told that they were n't going to remove some of the inquiries, and to submit a request for removal with the credit reporting agencies. I did so, VERY begrudgingly, and received denial of removal letters stating, and I quote, " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' As of today 's date Equifax is showing : Company Information :  XXXX      XXXX   Date of Inquiry :   XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,   XX/XX/XXXX ,   XX/XX/XXXX ,  XX/XX/XXXX    XXXX  is showing :  XXXX   XXXX  Date :   XX/XX/XXXX     XXXX   XXXX   Date :   XX/XX/XXXX     XXXX   XXXX   Date :   XX/XX/XXXX     XXXX   XXXX   Date :   XX/XX/XXXX     XXXX   XXXX    Date :   XX/XX/XXXX     XXXX   XXXX   Date  :  XX/XX/XXXX     XXXX   XXXX   Date :   XX/XX/XXXX     XXXX   XXXX   Date :   XX/XX/XXXX     XXXX   XXXX   Date :   XX/XX/XXXX   And  XXXX  shows nothing.     I 've put a fraud alert with the credit reporting agencies, and still get hit with these inquiries. I 'm at my wits end with  XXXX   XXXX , and  XXXX . Although this is n't so much  XXXX  's issue as they 've reset my  XXXX  account thinking I was a victim of a hacked  XXXX  account. Even after that, the issue is still occurring even after  XXXX  reset my account information. The issue is n't so much with  XXXX , but with  XXXX  repeatedly processing unauthorized credit requests for the  XXXX   XXXX  credit card, as well as repeatedly telling me they 'll remove the hard inquiries from my credit reports, and failing to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was late paying my mortgage payment for  XXXX  of  XXXX  and  XXXX  of  XXXX  due to some financial difficulties ( my regular mortgage payment is  XXXX  ). However, on  XXXX / XXXX / XXXX  I started making my regular mortgage payment and adding additional monies in trying to catch up with back money owed : On  XXXX / XXXX / XXXX  I paid {$2000.00}, on  XXXX / XXXX / XXXX  I paid {$2000.00} ; then on  XXXX / XXXX / XXXX , while getting ready to make my payment, I noticed that my mortgage institution  ( Santander Bank ) is   charging me  XXXX  (  XXXX  ) additional fees of {$14.00} each ( {$28.00} total ) monthly for what they refer to as a " Collection Inspection Fee ''. That 's on top of the late charge fee of {$64.00} accessed every month until I finish paying money owed.   I submitted another payment that day for {$2900.00}. Still theyre charging me  XXXX  (  XXXX   )  late charge fees on my  XXXX  statement and left {$1700.00} monies unapplied to my balanced owed. How can that be if my monthly payment is {$1600.00}? Now, I suspect that theyll charge me another {$64.00} late payment fee on my  XXXX  statement for monies that Ive paid and wasnt applied to my balanced owed.   On  XXXX   XXXX , collections department at  XXXX  called me to ask me when I was going to send them more money ; my {$2900.00} check had already cleared on  XXXX   XXXX .   I informed the caller that I had already sent a check for {$2900.00} and proceeded to complain about the  XXXX   (   XXXX   )  {$14.00} charges on my statement. He tells me that every month they send a person out  to drive by  my residence to inspect the property and they will continue to apply those  XXXX  charges monthly. I asked him not to call me again and hung up the call.   I thought about calling the bank directly and complain about the charges but I suspect that theyre going to give me the run around again, so Ive decided to file this complain in hopes that someone will help me stop Santander Bank from these overcharges to my account.

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 2015-10-07
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have notified Chase in 2014 making them aware that an account was fraudulent and submitted the fraud form to them- they closed the account but is yet to remove it from my credit report upon multiple requests and I am now being denied mortgages due to Chase XXXX incompetence. I have filed a police report, FCC Complaint and they will not remove due to an alleged application they have from me. I told them I have never signed an application and I can not get them to remove the account.

Company response to consumer: Closed with explanation