BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-31
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
2 monthly mortgage payments drafted my account within a couple of days of each other. I went online and changed my payment draft day to XXXX/XXXX/16 iao {$1200.00} and the payment drafted but a few days later another payment iao {$1400.00} drafted which caused by account to be overdrawn. I contacted Chase and spoke with a rep regarding the double payment and he put in a request to reverse the {$1400.00} payment ONLY as requested. All that needed to be done was to reverse that payment and my loan would have been fine because the {$1200.00} payment which drafted on XX/XX/XXXX would have satisfied my XXXX XXXX payment and would have me due for XXXX XXXX payment. Trusting this was an easy fix of just simply reversing the 1 payment ... .. I followed up a week later and to my surprise the automated system advised me that my last payment made was in XX/XX/XXXX!! I made a payment on XXXX XXXX iao {$1200.00} which satisfied my XXXX XXXX payment but somehow that payment was now showing as " not recieved ''. Apparently, when reversing the payment of {$1400.00} for some ungodly reason Chase decided to also reverse both payments from XXXX XXXX and XXXX XXXX. I could maybe understanding reversing the XXXX XXXX payment and making sure everything was applied correctly but for the life of me I cant understand why the XXXX XXXX payment was reversed from my account ... ... Why reverse a payment that has been posted to an account for nearly a month? So, after being advised they were still researching the issue I made the decision to go to the local branch and make another payment of {$1400.00} yesterday to bring my account current because the system was still showing me due for both XX/XX/XXXX and XX/XX/XXXX payments. I did this because of fear that I would have derogatory reporting to my credit report and now I am fearful that somehow you guys will show my XXXX 2016 payment as being 30 day late and if that occurs I will contact my attorney and file a lawsuit against Chase Home Loans. I originally made a payment on XXXX XXXX which covered my XXXX 2016 bill and I need written confirmation that this issue will not have a negative impact on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-18
Company: Performant Financial Corporation
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a letter from my bank stating they received a court document stating that a levy by Premiere Credit of North America LLC for state taxes ( Indiana ) be placed on all accounts with my name on them. What was attached was not a court document. I contacted my bank for the document that could not be produced. I contacted Premiere Credit of North America LLC and I have not been able to reach anyone at anytime of the day. I have left several messages with no replies. Premiere Credit of North America LLC have violated my HIPAA rights in the this matter.

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 2022-05-13
Company: Radius Global Solutions LLC
State: GA
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:
My truck got totaled out. Was purchasing a new one. Old account with XXXX was paid by XXXX XXXX. Still being reported on my report. Rep did a hard pull and I expressed XXXX had already done it. Rep said it was nit a hard pull it was a soft pull but showing up on report as hard inquiry. They initially denied my new application based on my income that is more than what I had at the start of previous account. Was in good standing and had to verify identity in the same way multiple times due to lack of communication in the company. Even contact CEO XXXX XXXX who had his assistant call and threaten me that Id not be able to get the loan. My fianc who is new to XXXX had to do none of that. They treated me horribly during this transaction and I have been nothing but a great customer who pays on time every month. As a victim of identity theft its scary giving your information to people you dont know. They even had me send my social security card and photo ID in a text to the dealer. Our plates came and went to an XXXX didnt give the dealership or XXXX XXXX XXXX current address. They reported the wrong address and personal information to XXXX as well as others. XXXX XXXX doesnt mean to treat people like theyre a XXXX  human. I also have a XXXX so this really took a toll on my mental health

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 2015-09-02
Company: JPMORGAN CHASE & CO.
State: NE
Product: Credit card
Issue: Transaction issue

Complaint:
My wife was charged monthly for four months for a rewards program that she did not sign up for and was not even aware of. I pay the bill and the charges were from a company she occasionally orders from, so I did n't notice. When she started to get a subscription to XXXX XXXX, she called and learned that she had been automatically signed up as part of this program. I have submitted a dispute with my credit card company and I expect it will be resolved, but I 'm wondering how these vendors can get away with what must clearly be an illegal practice. The company ( as listed on my credit card statement ) is XXXX MD XXXX. Friends have mentioned something similar happening to them. Can this be stopped?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
Chase advertised that all new customers who open a savings account and transfer in {$10000.00} will receive a {$150.00} bonus. I opened an account with them, transferred in {$50.00} from my XXXX XXXX XXXX account to verify it. Once this was ok I then transferred in the $ XXXX. When I tried to do this Chase told me my account had been closed, that I was blacklisted from ever being a Chase customer again and told on the phone that I was n't a desirable customer for them. I was told that there was nothing I could do, I could not get this reviewed or be told the reason for this. The only reason I can see for this is because I a new immigrant to this country, being from the XXXX and they have flagged me for a large transfer when I was just trying to access the deal they advertised. I believe that this advert should be removed if people ca n't actually transfer the money in without it being flagged as suspicious. I also feel there should be a review process and have to provide an explanation whatever the small print in their contact may say.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We are asking the FTC to force J.P.Morgan Chase to Quiet title on our home or recind the loan. Our loan in XXXX originated with XXXX Mortgage to XXXX XXXX XXXX structured asset mortgage Investment XXXX. pass through certificate series XXXX XXXX XXXX. XXXX while servicing our loan, committed many FTC and Tila violation, such as those found in XXXX District Court XXXX, FTC XXXX XXXX XXXX XXXX civil XXXX. XXXX 's violations extend into how our loan was transfered or sold into the trust. We have ask for equitable relief from Chase only to be completly ignored. Our loan was discharged in a BK XXXX in XXXX. Neither XXXX Chase or XXXX Mortgage perfected the lien. In XXXX Chase through Mers and blank grantors, transfered it to XXXX XXXX, who is now tying to foreclose. Please help force J.P. Morgan Chase into complying with the relief granted by the court. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: EQUIFAX, INC.
State: CA
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:
Credit report from  XXXX  and   XXXX   showed an account from  XXXX   XXXX  that is NOT mine. The account was deliquent and affecting my credit. Could not open a bank account. I disputed it over 45 days ago and got an email from  XXXX  stating it was deleted. I tried opening a secured credit card with  XXXX   XXXX  but got denied because of the misinformation from credit bureaus stating that i have deliquent account which is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
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:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: Selene Finance LP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My finance co. Is trying ito make me pay an extra year of escrow. Selene Finance said they can charge what ever they want. I do n't recall that being within the terms of my contract agreement when I got my FHA loan. The extra they expect exceeds my income limitations. It will bring me extreme hardships.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: EQUIFAX, INC.
State: GA
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:
I co-signed for my son to get a vehicle loan and was very specific with the dealer to not run my credit more than once and it was shopped round to multiple dealers without my consent. 

According to the fair Credit Reporting Act Everything has to be 100 % inaccurate on my credit report They also violated the law because according to 15 U.S.C 1681 section 602 A. state 's I have a right to privacy 15 U.S.C. 1681 section 604 A. section 2 also states a consumer reporting agency can not furnish my account without written instructions. 


They also violated the law because according to 15 U.S.C 1681 section 602 A. state 's I have a right to privacy 15 U.S.C. 1681 section 604 A. section 2 also states a consumer reporting agency can not furnish my account without written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: Direct Recovery Services, LLC
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
No one at Direct Recovery Services wants to talk to me. Attached is a screenshot from this morning showing my attempts to reach them at the number they provided : ( XXXX ) XXXX. I even tried the number on the XXXX XXXX  website : ( XXXX ) XXXX but that goes to a VM that is full and can not accept any messages. After speaking with multiple DRS representatives today, XX/XX/XXXX, they seem to have blocked my number and do not wish to speak to me to resolve this matter. According to DRS, I have medical bills in collections which I owe yet they have failed to validate the debt. I have not received any written validation letters from DRS as of today ( mail nor email ). My initial contact with DRS was XX/XX/XXXX. That same day, I received an email opt-in ( which is attached here ) but no debt validation letter. Since they were able to send the opt-in email, I know they have the correct email address and that their domain ( directrecovery.org ) does not go to junk/spam on my end. Today, a DRS representative claimed that a validation of debt letter was sent via mail, then she quickly changed her story and said no letters have been mailed but they sent the validation notice via email. She did not say the date or time that the email was sent and would not provide any info. She did not even offer to send it again. I checked spam folders and have yet to receive any written correspondence from DRS other than the attached email. The burden of proof is on DRS to show me, the courts, and the CFPB that they did, in fact, send me a validation of debt letter via email within 5 days according to FDCPA. Because they have failed to validate such debt in a timely matter and now they won't even speak with me to resolve anything, I believe Direct Recovery Services LLC has violated the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: Conduent Incorporated
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
This is in reference to my EPPICard from the State of NJ for Child Support Benefit. The card is issued by XXXX XXXX  pursuant to license by XXXX XXXX. On Sunday XX/XX/2019, I was able to use my card in XXXX PA with no problems. On Monday XX/XX/2019, I attempted to add funds to my son 's lunch account through an online system using the card and the card was declined twice. 
On Tuesday XX/XX/2019, I attempted to make a purchase at the grocery store, and the card was again declined. 
At this point, knowing that there are funds on the card, I tried logging into my EppiCard online account via the website to see what was going on, and received a message that my card was suspended for fraud, that I would be unable to access my online account, and that I needed to call customer service. Prior to this, I had received NO notice from the company that my account had been compromised or was being suspended. 
I immediately called customer service, was routed to the fraud department, and proceeded to wait on queue for 1 hour and 47 minutes before a representative picked up. He asked my name, my social security number and asked when the last time I accessed the account at an ATM. I told him that I don't access the ATM that often, but I remember taking out {$20.00} from the convenient store near my house on Friday XX/XX/2019. He immediately said " I'm not able to verify any of that information, so I'm going to need you to send me documents proving that you are the account holder, like a Drivers License. You have a drivers license, right? '' to which I replied " um, yes.. '' I was a bit stunned at his rudeness. 
I asked the man " I'm not understanding what's going on, and why you aren't able to verify any of my information. Can I please speak to a supervisor? I waited on hold for almost 2 hours, and I do not want to mail information and continue to wait. I need to get this resolved ''. 
He said " I know you waited, but what does that have to do with your account? I can't help you ''. 
I said " Please transfer me to a supervisor. '' He said " I can transfer you to another representative, but they are only going to tell you the same thing that I told you ''. 
Again, I said " Please transfer me to a supervisor so that I can get a resolution today. '' He said " They aren't going to tell you anything different, but I can transfer you to another representative. Yes, that's what I'm going to do. Hold one for one second. ( 5 seconds of silence ). One second. Ok ma'am, I'm transferring you. Goodbye '' and he transferred me back into the queue. 
I waited in queue for another 1 hour and 20 minutes, someone answered the phone, and then disconnected the call. 
Now, Wednesday XX/XX/2019, I am attempting to call again. 
I have already been in queue for over 40 minutes and the department has only been open for an hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2017-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX is reporting my loan XXXX days past due but my next payment due on their website is XXXX/XXXX/XXXX. My payments are current.

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 2017-02-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
ASC/Wells Fargo, kept part of my escrow monies, when it sold or transfer my mortgage to XXXX. The new lender wants to increase my monthly payment, because it claims that I do have a escrow shortage.

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 2020-06-08
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I used a Pentagon Federal Credit Union auto loan to buy out my leased vehicle. The title was sent to PenFed. PenFed did not take care of filing the lien, and instead sent me a clean title. They told me that I had to take it to the DMV and file the lien info for them. Soon after receiving, the DMV closed its doors due to the pandemic. Since I was not able to take the title to the DMV and do what they should have taken care of when they had the title, they increased my interest rate by 10 percentage points, added {$100.00} to my monthly payment, using a pandemic to their advantage and penalizing a member during a very difficult time. All this without one phone call or email to check in, ask for an update, or see if there was a way they could help ... I have terrific credit and have made every payment early, even paying them for GAP insurance on the loan. This is not a high risk loan that justifies a 14 % interest rate. I should not be penalized because my DMV and most of the economy has been closed down due to a pandemic. This is usurious and despicable while unemployment is rising and everyone is dealing with the current troubles of the world.

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 2023-01-16
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made my XX/XX/XXXX mortgage payment for {$6400.00} on XX/XX/XXXX which was a XXXX  and the payment posted on XX/XX/XXXX and TD has reported me 30 days late to all credit bureaus. I was in the middle of applying for a loan for some education expenses for my son and now I am unable to do so. I did make the cash payment on XX/XX/XXXX at the branch where the phone representative indicated that I would have been 29 days past due and would like to see if TD can correct this in my reports. I have included a copy of the branch payment receipt for my mortgage. It states my payment was made at XXXX XXXX  on XX/XX/XXXX however I assure you that I physically made that payment on XXXX XXXX  on XX/XX/XXXX. The person at TD that took my payment said there would be a record in the system that I did physically pay it on XX/XX/XXXX. I will make sure going forward that I make my payment earlier in the month to not cut is so close with the 30 days payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On or about XX/XX/22 we received a bill for {$1200.00} the total amount due from Capital One for a XXXX XXXX XXXX. We paid of the entire balance which was received by them on XX/XX/22. Now we received a charge for {$19.00} for interest due on a XXXX dollar balance. I now see how see how these big companies pray on the senior citizens.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2022 I mailed Capital One a certified letter via the XXXX, which they received on XX/XX/2022. In the letter ( attached here ) I made Capital One aware that I did NOT agree with the amount of the alleged debt Capital One reported to consumer reporting agencies. I requested the documentation showing where the debt originated, how the debt was calculated, and any other documentation that proved their claim is valid for account # XXXX. My request is pursuant to 15 usc 1692g ( a ). I still have not received any response from Capital One nor any of the documentation I requested to prove their claim is valid.

Company response to consumer: Closed with explanation