BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-15
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
Overview : A hotel overcharged me in a foreign currency. They later reimbursed me, but due to the change in the exchange rate I ended up paying more. 

Details : Recently I booked a hotel online via the hotel 's site. The hotel accidentally overcharged me. The agreed upon cost was XXXX, they charged my credit card XXXX XXXX ( they misplaced a decimal ). My credit card converted this charged in to USD, so this amount ended up being about {$4900.00} USD. 

The hotel acknowledged their mistake and reimbursed me for the overcharge in XXXX ( XXXX XXXX ). They credited my card {$4300.00} USD. 

If the hotel had charged me the correct amount to begin with, the charge on my credit card would have been {$490.00} XXXX. Because of a change in the conversion rate, I am now paying about $ XXXXUSD ( {$94.00} more than I would have if they had not made this mistake ). 

The hotel mistakenly charged me XXXX times the agreed upon amount. Chase is saying that as the consumer, I am responsible for paying the conversion rate difference. I should not be held responsible for the mistake of the merchant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-02
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Chase Bank continuously pushes customers to go paperless on their mortgage accounts. I have had to turn off this feature numerous times and spend countless hours on the phone getting this straightened out. You should be able to review your accounts without being forced into something and then have to spend time reversing it to what you had to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
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:
A credit card was opened in my name by someone else. I have talked with the Bank that the card was opened with and they have said that they have deleted the account. XXXX will not remove the account from my credit report. I have disputed it multiple times

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 2017-03-17
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card
Issue: Late fee

Complaint:
On XX/XX/2016 my payment to Chase Bank 's Credit Card department was posted to my checking account. This transaction typically takes 2 to 3 days to post on Chase Bank 's side. For some reason beyond my control, this transaction did n't post on their system until XX/XX/2016. Chase assessed a late fee, which increased my minimum payment. In XX/XX/XXXX, I made the same payment as in XX/XX/XXXX not knowing anything had changed. Chase assessed an additional late fee. In XX/XX/XXXX I contacted them and disputed the charge. I 'm well within the 60 day window for such issues. They agreed to waive the late fees. In XX/XX/XXXX, I was assessed another late fee for not making my minimum payment ( which I did ) because Chase only waived XXXX of the XXXX late fees. Thus my account was not made whole and I continued to be erroneously deemed 'delinquent ' in my payments. I called yet again and they were unwilling to live up to their previous agreement and insisted on continuing to charge me multiple late fees. I am paying off my balance ( minus these erroneous fees ) and closing this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
STILL can not obtain my FREE ANNUAL CREDIT REPORT from Equifax. I have mailed them the documents they asked for in XXXX, XXXX, and XXXX of 2020. They are receiving my documents. Now they have closed off my online access to view a soft copy of my report on XXXX See attached. These guys are straight ridiculous and have denied me access to my credit report for TWO YEARS NOW. It hasn't been fixed, they cut and paste that I need to mail them the documents I've sent MULTIPLE TIMES JUST THIS YEAR. SEND ME MY REPORT THAT I'M ENTITLED TO VIEW UNDER MY FCRA RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/15 entered into an agreement to increase monthly payments to cover post-petition negative escrow. Said agreement disappeared. Mortgage company removed negative escrow stating it was PRE petition and filed an incorrect POC in co-borrowers bankruptcy. I have all the documents to prove otherwise. All I want to do is pay the increased amount over 5 years to pay the negative escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX I fell behind in my mortgage payments to JP Morgan Chase due to a job loss and began the process of requesting a Loan Modification. The property had been purchased in XX/XX/XXXX and the Loan Modification Agreement came in XXXX XX/XX/XXXX. My complaint regards the terms of the modification ( the Loan Modification Agreement is attached ). My original loan had an interest rate of 7.5 %, which is exactly the rate on the loan modification. I was 17 years into a fixed rate 30 year mortgage, and the agreement is for 40 years, in effect turning a 30 year mortgage fixed rate mortgage into a 57 year mortgage. In good faith I trusted JP Morgan Chase to provide me with the best possible solution ( their words ) for my situation. The intent of the Making Home Affordable Program was to assist consumers, not take advantage of them. I accuse Chase of acting in bad faith, not providing multiple options to prevent foreclosure and undermining the federal government mandate when it comes to housing assistance. I realize that I am just one of many consumers defrauded by Chase and because I was not given a viable solution I went with what I was offered. I probably have paid for this house in full already and as a XXXX year old retiree I believe my hopes of paying off this debt to be nonexistent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: Arcadia Holdings, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Arcadia Recovery has called our business on multiple occasions, and continues to do so. I have called and spoken to a representative ( on XX/XX/XXXX ) and asked for our phone number to be removed. On two other occasions XX/XX/XXXX and XX/XX/XXXX I have left messages as their message states no one is available. All 3 times I have provided our number, and advised that the person they are trying to contact, a XXXX XXXX is nit here, and does not work here. 

Their repeated calls are tying up the phone line for our business, and that means customers can not call. I have had to waste time calling their number XXXX XXXX XXXX XXXX and asked for iour number to be removed. They have not removed our phone number, and this is continued harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Select Portfolio send me a refund check from my escrow account. I did n't cash the check for over a month but when I did select portfolio cancelled the check. My bank charged me XXXX for a bad check. I called Select Portfolio after a 40 minute run around they said they did cancel the check. They could n't tell me why I was n't notified but stated if I faxed over the document from my bank they would reimburse me the XXXX. That was back in XXXX. When I call they just blow me off and say they are working on it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28
Company: Rocket Mortgage, LLC
State: MS
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
XX/XX/2015 I had applied for a loan with several lenders, one being Quicken Loans for money to build a house using land that I currently own and live on. In the course of the conversation I was treated fairly and basically told I had the loan but towards the end of the conversation I mentioned we own some XXXX not really thinking it had any reference. I was then told that the loan is denied as they ( quicken ) do not make loans to XXXX? I explained that we do not make a living from XXXX, we just have more or less a hobby..some XXXX and XXXX. 
Is this a legitimate reason for determination : I later received a written letter stating reason was unacceptable property type. My credit is excellent by the way.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I issued a Qualified Written Request to my servicer in XXXX. Shortly thereafter the servicer requested an extra 15 days to respond. Servicer still has not responded and has gone well beyond the 15 days requested. In addition, when I requested a mortgage assistance package I was told by a representative of the servicer that I would not be allowed to apply for assistance. Instead of responding to the Qualified Written Request or allowing me to apply for mortgage assistance, the servicer has scheduled a foreclosure sale. This is the preferred method of offering assistance with my servicer - Select Portfolio Servicing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Transunion had problems on reporting inquires being on someone's report without connecting them.Then they would delete it and reinsert back onto the credit report without a 5 day notice ....

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 2017-03-01
Company: AR Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
AR RESOURCES INC.has XXXX collections reporting on my XXXX and XXXX reports.XXXX has removed.they are account XXXX in the amount of {$120.00} and XXXX in the amount of $ XXXX.The original creditor is XXXX and the duplicate collection is for a single service/bill So AR RESOURCES has double billed with a single digit account difference and a XXXX dollar fee difference and is verifying false information 3 times, according to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I recently received notification from XXXX regarding NORDSTROM credit card reporting a balance of {$340.00} for the month of XXXX which is incorrect. I currently have a balance of {$220.00} after my recent payment prior to the statement close date. XXXX and XXXX are reporting the correct current balance of {$220.00} accurately. However NORDSTROM failed to report the correct balance to XXXX for this month. In fact they have reported 30 days late which is also incorrect. I made contact with card services and explained the reporting issue. I received a letter dated XXXX/XXXX/17 stating they have reported to all XXXX credit files correctly. This is not accurate, I have attached an insert from my XXXX credit reporting reflecting the non reporting for the current reporting date of XXXX/XXXX/17. NORDSTROM failed to report to XXXX for XXXX/XXXX/17.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card
Issue: Billing statement

Complaint:
I opened a Target Red Card account on XXXX/XXXX/15 and set up an automatic payment program with my bank checking account at TD bank on XXXX/XXXX/15 to pay for any balance due on my Target Red Card. The Card company failed to draw monies from my bank account to pay for a balance due and kept imposing late payment penalties and interests on my Card account without my knowledge for several months. I found out this problem on XXXX/XXXX/15 while I was going to purchase something by using my Target Red Card that was rejected. I have never received any e-mail alert/statement or paper statement of my Card account balance due from Target Red Card company before XXXX/XXXX/15.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-23
Company: Credit Bureau Services Association
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I kept going on there and my child was always sucking on the wrong pacifier and all of his pacifiers had his name engraved on it. I kept bringing this up but it was never fixed. He was always crying when I picked him up or go to drop him off. He was n't happy there. I gave my 2 weeks notice to the daycare and took my son from that daycare in XXXX XXXX. I have not heard anything from them, then I go to buy a house I 'm XXXX XXXX, and see they sent a collection in XXXX of XXXX stating that I owe them {$510.00}. One they never contacted me about anything, two I have them notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 

XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I took out student loans starting in XXXX, I finished school in XXXX, I was not able to find a decent job, and the calls and letters started coming. They offered me the economic deferral, which I thought was a solution to my current situation. I now owe approximately XXXX in loans, I am XXXX years old, I am currently working as a temporary employee making {$XXXX} an hour. If I could go back I would not have taken out these loans. At the time I was under the impression I would get a good job and be able to pay them later in life. I borrowed like XXXX, that I may never be able to repay, the interest brings it up to near XXXX. I will always be in debt. I even tried getting state and government jobs, because I heard I would n't have to pay them back, but I have had no luck there. I ca n't answer my phone, I feel like I am always hiding from the collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wromng person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: NE PROCESSING LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Called and left a VM asking if this was a good number to contact XXXX XXXX ( my wife ), said she had a case file in XXXX County, left number as well as a " case reference '' number. Refused to give me their address after 6 repeated attempts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card
Issue: Advertising and marketing

Complaint:
TD bank sent an offer for a card that has XXXX cash rewards for the 1st 6 months on gas, dining, cable, phone, and utility bills and XXXX on other items. They also offered {$200.00} cash back if {$500.00} was spent in the first 3 months. 
I applied on line ( XXXX XXXX, 2016 ) for this card by going to the website on the offer and putting in the code in the letter. 
When I received my statement, I noticed I was given points instead of cash back. I called and was told that the card that I was offered discontinued on XXXX XXXX. The card they gave instead has a lot less benefits and only {$100.00} cash back after spending {$500.00} in the first 3 months. I spoke to someone on XXXX XXXX when I applied for the card and asked about the {$200.00} cash back and verified that this was correct along with the XXXX cash back on specific items for 6 months. 
Why are they allowed to send offers for cards that they are discontinuing? 
Now I have a credit card that I do not want but can not cancel because credit bureaus give bad makes for you to cancel a card. And I might have trouble applying for another card that I would like because of the credit limit they gave me. 
I think this id false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: Minto Financial dba Minto Money
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
The amount my contract wants me to pay back is just completely unreasonable and unaffordable. I owe XXXX for a XXXX dollar loan?? Not only that but the initial sign up process of getting the loan was shady and omitted certain details until the revealing of the final contract ( which Id also argue contains language meant to confuse borrowers ). They are charging me 20 payments of XXXX from XX/XX/XXXX to XX/XX/XXXX. This makes no sense and is completely unfair and ethically wrong especially knowing that borrowers are often not in healthy financial standing. I understand that I did sign a contract but this is just wrong. This loan ( plus financial struggles due to COVID-19 ) is doing so much more harm than good for not just my financial well being but my mental and emotional well being as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: TMX Finance LLC
State: TX
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
in XX/XX/XXXX i received a auto title loan with Title Max its now XX/XX/XXXX and i am still oweing XXXX on a XXXX loan. this is my complaint, i have comprehensive coverage on my truck and i stated that to them when i received the loan in XX/XX/XXXX but what i have found out is the whole time i have been paying this loan every month never late, they have been add on charges for comprehensive coverage, that i already had and the only reason it come to light is a employee of title maxx brought this to my attention 2 months ago. 
Also because of all the refinances and the high insurance charges, [ when i already had insurance ] the loan cost me more than i expected. 
Also they refinanced the loan XXXX times, i had no ideal what they were doing, I took the loan in good faith, and paid every month, but they did not deal with me in good faith, by repeatedly making me a loans with terms that i could not afford to repay in full, Also last year I ask XXXX of the employees of tile max, could i just come by and make payments before my due date if i had extra money to bring down the loan, i was told no i had to wait until due date of loan, Also last month i told XXXX of the employees at title maxx about all the wrong things that was being done to me in my contract he said to me its to late, i can, t do anything about it now. 
I really need help because i was done wrongly can your company help me? 
also the lady that made the XXXX loan that got me started was fired last year, her and the whole staff for something that they were doing, i founded this out today XX/XX/XXXX. 
I really need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
It is the practice of my mortgagor , Ocwen, to report my mortgage payments to credit agencies 3-4 months after payment is ma de. For instance, my  XXXX  credit report currently lists  XXXX  as my last mortgage payment as on time.     I would expec t Ocwen to promptly report my most recent mortgage payments to the credit reporting bureaus to insure accuracy of my credit score.

Company response to consumer: Closed with explanation