BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-01
Company: American Financial Resources, Inc.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This company - American Financial Resources- is a repeat violater of the " Periodic Statement Rule '' of the " Dodd-Frank Wall Street Reform and Consumer Protection Act ''. " The Consumer Financial Protection Bureau ( CFPB ) implements these rules. Under the periodic statement rule, your mortgage creditor or servicer must provide you with a mortgage statement each billing cycle ( usually monthly ) that meets certain timing and content requirements. In most cases, the statement must be sent within four days after the end of the courtesy period of the previous billing cycle. A " courtesy period '' is the time period between the date the payment is due and the date the late charge kicks in. '' In my case the grace period is the XXXX of each month, after which late payments kick in. So, that makes the latest that AFR is supposed to have my eStatement available online as no later than the XXXX of each month. They have, on four occasions since XXXX XXXX, 2016 failed to provide me with my eStatement by the time period required by law. I have had to email them about this each time and they are always late in getting the eStatement to me. The last eStatement that is available to me is for XXXX XXXX, 2016. At this time they still do not have my XXXX eStatement available for me to download - and today is XXXX XXXX, 2016.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: Servis One, Inc., Titusville, PA Branch
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
OUr company borrowed a loan from the hardmoney lender XXXX XXXX for {$150000.00}. The loan rate was 12 %. The loan was foreclosed on because they did not continue the direct charge to the account provided. Upon realizing that the payments were delinquent, we asked them to allow us to catch up. They declined and foreclosed on us. We sold the house. Upon closing they charged us an additional 15 %. They instructed our buyer not to pay any additional funds. They would not close unless we pay the additional 15 %. 
According to florida statute 687 the limit total rate is 18 %. We were already paying 12 % and then we had to add another 15 %. Also the law states that 5 % is the maximum late fee so the 15 % additional charge is unfair. 
We had to agree to the rate because we would have lost the seller. They also would not close unless we signed documents agreeing to these terms. The closing statement sent to us before closing did not include these fees. The final closing statement adjusted the amounts. We were unaware of the hike in fees until then. There was so much deceit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Experian Information Solutions Inc.
State: MD
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 received a copy of my credit report and found the following errors and violations : Eexperian reported XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX or XXXX. XXXX XXXX, XXXX XXXX, MO XXXX. This is in violation of 10 Federally Protected Consumer Rights Violations Under 15 USC 1692 and Violation of HIPPA. In pursuant to 15 USC 1681a ( 3 ) violated the restriction on sharing of medical information. I pursuant to XXXX XXXX XXXX may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information. In pursuant to 15 USC 1692e ( 3 ) False or misleading representation. Also, this is a violation of my HIPPA rights. I am allowed under the HIPPA Law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records form third ( 3 ) parties. I do not recall giving permission to release medical information on your consumer reporting agency website. Please provide a copy of my signature with the XXXX to release my medical information to consumer reporting agencies. Experian investigated and removed from my credit report in XX/XX/XXXX. However, it does not excuse Experian for violating my consumer 's rights. This corresponding was sent via certified mail. See the attached copy of my credit report, the violations has be highlighted in the 10 Exhibits. By the provisions of the Fair Credit Reporting Act, I demand to be paid for the 10 FEDERALLY PROTECTED CONSUMER RIGHTS VIOLATIONS UNDER 15 USC 1692 and Violations of HIPPA.

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 2016-02-20
Company: JPMORGAN CHASE & CO.
State: IN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
PLEASE SEE CASE NUMBER XXXX THIS IS AN ADDITION TO CASE NUMBER XXXX. On XXXX XXXX I was telephoned by whom i have knowledge to belive is chase bank ( telephone # XXXX ) at XXXX, XXXX, and XXXX. -see attached screenshots- All the calls were rejected on my behalf. Phone calls at this hour are absolutely unacceptable and a new EXTREME in repulsive business practices. Again please see case number XXXX for original complaint, this is an addition.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Fidelity National Information Services, Inc. (FNIS)
State: NV
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:
ChexSystem is reporting a social security in error in my consumer report, I sent my social security card several times to them but they dont remove the incorrect number they report it, ChexSystem agents are incorrectly alleging that I called them and I gave that number so they add it to my report without proof ( social security card ), they also mentioned that they called me to confirm that info but they got not answer so they was not able to confirm the number that they are alleging I provided to them otherwise I called them several times and sent proof of my social security number to correct that but they been refusing to do so. 
The only number that I ever had is the one ending in XXXX. 
Also ChexSystem is reporting a baunch of inquiries in my credit report that I disputed several times and they keep saying that are valid without providing evidence, those inquiries that I mentioned had different social security numbers as well those numbers are not reported on my report but those inquiries still in my consumer report. 
Communication abilities of ChexSystem agents are very poor since those agents are located in XXXX. 
The agents been asking for a police report saying that I didnt provide them the social security number that they alleging belongs to me but I cant file a police report without they proving me they allegations, I dont even know if they are lying to me as usual.

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 2015-12-23
Company: WELLS FARGO & COMPANY
State: AL
Product: Credit card
Issue: Delinquent account

Complaint:
I was making payments to Wells Fargo for a store credit card I had gotten through XXXX XXXX. I purchased the chair in XXXX of 2015 and started making payments the following month. I made all payments by logging on and manually making payments. XX/XX/2015 I decided Autopay would be better so I signed up. I thought it made a payment for XX/XX/XXXX because in my bank statements the transaction shows as an ACH transaction so I did not look at the account again until I was notified in a letter from Wells Fargo that I was 2 months behind on payment and that the account was closed. I had no prior contact from them via email, phone call, or text. ( see attached Statements JPEG of account messages ) I had no idea the autopay did not work until it was too late. I caught the account up after I was notified, via letter, and called Wells Fargo myself. I thought all was well until I had applied for a car loan and noticed my credit score dropped XXXX points!!! Wells Fargo made no effort to alert me that my account was delinquent ( see Statement JPEG and if they had looked at my payment history they would have seen that I made my payments on time and should have made a better effort to alert me. I would have taken care of it then, instead of ruining my credit score for a simple misunderstanding. I am an honest customer who made his payments and I do n't feel like my credit should be ruined because of this mistake. I can understand a late fee and having to report that, but an account closure is absurd! 
I contacted Wells Fargo and attempted to get them to rectify the situation but they did not even take a statement from me or ask about my side of what happened and then I get a letter in the mail about the situation and she did n't even try to rectify the correct issue. I just want this account closure stricken from my credit record and my credit score to reflect that. This was just a misunderstanding and they made no effort to help whatsoever!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I requested a mortgage payoff from Chase bank for my FHA loan. I will pay of the mortgage this month and I am being charged PMI fees of {$240.00} for mortgage insurance for the month of XXXX and XXXX when the loan is being paid off in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have been banking with Chase for almost ten years. I always use their checking account as my primary account. I never pay the bill late and keep a great credit score. However, about 4 years ago, all my credit card accounts with Chase got cancelled without any reason. In the past four year, my credit application with Chase always got rejected. I really want to fix the relationship with credit card department with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: Ditech Financial LLC
State: LA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Ditech mortage claims is not releasing funds for a home repair in a timely manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: JPMORGAN CHASE & CO.
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposit {$200.00} ( 2 {$100.00} XXXX on XXXX/XXXX/16 at XXXX. The atm ate my money and gave me a receipt to file a claim. I called Chase Bank ( XXXX, Indiana ) at XXXX that same day. I refunded me a temporary refund of {$200.00}. On XXXX/XXXX/16, they took the refund back. I called Chase and said the investigation is close. I called when a supervisor was not available to speak to. Chase took my money ( {$200.00} ), I did make the deposit and it is my fault their atm machine mess up. I will never trust Chase and especially their atm. I expect a full refund of my {$200.00} ASAP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-15
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
We purchased this property in 2002. Now we want to sell it and move to Florida due to health issues. We are unable to do this, as there are XXXX undisclosed liens on the house and no one seems to be able to resolve this issue. Both the closing attorney and the agent are telling me that they have no files or information that can help me. The only party who seems to have any records regarding this is the DMV where the XXXX liens are showing. The title company is not helping either ( letter attached ). Bank One ( seller of property ) has proved to be impossible to reach. The original contract states that they ( Bank One ) has granted a clear and marketable title. Please, help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I bank with Chase Bank and use the ATM regularly for deposits and withdrawls. Their advertisement in XXXX on the ATM 's for several months past has been that you can deposit cash in the ATM until XXXX to receive same day credit. On XX/XX/XXXX I made a deposit of {$100.00} into the ATM to cover charges that had been made in my account ( @ XXXX XXXX TIME ). This deposit left me a positive balance. The next morning I had a text alert on my phone that my account was overdrawn, after further review, it appears I was charged XXXX {$34.00} fee 's for insufficient funds. I called the bank to understand why this happened and was told that my deposit was not submitted by XXXX EST ( which would be XXXX XXXX local time ). I was offered a refund of XXXX {$34.00} fee and was told I had to ask the branch for the other XXXX. My concern aside from the fee 's in this case is that there is a different treatment based on time zone. Someone in XXXX, has 2-3 hours more leadway than someone in XXXX to make cash ATM deposits to not get a fee. This is unfair treatment and segregation based on time zone. I would imagine this is a UDAAP concern and that is the reason for me bringing this to the attention of the CFPB since Chase did not understand my concerns for this desperate treatment. I am requesting all XXXX fee 's are refunded, in addition, I am requesting I be compensated appropriately for my time dealing with this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-13
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
XXXX transactions made on XX/XX/XXXX, and XX/XX/XXXX, to XXXX XXXX XXXX for the amount of {$1400.00} and {$160.00}. Disputed on XX/XX/XXXX. Received a permanent credit from Chase Card Services. Merchant later on filed in claim at small claim court against me. Would like to have an official response from JP Morgan Chase that : ( 1 ) Is the dispute decided in my favor or in merchant 's favor, ( 2 ) was the permanent credit issued because it was resolved in my favor, and ( 3 ) why decided in my favor. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a mortgage with Chase Bank On several occasions I have approached Chase Bank because for XX/XX/2015 they reported a XXXX on my credit instead of reporting current as my mortgage payment was made on time for that month. I have called several times to Chase and they advised it was the credit reporting agency I then contacted the credit Bureau who advised me it was Chase doing a non report for that month but something on Chase side. I continue to get bounced back and forth.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I was a victim of fraud and identity theft a few years ago, resulting in my Chase bank account being compromised with charges I did not make. Chase investigated and determined fraud was present and the bank account was closed. During the investigation Chase started accruing fees on the account which totaled over {$330.00}! For over two years I have disputed the fees and finally a Personal Banker, XXXX XXXX XXXX ID XXXX sat down and researched the account and conferenced the Chase Fraud Department via phone. At which time it was concluded that the fees should not have been charged and that I should not have anything derogatory on my credit reports or any negative blocks which are now preventing me from opening any new bank accounts! However, the Fraud Department representative was unsure how to update the account due to some 2 year limitation that prevents them from changing a record. Thus, I was referred to Chase Bank 's Executive Office, XXXX XXXX, at XXXX. After leaving a message XXXX XXXX returned my call and asked me if I was seeking legal action against Chase Bank and then told me he would transfer my issue to the proper department, and if I did not hear back from him within 48 hours to return a call and notify him. I returned a call to XXXX XXXX and a woman answered and refused to transfer me to XXXX XXXX. She then transferred me to Chase 's Collection Department, at which time a verbal demand was made to me for {$170.00} and some change or else all the negative information attached to my identity would remain and I was told I had to pay in full by XX/XX/XXXX! Not one entity with Chase Bank has been willing to contact the Personal Banker who finally attempted to assist me to resolve this lingering burden, nor have they made any attempt to confirm with the Fraud Department! Meanwhile, I remain a victim, and continue to be negatively impacted!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20
Company: JPMORGAN CHASE & CO.
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
A lot of breaks and defects in the chain of title. Subordination of Mortgage dated XXXX Document # XXXX : Waived priority to XXXX XXXX Mortgage XXXX as evidenced in documents. According to XXXX XXXX Mortgage, the mortgage is a XXXX mortgage : When I put in The MIN # XXXX, it directs me to XXXX. I put my name and Social Security Number in the boxes to submit to investor which directs me to XXXX as investor. XXXX XXXX, XXXX Verification of debt for home equity account is JPM Chase. XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX, I requested PROOF OF OWNERSHIP REQUEST documentation. Specific information is in the listings As of this date, none of these request for information have been. I do know what is listed in XXXX XXXX Records namely the above waiver and the XXXX XXXX Mortgage with XXXX A XXXX document # XXXX is evidenced XXXX as present legal owner. A list of statements have been sent to address this issue. Chase claims to be investor and owner of document XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was served and went to court on for a credit card debt and I was garnished. The issue is it is my understanding when I went to court I disputed that the debt was too old or that there was credit protection on this account, I am still not sure if it was from Providian or Bank XXXX. I am sure that I did not own $ XXXX. I have been garnished and I did not work the majority of last year being I was treating for XXXX XXXX. I am a senior and I do not know when I am returning to work but I would like to have this off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: CHECK INTO CASH INC.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I was threatened with prison time, having XXXX warrants filed by XXXX, was told that " I 'll bend you over XXXX '' " the best you ever had '', was told that I have violated federal and state laws, will be prosecuted for check fraud, multiple threats and told that they will destroy me! The debt was sold by check into cash, and I want them held responsible. The collector/ " attorney '' gave misleading and false information. Someone needs to be held accountable for their actions, please help ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-07
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I disputed this directly before, not thru CFPB. 
I attached my Equifax report from XXXX XXXX and then XXXX XXXX I also attached the XXXX case again regarding reporting status. 
Equifax " reverified '' the XXXX account, that 's fine, all they did was drop some of the reporting history from XXXX. Under XXXX, you ca n't report information during my Chapter XXXX even " status '' 1- Date of first delinquency XXXX, what do you think? does it match reported payment history? - all XXXX 's leading up to that date, maybe they are n't sure what XXXX '' means on their report? 
2- Date of last payment- again ca n't be during the Chapter XXXX XXXX Date closed- again ca n't be during the Chapter XXXX. 
Case Law and FCRA, seem like they have simple rules to follow, but then who really does that anymore? 
The XXXX XXXX account is simply the " status '', It is not a " charge off '' they sent me a settlement letter and I sent them a check. To be accurate, it would say 'settled for less than full balance. The current status indicates to anyone reviewing my credit report, that I simply ignored XXXX XXXX, when I found work again, I paid them what they asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Late fee

Complaint:
I am writing to report about how Chase credit card over charged me to make unethical profit by not sending payment alert email and using the balance as the late fee charge. Chase credit card makes the late fee charge very tricky. and take advantage of consumers who have busy schedule and have no ability to understand their complicated statement and policy and never send an alert email regarding payment due. As I logged in my chase credit card because of other issues one day after the due day, I found the big late fee charge and contacted them and informed I would paid full balance today and asked them to reverse the late fee charge. They made the statement complicated and not friendly easy, therefore I spent a lot of time understanding it. Thought I still dont understand it, I have no choice but pay the full balance +big late fee charge. But I believe it is unfair to treat consumers in a tricky way since their policy and statements are complicated and never send alert email to consumer to remind them regarding due day and never explain late fee policy.

Company response to consumer: Closed with monetary relief