BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-08
Company: JPMORGAN CHASE & CO.
State: ME
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Beginning in XX/XX/XXXX, we could no longer make our mortgage payment on our home in Oregon. We received letters through XX/XX/XXXX that JP Morgan was starting foreclosure proceedings. We filed for Chapter XXXX bankruptcy XX/XX/XXXX in US District Court in XXXX that included the mortgage. The bankruptcy was approved and finalized XX/XX/XXXX. We have worked hard for two years and are at a point to look into buying a home again. When our mortgage broker looked at our credit, he discovered that a law firm in XXXX filed and received a civil judgement on behalf of JPMorgan for the mortgage in XXXX exactly a year after the mortgage was discharged in the bankruptcy. We have had trouble getting jobs, purchasing consumer items with decent interest rates, and now we can not purchase a home because of the civil judgement on a discharged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Issue: APR or interest rate

Complaint:
Congratulations on winning the case against XXXX for consumers!! Well done! I signed on with XXXX in XXXX 2013 and noticed late that they are now charging me 23.99 % after 18 month period, though it is no where stated on the contract I obtained from my XXXX. They do n't give you the choice ( or hide it well ) to receive mailed statements. I had no idea of late charges and mysterious {$2.00} charges and now the 23.99 %. Please help!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Bank of America reported I was overdue in payment, and reported as late payment. 
Actually, its about an autopay failure because when I changed my bank details after closing the old bank account, I was guided by Bank of America customer care how to do it. It turned out that the autopay set up with customer care wouldnt cover the first payment due under the new bank account which, if I was advised, I could have the next payment coming due. 
So I called Bank of America and was told the reason, All my credit card accounts are set up for autopay for XXXX statement balance because XXXX XXXX and want to avoid this kind of problem. 
I called Bank of America again today and was reassured theyd correct the problem with credit bureau.

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 2021-02-25
Company: Comerica
State: IA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
XXXX 2020. {$9.00} XX/XX/2020 {$9.00} XX/XX/2020 {$15.00} XX/XX/2020 {$24.00} XX/XX/2020 {$23.00} XX/XX/2020 {$23.00} XX/XX/2020 {$34.00} I called often to find out status at one point was told it was on a desk. No investigation assigned. It has been 80 days and today they denied it. Supervisor did not answer so I could find out why.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
was fraudulently charged by a merchant for services i did not agree to since there was no communication or documentation provided for what the charges were for. Chase simply stated that Visa 's rules don't allow for any grounds to fight this case and pushed me to drop the dispute with the merchant as they had given up and had nothing to do further.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Please look my previous cases I filled with the CFPB XXXX XXXX Chase Credit Card instead to assist me or look for fair viable solution has choose to fight it in sending me some documentations These documentations has opened another 's possible Violations to the Consumer Credit Protection Act due to the fact I 'm not aware of signed Agreement between Chase and myself, as a consequence of it, at this time I would Like to dispute the whole amount owed on this account due to Chase 's Representative response letter to the previous case I 'm Attaching it hereto. In the letter she mentions " AS PER ENCLOSED COPY OF YOU CARD MEMBER AGREEMENT '' Since she mentions an card member agreement, my understanding in an agreement it must be a signature of the 2 parties. At this time I 'd like to ask CHASE thru the CFPB to produce any agreement that I signed with Chase on this Credit Card.Because I was not aware of this agreement until now when Chase responded to my last complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Good afternoon, My name is XXXX XXXX XXXX, and I would like to file a complaint against Chase Mortgage Company.To make a long story short, I sued XXXX for fraud, my case was won, ( with precedence ), meaning that they ether award me my home, or produce the documents that they forged and were found guilty of, they did n't. Instead, two weeks after they were to award me my home, Chase sold my mortgage to XXXX XXXX XXXX, and now XXXX XXXX is foreclosing on my home. My second Attorney said Chase had exhausted their time in which to file, or award me my home, and he would make XXXX award me my home, but by the time he got around to filing, he said Florida had passed ( New Case Law ) allowing the mortgage company 's to make up paperwork to shore up there case.I have everything on disk. Do I have any legal case? I do n't want to lose my home!! 
Thank you for time in this matter. 
Respectfully XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The complaint involves a consumer reporting agency ( CRA ) not following the guidelines for responding to a dispute set forth by the Fair Credit Reporting Act ( FCRA ). I have written to them three times about ( REMOVING ) a bankruptcy that is on my credit report. All three notices from ( XXXX   XXXX XXXX ( XX/XX/20 ), Experian ( XX/XX/20 ), XXXX XXXX XXXX ( XX/XX/20 ) agencies wrote back saying it has been confirmed by a third party ( XXXX  ). This, in itself, is in violation of the FCRA. Information is to be verified in person by a person working for the CRA 's.

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 2022-03-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The XXXX XXXX has failed to do a proper investigation and independent investigation. Ive sent several certified dispute letters regarding the inaccurate late payments. XX/XX/XXXX is 30 days late, XX/XX/XXXX is 60 days late, XX/XX/XXXX is 90 days late, and XX/XX/XXXX is 30 days late. 

I've asked for proof that I was late the month XXXX XXXX has reported but they fail to reply to anything.. XXXX XXXX simply ignores my disputes. They think they are simply above the law and they can just ignore it. 

Violation & Inaccuracies Failed to enter the Notice of Dispute within 30 days It is a Violation to report a {$500.00} Credit Limit on a account that has been closed since XXXX The XXXX XXXX Said the account is reporting certified accurate AND correct information. But how can this account be accurate when this account has been disputed XXXX consecutive months yet the " Status Date Updated is XX/XX/XXXX. '' That's impossible to be reporting Certified accurate VERIFIED information WHEN THE STATUS DATE HAS NEVER CHANGED XXXX SO THAT MEANS THIS ACCOUNT HAS NEVER BEEN independently INVESTIGATED. VIOLATION OF SECTION 623.

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 2016-11-09
Company: United Shore Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was transferred and I was never notified. It is my understanding they 're supposed to notify me 15 days prior to the effective date. It 's effective as of XXXX/XXXX/2016 and I was never notified ( Today is XXXX/XXXX/2016 ). My escrow is also down to XXXX and I 've got my property taxes due as well as my homeowner 's insurance. My homeowners ' insurance is due by XXXX/XXXX/16. My last payment was made on XXXX/XXXX/2016 as well, but I was n't notified it was transferred, so I made the payment as usual. As of today, payment has not come out of the bank either. 
Loan is with United Wholesale Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: Capital Markets Cooporative, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am having difficulty getting CMC Funding to apply my payments properly. 
I always overpay my monthly bill to reduce the principle faster, and therefore pay less interest over the term of the note. 
I will attach to the complaint proof of my payments and the monthly statements from CMC Funding. I will also attach a spreadsheet showing each payment and how much should have been applied to principle from each. 
If you examine the statements from CMC funding you will see that my they put money into something called suspense. And, if they are applying my payment properly, how could my payment due XX/XX/XXXX be negative {$500.00}? 
I have called them repeatedly about this, and they claim they will correct it. I have asked for, and spoken to, a supervisor at CMC Funding, and was told every time they would correct the error. And then I get the next statement and it is still wrong. 
I think they are deliberately applying my payment wrong to charge me more over the life of the loan. If this is not illegal, it should be. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX IN XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got to know the debt on my credit line of {$330.00} ( which I had no idea of, and a debt I did not have ) from XXXX that I owe LVNV Funding ( XXXX XXXX  XXXX ). I raised disputes through XXXX, XXXX and XXXX. Although my XXXX credit got resolved through the dispute, the collection account has not been closed. I have no credit cards from XXXX as I only XXXX credit lines from XXXX and XXXX. I feel this is a fraudulent activity on my credit line and I would request you to look into this case as soon as possible as this is affecting my credit score and credit line. Attached in the complaint is the XXXX Report generated as of today ( XX/XX/2022 ) for accurate info on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Paypal Holdings, Inc
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
XX/XX/2022 - transferred {$500.00} from card XX/XX/2022 - transferred another {$500.00} from card XX/XX/2022 - sent {$1000.00} to wifes account. Couldnt debit card transfer. She sent it back to me. 
XX/XX/2022 - initiated standard bank transfer for {$1000.00} XX/XX/2022 - account frozen. Send id. Provided that information. 
Contacted customer service over the next week in which they continued to tell me to wait 4 business days.. then 2 more.. then it could be up to six.. 
XX/XX/2022 - requested bank statements. I let them know that the card on file was in my wifes name. That I needed to add a card in my name which their was not allowing me to at this point. 

Over the next week, they continue to request bank statements from the card that was not in my name and I continually let them know I needed to add a card in my name. I provided XXXX bank statements for cards in my name. 

XX/XX/2022 - account deactivated and holding my {$1000.00} for 180 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
As requested, I sent a detailed explanation of my situation to AES for them to forward to the lender. This was nearly 2 months ago, and I still have not heard back from anyone, other than to continue with the threatening & harassing emails, phone calls, and letters ... to both me and my elderly mother! They have completely ruined both or our credit scores.     The last correspondence I have had with them was back on  XXXX   XXXX  : " A request has been submitted to have your lender contacted. Please allow up to 10 business days for processing. We can not provide a response time for your lender nor can we guarantee an outcome. '' It is now  XXXX   XXXX , and I 'm still waiting to hear from someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: PNC Bank N.A.
State: PA
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:
Someone opened a fraudulent credit card using my identity with PNC Bank. PNC opened the account with a {$XXXX} limit. Person charged {$XXXX} paid a few times and then stopped paying. PNC contacted me and I told them I did not open PNC account. Asked them to give me information on how account was opened ( online, paper submission ) and how who had been paying account. They never supplied me this information and instead charged off account. Now shows as a charge off on credit reports and I want PNC to remove. It shows as fraudulent on my credit report and also report shows my name twice, once correct and another with n XXXX middle initial that is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This is my XXXX attempt to notify you that I am a victim of identity theft and I'm sending a complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. These items are unknown to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) CREDIT BUREAUS is required by law to remove any items which are found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$69.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1200.00} ; XXXX Inquiry Date XX/XX/2021 ; XXXX XXXX XXXX Inquiry Date XX/XX/2021 XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/2021 ; XXXX XXXX Inquiry Date XX/XX/202XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2021 ; XXXXXXXX XXXX XXXXXXXX Inquiry XXXX XX/XX/2021 ; XXXX Inquiry Date XX/XX/2021 ; XXXX XXXX Inquiry Date XX/XX/2021 ; XXXX XXXX Inquiry Date XX/XX/2021 ; XXXX XXXX  Inquiry Date XX/XX/2021 ; XXXX XXXX Inquiry Date XX/XX/2021 ; XXXX XXXX XXXX Inquiry Date XX/XX/2021 ; XXXX XXXX XXXX Date XX/XX/2021 ; XXXX XXXX XXXX Inquiry Date XX/XX/2021 ; XXXX XXXX XXXX Date XX/XX/2021 ; XXXX Inquiry XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX  Inquiry XXXX XX/XX/2021 XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2021 ; XXXX XXXX Inquiry XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date XX/XX/2021 ; XXXX XXXX XXXX  Inquiry XXXX XX/XX/2021 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-27
Company: (Former)Shapiro, Swertfeger & Hasty, LLP
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:
My complaint is with  XXXX   XXXX  apartments. They have my credit report down with an eviction. They are saying I was on the lease when they tried to evict my father. My name and social should n't have even been on it considering I did n't sign the lease until after I moved in with parents. Now they are trying to nail me with an eviction that I was n't a part of. I need this fixed because it is messing up me trying to get into an apartment.     Since I was n't even on the list to begin with. It should have been under  XXXX   XXXX . Not  XXXX   XXXX .

Company response to consumer: Untimely response
Consumer complaint received 2015-05-15
Company: Cade Investments LLC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
on same day in XXXX 2015 they called my wife at work, me at work and me at home, from XXXX. The man, XXXX XXXX, stated he was trying to find our son to collect a debt, that a claim had been filed against him and his old address was no good. Informed XXXX XXXX that we did not know where our son was and to not call us any more. On approximately XXXX XXXX XXXX XXXX called again. We informed him of previous request not to call, that he was violating FCRA, and ask for his company name, address and phone number. He would only supply CKA as the company name and then hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-08-25
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
This is a fraudulent account that I never applied for in my life. It was under my maiden name, there 's like a {$400.00} something balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24
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: Information belongs to someone else

Complaint:
My XXXX XXXX and XXXX XXXX XXXX XXXX credit card is lost/stolen. The fraudulent charges/transactions dont belong to me. The balance on these 2 accounts dont belong to me, because both of my credit card accounts with XXXX and XXXX XXXX is lost/stolen.

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 2021-02-25
Company: AMERICAN EXPRESS COMPANY
State: IL
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:
On XX/XX/2020, American Express via XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose. 
My written authorization. 
Proof that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Guild Mortgage Company LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Around the last week of XX/XX/XXXX, I tried to refinance my mortgage loan with a local company that is in my town, Guild Mortgage. ( Conventional-30 year-no escrow and cash out ). I sent everything to them they requested. ( check stubs, past tax information, etc ) They ran a credit report on me and said everything was good and could move forward. By then we were into XXXX, XXXX and was told everything might be wrapped up by end of XXXX. That did not happen because it took them about 2 weeks to get someone to come to house and do an appraisal. By then it was the last week of XXXX. I received the results of the appraisal on XX/XX/XXXX. There were some discrepancies in the appraisal which made the loan short for getting the cash out I had requested. This company was suppose to contact the appraiser to get this fixed and I am not even sure that was done. On XXXX the loan XXXX we had been working with sent a text and said he was sorry but the 30 year loan could not be done it had to be 20 year. They were informed that this is not what I had requested since the beginning of this in XXXX and why wait so long to tell me?? Then a couple days after that they changed back saying they could do the 30 year but no cash out!! This was very discouraging since I had waited about 6 1/2 weeks to get this done and had my credit report hit with this! I am beginning to feel like this was age discrimination or they just didn't want to refinance since it was a manufactured double wide. They should not have waited and carried this out so long and said something from the beginning. I hope other people do not have this issue when refinancing with this company.

Company response to consumer: Closed with explanation