BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-20
Company: JPMORGAN CHASE & CO.
State: VT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Had FHA loan with Chase, had financial hardship, asked Chase for help, instead of help they did loan modification over phone my payment went from {$960.00} up to over {$1600.00} / month, when behind in payment they put escrow into separate account that was like a Credit Card ( you 'll never get it paid off ), worked with XXXX VT to get a modification during which Chase caused many problems, had more financial problems and house was going into foreclosure?, XXXX XXXX XXXX contacted me saying they owned loan, called XXXX who sent me to a case worker, worked with caseworker and XXXX to get modification, XXXX said I did n't qaulify, caseworker said my numbers said I do qualify, got nervous and called XXXX again and they said XXXX is NOT on my file a company called XXXX was servicing loan, called XXXX and left message got no response, called VT XXXX who sent me to Banking and Insurance who then sent me to YOU, XXXX said neither XXXX OR XXXX are LICENSED IN VT and that is why they sent me to YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
When my loan changed servicers ( from XXXX to Nelnet ) the payment amount increased. I believe this is an error because I 'm on a fixed payment plan, am neither ahead nor behind on payments, and since the terms of the loan are the same the payment should be the same. I have asked Nelnet repeatedly ( via phone calls, emails and live chats ) to explain the increase and they do not. The only explanation their customer services reps give is that XXXX must have undercharged me. When I ask for them to show me their calculations that led them to determine that XXXX did n't charge enough, they tell me that this is n't possible. Either XXXX undercharged me, in which case it should be possible to show this, or Nelnet is overcharging me. Either way, Nelnet is n't providing any of the needed information in order to determine which is correct and is debiting my account more than XXXX for the same loan with the same terms. Furthermore, I 've asked multiple times for a complete transaction history of my loan and they have ignored all but one request and the the only history they did send was missing years worth of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
We had a credit card through Chase ( specifically the Southwest rapid rewards card ) that we paid off the balance and closed the card in XX/XX/XXXX. The card was not closed as we had requested and we were charged an annual fee of {$100.00}. When I received a statement in XXXX regarding this I called Chase on XX/XX/XXXX and requested the card be closed. They agreed to close the card and refund the annual fee. I then received another bill XX/XX/XXXX with the {$100.00} charge, an interest charge of {$1.00} and a late fee of {$25.00}. I called again on XX/XX/XXXX and was told there was no evidence the card was cancelled or that the annual fee was refunded. I spoke with a supervisor who stated that she could not refund the annual fee and that I would have to fax a letter to the executive office. She also would not allow me to speak with her supervisor ( name XXXX, in XXXX OH )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-04
Company: JPMORGAN CHASE & CO.
State: LA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Purchased a home in 2008. 4 months later I found out it had XXXX drywall installed after Hurricane XXXX. ( If you are not familiar with this, google it and you will find a wealth if information on the matter ). It destroys your home if not removed. Renovation usually run close to XXXX or XXXX % of the cost of the home. Not covered under home warranty nor Insurance. Breaks down your appliances one by one, A/C, Heat, frig., TV, computers, electrical wiring, plumbing. Went to bank, they were so nice to put me in disaster relief program, Forbearance. Did n't have to pay mortgage for three year. Drywall class action suit was coming close to settling. XXXX tells Bank ( Chase ) enough, and kicks me out of Forbearance and say I own {$94000.00}. In back payment. I do n't have $ XXXX and was denied in suite . So they foreclosed on me. I asked for refinancing, bank put me through paperwork hell then, they said they could not loan money on tainted drywall house and proceeded with foreclosure. 4 months ago I got a letter saying " Congratulations " I 've been approved for a refinance loan. No paperwork was needed. Done deal except the $ XXXX and a whole lot of other charges were added to the end of my loan. Before this happened I owed $ XXXX now I owe $ XXXX. ( I purchased house for $ XXXX ) I think something sneaky is going on. Forbearance people said in some cases, they forgive the outstanding back pay due to hardship, I did n't win the lawsuit. XXXX cases settled last month, XXXX did n't, I was XXXX of the XXXX, the type of drywall I have, the XXXX company will not comply with US judge ruling. Bank stated that absolutely could not refinance on this house and the they turn around and do it. I of course jumped on it because I love my home and would do anything to keep it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am making payments on a small car loan, may be running late about 20 days. The lender has called me 36 times in the last 20 days, or so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2016-05-06
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Since I submitted my prior complaint ; ref ( complaint number XXXX ). 
I have XXXX more issues : in order for my lending to process my loan, Carrington Mortgage had to transfer the Appraiser, Carrington Mortgage refused to do this until I paid {$600.00} which according to them was the cost of the appraiser. I mailed in a Cashier check for {$600.00} to Carrington Mortgage. The Appraiser is now transfer to my lender who informs me that they were notified that the appraised has not been paid and payment had to be made before the process could continue. The actual appraiser fee was actually a little over {$400.00} not the {$600.00} I sent to Carrington Mortgage. This is ridicules that a company will falsely charge me money. In addition to this, Carrington Mortgage continued to email me stating that they would beat any offer that was given to my by new lender, this was propose to my several times and I have the emails to prove it. I responded that I was no longer interested and that I was not happy with their services. Now I received a letter in the mail stating that I got a negative report in my credit score because Carrington Mortgage disapproved my credit after the fact. This is outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I signed up for the Chase Sapphire Preferred card. When I was happy with the card, I decided to refer my parents. I applied with them and generated a referral link through Chase 's website and submitted the application for my parents. My parents got their credit card and made their first purchase yet I never received a bonus. Now, Chase is telling me they didnt apply through proper channels even though I was the person that applied with my parents as I help them with their finances and I ensured that my browser was accepting tracking cookies etc so I would receive the XXXX point bonus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-01
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
I bought a phone on XXXX for XXXX and when I received the item it had defects on it. So I complained and finally they sent me return shipping information. Then returned the product to the seller. Now after 3 months the seller is saying he never received the item and now a dispute got filed from his side. So i had to pay the XXXX and return the item. Basically I got XXXX and burned it ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Experian Information Solutions Inc.
State: TX
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:
I am XXXX XXXX military personnel, I have my money deposited for my loan to be paid and XXXX is to take the money out as scheduled on the XXXX and XXXX of each month. The money just sits in the account to be drafted on the specific date scheduled. I have spoke with representatives that are extremely rude, I have also tried to speak to a manager and the leadership refuses to speak with me as well. XXXX takes the money out 3-5 days later when the account is lower than the loan amount and then reports to my credit the loan is being neglected which has taken my credit score down 70 points. As a military personnel I am unable to always call as to why my account is authorized for auto draft. These false reports is causing my superiors to be alarmed thinking I have a failure to maintain financial responsibility. I need someone to please assist me so I can continue to do my job in protecting our country with a clear state of mind.

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 2016-05-06
Company: JPMORGAN CHASE & CO.
State: KY
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Was sued by a debt collector on behalf of Chase Bank. ( sale of portfolio is attached ) Debt is in someone else 's name - common due to the nature of chase record keeping - and also robo signing documents - I have judgement lien with XXXX different names. ( attached ) Garnished wages to the tune of XXXX dollars. Destroyed my credit report as well - Here in Kentucky the attorney general has the settlement with chase and monies paid ( it will be attached also ) My lawsuit is within the settlement time stated in the settlement with the state.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card
Issue: Balance transfer

Complaint:
On XXXX XXXX, 2016 I submitted a balance transfer request from Chase Slate card to pay off XXXX. I was instantly accepted for the balance transfer and it took 20 days to process it before the commerce bank card wa paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was 30 days late one time in 2014 and Chase reported me 30 days late for 15+ months in error through XX/XX/XXXX. I have disputed it and they have not sent me any documentation showing the they are reporting in error. I demand they remove the 30 day rolling lates.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid my first mortgage payment on XXXX/XXXX/2016. I was therefore completely current. Per my mortgage documents, I can pay off any amount of principal of my choosing as long as I am current, without any penalty. I submitted a principal payment of {$1100.00} on XXXX/XXXX/2016 before XXXX EST. The payment was clearly indicated in Chase 's system to be a principal only payment ( see attached documentation ). Supporting documentation will also show that the payment posted on XXXX/XXXX/2016. As of XXXX/XXXX/2016 my principal payment has not been reduced by any of this amount. The funds have been posted to suspense and remain completely unapplied ( see supporting documentation ). The XXXX/XXXX/2016 regular monthly payment has therefore also been applied incorrectly as it is calculating based upon an overstated principal balance. I have contacted Chase customer service on XXXX/XXXX/2016, XXXX/XXXX/2016, and XXXX/XXXX/2016. In short, the representatives have advised me that they were processing the correction. One representative told me it would take 24 hours to correct. Another advised it would take up to two business days. Based upon the initial notification on XXXX/XXXX/2016 we are now on the third business day with no resolution. I have lost faith that Chase will ever correctly reverse the XXXX/XXXX/2016 regular monthly payment, apply the {$1100.00} principal payment effective XXXX/XXXX/2016, and correctly post the XXXX/XXXX/2016 regular monthly payment based upon the correct, lower principal balance as of XXXX/XXXX/2016. In addition to giving me no credit for my principal payment, the XXXX/XXXX/2016 paid too much interest and not enough principal as a result of this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Chase is not doing what they said they would for under water and people behind on their mortage they did nothing with the arrears did n't not lower my mortgage and they are now foreclosing on my wife and I which we are XXXX. And I have been trying to get a modification and they go up on monthly payments

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I am formally requesting that you DELETE this account listed below from my credit report immediately from all credit reporting agencies! 

CHASE HOME FINANCE LLC XXXX I 'm in receipt of your letter dated XXXX XXXX, XXXX an attempt to validate this dept and your right to report this on my credit and still expect a payment on this CHARGED OFF account. 
Please note that your letter, loan note and payment history is CONTRADICTORY to your statements set forth in this letter you send me for XXXX XXXX, XXXX Following are inaccuracies, misrepresentations and wrongful information provided by you and I will be forwarding these supporting documents as evidence of your wrongdoing to the CFPB immediately! 

1 ) Letter dated XXXX XXXX, XXXX AND XXXX XXXX, XXXX addresses Customer names as : XXXX XXXX and XXXX XXXX ( me ). HOWEVER, copy of the note for the loan YOU provided lists XXXX XXXX and XXXX XXXX XXXX ( not my name ). WHY OTHER OTHER BORROWER 'S MORTGAGE NOTES ARE BEING SENT TO ME ... ... .... 

2 ) Payment history you sent lists XXXX XXXX with different address then you previous responded with, and NO XXXX is listed anywhere on this payment statement. 

3 ) Your letter states that loan is charged off with a balance of {$50000.00} STILL DUE, HOWEVER, the payment history you provided clearly shows that you Charged off the full balance, issued a XXXX, which left the outstanding balance of {$0.00} BUT you STILL ACTIVELY TRYING TO COLLECT ON THIS ACCOUNT. I find this illegal! 

4 ) Mortgage statements you sent dated XXXX XXXX, XXXX show XXXX XXXX as the borrower XXXX XXXX WAS NEVER ON THESE MORTGAGE STATEMENTS THAT YOU 'VE SUPPLIED. 

5 ) WITHOUT A MORTGAGE NOTE LISTING MY NAME AND SS # YOU CAN NOT BE REPORTING THIS ACCOUNT ON MY CREDIT REPORT. 

6 ) WHEN ACCOUNT WAS CHARGED OFF AND XXXX WAS ISSUED, CHASE CAN NOT CONTINUE TO ATTEMPT TO COLLECT DEBT ON THE CHARGED OFF AND XXXX ISSUED ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Opportunity Financial, LLC
State: OH
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:
I did not get any loan from this company. I believe someone used my identity to get the loan. I want this off my credit and resolved since it is affecting my credit report. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: Oxford Law, LLC
State: VA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I continue to receive calls about a loan that I do not owe. I was told that the Loan was taken out in Indiana and that they have a picture of me going into the store. I have contacted the company and confirmed that this is not mine and they have not initiated any action against me. I was contact by Oxford Law and a XXXX XXXX was the last to call. The number the called from is ( XXXX ) XXXX. I have given them my attorney 's number several times and they just hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
According to the Health Insurance Portability and Accountability Act ( HIPAA ) Act of 1996 to protect my privacy and medical records from third parties I have never authorized the company named 'Credit Control Co ' to access ANY of my or families medical records from XXXX Hospital XXXX. I have contacted them for them to prove to me that I authorized them to have access to my families medical records and they sent me bills, dates of service, and personal information that does NOT verify I gave them permission to access. They have broken the HIPAA law regarding privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: CHECK INTO CASH INC.
State: TX
Product: Consumer Loan
Sub-product: Title loan
Issue: Payment to acct not credited

Complaint:
This was a request to send a certified original copy of a clear title to the above named owner of the XXXX Dodge Ram 1500 ; XXXX XXXX XXXX. According to transactions records from the trustee 's office, the claim has been satisfied with the amount of {$2000.00}, additionally, a XXXX vehicle ; XXXX HYUNDAI XG350 has a court order removal as of XXXX/XXXX/XXXX and was surrender following an accident. Police reports indicate the title owner was notified and the vehicle was taken to storage. 

On XXXX XXXX, XXXX, Check into Cash was called and XXXX spoke with XXXX XXXX. XXXX denied the vehicle was removed from bankruptcy and continued to state the trustee is sending payments for he XXXX Hyundai and the amount owed is {$800.00} and the amount for the Dodge Truck is {$1500.00}. 

Attached please find trustee completed payments, and court ordered surrender collateral. Please be aware that violations under bankruptcy codes are subject to a federal a law suit against creditors, which will include penalties and payments of attorneys ' fees. 

Honorable Judge XXXX XXXX XXXX ; chief of the XXXX District Bankruptcy Court in Texas will be notified of creditors unwillingness to comply with court orders.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: Amsher Collection Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
After reviewing my credit report, saw a collection activity by Amsher collection Agency., Its for a XXXX cell balance I paid for in XXXX 2016. 
I 've disputed this bill thru the credit agencies XXXX and XXXX. I supplied the payment information. 

But I 'm still getting phone calls from Amsher. 
I want the harassing calls to stop and any and all collection remarks for this bill on my credit reports that I paid last year to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: Amsher Collection Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Letter received from AMSHER requesting a payment from a debt they say I owed, they are a collection firm. I sent a letter to AMSHER within the 30 day time period, requesting further validation of this alleged debt and received no response. I did see an entry on my credit report that this is listed as a collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: Selene Finance LP
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
We we prey as first time home buyers that were not represented at closing so did not fully understand any of it. No disclosures on the issues of the home. The loan was through XXXX XXXX and XXXX who closed due to fraudulent loans and so our second payment ever was rejected back in 2009 the loan has transferred XXXX and no they are foreclosing since we ca n't afford an attorney we are lost with no options. Except the fact the original loan was predatory. We would like to have a payment reduction and a chance to keep our home. Please help.. Are issue is consistent with all the following descriptors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Netspend Corporation
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
XXXX I loaded XXXX on an all access card and they're not letting me use it .. or activate it... They gave me a new account name and password to use now I can't use the XXXX bonus I was awarded.

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