BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-30
Company: JPMORGAN CHASE & CO.
State: IN
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Deposits and withdrawals

Complaint:
I have a Chase business checking account. I paid a young couple for XXXX XXXX dollars by check on that account. When they cashed my check at my Chase bank they were charged XXXX dollars for using my money. 
This kind of banking targets those in our society who can least afford it and who probably least understand this kind of banking. 
Actually I do not understand how my bank can profit off my money. 
I am sure this is " legal '' it is not moral.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: JPMORGAN CHASE & CO.
State: NV
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have a mortgage account with Chase. I opened this mortgage account on XXXX 2005 right when the economical crisis happened. During all these years, I had tried multiple times to apply for a long modification without success. In several occasions my husband and myself were unemployed documentation was provided but the loan modification never was approved nor solved. Recently I have been diagnosed with XXXX XXXX and again another hardship in my life. 
I had never been late nor in default because of fear to loose the only shelter I have. So far I had disbursed to Chase more than the property is worth during all these ten years of the existence of the mortgage loan. 
I am trying to get into an agreement with Chase and to cancel the loan since I had paid more than the property is worth. 
Chase has ignored my concerns and request. 
I found out that Chase paid on my behalf for property taxes that were never late nor deliquent just because I applied for a modification. I do n't have a written document for escrow account however Chase had opened an escrow without my authorization. While reviewing the loan as a whole I noticed that chase was charging me fees that never incurred. 
I need to address this concern and I want justice for the misrepresentation of Chase, forge documents and false statements. 
I am a consumer who had provided enough money to chase who does n't deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: National Credit Adjusters, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was reviewing my XXXX  credit report today XX/XX/2020 and noticed a collection was added to my report in XX/XX/2020. I have never heard of this company and have never done any business with them. Furthermore, I never received any dunning letters in the mail from this company giving me the right to dispute the validity of this debt which is a violation of my rights. Not being allowed this opportunity prevented me from disputing this inaccurate information before being placed on my credit report. I want this account deleted from my credit report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I recently received a bulletin from my Financial Advisor stating that CFPB is encouraging major lenders via credit cards to freely provide Credit Scores on their credit card statements or on-line credit card access. Chase Bank has mad a XXXX attempt at complying with the request. When I inquired about my credit score being available on my statement or on-line, I was informed by XXXX XXXX in the Customer Care Department that they have complied with the request by offering the service on only XXXX of their many credit card types. The particular card is a " Slate '' card. She offered me an opportunity to apply for a " Slate '' card account which I turned down..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Filo Mortgage, L.L.C.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a 30 year conventional loan with Filo Mortgage. I was approved after signing all the documents and giving them all what they demanded. 

As part of the application, I asked for and was given a rate lock form, which both ( loan officer ( XXXX ) and I both signed ). This is a XXXX XXXX XXXX  mortgage interest rate lock agreement form. I locked in the rate XXXX with the option to float down for free if the rates drop. This was essential to the whole process. We signed the rate lock form on XX/XX/2022 My closing date for the loan is on XX/XX/2022. On XX/XX/2022, XXXX  asked me to call him in the morning which I did. He told me he " forgot '' to lock in the interest rate even though we signed an agreement form to this effect. He felt bad about it and offered to send me a personal check each month for the difference in what the closing rate will be when compared to the XXXX that we locked in. 

I asked him to provide this in writing but he said he couldn't since this was a personal thing he was doing to make up for his mistake. At the same time, he told me I could pay for points to get to the XXXX. I then asked him to instead make that payment to get me to the XXXX since there's no guarantee he will continue to send that personal check after we close the loan. If he wins the lottery after we close the loan, leaves Filo Mortgage LLC and decides not to send me a check, there's nothing I can do about it. He also offered to enroll me in a Filo program which will pay for all fees for me to refinance when the rates go down. He called it Filo forever or so. 

The lender doesn't trust me when I applied for the loan. They had to get a credit report on me, plus reach out to my HR to verify my pay and a whole lot of checks. Yet, XXXX wanted me to believe he will send me a monthly check to cover the difference without any contract to this effect. It might be genuine but without legal backing, it's unenforceable. 

I've reached out the Loan processing officer ( XXXX XXXX, via email and a phone call ), to the CEO of Filo Mortgage via XXXX XXXX. I haven't heard back from them. 

I let my realtor know what is going on. Apparently the seller or my realtor had reached out to XXXX to make sure all was good to close on XX/XX/2022 to which he said it was. To get this sudden surprise on XX/XX/2022 wasn't good. It's almost as if the plan was never to honor the rate lock agreement. I stand to loose my earnest money and all if this process fails. 

I will appreciate it if CFPB can reach out to Filo Mortgage to right this wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I obtained my XXXX credit report on XX/XX/XXXX and saw I had a Chase credit card XXXX when I was XXXX. I called Chase, the informed me the card I called about is a Chase Freedom card with a XXXX limit and that I was an authorized user. They mailed me the card, I activated it, confirmed my identity, and was told I could use it. I used the card to make about {$7600.00} worth of valid purchases on XX/XX/XXXX. On the evening of XX/XX/XXXX, the card was locked by my father, who was the primary account holder. Chase refused me access to the account, I reported fraud to their fraud deparment. Chase informed me that they mailed XXXX credit card in my name to my father 's address, where I have n't live in over two years. Chase never spoke to me about my cards until I called on XX/XX/XXXX. I called on XX/XX/XXXX, I attempted to make payment arrangements for the charges with Chase, and they refused. On XX/XX/XXXX my fiances car was repossessed because XXXX XXXX received a call from Chase that the payment I gave XXXX XXXX and was authorized to make by Chase was fraudulent, and Chase reversed the charge. When I called Chase, they informed me that my father took me off as an authorized user. Chase refused to give me past bills and proceed with my identity theft charges. They informed me I need to inform the PA State Police, which I did, and need to submit proof of identity, and a power of attorney and affirmation to show I am over XXXX. Chase has refused to honor the purchases I made, and said that I can not gain information on any cards that were and are in my name and any and all charges associated with them because I no longer have access to the account. Chase told me I have to wait until XX/XX/XXXX to talk to their litigation department.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, INC.
State: GA
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:
These accounts are found to be inaccurate and can not be verified. See attachment. 

XXXX  acct # XXXX XXXX acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Credit card
Issue: Delinquent account

Complaint:
I 'm an authorized user on this account and when the primary stopped paying as agreed, the credit card company is reporting negative information on my credit report. As an authorized user, this should not be reflected on my credit only on the primary 's credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Rewards

Complaint:
I have the XXXX XXXX XXXX XXXX credit card. I keep getting email and mail marketing pieces saying I can get XXXX bonus miles if I refer a friend to open a XXXX credit card, and the friend will get XXXX bonus miles. TWICE I have attempted to submit my husband 's email address into their online form, which is supposed to prompt XXXX to contact him to open his account. He has NEVER received any information about how to open his account. If I call XXXX they say it 's related to the credit card and they ca n't help me. If I call XXXX they say they ca n't help me because they have n't received the request to open an account for my husband ; the only thing Customer Service can do is forward my comment to the Marketing department, which does not accept inbound calls. Needless to say, the Marketing department has never called me back. It seems as though the offer to receive XXXX/XXXX bonus miles is false advertising, because it is n't actually possible to receive the miles because we ca n't open a new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited a check in XX/XX/2016 for {$300.00} for some freelance work I did for a client. The client reached out to me in XX/XX/2016 and told me that the check had been deposited a second time in XX/XX/2016. I investigated and found out the check was stolen from my car during a car break in and so the second deposit was made by the thief. My client told me they would file a dispute with their bank and try to get this sorted. Fast forward to today - I checked my bank account and found out that my bank had charged me {$300.00} for the double deposit from XX/XX/XXXX. So basically I did n't receive a cent from the funds and instead now the thief has all the money. I talked to my bank and they said they can not resolve it - only the check issuer 's bank can fix the problem. Unfortunately, my client told me that they already issued the dispute bank in XX/XX/XXXX and this is the result. I really do n't believe they would be willing to help me file another dispute to try to fix this and get me the money back. I have attached documents of both the original check deposited in XX/XX/XXXX and the fraudulent check deposited in XX/XX/2016. The fraudulent check has a FORGED signature on the back and you can see that the original check deposit did n't even have a signature on the back. I am now a victim of fraud, robbery, and forgery! Please help me get this money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: EQUIFAX, INC.
State: ME
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: Other problem getting your report or credit score

Complaint:
On XX/XX/2020 I decided I wanted to start working on my credit score. I was able to create an online account with both XXXX  and XXXX  with no issues. When I tried to create an account with Equifax I got this message : " We can't complete your request at this time. Please call the Customer Care team and mention error code NH. '' The number listed to call was XXXX. 

I called that number and after spending 10 minutes with the automated system answering different questions I finally spoke with a gentleman who only spoke very broken english. He told me that in order to create my account I needed to fax my driver 's license and social security card to Equifax 's fax number at XXXX, and to include a brief description with my name and why I was sending it in. I did that immediately following our phone call. 

Quite some time had gone by with no further contact from Equifax. Today, XX/XX/2020 I decided to call Equifax. Again, I spent 10 minutes with the automated system, and again spoke to a woman with very broken english. She looked into my account and could not find my documents. Naturally, this is very concerning to me considering the nature of the documents I had to fax in. I did confirm with her that I had changed my full first, middle and last names a couple years ago which explained why I needed to do this in the first place. 

She told me that there was no way for her to track down where my documents ended up. She could not provide me with a department name or phone number to call. When I asked to speak to a supervisor she put me on hold and never came back to the line. 

Normally I would not be upset however this encounter is really disturbing for me. I have no way of knowing if an employee at Equifax stole or misplaced my very sensitive documents and there is nobody in the call center who can help me track down where they might be. I know for a fact that my fax was delivered and received because I still have my fax confirmation. If it had failed to send I would have gotten an error instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
there are a couple of things that are incorrect on my credit report and it is affecting me negatively

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo employee XXXX, a Market Support Consultant violated my financial privacy when she provided account history for my home equity account to a third party and testified to the fact in open court without receiving consent from the account holder or acting on behalf of court subpoena. This occurrence took place XXXX XXXX, 2013 in the XXXX, Maryland. Room 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 explanation
Consumer complaint received 2017-06-07
Company: Convergent Resources, Inc.
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX Claims I owe a XXXX bill, I do n't use XXXX I use XXXX 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 explanation
Consumer complaint received 2022-09-16
Company: CITIBANK, N.A.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I would like to file a complaint against the Citi Bank regarding my Citi Premier Credit Card. 
- In XX/XX/2022, I used my credit card to buy an international flight ticket online. My transaction was declined. I missed the chance to buy that ticket and had to use another bank 's credit card to buy a more expensive ticket. 
- In XX/XX/2022, I called Citi Bank 's customer service to request unlocking my credit card. 
* They asked me to provide my phone number to verify, I did. They could not verify it ( although it was the phone number I was calling them ) * They asked me to provide another phone number to verify, I did provide my husband 's number. They could not verify although my husband phone was still on. 
* They asked me to provide another phone number such as one of my relatives or friends. I could not because no reason to bother. 
* I asked them if they could use my registered email ID to verify. They said they could not use email. 
* They said that they would mail me a code to call them again to unlock my card. 
- In XX/XX/2022, I paid off my balance of {$1400.00}. The transaction was processed. 
- In XX/XX/2022, I called them again to let them know that I had not received any mails for the Code and requested them to unlock my card. 
*They asked me if I had a mailbox. Of course I did *They asked me if I checked my mailbox time by time. Of course I checked it everyday. 
*They told me that they would mail another letter and asked me to wait for another 5-7 business days. 
*I asked them to expedite the mail ; They said that regular mail was the only option. 

I understand that they may use models to detect potential frauds and the models may have false positives. However, it was unbelievable that it took so long and complicated for them to solve just such a simple issue to serve customers. They offered customers bonus points if spending at least {$4000.00} in the first 3 months, but locked the card for 2-3 weeks for their models ' false positive.

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 2015-08-28
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have applied for a modification numerous times with Greentree due to hardship. For years, they have lost my paperwork requiring me to repeatedly submit the paperwork again. My house went into foreclosure as a result. I kept applying for a modification. Again, they claimed the packet was stale though it was submitted on time in mediation. They told me I was denied for XXXX, but never provided a reason or any written denial. I should have qualified according to the rules. They later offered a streamline mod, but mailed it to a wrong address. Because of this, the deadline had past. I consulted with an attorney who advised me to request a new letter with the corrected information otherwise it was not a valid offer. I explained this to Greentree and they refused to reissue a new offer with the corrected address and dates on it. Instead, he ( supervisor XXXX ) demanded payment and stated " the offer is valid today, but could be off the table tomorrow '' though I informed him the other rep. ( XXXX ) stated it was valid until the end of the month. My address had never changed to begin with. XXXX they sent info to a wrong address. Greentree lawyers were informed this via emails and in mediation the first time they did this. They refused to reissue a new, corrected letter then too though the offer date had expired. 7 months later, it happened again. They ca n't send me any important paperwork, instead sending it to a wrong address, yet can continually leave notices on my door to contact them. They have been nothing but rude and harassing. They contradict themselves and give you the run around any time you ask for help or try to get answers. They have been a nightmare to deal with. They should be shut down and put out of business. They are not abiding by federal guidelines by trying to help people stay in their homes. If we lose ours, it will be because of them and the games they play.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX mortgage payments were given at same time. Called to get half back and they did not process request. Called numerous times with several different reps and supervisors and no one could help or give answers. After a week and a half they submitted it again. Customers can not talk to anyone above the rep level and if you get forwarded to a supervisor, none of them answer, there is no voicemail, and they do not respond to online messages. Bad business

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23
Company: Ditech Financial LLC
State: MN
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech has obtained my XXXX mortgage ( Home Equity Line of Credit ) which has a balance of {$30000.00} and at a current interest rate of 4.1 % for 180 months and sent me a payment due on XXXX/XXXX/15 in the amount of {$270.00} I ran an amortization of that amount and the payment should be {$220.00}. I contacted Customer Service and spoke with XXXX on XX/XX/XXXX and got no response. I contacted XXXX on XX/XX/XXXX @ Ext XXXX and was promised a response ASAP and no response I contacted XXXX on XXXX XXXX and still no resolution. I contacted XXXX on XX/XX/XXXX and she said she was sending an email to XXXX and her supervisor and I should hear back that day for sure and NO RESPONSE.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation