BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-15
Company: JPMORGAN CHASE & CO.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I received a voicemail on Thursday from XXXX in fraud services. I called back with the extension she left on Thursday, Friday and Monday and left a message. No return. Today I called and left a message at a different extension for XXXX XXXX and no return call. The account is fraudulent and no surprise I have such a hard time getting info from them when they can not return the call. They have not provided me any validation with my signature after multiple requests through certified mail

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I received a letter from Experian dated XXXX XXXX, 2015 stating that i needed to call them directly as they believe my dispute by mail was suspicious. After speaking to XXXX of there representatives and providing proof that they are reporting wrong personal information, they still claim to have verified my inaccurate information and will not remove it. I asked for proof of there verification and they will not provide it to me. They are also reporting inaccurate and unverifiable accounts and they will not remove them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I went through a divorce and fell behind on my mortgage with Chase. My home is also my business XXXX out of my home and have for XXXX years. They agreed to do a modification & started modification in XX/XX/XXXX in the event my ex-husband quit claimed off. He refused and I had to hire an attorney to force him to quit claim off since I was awarded the home in the divorce. Chase filled a NOD on XX/XX/XXXX all the while telling me everything would be fine once the quit claim was recorded. Quit claim was recorded XX/XX/XXXX I immediately sent them a copy & they asked for updated papers & sent those too. Time goes by I check in they say its in review. For months this went on. Review, Review, Review!! They filled a NOS XX/XX/XXXX and told it 's fine not to worry. This is dual Tracking in California. On XX/XX/XXXX they sent me documents telling me I do not qualify for a modification & my options are Short Sale or Reinstate & letter has to be sent by XX/XX/XXXX. Giving me no time to move my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: JPMORGAN CHASE & CO.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I received a message from XXXX company who said it was attempting to collect a debt I owe. I called the number back who said it was a non working number for Chase. This same company left a message on XXXX other phone numbers that have never been associated with any account I have. It was disclosed on answering machines/voicemail that they were attempting to collect a debt from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Issue: Privacy

Complaint:
I am writing about the privacy notice I received along with my new Chase credit card. The notice informs me that I have the right to " limit '' the personal information about me that Chase shares with its affiliates and non affiliates. My concern is that the document never defines what it means by " limiting '' the information it shares. What does it mean to limit sharing? How much of my personal data will still be shared if I opt in to limit sharing? Given the language is so vague I am assuming they are still sharing some information about me with these parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: Flagstone Financial Services, Inc.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Mortgage Company ( FLAGSTAR ), We were engaged in the selling/short sell that change to a foreclosure without any apparent reason? We were not allowed to email and information and kept having to re-fax the same information over and over, until they stated it was too late? They always said " they never received the information and gave us numerous fax numbers. We sent the short sell contract to them, address changes ( divorce ) and kept showing and maintaining the property all the while. Next thing, we find a foreclosure notice, locks were changed on the home ( with furniture still inside ). The recovery company ( new locks ), kept sending the keys to some other address, then we got a Sheriff 's Sale notice. We 're not able to get our furniture and now, this is preventing me and my new wife from getting a loan. This was during a low point in my life ( divorce ) and I just did think anything could be done. Although, by the grace of XXXX our current mortgage told us about you and that I may be able to get some sort of justice. I am just trying to fix my credit and life. Please, let me know what can be done. I want it removed totally, if at all possible. 
XXXX Bless and thank you, so much in advance for whatever you can help us with. 
XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-01-23
Company: AUTOMOTIVE CREDIT CORPORATION
State: VA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been contacted by this company multiple times. The company they are trying to sue for is not on my credit files and i never owned a vehicle with the company in question. i went and submitted information to get a car years ago and never got that car from the company ( ended up getting a car from a family member ). it states i owe for the car but i do not owe. i disputed on my credit ( XXXX bureaus ) and which it was removed from all and would like this to be removed as they placed a public record on my account for a debt i do not owe. they also never let me know of the judgement as i looked up the paperwork and was sent to an address i have not lived at in 8 years. I live in XXXX, VA not XXXX, VA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card
Issue: Transaction issue

Complaint:
I went to a local business in XXXX, Nevada ( XXXX ) to pay for a service rendered on a ring. When I tried to pay with my Chase-XXXX Visa credit card I was refused because the company said they will not accept a credit card with rewards. They said they require a minimum of {$20.00} to use a credit card and it can not have rewards. My fianc had to use her card, which was embarrassing. Then the company said they needed to write down her drivers license information when using a credit card. This worries us greatly from a identity theft aspect. I contacted VIsa and was told to register a complaint because neither of the XXXX requirements was not allowed when making a purchase in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: JPMORGAN CHASE & CO.
State: IL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I have advised Chase on a few occasions that I do not wish to receive any contact from XXXX, every time I speak to them I have a headache. For health reasons, I ca n't have any contact with XXXX. I do not have a good view of this company and I wish there was a thorough investigation of this company. There are numerous complaints against them online with the same complaints about them giving out inconsistent information. I have filed a complaint against them in Illinois due to them collectiong on student loans from XXXX XXXX XXXX ( XXXX does not have own these loans ), they have to proof that they actually own the rights to collect on this debt which they did not provide to them at anytime. My due date was changed from XXXX to the XXXX without me knowing that. The XXXX does not work for me and all of the other loans are due on the XXXX. Why is my due date being changed, I went through this issue before and Chase did correct that issue. I need my date changed to the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: JPMORGAN CHASE & CO.
State: WV
Product: Credit card
Issue: Billing disputes

Complaint:
I secured a Chase XXXX card for an immediate family member with mental issues. He lives eleven hours away from me and has been stranded a couple of times. I wanted him to have an emergency credit card with a {$300.00} credit limit knowing that he was unable to responsibly handle a higher limit. On XXXX XXXX, 2016, I checked on line and discovered that he had charged {$360.00}. I immediately called Chase and was told that they allowed some overages as a courtesy, and I was told that my family member could not charge anymore until the card owner made payments that brought the balance to under the {$300.00} limit. Therefore, I did n't check online again until XXXX XXXX, 2016, when a got a text alert that the card had been used again. When I checked the balance on my {$300.00} credit limit card, it was now {$1000.00} including pending charges! I immediately called Chase again, and I was told that, at their discretion, they could allow charges " somewhat '' over the credit limit! This was over three times the credit limit not to mention that their discretion does n't matter to me for I am the customer, and it was my discretion to limit this card to {$300.00}. They did not fulfill their obligation. In addition, I have a text alert set up to notify me if the balance ever exceeded {$500.00}. I received no text. Again, they did not fulfill their obligation. I should not have to pay any charges over the {$300.00} credit limit and want to file a formal complaint against Chase. Setting up a credit limit of {$300.00} gave me financial security but, at their discretion, if Chase can approve charges 3 times that, what 's the point in having a credit limit?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: JPMORGAN CHASE & CO.
State: AK
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
JP Morgan Chase entered into a Cash-for-keys agreement with me and I feel has now defaulted on our agreement and refuses to forward funds to me that were promised in our agreement. I feel that their representative misrepresented the facts of the case and I need a successful resolution to this problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-01
Company: Ditech Financial LLC
State: KY
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am being called repeatedly because my name is the same as the debtor. I have called and provided the last XXXX of my social and the system has been updated repeatedly, but yet the calls keep coming up to 4 times a day. The issue should have been resolved last XXXX and the phone they are calling is used for my XXXX business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: Ditech Financial LLC
State: AR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I went thru the process of deed-in-lieu win XXXX. My house was financed with Greentree Mortgage. One department would tell you to make your payments or your deed in lieu would n't be approved. After several months of this, I found out that was not true and my credit was ruined anyway. I could have saved the money and fed my kids. So in XXXX XXXX, I received a XXXX. The tax accountant filed and I thought I was done. Then on XXXX XXXX, XXXX, I received a XXXX from Ditech Financial for XXXX. First, is the deadline to send not XXXX XXXX? Now I have to go back to an accountant and pay additional money to amend a return. I do n't understand why it took them so long to send and why I keep losing money after the shame of having to give my house back due to a horrible divorce.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Ditech Financial LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/XXXX I mailed via CERTIFIED mail, the XXXX XXXX mortgage payment of {$990.00} to Ditech for loan number XXXX ( Addressed to : Ditech, XXXX XXXX, XXXX Ca. XXXX ) It arrived on XXXX/XXXX/XXXX and no one signed for it, it was returned to XXXX and then sent back to Ditech, it arrived on XXXX/XXXX/XXXX and no one signed for it. I called Ditech on XXXX/XXXX/XXXX after I discovered both payment we had sent via certified mail had not been signed for, XXXX ( ext XXXX ) could not say why. I went online and paid for XXXX mortgae, but as I am in a almost 2 year dispute with this loan ( They say the loan has a {$290.00} back owing, but they have never been able to point to where this originates from, and I have paid in full cancelled checks for every mortgage payment ), so she told me to hold on paying this XXXX and she would call me back. On XXXX/XXXX/XXXX I received a statement that says I owe {$3000.00} with {$700.00} in suspense, I tried to go online and make a {$990.00} payment for XXXX, but the electronic payment amount is prefilled in as {$1900.00} and will not allow a lesser payment, so it does not allow you to use the " Funds in Suspense ''. I called and left a voice mail for XXXX, who has never called me back. I also now have a late fee for the XXXX payment they refused to sign for. I do not owe anything but the XXXX XXXX payment as of this date AND that is ONLY because they did not sign for the certified mail. They have NEVER been able to explain where the {$290.00} originated from.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been unemployed since Late XXXX. I applied to Green Tree Servicing my mortgage company in XXXX for mortgage assistance for my FHA loan. I was denied assistance even though i provided proof of unemployment. I appealed and was again denied and told that i was in not in immediate danger of default. I am concerned that no matter what paperwork i provide Green Tree intends to foreclose on my home. I was told that i qualify Unemployment forbearance by XXXX Green Tree Account representatives but when i asked for details i was told to wait for a final decision by loss mitigation. I m now on the XXXX account representative and i still do n't have a decision. i was able to stay current on my mortgage up through XXXX. It is obvious that the mortgage company makes a practice of advertising HAMP and HARP programs while intending to push everyone to a foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Been months nothing handle I only get a email saying still working on it and nothing still being done! No courtesy call follow up nothing!! Next step getting a attorney for this matter!!! 
I Have been a Bank If America Customers for Years And to be SCAM AND TO CALL MY BANK FOR A RESOLUTION AND NOTHING TO BE DONE IS A DISASTER Originally through XXXX I got connected to a vendor who was supposed to send beverage delivery! Which I was then referred to continue to contact him through XXXX! After Paying him my money he dud gave me a tracking site saying track my delivery here so when I kept lookinh I gad to send more money because the site showed port fees etc everytime it showed yes I was anxious I sent the money!! After the last error it said send more I begin to question! Even got in reach with port who advised me not to send more money looks lime a scam! I got in reach with my bank who suppose to be my safe haven to dispute the transaction and to get my money back however looking I show one as not approved and still waiting on others!! How can I bank you bank with for years do this??? You think I wanted to get scam?? No I work hard making a day to day living but to be sc by a scammer and to not have the bank give you your money back is a disgrace like they don't even care!! I need this resolved and I need All my money back this is so sad I have to even do this! This suppose to be your bank and not even getting through with getting this issue resolved!!!! The last rep I spoke with seem to be a bully like she didn't even care for my problem! Something needs to be done I need all my money back I shouldn't be told could take months Im living day to day with my kids my family I work hard and cant afford to be scam and especially have my bsnk do nothing!!!

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 2015-08-25
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I HAD AN ACCOUNT WITH FLORIDA POWER AND LIGHT WHICH WAS CLOSED ON XXXX/XXXX/2013 AMD PAID IN FULL. I SOLD THE PROPERTY ON THIS DATE AND PAID THE FINAL BILL I WAS SENT. XXXX STATES I OWED XXXX DOLLARS DUE TO BUDGET BILLING HOWEVER I WAS NEVER NOTIFIED AS THE PROPERTY I WAS SOLD I NO LONGER LIVED IN. XXXX DID NOT EMAIL NOR ATTEMPT TO CALL THE PHONE ASSOCIATED WITH THE ACCOUNT AND SENT THE BILL TO COLLECTIONS. AS OF TODAY I PAID THE REMAINING AMOUNT ION FULL HOWEVER XXXX STATES THEY WILL NOT REMOVE THE COLLECTION FROM THE CREDIT BUREAUS. 

NOTE : I WAS NOTIFIED OF COLLECTIONS VIA CREDIT KARMA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
filed a dispute an never got anything in the mail or email

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 2016-12-10
Company: Ditech Financial LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
DiTech Financial LLC, opened an Escrow account nearly a year into servicing my loan ( which was never requested at the time the loan was originated ) for our Property & Casualty Insurance we pay in full. As a result, I had to call them and pay the balance down to XXXX, then was told I had to submit in writing a request to close this account. Again an account I never opened, but now I had to go through extra work. 
Furthermore, two months after I assumed this had been resolved, I was sent paperwork saying that I would be hit with a late payment because they did not understand what to do with the funds we sent from our insurance company to close the Escrow account they opened. 
This has caused me to spend several hours calling DiTech, and the complete inconsistency of " customer service '' has caused me to waste time, was charged late fees when I 'm working to get corrected and may have impacted my credit because they ( DiTech ) did not apply my payment properly in their system. We are presently refinancing and can not wait to get away from them!!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: Alliance One, Inc.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Alliance One is a contracted debt collector of the state and more precisely XXXX XXXX XXXX. They claim that I did not pay on the XXXX of XXXX, and I can actually prove this with the recorded phone calls and my bank. The unfortunate outcome of this is that I will have to pay XXXX dollars to keep my license, which I need in order to get to work to even pay any of this money. They have made false statements saying that I did not submit it until the XXXX in order to force the money out of me more quickly, when I have no way of being able to pay that amount. This is very predatory and should be looked into. They have basically lied to me and are being allowed to punish me legally for something that they had wrong. It is n't my fault the company made mistakes, and I will not be defrauded in order for them to make an extra bonus for collecting a debt that is wrongfully being presented. I will now not be able to pay any of the money to them. My name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX Wa XXXX. I am planning on filing a Complaint and Summons by myself for predatory lending practices under the Consumer Protection Act and ask for damages in the amount that I would make in a years wages. Please look into this.

Company response to consumer: Closed with explanation