BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I disputed  XXXX  accounts which came back verified without any verification sent to me in the mail showing any kind of contracts with the people who placed the accounts on my credit which are  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  My contracts were cancelled with them Over 30 days ago I also disputed inquires on my report in which I did not authorize I contacted the companies and they stated that they did not have a way to remove the inquires because I do not have an established account with them  XXXX    XXXX    XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX     XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX  So I am filing a complaint again asking for the same thing once again

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: JPMORGAN CHASE & CO.
State: RI
Product: Credit card
Issue: Other fee

Complaint:
I just returned from almost 2 weeks ' travel in XXXX. The practice is now common for handheld POS devices accepting XXXX ( U.S. ) credit cards to offer to charge the card in XXXX dollars or local currency. But the terms state a usurious exchange rate for the consumer who chooses U.S. dollars. Also, the ability to decline the exchange and use local currency is often not clear from the instructions : either the instructions confuse " decline '' the exchange rate with " decline '' the transaction, or they ask for multiple ambiguous verifications before allowing the consumer to decline the exchange rate. That said, the worst problem is this : The merchants often maintain physical hold of the POS device, even out of sight of the consumer, as at a restaurant, and the merchant ( unwittingly ) accepts the usurious exchange rate on the consumer 's behalf, thinking he or she is doing the customer a favor by employing the customer 's home currency. This practice on the part of the banks is abhorrent and allows them to reintroduce hidden foreign transaction fees through the back door. When the merchant consents to the usurious exchange rate, that is not my consent, but I have no ability to combat it. I have receipts from this trip to demonstrate money lost because of non-consensual currency exchanges. But I have no recourse against my own credit card bank, because it is not responsible for the device software. I have no recourse against the credit service provider ( e.g., XXXX ), because I am not in privity with the provider. Only CFPB action can put an end to this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I owed a credit card company a principle amount of money in XX/XX/XXXX. In XX/XX/XXXX they filed against me in court. I never received a letter of documentation stating I was being sued. In XX/XX/XXXX they began collecting and so far I have paid out almost 4 times the principle amount plus interest and I continue to have my wages garnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card
Issue: Billing disputes

Complaint:
I have contacted Chase several times that I do not owe charges to XXXX XXXX Gift Cards. They claim I never returned them, I provided a tracking number that I did. They claim I used them, I showed proof of the gift card denial of charge at a merchant. I filed a dispute back in XX/XX/XXXX and they tried re-billing me four months later. Then they tried rebillingme for another charge two months ago. The charges were approx. {$5000.00} each, totalling {$25000.00}. I am very upset and this is not fair. They have 60 days to resolve my dipsute which they did resolve it in my favor. But now they changed their mind by re-billing me and saying that they are valid. They even sent me a letter saying that they were resolved in my favor. This was on XXXX different credit cards XXXX ending in XXXX and XXXX. They can not re-bill me four months later and nine months later. I have even contacted them more than multiple times. They told me they 're closing down my credit cards with them and ending my relationship because of false disputes, which I did not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Dear Chase Bank, I am submitting a claim on my credit card because I have been scammed. I was lead to believe they were going to try to help me with a Federal Grant. I was going to try to help out my sister because she has been out of work for several months, help my son get on his feet with a business, help pay on my credit cards because I have been helping my son and daughter out, etc. This company has pulled funds from my credit cards to show that I my credit cards are exalted. They have pulled funds with the following information and dates : XXXX/XXXX/2016 XXXX XXXX XXXX {$5000.00} XXXX/XXXX/2016 XXXX {$2000.00} Please reverse these charges as I do not except these charges. Please Help Me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-09
Company: Synovus Bank
State: GA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX   XXXX   XXXX   XXXX   Synovus Bank. customer service  XXXX  Dispute resolution department  XXXX .   I disputed  XXXX  fraudulent charges on my credit card statement  four  times.  XXXX / XXXX /   17,   XXXX / XXXX /   17,   XXXX / XXXX  /17 and   XXXX / XXXX /   17. Th e amount of the  XXXX  charges is {$80.00}.  Synovus s aid the dates of the transactions are outside of the dispute time-frame and will not refund the disputed fraudulent amount, which I have paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: Franklin Collection Service, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Franklin Collections i n  XXXX   MS..  XXXX   hospital     {$210.00} ... informed her that I could n't pay until later thus month and she told me that they needed a payment this week, that they could n't hold it any longer. Then she asked me for my address. So I hung up. Next representative was rude as well and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: Navient Solutions, LLC.
State: FL
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:
According to my most recent credit rep orts, Navient  has re  ported two student loans ( one federal, one private ) as receiving late payments. This is inaccurate.
According to my reports from all   XXXX    credit reporting agencies, I had two   payments 90 days  late in  XX/XX/XXXX . Ac cording to the Navient service rep and my account history, this reporting was caused by the system marking me  90-days la te a s of  XX/XX/XXXX this  date is less than  six w eeks from my leave from   XXXX     XXXX  University , and marking me again as 90 days late on   XX/XX/XXXX this    date is less than 90 days from the prior reported date and well before the end of the 6 month grace period that should have been in effect after I left  XXXX    XXXX   University i n  XX/XX/XXXX  .     These items did not appear on my credit report until this year, which is odd, since they were not reported at the time of alleged late payment. These items furthermore do not match the records in my Navient history. I have made on time, auto-pay payments consistently since I began repayment and have an otherwise perfect payment record. I am not sure why these are reported as la   te years after the fact. I sent a dispute letter to Navient    on   XX/XX/XXXX  .  Navient responde d that they had investigated and confirmed the accuracy of the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: LoanCare, LLC
State: FL
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:
Mortgage was transferred to another bank and incorrect charges were applied to my payments. I was in contact with the bank for almost 6 months and then they reported me to the credit bureau. I attempted to refinance my mortgage and found I had been reported as delinquent by 30 days for  XXXX  and  XXXX    XXXX  . I have since received a letter from the company apologizing and stating they will notify the credit bureaus within 90 days. I need this resolved as this is the only adverse information on my account and I need to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Chase bank continually back dates ACH transactions so that they can charge me overdraft fees. I make payments to come out the day that I get paid and they always backdate the payment to the day before I get paid. They then charge me {$34.00} for each overdraft fee. They also continually put larger transactions through before smaller transactions so if I do get an overdraft that they can charge me {$34.00} for each transaction evenn if its only {$5.00}. These are predatory practices. I have been suffering severe medical issues lately and they have also taken away my ability to make mobile deposits on my checking account. It is dificult for me to get to the bank to make a deposit there. I believe this is another attempt for them to maximize their overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Other

Complaint:
I bought an LG dishwasher at Best Buy with my Chase Business Ink MasterCard. About 1 month later, it was on sale at Best Buy for {$130.00} less than what I paid. One of my card benefits is Price Protection. I filed a claim for the {$130.00} but it was denied because they say a dishwasher is real estate so it is excluded

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NJ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I was frequently solicited by mail from One Main Financial. The advertisement 's were usually offering same day loans of {$10000.00}. I would take  XXXX  loans from them from and pay them off immediately as the interest rates are in the are of 27-29 %. The third loan I took from the company was in 2013 and would be for {$5000.00}. I paid   XXXX   XXXX   of the {$5000.00} immediately and this covered my monthly payments from  XXXX  to  XXXX . In  XXXX  I would go a few days without phone service after my cell phone broke. My loan was not even a month past due and One Main representatives called my Mother, Uncle and my job and discussed the debt in detail with my relatives. This being a direct assault on my privacy rights as a consumer I phoned them and told them they what they had done and responded by telling me I have done this to myself. I refused to pay after this violation of my rights and personal damage done to my personal relationships and One Main is attempting to sue me for the amount past due plus {$460.00} in interest. These predatory lenders are unjust in their practices and in complete violation of The Fair Debt Collection Practices. I previously worked as a collection agent and am appalled at their tactics and would never discuss a debt to someone other than the debtor much less for a payment less than three months past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have tried several times to repay these loans but we can not reach a fair payment that the lender will agree on. I have XXXX small children and can not afford a $ XXXX/monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: General Service Bureau, Inc.
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company was awarded judgment against me in  XXXX . From that time until just  XXXX  weeks ago, they have NEVER notified me or attempted to resolve this issue, however they are now taking me back to court, and refusing to provide original debt records, or offer any assistance to pay/settle the debt, if it is mine.     I 've spoke with  XXXX  and  XXXX  who are both worthless.  XXXX  advised that if I did n't pay the balance in full they would be taking my paychecks in whole. The calls are recorded-so I demanded a copy of the records, which he advised " that 's none of my business ''.  XXXX  was no help either as again, they wanted me to make a payment just to show the judge that I did pay, however no payment has been done because I 've never received verification of this debt all the way from   XXXX   to  XXXX . You mean in  XXXX  years, you never tried to collect anything, but are wanting to take me to court? Verify the proof of debt and allow me an option to pay for it, as THIS has NEVER been done. I 've lived in the same city for the whole time and again they have NEVER communicated anything to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26
Company: Westlake Services, LLC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I started a contract with Westlake Financial Services on XXXX/XXXX/2013. Since then they have made my life so hard. I decided to buy a car to build credit but little did I know I was making the worst decision to finance with them. They have not reported or even tried to pull my credit report since then. I 'm constantly on the phone with them sending them whatever they need, copies of my ID my social security card everything but they do n't seem to care about it. Everytime I call them I speak to a supervisor to see what 's really wrong but all they tell me is We ca n't disclose information to you. That 's ridiculous, I pay XXXX dollars a month for what? For them to tell me I 'm not the account holder. I 'm so frustrated with this company all they do is lie and hang up on me because they do n't want to help me. I have contacted the credit bureaus to see if anything is wrong on my credit report but they tell me everything is fine. XXXX even contacted them and tried to get them to report but they also got hung up on. I 'm running out of options. I honestly just want to stop paying the car. I have no use for it if I 'm not getting credit. I just received XXXX letters from Westlake Financial Services and there is XXXX different names on them. How is that? They are the worst company I have ever been in contact with. They even told me themselves to give up, that there 's nothing I can do about it. Please help me I have payed more than half for the car already. I really think I deserve to get some type of credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: EVERBANK, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Got my initial mortgage refinanced in XX/XX/XXXX. 
Mortgage company wo n't allow auto XXXX payment without going through a third-party vendor. However, the third party vendor providing the service is not free. 
Though XXXX owns my loan as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
According to my most recent credit reports,  XXXX  has reporte  d two student loans ( one federal, one private ) as receiving late payments. This is inaccurate.
According to my reports from all three credit reporting agencies, I had two   payments 90 days late in  XXXX . According to the Navient service rep and my account history, this reporting was caused by the system marking  me 90-days l ate as of  XXXX  date is less than six weeks from my leave from  XXXX   XXXX  University, and marking me again as 90 days late on 5/8/2014 XXXX  date is less than 90 days from the prior reported date and well before the end of the 6 month grace period that should have been in effect after I left  Florida   XXXX  University in  XXXX   XXXX .     These items did not appear on my credit report until this year, which is odd, since they were not reported at the time of alleged late payment. These items furthermore do not match the records in my Navient history. I have made on time, auto-pay payments consistently since I began repayment and have an otherwise perfect payment record. I am not sure why these are reported as late years after the fact.     I sent a dispute letter to  XXXX  on  XXXX   XXXX ,  XXXX .  XXXX  responded that they had investigated and confirmed the accuracy of the report.

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 2016-04-19
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We ( my late husband & I ) owned property which was in his & his brothers name. Financed thru BofA, sold to Green Tree and now DiTech. After my husbands death I ended up owning the property XXXX %. It is rental property and I make all of the payments, etc. Yes, I have been late on several payments but always catch them up and pay any late charge associated with them. I just received a call from DiTech saying that they received my XX/XX/XXXX payment, but would not be applying it to the loan, as it was not the total amount due. I asked what the extra amount was for, please break it down for me and she said she could only give me limited amount of information on the account and she would not be applying my payment. My husband has been deceased for 7 years and I have always spoken with this and previous companies regarding the loan and payments. They have had my brother-in-laws permission to speak to me regarding anything to do with this loan for many years. Even though I always pay any late fees, if I am not mistaken, the original loan papers say any outstanding late fees, etc. will be added to the end of the payment schedule/final payment. How can a financial institution treat and threaten paying customers in this manner? Is this legal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I applied for a loan with Chase. The loan lender advised that my down payment is good and the close can be done in two ( 2 ) months at max. I locked the loan for two months ended on XXXX/XXXX/15. Many delays occurred by the bank, attorneys and title company. The bank contributed in this delays. I should be closing on XXXX XXXX, 2015. However, I received a call from the bank stating that I should pay {$3100.00} for loan extension although I responded to all there request within a day or tow. The chase underwriter and loan officer keep asking for information piece by piece and delaying the process although I keep asking please let me know if anything is needed. Chase completed the file on XXXX/XXXX/15 with a mistake from the title company that the taxes is approximately {$19000.00}. correct taxes should be XXXX. I have pointed this mistake to the loan officer. This mistake cause further delay that would be avoided if the underwriter & loan officer paid attention and compare with initial payment estimation. 
In summary this delays occurred due to : Lack of communication between the bank and the attorneys of record. 
The bank attorney has not request all info properly, as per the realtor and seller attorney. 
Many delays because of the bank was waiting for the contract to be initialed by the seller. 
The bank underwriter and loan assistant keep asking for supporting document piece by piece every week which delayed the process. I have provided all documents within a day or two at max. 
The title company delayed the title report and provided the report with mistakes that cause further delayed of the process. 
Lack of communications between bank, attorneys, & title company. 
Not responding on time to schedule for the close-out day although I expressed that I will free myself any day and anytime. 
I strongly believe that the bank contributed to some of the delay and should be responsible and waive such fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: Experian Information Solutions Inc.
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: Public record information inaccurate

Complaint:
Please conduct a reasonable verification on the BK that is on my Experian Report. Please provide proof by supplying documentation that shows my Name, Address, and Signature for the alleged item.  Also, provide the Name, Address, Telephone number, and Signature of the person verifying the alleged item. Per FCRA section 609 the documentation should be provided within 30 days. If proof of documentation for the BK can not be provided please Delete and Remove the alleged item from the credit report. Thank you.

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