BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Back in XX/XX/XXXX I was the victim of fraud when I tried to refinance through people claiming to be lawyers, who were not. at the time my mortgage was being serviced by EMC mortgage inc. I believe they had the loan as well, not sure! After the crash in XX/XX/XXXX J P Morgan bought EMC for pennies on the dollar and thus our relationship began, I am XXXX and my income is not very much but to stay in my home I 've been paying interest only plus insurance and taxes each month. I am writing and requesting a complete audit of my mortgage so that I can see how things got so out of control. Is there anything that you can do to help me get back in control? here is a copy of the letter I am sending to my mortgage service provider. To : J P Morgan Chase Bank XXXX XXXX Mortgage Servicing Dept. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX, OH XXXX Mortgage Acct. # XXXX Date : XX/XX/XXXX RE : Information Request Mortgage Loan Number- XXXX I am writing to request a complete audit of my mortgage. I had requested a re-finance back in XX/XX/XXXX, I was told that I did not meet the requirements. During the market crash I tried to get help in refinancing but was ripped off by some people posing as attorneys and were not. I have documentation to show that these people are being charged by the State Bar of Ca. I have been XXXX for quite some time and I have had to beg borrow and scrape to get by. Chase bank did allow me a modification where I could make interest only payments in order to keep my home, since Ive had since XX/XX/XXXX.Somewhere along the way my mortgage has jumped into the outer limits. I have tried to refinance but when I do everyone sees a deferred principle payment of {$170000.00}. Once other lenders see this they immediately stop talking and say they can not help. I would like to know the when and where this comes from. The reason I am requesting this information is when I was given an estimate by your bank in XX/XX/XXXX this XXXX was not listed. This estimation is dated- XX/XX/XXXX the loan ID is XXXX. I would love an opportunity to take this offer but it to was withdrawn, I even got someone else to put on the mortgage, didnt help either. I dont know in which direction to turn it appears that Chase Bank has all the leverage. I believe an audit will help me to figure out how I got into this mess and maybe a way out. I am inclosing a copy of the estimate, as well as the letter from the State Bar. Also if this reaches the wrong department please send it to the correct one > Thank you! If you need to contact me to discuss this request, I can be reached at XXXX XXXX XXXX XXXX XXXX, Ca.XXXX Mobile phone- XXXX email- XXXX. _________ ______________________ Date Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On the XX/XX/2019 I was in a dilemma. My lease had expired and I had no place to stay. Consequently, I had to search for a short term lease online all day until I found a suitable enough place to live in. At XXXX XXXX  I believed I found one - the purported land owner was XXXX XXXX or at least that is who he claimed to be. 

He offered a short term lease for the month with a possibility to renew the lease if desired for {$620.00} with a deposit given of the same amount. I was running out of options and really needed a place to stay, so we signed the contract online and I transferred him the money through my BoA app using XXXX. I did so because I believed XXXX to be safe since it was integrated in my BoA app, thus even if this was a scam at least I could get my money back. 

Unfortunately, it was a scam and he never showed up at the agreed time. I realized this and called BoA as soon as the bank opened the next day. The lady on the phone told me they would perform an investigation and I should get my money back within a few months. Satisfied with this, I waited to hear back from the bank. 

Alas, I never heard back from the bank and I never received my money either. It took me calling them in XXXX in order for them to tell me I would not be getting my money back. Their reasoning for this was that they, " asked him to give the money back but he refused. '' Is it any wonder that he refused to give the money back, given that the bank acted as a toothless tiger? At the least, they could have threatened to refer his information to the FBI. But no, they couldn't even threaten to do that and when I asked them to do so they likewise refused. 

The handling of this case is truly egregious and there is no excuse for handling it in this way. Firstly, if XXXX isn't safe at all and there is no means to get your money back it makes no sense to integrate it into the BoA app as it gives consumers, such as myself, a false sense of security that everything will be okay. Secondly, to not be in contact with the consumer and forcing them to call me is perhaps the worst customer service one could imagine with respect to this issue. Lastly, to refuse to do anything beyond simply asking the guy to hand the money back while offering no compelling force behind it is utterly ludicrous. 

It is in these veins that it would seem that the bank is utterly responsible for leaving me on the hook for months while seemingly doing absolutely nothing to resolve the issue at hand.

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 2020-06-21
Company: AES/PHEAA
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: Account information incorrect

Complaint:
I have 18 missed payments from this company. 6 loans showing 3 missed payments each. I have never missed a payment and this is  reported incorrectly. I have filed multiple disputes with this company as well as with the credit bureaus with no response. During this time the company states I missed payments, I was currently enrolled into school which would have kept my loans in deferment. I have contacted the company for validation and help in resolving this matter with no luck. They are unable to provide me with an answer or validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Credit Karma, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I have applied for many credit cards with credit karma after seeing my percentage of approval being quite high, and still got denied. That has negatively impacted my credit as Im trying to rebuild it. Its been on several occasions I was told my percentage was high of getting approved, then I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Synchrony bank did not apply my payments correctly and as a result I was hit with {$900.00} in deferred interest in XX/XX/2020 and again in XX/XX/2020 for XXXX. I had the payments set up to cover all of the promotional purchases and pay additional. They do not apply the payments to the expiring promotions first as they should after the minimum payments are satisfied for all of the other promotions. I spent hours on the phone with different people and two of the managers were just awful and just blamed me for everything Actually using the words that it is my fault. Constant interruptions and talking over me what I was trying to explain the problem and request a full review of my account how payments were applied and when. I actually didnt get to realize the problems that happened in XXXX until I called back and got another representative who actually took the time and reviewed my account. I asked to escalate to a manager above them and they said no they wouldnt even put me into a voicemail and somebody was supposed to call me back and they never did. I went online and sent an email and they said because of the nature of the complaint they were going to forward it to corporate never heard a word and its been months. I wanted paper statements and when I asked for them then my online statements got turned off and I couldnt see my promotions. This company has deceptive business practices and they set people up so they miss their deadlines for promotions.

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 monetary relief
Consumer complaint received 2020-02-27
Company: Capio Partners, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Capio partners is trying to collect {$260.00} from an ER visit on XX/XX/XXXX. I already paid the {$150.00} that I owed after insurance adjustment. I never got any indication I owed anything beyond that {$150.00} in the last 4 years until XX/XX/XXXX when capio partners started contacting me. They have told me the service breakdown over the phone twice and it was 2 different breakdowns. I asked for it in writing and also written proof this bill is accurate and they have not sent either. I've called XXXX  hospital where I was seen to get more information on the bill, but they have been bought out since the date of service and all the old accounts that are paid and unpaid are handled by capio partners now. I can get no where with the company to show me proof I owed more than I already paid. I believe this bill is a scam because i already paid {$150.00} and it is 4 years old. Why wouldnt i have heard i owed anything more in the last 4 years if it was valid?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
Company: Ocwen Financial Corporation
State: AK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX, 2022, we submitted a request to cancel our PMI insurance as we believed that our home value had increased enough to cancel this. We paid the fee for the appraisal through our lender PHH mortgage and they were supposed to submit the request to an appraiser. After two months, we still had not heard back and contacted PHH again. They assured us they were working on finding the appraiser. Our appraisal was completed and submitted to them on XX/XX/2022. On XX/XX/2022 we submitted a request to see the appraisal. We were told they would respond to our request in ten business days. We did not hear back. We contacted PHH again on XX/XX/2022 and spoke with an escalation manager who told us we would hear back within three business days. Again we did not hear back from them. On XX/XX/2022 we called PHH again asking for a resolution and a copy of the appraisal. We were told that they could not provide either of those at this time, and the PMI department was unreachable. We were also told that the PMI department could decide that our appraisal had expired at any time starting the process over. This has been going on for almost six months with no resolution and we continue to pay PMI and have not seen a copy of the appraisal. We have contacted PHH many times, and can not get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: Seterus, Inc.
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
When current on primary residence mortgage, Seterus will refuse to accept payments.We have been constantly harassed with foreclosure on a Mortgage that has Remained current.We have contacted XXXX XXXX on Multiple Occasions to bring to their attention they claim there is nothing they can do.It takes literally Hours to make a signal payment.I would guess this is why XXXX XXXX is about to fail Again with in a couple of years time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: Commercial Acceptance Company
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2020, at XXXX, XXXX XXXX from Commercial Acceptance contacted me on my home phone regarding 3 ambulance bills ( 3 separate original creditors-all for ambulance services ). After being advised of the debt, I explained to her I can offer to settle at 50 % of my debt ( with tax season approaching and other financial obligations, I'm trying ) She then went on to say, her clients will not accept that amount and to have a good day, then hung up immediately! There was no time to respond to her nor even offer any type of payment arrangements on my debts. This isn't the first time she has done this. She did this is exact same thing a few times within the past few years. I called the number back and spoke with a manager named, XXXX. I explained this was very unfair and I find it abusive. It is my understanding, as debt collectors, they are to be very professional and alert debtors they will be ending the call instead of abruptly hanging up when they don't get that credit card information. I asked XXXX  to remove my number and not call again. She said to put it in writing or there's nothing they can do. I shouldn't have to put it in writing to request calls to stop. It is harassment to call someone and not even give other options! Not even so much as a payment plan. This is rude and unfair, especially considering I'm trying to do what I can to rectify my debts. I am a new stay at home mom and the calls being made are constantly waking the baby during nap time. I try to answer when I can but not always possible. Not to mention, I am emotionally disturbed and stressed as I'm trying to take care of the debts and I should be able to defend myself with this type of situation taking place. I feel targeted, as if I'm being backed into a corner. Being a mother of XXXX, I can't just put my kids ' needs aside to pay {$2000.00} ambulance bills all at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XX/XX/XXXX I called Equifax to lift a freeze on my account. At that time I was asked to verify my identity - I did and I had the freeze lifted. 
On XX/XX/XXXX at approximately XXXX, I called to confirm that the freeze was still lifted as I am purchasing a home - and spoke with 'XXXX  ' who asked me to verify my identify, which I did by answering multiple questions [ Full Name, DOB, SSN, Address, etc ]. 'XXXX  ' then asked additional questions regarding the type of loans I had, the amounts of the loans, the banks the loans were with, the amounts of the loans and the amounts of the payments. I gave him the name of my student loan company, the # of loans I have with them, the estimated payment. 'XXXX  ' continued to ask about other loans - I gave him the name of my current auto loan, the approximate payment amount ; I gave him the name of my credit card issuer and the approximate balance owed, and I gave him the name of my store card issuer and the balance owed. He continued to ask for more information and I became frustrated asking him the purpose - I got none other than " verifying my identity ''. After placing me on hold, 'XXXX  ' came back to tell me he could not " verify '' that I am who I say I am - and that I had to place my request in writing and submit additional documents to " verify '' by identity - and then wait for a written response in 4-7 business days - an then I could learn if my Equifax file has a freeze on it or not. I then asked for a Manager - MORE than 5 times - and 'XXXX  ' would not comply - stating I could only talk to a supervisor. He refused to give his last name and ID #. I worked for a credit company and know how to verify callers ; I also know there are Managers on duty in a Call Center. I can not wait for 4-7 business days to receive MY credit information as I am purchasing a house. This is absolutely ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear Banking  and Financial Dept Re garding Primary resident.  XXXX   XXXX   XXXX ,  XXXX   XXXX  GA  XXXX .    XXXX   XXXX  and  ( SPS Select Portfolio Service ) ref used to provide a monthly Statement.     I am writing this letter because of the unlaw act from both financial Intuitions.  XXXX   XXXX  and  ( SPS Select Portfolio Service ) will not  provide mine  XXXX  Mortgage Statement.  XXXX   XXXX  refused because  ( SPS Select Portfolio Service ) is  now servicing my mortgage loa n. ( a s of  XXXX   XXXX ,  2017  ).      XXXX   XXXX  is still my mortgage holder bu t ( SPS Select Portfolio Service ) is se rvicing mine Loan. I called  XXXX   XXXX  last week for  XXXX  Mortage Statement and printout of payment history. The representative stated  XXXX  will not able to provide me with  XXXX  Mortgage Statement or further statements. Because,  XXXX   XXXX  transferred my account to be ser vice by ( SPS Select Portfolio Service )   XXXX   XXXX ,    2017   XXXX   XXXX  emailed me a copy of my payment history, ( Up to  XXXX     2017  ) which in excellent standing ( NO Lates ) I contact ( SPS Select Portfolio Service ) on  XXXX / XXXX / 2017  for mine  XXXX  Mortgage. Spoke with ID  XXXX  and  XXXX   XXXX   XXXX  supervisor, both stated I will never receive a Monthly Statement, because of old 10 years BK. I informed both representatives  XXXX   XXXX  sent Mortgage statement every month.     I informe d both ( SPS Select Portfolio Service )  representatives, that  XXXX   XXXX  always provided detail monthly statements,  XXXX   XXXX , a supervisor stated I will need to call in every month  for details. Plus I will NEVER receive a detail monthly statement. In additions, It 's my responsibility to call ( SPS Select Portfolio Service ) each month for my payments. SPS Select Portfolio Service will let know mine payment amount by PHONE ONLY.      I also request f or ( SPS Select Portfolio Service ) n ot share my personal information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: U.S. BANCORP
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XXXX/XXXX/2017 I opened the US Bank XXXX XXXX card because they have advertised that " spend {$4500.00} in 90 days and get XXXX points ''. I paid {$400.00} annual membership fee right away after approval. I used it twice, one is for a computer purchase on XXXX with the amount of {$4700.00}. And on XXXX, I used it to pay for the tax/fee of 2 airline tickets, which is {$5.00} each. On XXXX, my card was involuntarily closed by US Bank. I called XXXX and spoke to XXXX, and he told me, per their T & C, my card was permanently closed because I used my card to buy " cash  equivalents ''. I only have these 3 charges to my card for the whole lifetime of the card, and none of them are " cash equivalents ''. Then he said it was closed because some of the transactions are earning me " reward points '' and therefore US Bank decide to close my account. So the fact is, I did not use the card on any " cash equivalents '' ( which XXXX said was forbidden by their T & C ), but they still closed my account nonetheless because my transaction is simply earning rewards points. To date, my rewards point count was XXXX, although they advertised that I could get XXXX points ( worth {$750.00} ) after spending {$4500.00} in 90 days. From what XXXX said, my understanding is, US Bank advertised their card as a " high rewarding card '', but once you use it to earn rewards, your account would be closed by them because they do n't want you to earn the rewards. To me, this is typical " Bait-and-Switch '', and is cheating customers into applying ( and resulting in a hard inquiry and huge negative impact to the credit report because of both the inquiry and short lifetime of the card itself ), and then only keeping those accounts that they do n't need to pay rewards expense. I also used the card to reserve several hotel nights, which would resulted in inconvenience. I can not believe US Bank is doing such cheap thing. And the agent XXXX even said " go ahead and file a CFPB or BBB complaint if you want '', sound like US Bank does not care at all.

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 2021-11-12
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
listen I have reached out via phone, mail and the CFPB and yet I am still being violated. These accounts are inaccurate and effecting me negatively. I have not benefited from any of these companies nor accounts and demand that they are deleted.By law you had 30 days to respond and I have heard nothing not a peep. I need this situation handled like yesterday my attorney generals office has informed me to report one last time before starting legal help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation