BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am current on my mortgage, and I am struggling to make the payments. I applied for a modification and was denied. The reason for the denial was  XXXX  fold ; they stated I had a modification in   XXXX   and in   XXXX   XXXX  . In  XXXX , I made the  XXXX  trial payments but did not sign the final modification documents. I called Chase to discuss the modification proposal, and I was told by a representative to decline it. The representative stated that there was a balloon payment. I was confused and decided to seek the advice of a housing counselor. The counselor stated the modification was a good proposal, and suggested I accept it. When I contacted Chase, I was told it was considered declined and no longer available. I decided to dispute the decision on  XXXX / XXXX / XXXX . The housing counselor,  XXXX   XXXX , was told on  XXXX / XXXX / XXXX , I could not reapply until next year when the  XXXX  modification falls off. I did not officially have a modification in  XXXX   XXXX . I never signed the final modification documents. Ms.  XXXX  was told by  XXXX   XXXX , that Chase considers this to be a modification. This is incorrect and a false statement. Although Ms.  XXXX  was given this denial reason, I was told something different. I was told that the appraisal was higher, and that my home had too much equity to qualify. When I asked why there was an increase in the appraisal after a time period of less than  XXXX  days, I did not get a response. I have not made any additions on my home, and my property value has not increased. Chase has not and will not give a sufficient reason for the property appraisal increase. This is extremely disturbing as I was just approved, and now there is an unsubstantiated appraisal increase that Chase states disqualifies me. I am not being allowed to reapply. I am not delinquent, and I am not given any options other than a short sale or deed in lieu. My current housing ratio is 50 % and the back end ratio is over 100 %. I am in need of a program to help me save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: EQUIFAX, INC.
State: CA
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: Problem with personal statement of dispute

Complaint:
MY COMPLAINT IS WITH EQUIFAX REPORTING. MY REPORT HAS BEEN FILLED WITH INACCURACIES THAT I HAVE BEEN ADDRESSING SINCE XX/XX/XXXX. MORE RECENTLY XX/XX/XXXX. I AM A XXXX VETERAN AND LOOKING TO BUY A HOME FOR ME AND MY FAMILY. I HAVEN'T BEEN ABLE TO OBTAIN HOME LOAN BECAUSE OF ALL THE MISINFORMATION THAT IS LEFT TO MIS REPRESENT WHO I AM AS A RESPONSIBLE LIVE PERSON IN SOCIETY. IM AWARE OF MY RIGHTS, AND ID LIKE XX/XX/XXXX TO BE ADDRESS ES OF THE ERRORS THEY CONTINUE TO FALSELY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
CareCredit would call my cellphone, sometimes from XXXX to almost XXXX everynight trying to collect a debt. They would call every hour to every half a hour.

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 2017-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I 've contacted  XXXX ,  XXXX  and  Transuion  in regards to some incorrect and fraudulent accounts. I sent in my police report my identification documents and so forth. I 've contacted the creditors who havemt responded so this is my  last str  eet  before taking it to civil or federal court. They have broken the law. Not marking my accounts disputed within 30 days, refusing to send me information regarding disputes or disputes validated, refusing to send validation information or methods and so forth. I 've disputed these accounts numerous times by certified mail and they have not been properly handled or responded too. I 've kept close documentation of communication and recorded conversation pulled.

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 2017-01-11
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello. I owned a home ( XXXX ) back in XX/XX/2013. The home went into foreclosure. I packed up all of my belongings so that I could pick them up before the locks were changed. When Chase informed me that the locks had been changed and gave me the passcode to the drop box, I found that the vendor that changed the locks stole personal items. Chase told me I had to file a police report. The Police could not come out to make the complaint because the mortgage company no longer allowed me access to the house after that. I do not know where else to direct my complaint to since it is difficult contacting Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: STERLING JEWELERS, INC.
State: CA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I was at Kay Jewelers in XXXX XXXX, FL and the salesman asked me if I was a rewards member. I replied no, but was interested because I wanted to get my girlfriend a pricey set of jewelry. The man said that with the rewards card I can also finance some of their products too. I believed that was great but I did n't want to take out any credit cards, so i asked the man if it was a credit card, or if it will affect my credit. The man assured me that it was not a credit card, and that it is only for financing in store, so it wont affect my credit. I was like OK great, let me sign up. I later in the month check my credit through an online credit checking service, and my credit score had gone down about XXXX points due to a new line of credit and a hard inquiry in my credit.I did not solicit a new line of credit and i was not told it was going to affect my credit, the salesman said rewards card that also allows for financing. I specifically did not want to touch my credit because I plan to buy a car and I wanted my credit to be good not XXXX points lower.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: Second Round Limited Partnership, Austin, TX Branch
State: NH
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I did not recieve a notice to validate the debt. They are stilling trying to collect on it. That is a violation of the FDCPA and FCRa because they are also reporting it on my credit report.

Company response to consumer: Closed
Consumer complaint received 2016-06-17
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
In 2012 it was time for me to begin repaying my federal student loans. I was pregnant with my second child and due to health complications I was unable to work, therefore paying my student loans were impossible. The college that I had been attending told me that I could apply for forbearance due to a " financial hardship ''. I contacted FedLoan Servicing, which is the company that is servicing my loans and I applied for a forbearance. After a few days I received a phone call, as well as a letter in the mail stating that my forbearance request had been approved for the dates of XXXX/XXXX/2012 - XXXX/XXXX/2012. I spoke with a representative over the phone and asked her to explain the forbearance terms and she explained that because my forbearance was approved for those dates and there would n't be an data reported to my credit report. XX/XX/2012, FedLoan Servicing reported to my credit report that I was " 30 & 60 days late '' on my monthly payment. They reported this on both of my student loans. I was never late because I had applied for financial hardship. The XXXX late pay entries are holding me back from being able to qualify for a home loan and I was not at fault. I have tried disputing the incorrect information but have gotten no where. I would like to have these Items updated to the correct information. Please delete the 30 & 60 day late payment entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: BANK OF THE WEST
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On Friday,  XXXX   XXXX , I went in to the  XXXX  downtown branch of Bank of the West to close my checking and savings account. I had incurred charges on this account the day prior, despite not having overdraft protection. The account was in the negative ( approximately - {$220.00}  ) for about 1-2 days. I paid the banker the balance to brin g the account to  XXXX . I paid in cash and asked him to close the account after it was brought to   XXXX  . The banker gave me an excuse saying that he could not close the account for some reason, but failed to state exactly what that reason was and what policy and/or law he was adhering to. I told him that I wanted both accounts closed that day.     On Monday,  XXXX   XXXX , I emailed  XXXX  asking about the account, to ensure everything was closed. He emailed me back saying that there were more charges on the account, from automatic payments that I had set up previously.     I was charged {$35.00} for the overdraft and paid all charges on the account, today,  XXXX / XXXX / 2017 . I do not understand WHY a bank would allow any further charges on a closed account. When a customer asks to close an account on a specific day, not closing the account means more ways to collect on bank fees. Not closing the account when I asked helped the bank become unjustly enriched.     I am very upset with the Bank of the West, their behavior is egregious, predatory and full of non-disclosures. I would like to recover the {$35.00} that my husband paid today to try to close the accounts I had.     My husband was told that even though we want to close the account, more charges could be applied to the account. This is an unacceptable excuse and I believe it is in violation of several laws as well in violation of the covenant of good faith and fair dealing.

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 2017-05-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I 've contacted Experian,  XXXX  and  XXXX  in regards to some incorrect and fraudulent accounts. I sent in my police report my identification documents and so forth. I 've contacted the creditors who havemt responded so this is my  last stree t before taking it to civil or federal court. They have broken the law. Not marking my accounts disputed within 30 days, refusing to send me information regarding disputes or disputes validated, refusing to send validation information or methods and so forth. I 've disputed these accounts numerous times by certified mail and they have not been properly handled or responded too. I 've kept close documentation of communication and recorded conversation pulled.

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 2015-12-14
Company: Coast to Coast Financial Solutions, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
someone has used my information to open this account fraudulently from when my identity was stolen and this company continues to report this debt as mine when it is not .... I have filled out police report and identity theft affidavit in this matter and have had it notarized as to this account being fraudulent ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-03-17
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I took a {$5000.00} loan from Sallie Mae. I faithfully made payments for 5 years. My father passed and I had to quit working and move in with my mother. The loan defaulted. They are now demanding I pay it in full and will not offer reasonable loan repayment options.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX2017 I, XXXX XXXX XXXX opened a CAPITAL ONE, Essential checking account. This account was opened while in XXXX XXXX, NY. 
* I have several individuals who owe money top me in the form of rent or borrowed money. The bank froze my account and i do not have the ability to or direct access to my funds. 

I spoke to their investigator and they said they suspected FRAUD and that the money orders were suspicious. 
All the money orders have been verified and the release of my funds has not occurred. 

Because i set up automatic draft with XXXX of my Vendors, I could only do a draft to the company which is slower that actually pulling the m, only from my debit card or getting a cashiers ' check. 

To Date the account was over {$5000.00} in deposits and that is a FELONY according to the IRS in regards to them MONEY LAUNDERING and WITHHOLDING my funds. 

I told the operator i would file a complaint, which I am doing now and if not resolved within 10 business days. I am Under DURESS!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I originally tried to submit my payment in  XXXX  through the my loan servicer 's web site for fedloan servicing giving my bank 's routing number and account number and it got rejected, then I sent the  XXXX  payment via my bank 's online bill pay on  XXXX   XXXX ,   XXXX   and  XXXX  's payment on  XXXX   XXXX  to their billing address that was provided for me and both payments were rejected by my loan servicer for " invalid payee address ''. I verified the payment address with both the rep on the phone and through fedloan servicing and the website states that I can use a third party bill paying service offered through my bank but they still refused to take the payments and now according to fedloan servicing I am 30 days past due

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed the debt with all   XXXX   credit bureaus. They keep verifying the debt. I requested from the credit bureaus copies of the documentation that shows the information has been verified. The credit bureaus told me to contact the creditor because they do n't receive documentation all they receive is an electronic file.   I contacted the creditors and received a letter stating that they dont have any documentation and that they need to contact the original creditor. I have not heard from the collection agency or the original creditor to whom i allegedly owe the debt. My question is how is it that they can report information but don ; t have any documentation to provide as proof of the debt?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I WAS DECLINED FOR A CREDIT LIMIT INCREASE BASED ON " THERE WAS A RECENT CHANGE TO YOUR ACCOUNT ''. THIS RATIONALE IS BEING DISPUTED BECAUSE I RECEIVED AN " ACTUAL '' CREDIT LIMIT INCREASE APPROXIMATELY XXXX 2015. ON XXXX XXXX, 2015 I WAS APPROVED FOR AN ACCOUNT COMBINATION, IN WHICH, I CLOSED XXXX OTHER ACTIVE CAPITAL ONE ACCOUNTS ( # XXXX, # XXXX, # XXXX ) AND TRANSFERED THE INDIVIDUAL CREDIT LIMITS TO MY CAPITAL ONE CARD ENDING IN ( # XXXX ). THE COMBINATION OF MY ACCOUNTS RESULTED IN AN INCREASE TO MY CREDIT LIMIT, BUT IT WAS BASED ON ESTABLISHED AVAILABLE CREDIT FROM ALL OTHER CARDS, NOT AN INCREASE GRANTED BY A STANDARD CREDIT LIMIT INCREASE REQUEST. I MAY BE CONSIDERED FOR AN INCREASE NO MORE THAN TWICE A YEAR ( SIX MONTHS ) ACCORDING TO CAPITAL ONE TERMS & CONDITIONS. I RECEIVED AN ACTUAL INCREASE IN XXXX, THUS I SHOULD QUALIFY FOR A POSSIBLE LIMIT INCREASE UPON XXXX REQUEST, WHICH IS MORE THAN SIX MONTHS TIME FRAME. CAPITAL ONE IS CONSIDERING A CHANGE TO MY EXISTING ACCOUNT WHICH RESULTED FROM AN APPROVED ACCOUNT COMBINATION, NOT A STANDARD REQUEST. I CONTACTED A CAPITAL ONE REPRESENTATIVE PRIOR TO APPLYING FOR AN ONLINE CREDIT LIMIT INCREASE TO VERIFY LAST OFFICIAL INCREASE DATE, WHICH SHE STATED WAS IN XXXX, THUS I WAS WITHIN TIME FRAME FOR CONSIDERATION. TAKING INTO ACCOUNT THE XXXX APPROVAL FOR AN ACCOUNT COMBINATION EXPLAINS WHY I RECEIVED A DENIAL REASON OF " A RECENT CHANGE TO YOUR ACCOUNT '' ; IT 'S NOT WITHIN SIX MONTHS. CAPITAL ONE IS DEMONSTRATING UNFAIR ACCOUNT REVIEW PRACTICES BY CONSIDERING ACCOUNT COMBINATIONS, WHICH IS OFFERED AS A BENEFIT AND MEANS OF CONSOLIDATING SEVERAL ACCOUNTS INTO XXXX. CAPITAL ONE DID NOT PROVIDE ANY DISCLOSURE STATING THAT UPON COMBINING MY ACCOUNT, THE ACTION WOULD BE TAKEN INTO CONSIDERATION DURING CREDIT LIMIT INCREASE REVIEWS. I WOULD HAVE NOT OPTED FOR THIS COURSE OF ACTION IF I WAS MADE AWARE THAT IT WOULD REPRESENT " A RECENT CHANGE TO ACCOUNT ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Billing statement

Complaint:
I recently accepted an offer for the GM " XXXX '' rewards card. I created an online account and enabled online billing statements as I do with all of my cards. Shortly after doing this, CapitalOne started listing the online portal as " Website Maintenance in Progress ''. I have tried to access the portal on numerous occasions over the past month but the portal has been " Website Maintenance in Progress '' every time I have attempted to access it. Given the maintenance, I can not log in to my online account to make payments, or more importantly, receive my billing statement. I was forced to make a phone payment on this account without being able to review my statement for accuracy. 

I contacted CapitalOne on several occasions via social media and email but I never heard back from them. This has been ongoing for well over a month and it is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: GREAT LAKES
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am a consumer credit  XXXX  working with people with student loans. We currently have  two  clients we are working with who are being garnished for  Federal Student  Loans. On the studentloan.gov website, it clearly states that defaulted loans can be consolidated as long as they are placed into an income driven repayment plan.  Two  former students that we are working with to get their defaulted student loans consolidated were declined by Great Lakes, even though they requested the  Income Driven Repayment. Their only options that Great Lakes gave them were not affordable. If defaulted loans can go into a   consolidation loan, how does Great Lakes have the authority to deny them? We need clarification on this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I paid the complete balance due of {$240.00} on the date before it was due,  XXXX . I now have a bill for {$3.00} when my balance should be  XXXX . I filed a complaint previously about this credit card company,  Case  number :   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 monetary relief