BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I received a letter from Chase mortgage on XXXX/XXXX/15 dated XXXX/XXXX/15 stating that my XX/XX/XXXX mortgage payment was past due on account # XXXX. I called to inquiry why and how is my payment past due when I made the payment online on XXXX/XXXX/15 from my Chase checking account to my Chase mortgage account. The fund was immediately debited from my checking account on XXXX/XXXX/15. When I called the bank they told me my account was in lost mitigation. I have not miss a mortgage payment in years. I make my payment the same way online however it seems they have being crediting my account when they feel like it. I was told by a rep. that my account was up to date and she does n't know why i am not able to make my payment directly from my mortgage account. She told me it was an internet banking issue so i was transferred about four or five time on XXXX/XXXX/15 about XXXX or so. I was eventually told by the internet rep. some one would get bank to me. On XXXX/XXXX/15 at XXXX I received a call from an internet rep who told me my mortgage was with lost mitigation and that 's why I could not make my payment from the mortgage account site. He referred me bank to the mortgage department. I can and requested a supervisor or manager and I was transfer to lost mitigation where the rep asked me to verify myself which I did. However, the process got ridiculous with her asking for my middle initial. She told she could speak to me any longer if I did n't give my middle initial so I asked her to give me some who will. She transferred me to a customer abuse recording which ultimately hung up the phone. i received no help and I think they are trying to commit mortgage fraud by putting me in default when my payment are make on time. I assist in this matter. They have done this to me in the past which result in late payments my credit report in XXXX and XX/XX/XXXX which has affect my ability to get credit even today. This is very disturbing and upsetting and I am afraid they will try to take my house. This is bring great stress to my life, when I am making my payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Zillow Group Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We explored refinancing our house with Zillow in XX/XX/2020. We ended up not moving forward with that and did not ultimately complete disclosures or get anywhere close to closing. 

As part of the refi, Zillow listed themselves on our XXXX insurance as the mortgage company on a business to business portal that is apparently used for mortgage and insurance companies to communicate. That is supposedly a normal practice, but what should have happened and did not was for Zillow to remove itself as the mortgage company with XXXX when we decided not to pursue the refi The end result was XXXX issuing an escrow refund check that would have gone to our actual mortgage company, but instead went to Zillow because Zillow continued to list themselves as the mortgage company. We have spent hours on the phone with XXXX and attempting to get through to a Zillow accounting person with no success. XXXX has done the same, with no success. 

So, I am now reaching out to you for help. Zillow owes XXXX {$1800.00}. Until Zillow pays this to XXXX, XXXX will not refund our escrow which is now overdrawn. We are on a fixed retirement income so a 20 % increase in the mortgage payment due to this escrow shortage is a big deal. 

We need Zillow to refund XXXX so XXXX can refund our mortgage company, XXXX XXXX, balance the escrow and decrease the mortgage payment. 

Can you help? 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Direct Express is asking to identified my self for the last 24 month and until now still waiting for their approval state and federal document are not good enough to process and issued a new card neither to provide information on the account activity

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Earlier this month I contacted Chase through my/their credit card card web site and initiated a request for a credit line increase on XXXX of the XXXX I have through them. After some back/forth correspondence through the site, I was advised I was approved for the XXXX increase requested and would receive a formal letter latter documenting the approval. 

Well when I got their letter I was then informed though the XXXX increase was effected on the XXXX card ..., they were reducing the credit line on another by XXXX. Essentially not providing me any increase collectively on the cards. 

I contacted them by telephone and spoke w/ XXXX different people and requested they restore the XXXX reduction they took from a card not part of my beginning correspondence w/ them. They refused ...., yet suggested I could go back to what it all had been previously. I told them that was not a satisfactory resolution. 

Per their behavior, do I have a basis in any of the consumer laws to file a complaint against them and seek redress?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: EQUIFAX, INC.
State: DE
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:
on XX/XX/21 and XX/XX/21 submitted an FTC report with accounts that are not mines. These accounts are still on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I HAVE A MODIFIED LOAN WITH CHASE MORTGAGE. I ASKED THEM FOR A COMPLETE ITEMIZATION OF THE BALLOON ON MY MODIFIED LOAN IN THE AMOUNT OF {$66000.00}. I ALSO ASKED THEM TO PROVIDE TO ME IN WRITING THE INCENTIVES I AM APPROVED FOR WITH THE US DEPT OF TREASURY, SPECIFICALL THE 6-YEAR ANNIVERSARY INCENTIVE FOR ON TIME PAYMENTS OF MY MODIFIED LOAN. I SPOKE TO XXXX XXXX WELL OVER 2 WEEKS AGO ( TODAY IS XXXX/XXXX/15 ) AND SHE TOLD ME VERBALLY THE ANSWERS TO THESE QUESTIONS HAD BEEN PUT IN THE MAIL. AS OF YESTERDAY I HAVE NOT RECEIVED ANY OF WHAT I ASKED FOR. I DO NOT BELIEVE ANYTHING A CHASE EMPLOYEE SAYS TO ME VERBALLY AS THEY HAVE LIED TO ME VERBALLY FOR OVER 4 YEARS. I NEED WHAT XXXX TOLD ME IN WRITING. I NEED TO KNOW WHAT THE {$66000.00} BALLOON CONSISTS OF, EVERY PENNY OF THAT BALLOON AND I NEED TO KNOW AL THE REMAINING XXXX DEPT OF TREASURY INCENTIVES FOR MY MODIFIED LOAN. I NEED CHASE TO SEND THIS TO ME IN WRITING. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I had spoken with a rep from the dept. of education in XXXX of 2013 about putting my student loan accounts in deferrment because my income was limited, and I was told I was eligible to place these loans into deferrment. On the phone, I asked them to place the loans in deferrment, and to my knowledge, they had been deferred. Only to find out a few months later, I found out that the loans actually did not get deferred per my conversation with the rep. Once I found this out, it was too late and the late payments had already greatly affected my credit rating. I immediately caught up on the loan payments and have been caught up ever since. I am in the process of buying a home, and this is plaguing score, and unjustly so. I would like it to be removed, and a letter sent stating that it will be which I can provide to my home loan officer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
Chase credit card services continues to charge us for a XXXX bill of {$50.00}. This charge is in dispute and will will not be paying it ... Chase is using unfair labor practices on my wife and us and charging us for a bill that they can not resolve and give us credit back on. In question was XXXX hotel XXXX charging us for a XXXX night stay plus a deposit of which we paid for of $ 34 months ago on the card. We stayed only XXXX night at XXXX hotel in XXXX XXXX not XXXX nights. Chase card services needs to credit us back the disputed amount of at least {$60.00}. Again the paperwork shows that I sent in over a month ago shows we were not at circus circus for XXXX nights yet charged. We stayed the night in question at a XXXX in the XXXX XXXX area that night. We want this rebilled amount of {$50.00} taken off our card immediately. 

Truly XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-27
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: Information belongs to someone else

Complaint:
XXXX XXXX is reporting two accounts in my credit profile under authorized user. Let me be clear I have never held a XXXX card much less having one in my credit report. 

Those cards that are on my profile are affecting my utilization % and this is not ok. 

Please verify and remove such accounts from the credit bureaus as soon as possible. 

I attached a copy of my Experian report, however, I have confirmed the existence of these accounts with XXXX and 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 non-monetary relief
Consumer complaint received 2017-04-29
Company: United Student Aid (USA) Funds
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
In   XXXX   XXXX   I was initially contacted  by USA Fun  ds and their collection company. I began to be harassed constantly at work, home and was placed on notice from my job because of the constant calls. I informed them that I had just begun the new job and prior to that was homeless and unemployed. They continued to harass me and threatened wage garnishment. I filed a complaint against both companies with CFPB and the Attorney Generals Office. The company responded that I would be given a tempora ry postponement because I had just gained employment. Although this was the response given to the both th e AG 's office a nd CFPB I continued to be harassed by the company and had to submit packets every 4 months showing when I began employment and when I would reach a year.   In   XXXX   XXXX   XXXX   I received notification from both companies again stating that a claim of wage garnishment would be filed with my work. I again continued to be harassed with calls and notifications and I explained that I had no money to pay them. I again filed complaints with the  XXXX  's office and CFPB because they were unwilling to work with me.     On  XX/XX/XXXX  I was notified that I would be allowed to have a wage garnishment hearing and on   XXXX   I received notification that the company could take 0 % in wage withholding because of the hardship it would cause. After the notification was received I began to be harassed again by both companies. They continue to call me on a daily basis and on   XXXX   sent notification that they will be placing a Order for withholdings again!!! It has been less than 3 months since my hearing where it was stated that they could not take wage earnings from me and again they are harassing me and attempting to get an order against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: Advance America, Cash Advance Centers, Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Company threatend to go to court house and send a bench wareant out for my arrest the company threatend to put my relatives and named by there names on the court order as witnesses

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX ( Original Creditor ) sent accounts to Paramount Recovery Systems. XXXX accounts are reporting from them and some removed and some not. The amounts were {$450.00}, {$420.00} & {$360.00}. The {$450.00} was not filed with my insurance correctly and due to the time frame i never received any communication that I owed any amounts. {$360.00} I did not have insurance and on the documentation provided their records states do not file but they put on my credit any way. This was to be cleared as a charity case as this is what information I signed stating this would be taken care of. Now the last {$420.00} ( visit in XXXX ) was never filed through my insurance until a year later ( XXXX ) and XXXX verbally assured me that it was their fault they did not file it properly as they had already had my insurance information. They updated the balance on my credit to {$97.00} but i was assured I was not liable for this as the claim was written off. I am very frustrated as i have disputed this with the credit bureaus and they are refusing to delete or stating the information is correct. Since then I paid the crazy {$97.00} even though I felt as though i should not because this was not my error and I again never received a bill stating the balance. I only have my XXXX. This creditor is hindering my chances of getting a home and its frustrating when i tried to work with both XXXX and PRS and got no where. XXXX stated they would inform PRS to delete this entry but PRS stated they were looking into it and never got back with me. I am furious that the Credit Bureaus XXXX & XXXX care nothing about the proof i have sent over and over yet they keep these collections on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-05-14
Company: Action Financial Services, LLC
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My government student loan went into default I. I voluntarily contacted the collection agency handling and entered into an agreement to repay at {$380.00} per month have not missed a payment at all and they allowed my tax return refund If {$2100.00} to be seized as repayment for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
Discover Card is reporting two accounts in my credit profile under authorized user. Let me be clear I have never held a Discover card much less having one in my credit report. 

Those cards that are on my profile are affecting my utilization % and this is not ok. 

Please verify and remove such accounts from the credit bureaus as soon as possible. 

I attached a copy of my XXXX XXXX however, I have confirmed the existence of these accounts with XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-18
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I pulled my credit report for XXXX and XXXX. Paramount Recovery Systems located at XXXX XXXX XXXX XXXX Texas XXXX number XXXX is on my credit report twice for the same Creditor which is XXXX XXXX XXXX for the same amount. I need one of these entries to be removed because it is a duplicate and this is affecting my credit. I need for XXXX and XXXX to removed one of these entries and I do not need for it to affect my credit score any worse than it already is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-06-01
Company: Roosen, Varchetti & Olivier, PLLC
State: MI
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I have a judgement against me concerning an auto accident I had and the law firm has garnished my wages so the debt is being paid. My complaint is that the law firm is n't reporting the payments to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: N26 Inc.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
A banking company N26 Close my account after calling customer support to get the statements I need sent to me I was told Im not able to get them because I dont know the creation date of the account Verified all other information and asked to speak with somebody higher than them a lady name XXXX or XXXX who answered the phone. She denied me speaking to somebody higher regarding the account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: Nelnet, Inc.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I had asked for an extention when for when I was to start paying my student loans back. They said they were going to grant me a forbearance for 1 year because I was on public assistance. A while later they had started marking me as non payment. I noticed this on my credit score. I called and they gave me the runaround. They said they were going to look into it. Then they determined the proper procedures were n't followed to maintain the forbearance. I did everything they asked me to do. It is on record that they stated I would not have to start paying the loan back for 1 year. They started reporting non payment after about 4 to 6 months later. After talking to them again, they put it in forbearance again but would not remove the derogatory marks from previously. I even started my payments early. This is through nel net.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... .promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. 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
Consumer complaint received 2021-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 am filing a complaint on XX/XX/XXXX I have 3 fraud inquiries that I have disputed several times and they have not removed. Not only have I disputed them but XXXX XXXX XXXX contacted them twice to let them know to remove the inquiry dated on XX/XX/XXXX due to fraud and they still haven't removed it. I advised them that the XXXX XXXX inquiry from XX/XX/XXXX is fraudelent and the XX/XX/XXXX from XX/XX/XXXX is fraudelent and they haven't removed any of them. I also sent in a letter from XXXX stating that it was fraud, they have done nothing. I also have a collection account that I paid to delete for XXXX XXXX XX/XX/XXXXand sent in Proof of Payment and the information stated the account would be deleted and this hasn't been removed either. It like they simply ignore any valid information and leave the delinquent information on your credit report even though they know its not supposed to be there. It is simply against the regulations.

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 2021-04-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO LOAN OR LEASE 1. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$6000.00} -This is not my account.

Company response to consumer: Closed with explanation