BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-18
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/XXXX, I received a letter that the Santander bank was sold and my account was transferred to Firstbank. I did not know the status of my account. Then I found out that my account was still owned by Santander bank. There was a misunderstanding by myself and I lost access to my internet account in approximately XX/XX/XXXX. My card expired in XX/XX/XXXX and I did not received a new card. This led to assume that my account was going to be managed by Firstbank. In XX/XX/XXXX, I saw in my credit report that there was a balance of {$19.00} in the account and I made a payment through my checking account through my bank 's internet service ( XXXX XXXX ). During those three months, I did not received a notification of a late payment nor a statement of the bank that I had a due amount. Today XX/XX/XXXX, I received a notification of late payment reported to the credit score ( XXXX XXXX ). I made a call to the bank regain access to my account. I found out that I had a past due with Santander bank. Furthermore, I received a letter of first notice of delay of credit card, 4 months after the first due. This was the first and only communication that Santander bank has sent me since the acquisition by Firstbank. This means that Santander bank never sent me a credit card bill for the amount due before this 4 month past due notification. If Santander bank had sent me the monthly credit card bill, I would've paid it as I have been paying all my other credit card bills. The amount due was {$18.00} and they never sent me a bill for that amount. I don't know how I am suppose to know that I owe money to the bank if they don't send me a bill to pay.

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 2016-08-03
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was traded to Freedom Mortgage, XXXX 2015. Per line XXXX of my XXXX, I have a front foot assessment payment that is applied to my escrow. After multiple calls to Freedom Mortgage over a period of 6 months, Freedom Mortgage has advised me that they will only pay this assessment for this year and will not pay the assessment in future years. This is a breach of my closing contract. I never signed any documents allowing Freedom Mortgage to change the terms of my escrow contract. I have also requested documentation from Freedom Mortgage stating that they will no longer honor my escrow agreement. They have advised me that they will not send me any documentation stating that they will not pay the annual assessment.

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 2016-01-13
Company: JPMORGAN CHASE & CO.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I started working for a company in XXXX when I got out of high school. ( XXXX XXXX ) I was n't making any money so I got a real job. They stated that I had sold knives to a customer in which they did not finish paying for. Did n't know anything about it at the time. I see on my credit report that they were reporting. However a collection agency has it. I called the company directly and they stated the amount is XXXX. So I have made payment arrangements with them. However Chase is reporting on my credit for XXXX and some dollars. XXXX states that they never sent that amount over. I was never contacted by chase. When I called them the rude lady tells me it does n't matter what XXXX states I must pay them what they ask for. I never went through this with any other collection agency. The lady lied and said I spoke with them in XXXX XXXX, was n't me, it was the credit repair company apparently. Then she lied stating they sent a letter after they got my info in XXXX, but before that they did n't have a way of contacting me. I was never contacted regarding this. I feel that chase needs to stop reporting wrong information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: JPMORGAN CHASE & CO.
State: AL
Product: Credit card
Issue: Rewards

Complaint:
I have a Chase Ink Plus Plus card, and I am unable to transfer my ultimate rewards points to my XXXX XXXX account. I have not been given a reason for not allowing me to do so. I understand that Chase does not want me to send points to the accounts of employees ; I am not trying to do that. I am trying to transfer the points from my account chase ink account to my united account and the request is being blocked by the rewards team.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: EVERBANK, NATIONAL ASSOCIATION
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
the loan started off with XXXX. XXXX told me I could save XXXX $ a month from my {$1900.00}. so my payment would have been {$1300.00}. 
Thats what XXXX told me my payment would be if I refinanced. Then they fired him and they handed over my account to an associate named XXXX. I told this new associate I did not want an escrow account. She told me I would get {$3500.00} dollars back when closed on this deal., And I found a paper stateing the payments to be {$1900.00} and I told them the escrow wasnt supposed to be included, and they made the payment out to be wrong. So I told them escrow was n't supposed to be included and they knew the payment supposed to be the {$1300.00}, so I made XXXX payments this amount and then they said they would n't accept it unless I paid {$1900.00}. I would have never went for the loan unless the payment was going to be lower. I tried to contact the loan company to tell them the deal was off because the loan now was going to be more expensive then it ever was going to be. 
I never signed escrow account to be in effect and they said they were n't going to accept {$1300.00}. I feel I was scammed into this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: AXOS FINANCIAL, INC.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My husband and I refinanced our home to remove PMI & decrease rate, leaving Axos Bank This was done through XXXX XXXX XXXX. XXXX XXXX XXXX was having many issues with responses from Axos Bank causing delays in closing ( Axos Bank was delaying sending demand statements and limited date range ). In XX/XX/2021 we signed closing documents however, because of the delays in closing we made our XX/XX/2021 payment {$3400.00} on XX/XX/2021 which was included in the Axos Demand Statement. On XX/XX/2021 Bank XXXX XXXX XXXXXXXX XXXX who wired {$400000.00}. Axos Bank is stating that payment for {$390000.00} was wired. I also overpaid my {$3400.00} payment that Axos Bank is trying not to refund. I have attempted to resolve this for weeks calling the Broker ( XXXX ), the funder ( XXXX XXXXXXXX XXXX XXXX ) and Axos Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Exeter Finance Corp.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Exeter Finace LLC violated my rights on XX/XX/2022. 

The viloated laws were 15 U.S.C 1681 section 602 A, 15 U.S.C 1681 Section 604 A Section 2, 15 U.S.C 1692c

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: NAVY FEDERAL CREDIT UNION
State: NE
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I currently have a Navy Federal Credit Union VA Home loan. I applied for refinance to reduce interest rate and cash-out for home improvements. The first loan estimate they sent included {$5400.00} PMI. I emailed to have them reduce my loan to 80 % LTV. Then sent me new documents but instead of PMI they moved this to VA Funding Fee to which I am exempt. I would think this would be known since my loan is with them already and I sent them my VA XXXX letter. It just seems shady to me and I would not want other servicemembers or veterans to encounter the same problems. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have sent three letters to each of the credit bureaus Transunion, XXXX and XXXX  since XXXX. The letters were sent XXXX, XXXX and XXXX. and I have not received a response from either bureaus. I have a number of incorrect items on my reports

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 2015-05-08
Company: URS Holding, LLC
State: SC
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Enterprise Recovery Systems , Inc . 
XXXX XXXX XXXX, IL XXXX : ERS Account # XXXXDear ERS/XXXX XXXX, I am responding to your contact about collecting a debt. You contacted me by mail dated XXXX XXXX, XXXXand identified the debt as XXXX. I do not have any responsibility for the debt you 're trying to collect. 
If you have good reason to believe that I am responsible for XXXX of debt owed to you, mail me the documents that makeyou believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Thank you for your cooperation. Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: URS Holding, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
United Recovery Systems called my place of employment and was very nasty to the secretary. The man wanted to speak to me and the secretary explained that I was in class. I am a XXXX I could not leave XXXX, XXXX year old children to come to the main office and speak to him. Apparently, my class was not important. 
I am now in debt settlement and have a law firm handling my case. I have since XX/XX/2014. 
It is illegal to harass people at their place of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am very dissatisfied with the results of my complaint. It was against Washington Mutual whose loans were assumed by Chase. I received an unsigned document that was written by someone who had not taken the time to understand the scam we were drawn into. I have responded and am sending the CFPB a copy and requesting a follow-up inquiry to assure someone at Chase takes the time to review and understand what happened to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Since reporting an issue with my checking account ending in XXXX to chase, about which XXXX unauthorized debit and XXXX unexpected ( and new ) {$20.00} chase fee, sent my account into a cascading negative state, fees and penalties have continued to mount ... .in amounts that I ca n't realistically pay, even in it were fair. 

How can chase justify roughly XXXX dollars in overdraft fees that have mounted ( and were contributed to by the fees themselves ) that all were started from XXXX unauthorized debit ... .. after which a handful of new debits came through, were not paid and were then accessed fees. It 's is unfair and outrageous considering I notified chase of the errors and my intention to try and stop the bleeding and chase simply rolled out the excuse " you 've had reversals in the past so we ca n't help you. '' It should be illegal what has happened here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXXXXXX XXXX  was able to place a new account on my credit while my credit is on a freeze. No new accounts were supposed to hit my account during a credit freeze and the credit report agency is allowing XXXX to report on my credit everyday to bring my score down even though my credit is on a credit freeze. All 3 of my credit files are on a credit freeze. How can XXXX enter a new account while on a credit freeze?

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 2016-06-15
Company: URS Holding, LLC
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have student loans that I 'm repaying to XXXX. They changed their loan repayment service to XXXX for XXXX of my loans and the other XXXX remained with XXXX. I was not aware of these remaining XXXX loans and so they were defaulted for about a year. I never received any communications regarding these XXXX remaining loans. All my student loans are currently in repayment via XXXX and XXXX XXXX and I have excellent repayment history and credit. However, I was contacted by Enterprise Recovery Systems regarding these defaulted loans XX/XX/XXXX. In a show of good faith, on XXXX XXXX 2016, I paid them {$12000.00} as a lump sum ( $ XXXX/month for each monthly payment missed ) and set my monthly payments to auto-deduct from my bank account for $ XXXX/month. I was reviewing my statement last week and noted a {$20000.00} collections fees imposed by Enterprise on my account. The balance on the account in addition to the collections fees is about {$86000.00}. I tried to call and discuss with them that I was unaware of the defaulted loans, no contact was made with me for a whole year regarding these defaulted loans, and I made a large payment of good faith, more than I could probably afford. They referred me to XXXX, who was very upset that Enterprise had n't contacted them directly about this issue and they said they 'd look into it. I have n't yet heard any updates. And Enterprise has called me 5 times in the past two hours from XXXX different phone numbers and they 're telling me the only way to get the collections fees of {$20000.00} taken off is to make larger payments on the principal balance. I keep telling them I can not afford to do so given my other student loans. Now, I am a recipient of the XXXX XXXX XXXX award given out by the California state government. This is to help pay off my loans. This shows that I am in good standing with ALL my loans with regard to repayment. This in my opinion is harassment by Enterprise Recovery Systems with regard to pursuing more repayment but also the collections fees of {$20000.00} does n't seem like it would be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: Johnson Mark LLC
State: ID
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
To whom it concerns, I had a credit card XXXX the balanced closed at {$1900.00} XXXX XXXX, XXXX .... Johnson Mark LLC. Picked up the debt. Affidavit of service served XXXX/XXXX/XXXX I did not get served this Affidavit. As a result a judgement was entered with out me knowing XXXX/XXXX/XXXX for {$3900.00} ... XXXX XXXX, XXXX {$2600.00} was stolen out of my account from Johnson Mark LLC. this account was for my VA Benefits from my military XXXX. XXXX the taking out of all my money from my account to the taking my VA Benefits money was wrong and illegal. Then they are saying i still owe {$1900.00} a total of {$4600.00}?? Last for over a year they did not report to the credit bureau 's XXXX that they had stole my VA benefit money/ which caused damage to my 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 2015-08-24
Company: JPMORGAN CHASE & CO.
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I received a new debit card in the mail for XXXX of my checking accounts ( debit card XXXX ). I did not request a new card for that account because I never use a debit card for that particular account.I called to get a PIN for it on XXXX/XXXX/15 in which I have not received as of yet.Over the weekend I was unable to make purchases, use my card as a credit transaction and retrieve cash from the ATM from my other checking acct ( debit card XXXX ) in which I always use a debit card for. It kept saying wrong PIN.I called and emailed Chase today and was told that the PIN was sent on the wrong account and that I will have to go in to a branch or wait for the new PIN to come in the mail.My work schedule makes it very difficult to do that and I and my children were also humiliated when I could not pay for the groceries I had gotten. I literally had to go home without groceries and without being able to obtain cash from debit card XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
Chase is reporting an account on my credit report that is a violation of the Fair Credit Reporting Act the Bankruptcy Stay law. I filed bankruptcy on XXXX 2014 but they reported my account as being a Charge Off as of XXXX 2014 and 30 days past due as of XXXX 2014 when they can not due that since they were notified that I filed bankruptcy that finally went through on XXXX 2014. I have tried to dispute this account with them directly and with the credit bureaus to no avail. They are causing my credit score to be even lower as a result of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I submitted information to Chase Visa Card member Services on a {$250.00} dispute with XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX on their XXXX # XXXX with XXXX XXXX, Customer Service Specialist XXXX Ext XXXX Mon-Fri XXXX to XXXX XXXX. She recently charged back the dispute amount of {$250.00} to my credit card. I have now consulted with an attorney and it has been indicated that Chase may not have properly reviewed the information that I sent. I sent documentation to Chase Visa showing that some information sent from the hotel is fraudulent and misleading. XXXX and another representative of Chase Visa indicated to me that there was no attorney available to review the documents. They have not protected my interested from unfair and deceptive practices from the XXXX XXXX Hotel, XXXX XXXX, XXXX, NC where I stayed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: Bull City Financial Solutions, Inc
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
I have been defending this money they are trying to collect, XX/XX/XXXX. I spend XXXX of ours to keep them from reporting falls report repeatedly for amount that has been removed luck of verification many times from the XXXX credit bureau. last year i file a complaint against and ... Bull City located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX. My case went on till XX/XX/XXXX ; My complaint to this agency did n't stop Bullcity from getting my score information from credit bureau, which is illegal for them to do, it is against FTC law, they did't care, so any time they found out my score going up, they report it back, an amount that once and many times removed by changing the date of the report or slightly the amount. 

On XX/XX/XXXX negative report was reported as new complaint, even though, it was from XX/XX/XXXX, XXXX amount was reported two times to do more damage to my credit history. This is the same amount and case filed complaint to this organization XXXX XXXX XXXX last year. I spent hours of my time seeking solution, there was non, it seems this collection department has a license to harass and rune innocent citizens life.If any body is out there similar problem with this collection agency please contact the FTC as soon as possible. 

I tried to use the 90 day freeze policy by the credit bureau for fraudulent report, They wait till flag time collapse, they use, affiliated collection companies to enquire about my score and credit history first, my score is high they foudout, then they report it as new, for the intention to reduce my score. It became personal, they are working for third party an enemy who is known to me, to create problems around me. I do believe they are hired. 

Without the help XXXX, they will not have a chance to violate my rights, by law credit bureau should n't report an item once disputed and removed many times, but they did.

Company response to consumer: Closed