BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-10
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
The attached complaint was initially written to the XXXX County DA Office and the Florida AG Office. Instead of rewriting it to your office I attached a copy of the verified complaint. Some of the issues within the complaint has been submitted to your office in the past with no results. However, there are a few new issues and new evidence attached to this complaint. 
Please advise? 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
In 2018 when I opened an account with santander bank headcourtered out of XXXX, I was told by the associate at the XXXX, Pa branch, XXXX that I could not enroll in no overdraft even though that is what I wanted to do. 

Since then I have been struggling living paycheck to paycheck and they treat me like a criminal any time I ask to have an overdraft fee reversed for an item paid. 

They even let a transaction go through and get sent back 13 times just to get a returned item fee each time adding up to over {$400.00} of MY money that they think is theirs. 

Please, this is my last hope. I just want all the fees reversed since I never wanted this service and I was lied to that I had to use the service even though I blatently said I want things declined. 

I spoke with the manager XXXX XXXX and he said I agreed to this service and that I owe all that money because of that even though they accepted and rejected the payment over a dozen times.

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 2016-08-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have an adjustable home mortgage mortgage with Chase that adjusts each XXXX. Chase sends multiple bills each month and I paid several months in advance without being aware of it. The monthly bills I receive from Chase state the due date for the payment but did not change after I paid several months in advance. I timely paid the correct amount for XXXX XXXX and XXXX XXXX using the Chase bills that indicate the monthly payment and the due date. Unknown to me, Chase imposed a " corporate advance '' allegedly to keep my mortgage in good standing when I paid my XXXX XXXX bill because Chase " credited '' my XXXX XXXX payment against my XXXX XXXX bill ( which had slightly gone up due to the yearly adjustment ). All of the mortgage bills were timely and completely paid. For example, my XXXX XXXX bill was timely paid using the Chase bill statement which indicates a due date of XXXX XXXX, XXXX. Chase nevertheless is charging me for " corporate advances '' XX/XX/XXXX and again in XXXX because they made up the difference between the XXXX and XXXX figures ( which I timely paid anyway ). I have written Chase and talked with them on the phone and they have refused to delete the charges they call " corporate advances '' despite the fact I have timely paid the complete mortgage payments due. I will try to forward a copy of one of my letters to Chase to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: Coinbase, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I bought a token called Gyen at the price of XXXX cents on coinbase pro. I bought token for my mother and myself, both trandactions closer to {$1900.00} each. Coinbase halted all the trading. Since it is considered a stablecoin, the price of the token should have had a stable price from the begginning. Many people didnt know this. By default you buy and sale coins on coinbase, a behavior that has becomed automatic and coinbase knows that. Buy low and sale high that is the purpose of trading. When coinbase halted all the trading it caused many customers to recieve loses. Coinbase let trading go on for several days and later stopped the transaction due to unusual activies to later resume, coinbase should have never resume trading to minimize losses to the clients. Coinbase never acted in the best interest of clients but the best interest of themselves. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe coinbase is acting in bad faith and it is trying to set the blame on the users.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Since 2015 i have been fighting with some purchases I do not recognize as mine made with an Chase Amazon Credit card. Because I refused to continue paying it after I got frustrated with the procrastination of the company and a lack of reasonable response they closed my account and have been making attempts to collect a balance I do not own, including very annoying collection practices calling me out of business hours, even during weekends, collection letters, etc. On top of this they hurt my credit which brought me a lot of problems and financial hardship worsened by this pandemic crises.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
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: Account status incorrect

Complaint:
Experian has not investigated the accounts below. Instead, Experian has altered my account histories causing my score to sink lower. Why would Experian knowingly do this? Fortunately, the report they sent demonstrates these malicious actions. If I can not get Experian to act I will subpoena the records for a lawsuit. 

ACCOUNTS XXXX XXXX  XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX  XXXX not mine XXXX XXXX never late XXXX  XXXX XXXX never late XXXX XXXX  XXXX never late DEPT OF EDXXXX  XXXX never late XXXX XXXX XXXX XXXX  XXXX never late XXXX XXXX  XXXX not mine XXXX  XXXX never late XXXX  XXXX not mine XXXX XXXX XXXX  XXXX XXXX not mine PUBLIC RECORDS US BANKRUPTCY XXXX CHPT - 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 explanation
Consumer complaint received 2015-10-06
Company: Platinum Holdings Group, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX called my mothers house and left a message stating my mothers name and it was concerning a claim against her and her home. Of course my XXXX mother called back scared to death someone was trying to take her home. ( I kept this voice mail ) When my mother called them, XXXX XXXX stated, he was actually looking for me?? Then they proceeded to call my employer, which I am unable to accept any personal calls at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30
Company: First Associates Loan Servicing LLC
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Attended XXXX. Was basically told on my last year of school that i had exhausted my Federal Loans, and the only way to continue school would be to pay out of pocket ( which I could not do ) or receive one of their Peaks Private student Loans. At the time i believed that this was for the remaining {$12000.00} of my tuition. 

This loan was filled out in my name for now over {$25000.00} with an absolutely outrageous interest rate. I feel like I am now stuck between a rock and a hard place. They want over {$400.00} a month from a fresh graduate. On top of having to keep current with my Federal Loans. 

I will basically have this loan until the day I die due to the fact that paying into it i still owe more than I did when i even started paying! 

I feel I am the victim of predatory lending and there is no way financially for me to even remotely pay this loan back at the interest rate they provided. % 16 interest. There is NO way i can pay this. 

Ive tried working with them to lower my rate and get a refinance. They will not budge due to my credit score, which is only getting worse due to THEM. 

This is going to affect my young daughters and my life forever and i dont know what to do.

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 2017-01-10
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I have a second loan with Ocwen who referred my loan to a debt collector XXXX XXXX. I had been trying to do a short sale on my home because I can not afford to keep it and since the first loan is getting a complete pay off the representative from XXXX will NOT release my debt unless they too get paid in full. Ocwen has refused to talk to me and they keep on referring me back to XXXX. I have asked XXXX to show me proof of debt with them BUT they just keep on giving me the run around. Please help me move forward with the sale of a home that I can not keep and I do not want it to go into foreclosure. Ocwen # XXXX per XXXX customer service because OCWEN will NOT talk to me, XXXX ref. I.D # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
We have an Adjustable Rate Mortgage that is being serviced by Ocwen Loan Servicing LLC . XXXX 2015 was a scheduled Change Date for our loan interest rate. It was also the first month when we have started repaying our Principal amount. The original principal payout schedule was included as a part of our signed Mortgage agreement and detailed in the attached Amortization Schedule. The Principal payout was supposed to start from {$1000.00} and gradually increase every month thereafter. However, the statement that we have received from Ocwen requested different monthly Principal payments starting {$1500.00}, about {$500.00} more compare to what was originally signed. Since XX/XX/XXXX any attempts to resolve this issue with Ocwen were unsuccessful, despite escalating it to account supervisors and management team. All request to correct Principal payout schedule resulted in Ocwen responding with an explanation of how Interest is being calculated on ARM mortgage. As a part of Adjustable Rate Mortgage, we have accepted the risk that monthly interest rate may change, but we have never agreed that principal payout amounts can be changed arbitrarily. To avoid any late fees or credit report issues we have paid amounts requested by Ocwen and stayed current with our loan, however we have not budgeted for such significant Principal increase in monthly payments, and asking for your help to resolve this issue and return to Principal payout schedule included in originally signed Mortgage agreement. We appreciate your help in this matter. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: Midwest Recovery Systems
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have collection report on my XXXX credit report from Midwest Recovery Systems. The account number is XXXX. Please be advised that I am disputing this collections due to the fact that Midwest Recovery Systems, do not currently have a valid license in Illinois to collect on debts. This information is stating that their license is revoked. According to the IL Department of Financial and Professional Regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Billing dispute for services

Complaint:
I am writing to dispute a billing error in the amount of {$130.00} on my account. The amount is inaccurate because I did not make this purchase. I am requesting that the error be corrected, that any finance and other charges ( including late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX be redacted from your reporting to the Credit bureaus because I would not have been late on my payments if I was aware that a large transaction was made ( I did not budget for this fraudulent charge ) ) and related to the disputed amount be credited as well, and that I receive an accurate statement. 
Enclosed are copies of my credit report, and credit card statements supporting my position. 
Please investigate this matter and correct the billing error as soon as possible. I have highlighted and numbered these disputed items on the attached copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
Chase cards out of XXXX Ohio continues to charge me interest monthly, even though I pay my bill in full monthly by the XXXX of each month.. I have called time and time again 3 months now in a row their dispute department, and still they can not seem to properly correct the problem. They tell me I did not pay my bill on time which is incorrect. 
They seem to be very incompetent. I am requesting that Chase makes sure to solve the issue immediately or I will be dropping there services and banking. Also they refuse to agree with me on over charges from an XXXX XXXX 2015 statement bill from XXXX XXXX XXXX in XXXX XXXX of a {$50.00} credit. Reason .... XXXX XXXX billed us for two nights and we stayed one night. We arrived late the next day due to traveling complications. And my wife and i stayed one night. I submitted all paper work to Chase dispute with a negative response. I paid a deposit of {$34.00} and then got billed another {$100.00}. The room we stayed in is {$65.00} a night not {$100.00} a night. This included the resort fee etc I am a long time customer of Chase with good credit who pays my bill in full monthly. I expect better service with support. I 'd like an executive to call me at home XXXX eastern time any morning and solve these XXXX issues for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: STERLING JEWELERS, INC.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Kay Jewelers assigned a company to collect money on their behalf. I find it very shocking since I had my wages garnished from Kay Jewelers in 2016. For the past month, my life has been a living XXXX. My elderly mother is getting calls daily, my ex wife of 20 years ago is getting abusive phone calls. Also, my uncle is getting abusive and harassing phone calls, not to mention my current wife is getting the same calls as well. The last straw is when my current in laws or now getting harassing phone calls!!!

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 2020-08-15
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had been disputing with American Express some purchases I do not recognize as mine. I asked the company to send me a detailed report showing all purchases reported in my balance I never received it. The response received was unsatisfactory and does not resolve the issue. I don't understand why CFPB close the dispute without me, the prejudiced part, receive a reasonable solution of it. I add here the letter the company placed as a response, which did not solve the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Experian Information Solutions Inc.
State: NY
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:
Late Payments reporting and the accounts arent late

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 2022-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
THIS ACCOUNT IS NOT MINE XXXX AND XXXX YOU PUT A FRAUDULENT ACCOUNT UNDER MY NAME! Saying collections! NOT MINE THIS XXXX XXXX XXXX XXXX FOR {$140.00}!! I DO NOT HAVE THIS OR KNOW WHO THIS IS! Remove ASAP OR I WILL CONTACT A ATTORNEY

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 2015-04-03
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
Chase sent me a letter stating my Home Equity payment is increasing by some 300 % from {$980.00} to {$2400.00} and to call to see if they can lower my payment. I have been a good customer never missing a payment for both the first mortgage I have with them as well as the Home Equity. When I called they said they needed {$500.00} from me before they could start the process to see if they could lower my new payment. I spoke with XXXX. He informed me that it looked like I could combine both loans into a new mortgage and therefore avoid the huge increase in the monthly payment but I had to pay the {$500.00} first. I find this a bit odd and am surprised with Chase 's behavior and appears may be some fraud going on at the bank to get {$500.00} from folks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Issue: Credit determination

Complaint:
We had a small {$190.00} balance with a Chase Card that we did n't know about. We had electronic statements checked off online, but my husband had changed his email and we were n't receiving the statements. We did not receive any letters in the mail or any phone calls to inform us of the balance and to tell us that it was past due. Chase simply reported this to the credit agency without warning. This has now affected our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Modern Asset Management, Inc.
State: FL
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:
I have filed a dispute with XXXX in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I started to dispute my accounts with Experian, XXXX and XXXX since XX/XX/2022. I reached out to The Department of Education, and they informed me that they had not reported any late payments on my credit file and that I needed to dispute those late payments with the data furnishers. I sent the above XXXX credit bureaus the first dispute XX/XX/2022 XX/XX/2022. They have never investigated this dispute and they are in violation of the FCRA.

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 2022-05-21
Company: EQUIFAX, INC.
State: IN
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:
in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: ESCALLATE, LLC
State: OR
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I called on XX/XX/XXXX once I found out I had this collection. I asked for them to send me a copy of the collection, some sort of proof that I actually owe this and they will not send me anything. they wo n't tell me who the collection is from. I gave them my current address so they can send me what ever they have on file. They refused to send me anything. 

Escallate LLC acct # XXXX 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 explanation
Consumer complaint received 2022-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Late Payments reporting and the accounts arent late

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