BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-24
Company: JPMORGAN CHASE & CO.
State: OR
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I made arrangements with a Chase representative for my account due date to be changed to a later date to make sure my account will always be in good standing with my new bill-pay at my new bank. This arrangement reassured my payments not be late. Chase claims they have no record of the agreement. I understood my account was in good standing until I received a letter with XXXX late fees assessed, months after my bankruptcy discharge. Apparently, as I discovered over the phone, their department which handles the sending of delinquent notices did n't have on record that I had been discharged. I was allowed to remove XXXX of them although XXXX {$100.00} charge is still standing. I have always made my payments on time and worked to make sure the account was in good standing but have not had an easy, fair response back from Chase regarding this mix-up. It is not fair that I am penalized for the lack of communication on their end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-23
Company: JPMORGAN CHASE & CO.
State: MO
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
I have moved from XXXX to XXXX. There are no Chase banking centers here, so I am in the process of changing my accounts to a local bank. I had an IRA CD with chase and did a trustee to trustee transfer to a local bank, believing that there would be no penalty attached as I am XXXX years old. 

Chase charged me {$1800.00} - THEIR PENALTY - for making the transfer. I have already talked to a repesentative and am told there is nothing I can do about it. 

I want to register a complaint anyway because this just absolutely stinks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: Fidelity National Information Services, Inc. (FNIS)
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
CHEXSYSTEMS IN REPORTING FRAUDULENT ACCONTS IN VIOLATION OF DODD-FRANK ACT

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 2022-11-11
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
On XX/XX/2022 I received an email stating that PayPal would be keeping my {$26.00}, XXXX due to Acceptable Use Policy Violation. 

PayPal is in breach of their contract as their contract states all/any disputes would be handled via Arbitration. I was not allowed to have a third party involved as far as an Arbitrator nor court involved in this decision, PayPal has played the role of Judge, jury and executor. 

PayPal has not presented me with any evidence regarding their alleged claims against me but instead has taken an aggressive adverse action against me. 

In addition the consumer wonders if this has been reported to the IRS for proper credit for taxes...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: Cooper Hoffman Klein Associates
State: AL
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I received a payday loan from XXXX in XXXX. I was under the impression that they took the funds from account. However early in the year of XXXX my mom was contacted stating that a company had a warrant out for my arrest if I did not contact them. So I contacted the company handling the situation for XXXX XXXX. I told them I never performed any fraud and that XXXX had their money. They explained that they did n't and thatvi needed to pay ASAP. I informed them of the amount that I was able. The company stated that was not acceptable. I did pay them XXXX $ towards the debt. But they contacted all my references that I used and them that I performed fraudalant activities and was facing jail time. They call my phone at least XXXX to 30 times each day back to back. This almost cost me to lose my job.

Company response to consumer: Untimely response
Consumer complaint received 2022-11-11
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
M & T Bank holds the mortgage to my condo and I was in court proceedings for foreclosure with M & T Banks attorney 's I applied to XXXX XXXX XXXX XXXX XXXX  to help reinstate my mortgage. 
My mortgage is with XXXX XXXX XXXX XXXX  Agency ( XXXX ) XXXX at that time ( XX/XX/2022 ) requested the most current mortgage statement, and they then reached out to M & T Banks attorney 's that are assigned foreclosure case. 

The my mortgage statement was reviewed by both parties and negotiated the amount that would be accepted by M & T Banks attorney 's to reinstate my mortgage and bring it out of foreclosure. 

I then received an email in XX/XX/2022 for XXXX a promissory note and singed stated that the funds/amount would reinstate my mortgage with M & T Bank XXXX 

After M & T Bank received the funds from XXXX they then told my that my mortgage payments were brought current and that I still owed additional {$9800.00} plus to them. 

Bait and switch- this is not what the agreement stated when I signed it. 

If someone could please help me with this matter I would very much appreciate it. 

Sincerely, 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 2016-06-08
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
JP Morgan Chase foreclosed on our home and claims that it was legitimate and by the guidelines after accusing me of not submitting the requested documents in a timely manner, during a loan modification review. I submitted EVERY document that they requested and in a timely manner. The law firm that was assisting me with trying to obtain a loan modification even sent the same documents and in a timely manner as well. 
Evidently the documents sat somewhere in their building or mail room and did not get processed as they should have and they accuse me of not submitting them in a timely manner. I have written NUMEROUS times to inquire about our request and of course I could never get the same person on the phone more than once and always had to try to figure out who I could possibly speak with that could help me but there was never anyone that could. 
Although, I did manage to get temporary payments set up and got the number of one person that was able to help me ( but he could not help me with the rest, only temporary payments ) and he told me to call them in rather than mail them so I did just that. After making several temporary payments while our account was under " modification review '', which I did calling the same guy each month, I called the same number and he was not available because he evidently " was promoted and was no longer in that office ''. When I asked to be transferred to where he was of course the representative that answered the phone did not know where he was so she asked to help me. When I told her that I was set up with temporary payments she pulled up my account and told me that she could not accept my payment because our loan was under a " modification review '' ... .. so I reminded her of what I just explained to her but she would not accept my payment. When I explain this in my reports they basically accuse me of lying and say that no one there would have said that to me. Perhaps they could retrieve the " recordings '' that they say they make for " training purposes '' and find out that she did tell me that. I gave them the name of the n person that I spoke with and the number that I called. 
I am NOT going to stop reporting this because I think it is wrong for a XXXX XXXX dollar company to treat people that are trying to save their home like this and foreclosed on our home when we were trying to save it. 
They have been fined numerous times for doing this to homeowners but yet still get away with it. Why?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: NY
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2015-05-13
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card
Issue: Other

Complaint:
I signed up for a XXXX that has an annual fee when I was traveling a lot for work and could benefit from the benefits offered with that card. I no longer travel for work and I no longer want the benefits associated with that card and I want to convert it to a card with no annual fee. Chase bank does not offer a credit card with no fee that can be assigned to this line of credit. The only option they gave me is to cancel my line of credit. ( or a card with a lower annual fee which is not acceptable ) This would have a negative effect on my credit rating because my credit usage would go up, and my life of credit would go down, resulting in a reduction of my XXXX score. This is not fair. they are holding my XXXX score hostage. This is extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
Chase refuses to go through with a chargeback for an unauthorized amount. I had agreed to a purchase of {$24.00}, and was charged {$170.00} on XXXX/XXXX/15. I initiated a chargeback with chase to attempt to recover the funds from this transaction. Chase did not ever send me a written reply about the status of my case. I requested updates on the status in writing every 2 weeks, with verified delivery. Chase eventually told me that " too much time has passed, and we are unable to do anything about this dispute. '' I told them that this was not fair because I was constantly requesting updates, and the original dispute was within the 60 day window allowed. They claimed that they sent me mail requesting information from me, and I never replied. When I told the representative that the only reply I had gotten from XXXX was that " they were investigating and would let me know if they needed further information '' and that I never actually received a request for said information, he said there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
In XXXX of XXXX I was offered a forbearance loan by XXXX XXXX then in XXXX of XXXX I was transferred to XXXX XXXX for a loan Modification, now I 'm working with XXXX XXXX as of XXXX XXXX, all with the LoanCare Servicing company. In XXXX California passed a law that the loan servicing company had to provide you with a written letter that your loan modification servicer was going to be changed to a different person. I have been tossed around by XXXX different people and each has a different answer to any question that I ask. I 'm being told now that my final loan medication will take 90 days to complete during which time they will continue to report my loan to the credit bureau as being late. I have made all of my forbearance loan payment and trial loan modification payments on time and yet I 'm continued to be punished by them. This has caused my credit to be greatly effected. And I demand someone look into the practices of the LoanCare because every call to them yields a different answer.

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 2015-09-29
Company: JPMORGAN CHASE & CO.
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
A request was made through customer service to stop an online payment scheduled from Chase Bank. 
The payment was stopped and the amount was credited to my account. I had informed the merchant that I am stopping the payment as I had already paid them and the merchant acknowledged the same. 
However the bank delivered the cheque to the merchant, and Chase customer service did not informed me that the bank will deliver a cheque to them irrespective of stop payment. The merchant submitted the cheque which was bounced and their bank charged them {$50.00}. 
I have to pay for it as my bank delivered the cheque. 
There is a flaw in the chase online payment as they should have informed me that cheque will be delivered and I could have communicated same to the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have requested the validity of a Chapter XXXX Bankruptcy on a couple occasions as the date of discharge is incorrect as well as the filing information. I have requested in both writing and via email for this to either be updated or removed. I have tried to no avail, therefore, I am reaching out to you guys in hope you can assist in getting this resolved once and for all. 

Thanks in advance for your help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: ENOVA INTERNATIONAL, INC.
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I explained to several representatives and agreed upon paying {$82.00} vs {$380.00} every two weeks. When I greed to this it was via chat and they did not stress to me that the normal payment as well as the agreed upon reduced payment was due. 

They have me trapped, and I asked to have the loan or line of credit terminated and to reach an amicable affordable every XXXX weeks payment. They will not work with me and have overdrawn my checking account twice and disregarded my instructions and request. 

I am willing to be an adult and reach a mutual agreement but they have me caught and continue to say there is nothing they can do. Trapped and no relief or mutually agreed upon terms will be passed on to me to work with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have trying to Get the XXXX AL address off of all of my credit reports for years! What is the problem. I've never lived their. I've never had mail delivered their. My x-wife lived their with her dad and step-mom as we were going through our divorce. I have lived in my house that I bought in XXXX since XX/XX/XXXX. I threw hew out. Filled her truck and told her to leave. Find me anything that ties to XXXX! 

XXXX XXXX. XXXX XXXX XXXX XXXX Is there a problem?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX >Sold ; was Charged-off< Closed XX/XX/XXXX in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX 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 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 2022-11-11
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2016-09-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a checking account at Chase Bank in XXXX, NY with a coupon guaranteeing a {$200.00} rebate with direct deposit. I told the clerk I was a secondary name on another chase account to ask if I still qualified. She went to a manager to check and came back with an affirmative. I complied with the direct deposit stipulation but hadnt received the rebate months later. When I asked at the branch they said I didnt qualify. I wouldnt have opened the account if the bank representative said I didnt qualify at that time. Obvious misrepresentation to get me to open an account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I pay off my balance due on XXXX/XXXX/XXXX which it was a weekend but they claim if was after they cuff off and charge me interest even that it was paid on time and in full. The payment was no process with my bank until XX/XX/XXXX because the due date was over the weekend. Whether is mail or online the laws says that we have 21 until the due date for the credit card to received payment and if the payment is over the weekend there is a grace period until the next business day. The law of credit card act does not specified any time cutoff for weekend payment only for business day. if payment is received within the 21 days and fall in a weekend a grace period will be in place. Whether is mail or online this should apply. The credit card law of XX/XX/XXXX section 106 ( a ) 2 and section 163 ( a ) and ( b ) which they credit card company did not mail me the statement within 21 days to the due date as require by Law. I received the statement on XX/XX/XXXX when the bill was due on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I purchased a car from XXXX XXXX XXXX in XXXX 2015. When I was arranging auto financing with Finance Director, she said if I purchased additional options like a service contract she would give me an auto loan with Chase Bank for 78 months at a monthly payment of {$600.00}. When I returned a week later to cancel the option, she would not lower the monthly payments to {$350.00} for the original term of 78 months to adjust for the lower purchase cost even though she told me otherwise when I purchased the car. She wants me to continue to pay $ XXXX monthly with a new term of 60 months. In addition, after more than 2 months she has not adjusted the loan balance to the lower amount even after I contacted her and Chase Bank numerous times. Presently, I am stuck with a higher monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There is a reported address on my credit report that does not belong to me.

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 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
For the last 2 years I have Used the credit builder card from XXXX otherwise known as XXXX XXXX  I stopped Using the account a while ago and they reported the account 30 days late. Its impossible because this is a prepaid credit account and you cant spend money you dont have I tried calling them but they refused to fix it and gave me vague answers. My former name XXXX is on the account just for your records but I called them and asked them to remove the late payment because it was never late and was impossible to be 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