BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-15
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband was laid off in XXXX, creating a financial hardship. I contacted Ditech when we realized it was going to take a while for him to get his old job back. Upon doing this Ditech told us that we could apply for loss mitigation. They assured us that we did not have to worry about making our house payment during loss mitigation because nothing would happen during this process they could not do anything about it, there would be no foreclosure taking place. They also told us that if the loss mitigation application was denied they would work with us on making repayment to Ditech. One representative quoted {$1500.00} a month and ask us if that was doable. Other representatives gave us conflict thing information on a regular basis. But overall we were told we did not need to worry about our mortgage payment repeatedly. Now Ditech is telling us that we have to pay them almost {$3000.00} in order to catch up our payments. They will not except just one month to start. Although they did except it once before but now they 're telling me they wo n't. So instead of being able to work with them to set up a repayment program as they repeatedly told us they would do, they are requiring all late fees and two months worth of payments in the next 13 days or foreclosure proceedings will start. They have lied XXXX 's repeatedly during this process, one representative after another with different information. Some agents told us that we would have the payments tacked onto the end of our loan, some representatives told us our interest-rate would be lowered, some representatives told us that our loan would be put out to a 40 year loan. Again repeatedly assuring us that we did not have to worry about making a mortgage payment that they would work with us if our loss mitigation package was denied to set up a repayment program. None of this turned out to be true.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: Jon Barry and Associates, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I never received any notification regarding a medical bill that I do n't remember not paying. I would like to get a copy of this bill showing my name and date of appointment. I also would like to know the reason this bill was send to collection without my knowledge.

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 2016-10-22
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
have been a Chase United Milage plus explorer for a long time, I had no issues till recently, when I found a charge of XXXX $ XXXX in one day dated XX/XX/2016, The XXXX documented as XXXX.TX, I talked to customer service and they first told me they will send me a refund for the total of XXXX $ refund check ; when I did not see the check I called and was told that this charges are fraud and they will open an investigation on it, I kept on calling for follow up and I was told although the charge is reflected on my statement I do not have to pay util they evaluate ; on further contacts with them I was told this was not a fraud but a dispute, and they will look into it, until XX/XX/2016 I received a letter stating that I had authorized those charges, and have to pay for it! 
I am attaching the letter and the charges indicated in it for your information, Sorry about the doodles in it I did not know I will end up sending this to you, those doodles are a small part of my communications with them, I have called Fraud dept several times and dispute department several times, last call was last night with dispute department the agent connected me to the charging merchant XXXX XXXX XXXX after several rerouting we were told that those charges are not originating from XXXX XXXX XXXX. 
I have many issues here : 1 ) When such aberrant charge occurred on XX/XX/2016 x XXXX on the same day why Chase card services did not alert me? 
2 ) If XXXX XXXX XXXX states that the charges were not originated by them why the letter says that I authorized the charges? authorized who? 
3 ) Why customer service, fraud department and dispute section gave me run around transferring me from one dept to another and to XXXX XXXX XXXX? last call took exactly 2 hrs 4 ) When customers pay a yearly fee are n't we suppose to be helped rather than asked to directly talk to the merchant? 
I appreciate if you look into this and ask card services to credit my account on the total amount of XXXX $ XXXX for I have not authorized any such charges. 
Thanks Sincerely XXXX XXXX Scanned Image chase.tiff

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I used my chase/visa card to purchase close to {$50000.00} in merchandise for a company called XXXX. The site is no longer functioning, I can no longer log in, costumer service email and number are no longer being monitored, and I have no means to reaching anyone at the company. I filed a chargeback with Chase but it 's been a nightmare. They are unwilling to help me and it appears there dispute department is outsourced. Its been 45 days and I have not been helped one bit. I mailed a XXXX page document of everything I was owed but I received a letter saying my chargebacks were denied. I dont know what else to do and can not understand why they are not protecting me from companies like XXXX. There are other people who are in the same situation as me, XXXX, and they have already been refunded. Chase is just unwilling to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: Platinum Holdings Group, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I was contacted by " XXXX XXXX '' said he was calling from worldwide recovery and claimed to be in the legal department. they are using an auto dialer.. and requesting alot of personal information.. where Im living and my building number. also, said he were collecting on behalf of EQR for a broken contract. 

I spoke with EQR and we have a settlement agreement already on the outstanding debt. and they confirmed they are not affiliated with the said : world wide recovery company or Credit Management.. 

These people call me all the time. from different numbers XXXX, XXXX, XXXX, XXXX Etc. constantly threatening legal account. they say there are court processors. and filing a case against me. they tell me there send court processors to my house and work place. and they have warrants issued for me and my employers has been verified. Etc. 

XXXX man screamed and cussed at me then hung up on me.. XXXX Way to represent the Federal Courts XXXX XXXX Processor/ Attorney. ) they never say the calls are recorded nor identify where there calling from ( only say its a personal and legal matter and address everything by their names. ) I have had my number registered over a year on the XXXX list. and these people do not care.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Sale of account

Complaint:
On XX/XX/XXXX my Chase/XXXX credit card, open since XX/XX/XXXX, was transferred to XXXX, along with my specified {$13000.00} credit limit I worked to maintain. 
When applying for a new Chase card I was denied retaining my {$13000.00} credit limit even with a FICO score of XXXX, I guess because it transferred too, without notice to me and without my permission. I have always paid in full at the end of every month and have never been late so my record is remarkable. 
I do not plan to use a XXXX credit card at all or ever. 
I want restoration of my {$13000.00} credit limit to a Chase bank credit card, without XXXX, and with no penalty to my credit score or my credit standing. 
I have good reason to believe that XXXX is disclosing my personal information without them requesting proper identification from a phone caller or identifying themselves. 
This is most unfortunate and causes me personal identity concern and I feel I am " caught in the web '' of this transfer, XXXX divesting or whatever they choose to call it. The only notices have come from Chase, which has shown consideration, and nothing from either XXXX or XXXX at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-12
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
With response to my claim # XXXX, I have made payments on the due date, and now they have increased my payment. I am not even making minimum wage and they wo n't help me. They told you that I needed to re submit the forms, but I have done this 3 times now but no reply. I stated this to you to dispute their last response, but I have n't heard any reply from you. I ca n't even buiy food for my XXXX sons because I do n't work XXXX hrs nor do I make minimum wage. Someone please help me!!! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: Nelnet, Inc.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I have been XXXX for the last three years therefore i have had multiple student loans my concern and confusion is as to why my loans each semester are separated into multiple accounts if i 'm withdrawing a balance from the federal government for education why is n't it reported as on account in the process of pursuing my degree i'e had to take time off to work to manage bills and debt due to that happening is caused my loans to report as not deferred for a 12 month period causing my credit score to drop at least XXXX points because the student loans report as multiple balances instead of just XXXX as well as multiple late payments now i 'm unable to be approved for an fha loan for at least a year while i wait for my score to go back up what can be done to bundle the balance for student government loans?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: John C. Heath, Attorney at Law, PLLC
State: MD
Product: Other financial service
Sub-product: Credit repair
Issue: Fraud or scam

Complaint:
I was contacted by a representative and was told that I needed to pay for a credit report. The very next morning I tried calling to cancell and was not able to speak with anyone. When I was contacted today by a representative from thier company I told him that I had been trying to cancell and he hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX I faxed my " Loss Mitigation " Paper work to the XXXX AZ office. I called the phone number on the loss mitigation papers { which was completely different than XXXX Number } later that day to see if they received it and I was redirected to XXXX XXXX She told me it looked like they got some of the papers I sent. Then quickly changed the conversation to needing a payment I explained that I was calling just to confirm that my papers were received and that my husband would be calling in with the payment information. She yelled at me and said my husband and I need to get things straight. She said you have to answer to payments and continued to scold me on how I purchased a home knowing that I could n't afford it. She put me on hold and sent me to another representatives which would n't give me any information regarding my paperwork sent. She continued to harass me for payment. I felt like I was being " BULLIED " by these XXXX Green Tree Associates!! I had to hang up because I was brought to tears and for the first time I felt hopeless. I was scared that this new provider was out to take my home. We just recently got sold to Green Tree. Our last mortgage company was XXXX XXXX XXXX. Green Tree has no soul.. I 've never been subject to such brutal tactics. XXXX I called the loss mitigation number and XXXX XXXX Answered and again she would n't tell me what was missing from my submission of paperwork before she told me I had to make a payment. I told her she was wrong for treating me this way and that I 'm trying to get help so I could make my payments on time. She told me that she was sending me to her manager. XXXX is her name and she was completely understanding and told me what was missing and listened to my concerns and lastly before we hung up she reminded me of payment and I was cooperatives with confirming a confirmation on calling on Monday to schedule a date for payment. I know they are changing to XXXX in the coming months. I hope that they clean out the Rude and unprofessional associates XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Very long and drawn out story. We were in the middle of a " modification '' with WaMu when housing market collapsed and loan was given to Chase where they immediately began foreclosure, even though we had been following all the rules of the modification. We then filed bankruptcy to save our home and for 2 1/2 years, we paid Chase back through the bankruptcy. At the 2 1/2 year mark, I spoke to a VP at Chase Mortgage and he set a team on my mortgage and did a permanent modification for me and I was able to remove the mortgage from the bankruptcy. Since that time, I have NOT been delinquent although they still do not report to the credit agencies. My problem is that my Principle Balance is XXXX LESS than my payoff. Principle is XXXX and the Unpaid Principle Balance is XXXX. I realize that some may be back interest from the entire debacle but I also have a feeling that they are gouging me with so many " corporation '' fees and charges. We ca n't get out from under this mortgage. Our mortgage is almost XXXX a month with no END in sight with an almost 6 % interest rate. I have tried with Chase to refinance for the lower interest rate and was turned down. I have called them multiple times asking for a breakdown of transactions on my account and although they sent me a " history '' there is no description. On XXXX XXXX, 2012 there was a XXXX adjustment to my account with ABSOLUTELY no description. On XXXX XXXX, 2012 there was a XXXX adjustment but it gave a description of XXXX XXXX XXXX ( which I fully understand ). I just need to make sure that I do n't have XXXX dollars of FEES AND CHARGES from Chase. We are a middle class family of XXXX living paycheck to paycheck and want to move to a less expensive home and lower mortgage but because of this " pay off '' we are stuck. The only option we have is to give it back to the bank and I DO N'T want to do that ... we have been working so hard on getting our finances back on track and want to be home owners again. I would really appreciate if someone could help us. I 'm not sure what other options we have.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Privacy

Complaint:
A XXXX form was sent to an address XXXX XXXX XXXX, XXXX TX XXXX. I have never lived in a city or at that address. The individual who lives at that address contacted me and forwarded me the XXXX form. I have contacted CHASE credit card to inquire how and why this happened as I have lived at the same address XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX for 13 years. After several attempts to speak with chase and understand who authorized the address change they said they do not know how or why the information was sent to the 3rd party and that they do not keep records for that information but that they were sorry it happened. Chase bank reps do not want to discuss the matter with me and I feel they are trying to hide how this event occured.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
The National Student Loan Data System is reporting incorrect information regarding my attendance at XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX 's records show inaccurately that I graduated in XXXX 2011. I did not. I was attending the school through the date of closure and was scheduled to graduate in XXXX 2011. I was unable to graduate because the school closed while I was attending it. NelNet is refusing to provide a closed school discharge because of false and misleading information reported on the XXXX XXXX XXXX XXXX XXXX. I have provided them with many documents supporting the fact that i was enrolled in the school at the time of closure. After trying to resolve this issue with the XXXX with the XXXX, the XXXX told me Nelnet agreed to accept my transcripts as proof of enrollment. I have provided the transcripts, but NelNet is still refusing to grant the discharge. It states it is relying on the information on the XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card
Issue: Credit determination

Complaint:
After comparing credit cards on a consumer finance site ( XXXX ), I selected a Chase Slate credit card that offers 0 % interest on balance transfers for the first year or so. I have a Chase Amazon card but we are selling our house right now and the card balance has been increasing while we wait to find a buyer for our home. I wanted to transfer the balance to Chase Slate to take advantage of the tools. I applied online and Chase pulled my credit. I was not provided an online result and the site indicated I would receive a letter. I 've never received anything. I still do n't know what happened. I suspect Chase does not want me to transfer my balance from one Chase card to another because they are currently making interest on my balance. However, I did not find any limitations on applying assuming you can qualify. I have no idea what happened and have not provided any documentation. That was well over a month ago. We 're just waiting and waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
For over 30 years I have had a credit card account with Chase. A few months ago I decided to add an authorized user on my account because I had n't used the account in quite a while. Well from the moment my authorized user began using the account it was one headache after another! Now I appreciate and understand Cjase wanting to make sure that no funny business is going on with the account but what they did and are doing should be illegal. I informed Chase in writing that the account would be used by my authorized user and at which stores, dates and approximate amounts spent. Well they kept freezing the card and I would have to call them or wait for them to call me to verify activity on the account. This happened at least 5 times in 3 weeks. In XX/XX/XXXX I put in for a balance transfer offer that Chase was doing at the time for a couple of credit cards that I had some small balances on. Bear in mind these were my own accounts in my name only. Well Chase decided to shut down my account, remove my authorized user and not communicate with me as to why it was being done. My credit limit was {$26000.00} and there were approximately {$14000.00} worth of charges to the account including the balance transfers. For 2 weeks every time I tried to call to get information about what was going on I kept being told that I would have to wait for someone in another department to call me. The call never came. Then I find out through my authorized user that Chase closed the original account and set up a new account with a XXXX balance. I never received a new card, a letter or anything explaining what was going on. So when I call then XX/XX/XXXX they tell me that I need to go into a branch with a valid photo ID before any information can be shared with me. Despite the fact that I have a credit alert on my credit report which gives my number to call to verify Chase never did that. If I had been asked to go into a branch back in XX/XX/XXXX when this all began I absolutely would not have had a problem doing so. However, it was a month or so later after they had taken all of these actions without so much as a phone call or letter of explanation. And if I had not been made aware of the new account and called myself I never would have been notified that they wanted me to come into a branch. And to top it off last week after showing that the balance is XXXX and refusing to give me access to my account online, they withdrew a payment from my authorized user bank account for payment! My authorized user bank account info was on the account because they had agreed to have payments come directly out of their account since they were using the account. It was really all about rebuilding their credit. So I want Chase to either give me access to my account and send me new cards or to stop reporting this to the credit bureaus. They took over my accounts as completely as any identity thief ever could!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXXXXXX XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX

Company response to consumer: Closed with explanation