BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-17
Company: Lending Club Corp
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My wife opened this account without my knowledge. She had access to our home computer, my dob, ss #, checking account and email. 

She used the proceeds from this loan to payoff all her charge cards which were at their maximum limits. 

At no time did I open this account with lending club for {$8600.00} It is now in collections with XXXX XXXX XXXX. for the above amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
XXXX direct express has allowed someone to empty my account of all my moneys and not even told me how or why they let it happen!!!, Just that they let someone wire all my savings to someplace and now its EMPTY and they wont let me know how this has happened with out my evening knowing Anything about it? 
I would like to talk to a customer service person on the phone to ask some questions about it! Not a computer voice that does not answer it just hangs up on me and says thank you good by!!!! 
My savings of over {$2000.00} fixed income for all my living needs is gone!! 
What can I do.?? Do I have any one to talk to?? And will this keep haplnging again next month when my SS check is sent? 
Any help will be VERY APPREATED!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-17
Company: U.S. BANCORP
State: WA
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 have never lived at XXXX XXXX XXXX XXXX, XXXX, OR. or XXXX XXXX XXXX XXXX, XXXX, OR I have never received a credit card, billing statement or late notice at my address XXXX XXXX XXXX, XXXX, WA I have asked for my original application for this card AND THEY ARE SORRY they are unable to get me that. It would show that XXXX XXXX was an AUTHORIZED USER and not a JOINT CREDIT CARD HOLDER They activated this card for him and let him change the mailing address and phone number. I am attaching my credit report showing the adverse information which will stay on my account for 7 years If you cant help me can you direct me to another agency that can help me. If not I will get an XXXX to help How did credit card companies get so much power

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: EQUIFAX, INC.
State: GA
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:
I have a XXXX account that is appearing on Equifax with a balance of {$1200.00}. The account shows on XXXX and XXXX as dimissed with a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: JPMORGAN CHASE & CO.
State: HI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage got sold over and over again in XXXX parts. The last XXXX to buy my XXXX mtg is Chase. They are threatening to foreclose now in spite of me making payments. The payments were rejected, attached if system lets me. 

I had told them I needed a reconciliation. I had told them that I just got my property back from XXXX mortgagor. I had told them I was sending my estimated payments in XXXX chunks. 

They ignored all my communiques and are proceeding. I need help to reach someone with reasoning capabilities at Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: JPMORGAN CHASE & CO.
State: IN
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Two years ago I was charged with a fee of about $400 for a HARP mortgage .  The loan request was not processed by Chase Bank.  I requested return of the fee without Chase response.  I understand that HARP loans do not require a fee.  I want fee returned. XXXX address XXXX Indiana.  XXXX Phone XXXX       Chase Bank Branch located at      XXXX    XXXX Indiana                             
                         
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Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: JPMORGAN CHASE & CO.
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
After having an account with Chase Bank for 15 years ( checking, savings, auto loan and credit card ) Chase Bank puts a hold on all of our accounts without notice or warning. When we called to find out why, we were told that " in order to keep you safe we need to verify your identity with the Social Security XXXX before we can release any funds ''. They said my husband had to go into a branch to fill out a form in order to have access to our funds. I explained that my husband 's paycheck would be direct deposited that night and we were scheduled to close on a house at XXXX the following day. I requested they release the hold on our joint account as my identity was not " in question '' They refused and stated if he did n't come in, the account would be closed in 10 business days and all account balances would be mailed to us. They held our funds to verify his identity but if they could n't, they would close our accounts and mail our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: Experian Information Solutions Inc.
State: NJ
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:
The late payments on my credit report show as of XX/XX/2020 and XX/XX/2020 for account number XXXX. There is no way this is accurate. I have tried to get this fixed so many times and Caliber loans refuse to fix it. The CARES Act was passed by Congress during COVID so I am not sure how I was even reported late. Please fix this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: Reliable Credit Association, Inc.
State: WA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I was making payments and the car got repossessed so i got it back by buying it back from the auction it was at and the car came back with so much damage and i called the tower and reliable credit asking for some compensation it was effecting the way it drove and it was not safe they never got back to me and told me there was nothing they could do about it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: COAST PROFESSIONAL INC
State: TN
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an outstanding balance with my college. I paid them the balance that I owed. I checked my credit report & saw that the college sold the debt to a collection agency. I disputed with the collection agency to let them know that I did not owe them & that I paid the debt to the original creditor. After getting the dispute results back, it was updated on the collection account as " Paid collection. '' This is inaccurate as I paid the debt to the original creditor. I 've disputed this account many times & I keep getting the same results. After disputing again, Coast Professional responded and CONFIRMED that I paid the original creditor and not them. I will attach that document to this complaint. I have never done business with Coast Professional. I have never heard of them until they were on my credit report. I have been disputing this inaccurate collection account reporting on my credit for almost 2 years. Remove it now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: JPMORGAN CHASE & CO.
State: NH
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I did n't modification with my mortgage company to save my home and they told me I had to miss three months worth of payments in order to qualify so I did that I we did the contract they lowered my payments they charge me {$36000.00} to do so I think it includes you know the late fees and interest fees but then I found out two weeks ago when I went to refinance because my interest rates going up again this year it 's going to go up 1 % every year until does it backed up to where it was to start with but anyway I found out two weeks ago that they actually added 13 years onto my 30 year mortgage so I 'm going to be worse off than I was when I asked for help I thought this was a government program that was supposed to help homeowners like me that were in a bad place I lost my job had to take a lower paying job and I just could n't make the payments I kept hearing about the government having a modification programs to help people out and I do n't think they help me out I 'm going to be in worse shape

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: Experian Information Solutions Inc.
State: TX
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 have disputed this erroneous account numerous times before and provided documentation. They refused to investigate and correct their error. They are illegally reaging the deliquency of an account that should have been deleted years ago according to Experians own documents. The account is 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 non-monetary relief
Consumer complaint received 2021-04-17
Company: WELLS FARGO & COMPANY
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: Their investigation did not fix an error on your report

Complaint:
Wells Fargo completely stole thousands of money from me. 

My ex-boyfriend took credit card advances out, transferred them to my checking account, and Wells Fago STILL thinks it's my fault even though I never authorized these actions. 

In addition, they continue to pile on late fees even as the fraud investigation was going on XXXX mind you, this happened XXXX, and it is not XXXX .... 

They missed about five claims that were filed. They never gave me any updates despite me reaching out via the app or a phone call almost EVERY day. 

No one knew what was going on ( I guess they do not take notes XXXX, so I had to repeat myself a million times. We all know WF is famous for stealing money, and it looks like they struck again. 

Paperwork attached.

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 2016-04-17
Company: JPMORGAN CHASE & CO.
State: TN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Please refer to my ongoing complaint. 

In the process of my ongoing complaint ; I have identified another MAJOR issue with the servicing of my mortgage with Chase Home Mortgage. 

Original : # 1 ) my payments are being misapplied # 2 ) Chase is telling me it is my responsibility to notify Chase when they misapply payments New # 3 ) Chase has dual records of my payments. I get transaction date when I obtain my records online, but a separate report send to me has " posting date '' showing the " posting '' an average of 2 to 3 days after the payment is posted. On average, Chase is charging me two to three days of extra interest due to this [ improper ] payment posting. 

Summary of NEW issue *please note that corrections were made AT MY REQUEST - Chase tells me that I have to notify them whey they misapply payments ( which is part of my original dispute ) Payment Received Payment " Posting '' Original Issue ( # XXXX ) XXXX/XXXX/XXXX XXXX/XXXX/XXXX no interest posted on this date XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX *correction - posted as of XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX no interest posted on this date XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX *correction - posted as of XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX no interest posted on this date XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX *correction - posted as of XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX no interest posted on this date XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX *correction - posted as of XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX no interest posted on this date XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX *correction - posted as of XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Savings account
Issue: Using a debit or ATM card

Complaint:
In XXXX of 2016 XXXX charged my acciunt for a transation they claim I made in XXXX. I immediately filed a dispute with mmy bank ( CHASE ) They provided me with a credit, Today ( XXXX/XXXX/16 ) I wake up to an account in the negative by more than {$160.00} because CHASE took the credit back claiming XXXX would not give them back the money and that it was past the dispute perod anyway & gt ; So a merchant cqan process a FAKE transaction and as long as they back date it the consumer has ZERO protection? I have XXXX XXXX I need every dollar I have to survive

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have disputed the findings and the company agreed to put the account in good standing as of XXXX XX/XX/2021 and to report to the credit agencies. It has been a month and a half without the credit agencies removing the negative remarks ...

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 2015-03-31
Company: JPMORGAN CHASE & CO.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
In XXXX Chase Auto Loans reported to all three credit bureaus that they had charged off a loan with me and the loan now carried a zero balance. It remained so for 5 years, until in XXXX I disputed the validity of the chargeoff still being on my credit report because the original chargeoff date was actually in XXXX. In retaliation they changed the status of the loan to REPO/CHARGEOFF with a balance of {$15000.00}, which is more than was ever owed at the close of the loan. 

The loan had a protection clause ( which I paid extra for ) which was an insurance of sorts that ensured in the event I was involved in an accident that caused me to lose my employment the loan would be " paid in full ''. While I filed numerous papers with both Chase and the dealership ( XXXX XXXX ) to ensure this protection was invoked, Chase and I in the end came to the agreement that I would return the vehicle to them and they would charge off the remaining balance of the loan. This is why in XXXX the balance was charged off to a zero balance. However, the loan agreement actually came to anend in XXXX when I turned the vehicle back over to Chase. This is why I disputed the entry still being on my credit report in XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent letters asking for full detail of everything I received at the hospital, and the company could only send me letters of verification without any information on what I received.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: ONLINE Information Services, Inc.
State: OH
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:
I would request that the items be removed under the CFPB 's Supervision. Once done I would request a copy of my updated report reflecting the new changes. 

I Have disputed this account and it was closed because it was fraud for the amount of {$160.00}. The account was closed on XX/XX/2021.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I have applied for a Principal Reduction and Loan Modification since the original Mortgage documents where made and signed by Chase representative without my consent and knowledge. Chase has not given me any compensation for the losses suffered by me and now trying to trick me into signing Home Affordable Modification Agreement documents which make the new documents take the place of the original documents since chase found that the initial documents were fraudulent. During the trail period time Chase send me letters stating that they will short sell or foreclose my house etc which puts very much stress on my family

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Chase Mortgage Acct # XXXX is reporting a balance of {$240000.00} on our credit files. This account should be reporting a XXXX balance as this was a Short Sale on XXXX/XXXX/XXXX. I sent a demand letter to Chase Mortgage on XXXX/XXXX/XXXX and have yet to receive a response from them. The only responses I have received are from the credit bureaus and the balance is still there. This is a major error that is preventing me from getting the credit we deserve. This needs to be corrected immediately or delete this account off our credit files!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our home went into foreclosure and my home was sold today and wanted to report the illegal activity from the bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 spoke with a representative from transunion XX/XX/2021 and I told them I do not recognize multiple inquires on my credit report Im a victim of identity theft and I wanted to get it removed immediately the representative denied me service and would not help me dispute the multiple inquiries on my account.

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 2016-11-02
Company: Paypal Holdings, Inc
State: FL
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Some how when I logged into PayPal I had a credit check run on me and auto signed up for a line of credit and had and purchase charged to it when all I wanted is for my account to stay the same linked to my account with no want or need for a line of credit. Very deceptive and sneakily sucked me into this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX account is over 9yrs old and closed for 7yrs transunion refuses to remove this old account from my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I already reached out to the credit bureaus and to MACYS/DSNB for the account number XXXX and notify them of their error posting for this account. I DO NOT OWN THIS DEBT, and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. Continued reporting of this inaccurate and UNVALIDATED debt. I thought they had dutifully complied with the law to cease any collection efforts unless proper validation has been provided. Then I found out that the issue still persists, I just had to escalate to CFPB.

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 2017-01-09
Company: Flagstar Bank, N.A.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The bank did not pay the tax from the escrow account in a timely manner, although I have reported the tax notice to the bank in the way they guided. Then, the bank claims that I am responsible for the late payment.

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 monetary relief