BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-24
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to get my mortgage caught up since XXXX when I called Chase Mortgage to ask for a letter stating that my home was close to foreclosure so that I could take money from my XXXX to catch my payments up. They sent me that letter and I applied for the money and received it on XXXX XXXX, 2015. At that time I called Chase to make the payment and was told that they would have to send me a reinstatement notice which I never received and I just found out today that they sent it to a foreclosure attorney irney instead. I called the attorney ( XXXX and XXXX XXXX ) and was told they would have to order a reinstatement. In the mean time I received a notice from Chase giving me the amount that I would need to pay in full and it stated that I would need to send certified funds but it did not give me a specific address to send it to. I called Chase back at the number that was provided me to call when I received the notice ( XXXX ) Ispoke with XXXX XXXX who told me that I would need to call the attorney for that address. I called the attorney and XXXX told me that they had not received any information from Chase as of yet and if Chase had sent me this notice of amount due then they would need to provide me with an address to send it to. I called Chase back and I have since spoken with XXXX more people, XXXX of which was giving me an address to send it to when we were disconnected. I called back and of course I could not get back to that person so I had to go thru the same spill with XXXX other people who then again tell me that I will have to deal with the attorney. So at this point I have a bank that will not take my money and a foreclosure attorney who does n't know anything. I finally got to a lady ( XXXX XXXX ) at Chase who called the attorneys office herself and she was told that they do indeed have the paperwork and it will be completed in XXXX hours. Why is it such a problem for people to tell me exactly what I need to do to get this taken care of and why was I told that Chase would do XXXX thing and then they do another. I have spoken with XXXX people today just to get to XXXX XXXX who maybe is telling me facts. I made my first call at XXXX today and I just got off the phone at XXXX. I am concerned because now not only do I have to pay the late payments but I will be charged attorneys fees which I would not be paying if Chase had done what they told me they were going to do. I realize this is my fault that I am in this situation but I am trying desperately to correct it. I was told today repeatedly that the reinstatement notice was sent to me when in fact it was sent to the attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Other fee

Complaint:
I ordered a spa cover on XXXX the XXXX from XXXX XXXX XXXX XXXX XXXX XXXX Ca and they charged our XXXX Card for XXXX. We called them later that day to tell them that our spa maintemance guy had found a leak in our in ground spa and that he said it could not be fixed. He said that since he had already charged our credit card that we had to pay him for the {$35.00} in discount fees. Surcharging is illegal in CA and we live in that state. I requested that he issue a credit on XX/XX/XXXX and followed up with him in XXXX to let him know that we had not received the credit. We called our credit card and disputed it. He is not threatening a lawsuit if we do n't pay {$70.00} in crediot card fees he incurred for both the sell and chargeback.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Kindly delete XXXX  XXXX XXXX from my credit report immediately due to your violation of section 611 ( c ) of the Fair Credit Reporting Act which clearly states Section 611 ( c ) of the FCRA provides : " Whenever a statement of dispute is filed,... the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer 's statement or a clear and accurate codification or summary thereof '' Kindly see file attached which is a copy of a credit report which I received which is dated XX/XX/2022 which has the above mentioned violation. 
I previously got a credit report dated XXXXXXXX XXXX,2022 which had the same violation and I have already filed a complaint about that already. 
No where on the credit report is it mentioned that I have disputed the accuracy of the XXXX  XXXX XXXX account that is reporting on my credit report and this is a clear violation of the Fair Credit Reporting Act. 
Failure to delete XXXX  XXXX XXXX from my credit report will result in me taking legal action to recover damages under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: Thaxton Investment Corporation
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
they are showing a balance of XXXX that is inaccurate please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card
Issue: Other fee

Complaint:
During my XXXX billoing cycle, BofA charged me {$30.00} in interest, even though I paid the previous month 's balance in full, as shown on the XXXX billing statement ( attachment ). This is my first inquiry. 

Also during my XXXX billing cycle, Bank of America issued me a credit of {$10.00} for a fee they waived from my account. Therefore, at the end of the billing cycle in XXXX, I paid my full balance minus {$10.00}, assuming that the {$10.00} refund would apply towards my account balance. 
However, in the XXXX statement, I was assessed an interest charge of {$31.00}. When I called Bank of America to ask why, they said that I had underpaid by {$10.00} because the {$10.00} refund of the fee did not apply until the next billing cycle XXXX. My second inquiry is this : if the {$10.00} appeared on the XXXX statement as a credit, how can they not apply it toward my outstanding balance? I believe this is deceptive. 

I then asked how a {$10.00} underpayment could lead to {$31.00} in interest. They told me that underpayment on the account causes any purchases after the underpayment to be considered part of the average daily balance, even if they are part of the current billing cycle which is normally subject to the usual grace period for payment. This is the third inquiry. This explanation does not make sense to me, nor can I find it documented in the Terms and Conditions of the card. Extended questioning of over XXXX minutes with the customer service representative also did not yield any clear answers - they just kept referring me back to the Terms and Conditions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account number XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX TransUnion has violated my rights 15 USC 1681 section 602 States I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish account without my written instructions 15USC 1663 : A creditor may not treat payment on a credit card under any open end consumer credit plan as late for any purpose.

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 2022-05-22
Company: EQUIFAX, INC.
State: MI
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 used my credit inproperly by telling other credit bureaus that my credit was reporting late payments and also accessing my credit score without my knowledge being locked and my account has been locked since I been reporting has been used improper XXXX to companies making them close accounts of all my creditors and I been paying on time with accounts are all coming out of my accounts. Experienced has contacted all three credit bureaus and told then I paying late on my accounts and they are not late at all. They has been fraud reported on my account in letting people access credit in my name and I locked my account and always be ; locked but every time it shows someone tried to get credit in my name. There has been reporting wrong to all credit bureaus tha5 my account is not paying on time and that is a big lie! All my accounts are paid on time and they had other credit accounts closed on my account according to all my creditors and they all had told me like XXXX  XXXX, XXXX,, XXXX  XXXX, and many more and it shows o paid them on Time and my account has been compromised by experienced with lies and things that are wrong to other credit bureaus all had told me that expertise contacted them like XXXX and Equifax both told me that experience reported to them my accounts are XXXX and they are not made them closed all my accounts paid o t8me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX I sold XXXX XXXX to a buyer on XXXX for XXXX. 
I received a receipt for the Bank of America deposit via the website. I could see that the deposit was made in cash. I sent the coins to the buyer thinking that everything looked okay. 
The next day on XXXX, there was withdrawal on my checking account of XXXX. I called Bank of America the same day.and filed a fraud claim.I called back the next day and they said that not enough time has passed and that they are still investigating what happened. I finally received a call today, XXXX from the Bank of America fraud department and they said that someone else filed a fraud claim on the XXXX and they are holding the money while they investigate. They said that I may be liable for fhe fraud because someone had my checking account number. I explained to them that the checking account number is printed on every check i have written from Bank of America and that the information is not that private. They said it had nothing to do with checks, I guess they did not understand the point I was trying to make.The bank also said that I should file a police report with my local department. This crime occurred in another state, Washington so the police would no power there. I feel that I am being treated unfairly and the money I received in cash to my account for coins that I purchased for about XXXX is being held by Bank of America and is in jeopardy of being distributed to another party which is not right or fair at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act. 
The Following Accounts have violated my Federally Protected Consumer Rights to privacy and confidentiality under 15 USC 1681.

Everything has to be 100 % accurate on my Credit Report.

The Credit Bureaus stated my account was properly investigated, How is that possible? There are still multiple in accuracies? Open Date is inaccurate, the date last active is inaccurate and the Date last reported is incurate, different $ amounts in accurate. This is grounds for immediate removeal. They also violated my rights under the following : 15 USC 1681 Section 602A. States I have the right to privacy.

15 USC 1681 Section 604A section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.

They also allow the Reporting Source to dictate validity vs. Following the Law. 

See Accounts Below : -XXXX XXXX XXXX XXXXXXXX XXXX Account : XXXX. STILL INACCURATE - REMOVE. 
-XXXX XXXX  Account : XXXX. STILL INACCURATE - REMOVE. 
XXXX Account : XXXX. STILL INACCURATE - REMOVE. 
XXXX XXXX Account : XXXX. STILL INACCURATE - REMOVE. 
XXXX XXXX Account : XXXX. STILL INACCURATE - REMOVE. 
XXXX XXXX XXXX XXXX. STILL INACCURATE - REMOVE. 
XXXX Account : XXXX. STILL INACCURATE - REMOVE. 
-XXXX XXXX XXXX  Account : XXXX. STILL INACCURATE - REMOVE. 
XXXX XXXX Account : XXXX. STILL INACCURATE - REMOVE. 
XXXX Account : XXXX. STILL INACCURATE - REMOVE. 



They Also violated my Federally Protected Rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if the items are found inaccurate or can not be verified the consumer reporting agency shall promptly delete the information from the file of the consumer. 




I submitted a complaint with the XXXX and the Attorney Generals Office. These Collection Agencies are volating my rights, not adhearing to federal law and costing me dearly. 


According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I WANT ONE THOUSAND DOLLARS ( {$1000.00} ) per violation and REMOVE THE ACCOUNT ( S ) IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Other financial service
Sub-product: Foreign currency exchange
Issue: Excessive fees

Complaint:
I ordered XXXX XXXX yesterday ( XXXX/XXXX/2015 ) from Chase branch XXXX at XXXX, NY. The bank applied XXXX ( equivalently, XXXX XXXX per USD ) exchange rate, which is 11.3 % higher than yesterday 's close FX rate of XXXX ( equivalently, XXXX XXXX per USD ). This means I overpaid {$140.00} out of totally {$1300.00} to get XXXX XXXX. 

Misled by my past trust to Chase service, I only realized this ridiculous overcharge last night. When I called the branch manager today, he said there is nothing they can do. They follow a standard practice to mark their FX rate to retail customers. 

I feel the practice to mark FX rate 11 % higher than market close for retail customers is outrageous. Therefore I am filing this dispute, not solely to refund my own money, but to ask Chase to ( 1 ) Always disclose, orally and in all receipts, how many % the retail customers are over paying for foreign currencies comparing with FX market close ; ( 2 ) Disclose to public in past 10 years totally how much dollar amount did such overcharge accumulate ; ( 3 ) Apply a % cap on how much such over charged FX rate could be compared with FX market close ; ( 4 ) Investigate their internal practice of marking FX rate for retail customers and disclose the result to public.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20
Company: JPMORGAN CHASE & CO.
State: KY
Product: Credit card
Issue: Balance transfer

Complaint:
I used checks sent to me in the mail from Chase to conduct a balance transfer from my XXXX XXXX card to my Chase card. Chase almost immediately billed me for the amount and XXXX XXXX says they never received anything from Chase. I have called numerous times and spoke to numerous people on both sides and was told last Friday by Chase that they would " expedite '' it. I still owe {$5700.00} to both cards. Chase will not verify that they sent it to the correct account. Of course Chase has charged me a fee too.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Issue: Other

Complaint:
I was coerced into applying for a credit card with a larger balance at a Chase bank location, advising because I had a great credit score and debt to income ratio with little to no credit card debt, I would be approved. After waiting for several days, I called in and was told I was denied due to too many accounts opened in the last year. When I asked for more detail as that is counter to what I was advised, they refused. I then asked if I was getting a hard hit on my credit report for their mistake/mis-communication, she said yes. I was lied to and am now dealing with the repercussions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was in modification with chase bank and they decided to stop the process and foreclose the property without any letter or follow up. The property sold this week and and the new owner sends a letter about moving out within so many days and we had no notice from chase about any of this happening the lawyers never sent any correspondences what right do we have as consumers when big banks just shut the door on property owners without notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: Forster, Garbus and Garbus
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I was called by XXXX saying I owe XXXX for a debt that is 7 yes old. The debt was only XXXX. Want me to pay XXXX. To settle. Forster and garbus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: Experian Information Solutions Inc.
State: LA
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, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$3100.00} XXXX XXXX {$450.00} XXXX   XXXX {$3800.00} XXXX XXXX {$5600.00} XXXX XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX   XXXX {$2200.00} XXXX XXXX {$1900.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$46000.00} ACCESS XXXX XXXX {$100.00}

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 2022-08-27
Company: AMERICAN EXPRESS COMPANY
State: CO
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:
There was a change I did not make, and contacted American Express numerous times and never resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
We have been trying to get Bank of America for almost 4 years to adjust our mortgage. The purchased it from County Wide. Instead because we have never been behind they have now raised our mortgage rate and added taxes and want to place our Flood Insurance. We have paid our taxes and we have paid our taxes and homeowners. When asked for help they have made it worse by increasing our loan and equity payment. We will get to a point that we will have trouble. We discovered that in 11 years we have paid our own flood and have paid taxes and homeowners insurance. We are XXXX and this is our only home. They sent this information to us because we refused to sign a paper saying that we would not sue Bank of America or Countrywide. In our Country Wide loan and Bank of America paid our own taxes and Insurance. They never requested that before. We have paid our Flood and we have paid our taxes. Over all of these years only {$300.00} has been put on our Equity. We are XXXX and will get to a point that we will have trouble. This is our only home. We know that a Class Action suit was won against Bank of America and Countrywide. We were not aware of it at the time. Rather that help, they are trying to make it worse.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
My copy of the copy the Home Equity Line Line of Credit Agreement ( Note ) states that the loan # is # XXXX. ( copy attached ). 
After sending me copies of documents with loan number XXXX, Chase now claims that they have no loan with that number. On XXXX XXXX, 2016 I sent Chase a request for information in connection with the subject HELOC loan which originated with the # XXXX. Chase responded on XXXX XXXX, 2016 stating, " We also did not find a loan ending in # XXXX. '' ( copy attached ). 
On XXXX XXXX, 2016 I sent Chase Mortgage Payoff department a Mortgage Payoff Request for Loan # XXXX. Chase responded in a letter dated XXXX XXXX, 2016 stating " With the information provided in the correspondence, we could not identify a Chase account. '' ( copy attached ) On XXXX XXXX, 2016 Chase sent a letter stating " We 've confirmed that we do n't have an account for you ending in XXXX. '' ( copy attached )

Company response to consumer: Closed with explanation