BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My girlfriend and I are shopping for a mortgage. On XXXX XXXX, 2015, she visited a local Chase branch ( XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) and spoke with a mortgage banker named XXXX XXXX to find out what loan rates they could offer us. As part of the process, she called me to ask for my SSN. I stopped and inquired what it would be used for and was told they had to put it into their system to get an accurate rate quote. 

Next thing I know, she is calling me on the phone to ask questions about details from my credit history. He had apparently pulled my detailed credit report and was going through it with her discussing specific findings he was pointing out. It was very upsetting for me to me try to understand what they were seeing and referring to. He also gave her a printed copy of my entire credit report to take with her in a clear breach of my privacy. 

At no point did I authorize them to release details from my personal credit information to a third party. If there were particular items to be addressed, he needed to set up a time to discuss my personal information with me directly. 

My overwhelming concern is that this experience proves just how easily anyone could take someone else 's SSN into a Chase branch, chat with a mortgage banker, and with very little social engineering, walk away with someone 's entire credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Issue: APR or interest rate

Complaint:
When I originally submitted a application for a credit card at Chase Bank a few years ago, they gave me a range of interest rates that I could potentially qualify for. Then when they started my account, they gave me a rate well above the minimum. After several years of on time payments, I have requested a reduction in my rate. Now they are saying that my program never had a lower rate, and that I got the lowest rate available. I believe they are being dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Regarding FHA Loan of XXXX XXXX XXXX # XXXX, we are requesting a Federal Adjudication on the matter suggested issues and the legitimacy of their documentation presented and failure to supervise. From previously submitted letters and the many infractions that JP Morgan has committed, this letter is intended to respond to the letter dated XXXX XXXX, 2016 merely enumerate the instances that involves, specifically a failure to supervise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: Westlake Services, LLC
State: CA
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
My creditor matured my car title loan 8 months before true maturity of my loan and had no choice but to refinance my loan i was told to send paper work back as soon as possible so they could help me. According to them I still owe them most of my original loan amount. I truly believe that something is very wrong and I would like some help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX XXXX WAMU Loan HolderFDIC Employee Quits and Goes Public With Complaint Against Chase, WAMU, XXXX and XXXX law firms.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
To whom it  may  concern : I am disputing a late payment that was reported by  USAA Savings Bank  back in  XXXX -2016, Credit Card number :  XXXX  ( I believe the bill was for  XXXX  2016  ). The reason for the dispute is because I did not receive a bill at the time when my credit card was charged due to moving in  XXXX  2016  from  XXXX   XXXX   XXXX   XXXX , Texas  XXXX  to  XXXX   XXXX   XXXX   XXXX , Texas  XXXX .     Furthermore, when I finally received a bill forwarded from my old address in late  XXXX -2016, I immediately notifi ed USAA of my new address where I then paid bill in full. I then escalated matter with USAAs management team where they updated my new address in their database. While speaking to a USAA manager, I then asked if they contact their credit cardholders when a bill is late and she advised they do not call cardholders for late payments. The manager explained that it was my responsibility to notify USAA when I moved and I advised that I just had moved and was going to notify USAA but was busy  moving. Additionally, I told her that I did n't even know that I had a bill outstanding as the company that charged my card had my account number.     It is also important to note that prior to this late payment being reported by  USAA, my credit score was i n between  XXXX , which is a perfec t credit score rating t hat has taken my entire life to earn for being a responsible person who pays their bills on time. Since then, my score has substantially dropped by over  XXXX   XXXX  points due to USAA not notifying me of the past due bill.     Enclosed, please find a copy of my lease from when my lease was executed in  XX/XX/XXXX 2016. However, I did not move into my new address until late XX/XX/XXXX  Any further questions, please feel free to give me a call.     Yours truly,  XXXX   XXXX   XXXX   XXXX   XXXX  Email :  XXXX  XXXX  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-01
Company: Action Professionals, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account was paid and removed twice already yet it 's been placed back on my XXXX report. This account needs to be removed for the third time and permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On  XXXX   XXXX   2017 t here 's a transaction for  XXXX  that was disputed on  XXXX   XXXX   2017 f or the same amount. I 've submitted vet statements, shipping confirmations, bank statements and paypal refuses to help settle the issue as promised in their buyer protection. It 's become apparent that my continued business with paypal is n't appreciated and that their working in the best interest of a verifiable liar and sca m artist. I 've jump ed through all the hurtles and hoops and they take this ladies word with out and verifiable information, matter of fact she has n't provided any proof of anything yet palpal will not uphold their promise of buyer protection. To make things worse paypal has hung up on me 6 times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-08
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
When Champion/Nationstar purchased our RM from   XXXX   XXXX  , we were not notified until well after the transaction took place. Champion claimed I owed all taxes for     XX/XX/XXXX  bu t I had paid {$3500.00}. to the tax authority, Check #  XXXX , then  4 payments  each of {$5.00}  XXXX  to   XXXX .  If I were notified of amounts involved in the purchase, I could have corrected. Now  Champion  tells me to collect any overpayments myself.   On   XX/XX/XXXX ,  Champion/Nationstar filed foreclosure against my deceased wife ( she died     XX/XX/XXXX   ) for {$16000.00} claiming these were taxes in arrears paid by   XXXX  and Champion . Included were taxes  ( real es tate ) in the amount of {$10000.00} for tax yea r  XX/XX/XXXX  su pposedly not paid. My actual  RE tax es for   XX/XX/XXXX   totaled {$5600.00} but Champion thru their attorneys,   XXXX   XXXX   filed anyway forcing me to pay the full amount of {$16000.00} to keep my home. Only later did   XX/XX/XXXX  remo ve foreclosure but it remained on my credit report.   I have been charged appraisal, inspection and legal fees but when I ask for proof,   Champion declines.
I asked Champion to   increase my RM as dictated by the Obama administration.  Champion uses the appraisal from the beginning of the RM of {$250000.00}. but refuses to a ccept current appraisal of {$340000.00}.   Foreclosure is set fo r  XX/XX/XXXX   even though I disputed all.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I recently had both my accounts put on resticted use because of a bad check, I spoke to someone in the bank and they said there is nothing they can do and my accounts are going to close in 10 Business days and I have a pending direct Deposit they do n't allow and they keep giving me runaround stories saying it will be available and another representative said I ca n't get access because the account is resticted I do not understand why I can not get it

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I got an alert today from XXXX guard about a collections account. 
I logged on to XXXX XXXX to get the information. The company name is XXXX for XXXX Illinois. Address PO Box XXXX XXXX XXXX I do not live in XXXX nor did I authorize this account. I have a fraud alert on my report and I have no clue how someone is still able to gain credit in my name with a fraud alert. I want this removed ASAP along with the address attached to it. I included a copy of my ID and my recent pay stub to verify my address

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I made purchases of {$2200.00} through homedepot.com using a Home Depot store card on XX/XX/2021 due to the promotional APR of 0 % offered by Home Depot. However, I see a statement appears to have diverted {$160.00} or more to a XXXX Balance with an unknown interest rate. I am disappointed that I am having to spend more of my unpaid time getting Home Depot to honor the promotional balance when I made a single purchase of {$2200.00} through the website in XXXX distinct purchasing transaction on XX/XX/2021. On XX/XX/2021, I called the customer service number at XXXX to resolve the problem. I spoke with a supervisor named XXXX XXXX XXXX XXXX  that attempted to resolve the diverted amount of {$160.00}. However, XXXX started reading a long legal description for individual transaction amounts -- instead of the approximately {$160.00}. I initially agreed to one amount. I was hesitant on subsequent amounts since the legal description was not in writing. I requested the terms in writing. XXXX refused. I restated my request that I have a XXXX & was having difficulty following, so I need the legal description in writing. XXXX refused again & claimed because I gave prior consent that I could not revoke that consent. I restated my position & stated I would have to follow up with a regulatory complaint because there is no reason I should have to resolve individual transactions from XX/XX/2021 due to Home Depot 's error. I ended the call due to the XXXX 's refusal to provide the legal description of the verbal terms stated on the phone call. From XX/XX/XXXX through XXXX, 2021, I continued XXXX Home Depot 's card services through their website homedepot.com/mycard. Home Depot staff continued their refusal to resolve the error, continued their refusal to provide the the verbal terms from XX/XX/2021, and stated they " noted '' the problem but would not resolve it. I am submitting this complaint so that anyone else that makes a purchase through the website under the terms that it was under a 0 % promotional financing does not get deceived by Home Depot diverting their transaction from the 0 % promotional financing. Thank you for your time, 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 2021-12-23
Company: CITIBANK, N.A.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Citi Bank called me XXXX on XXXX/XXXXXXXX2021. This is for a debt I owe to Macy 's. They called me at XXXX. They called me on XX/XX/2021 at XXXX XXXX  and then at XXXX. I have told them to not to call me and they called me twice today which is a violation of the fair debt collection practices act. They have called me more then once on the same number more then once a day for XXXX months. I have told them not to call that number. THEY CALLED XXXX AND 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 2016-06-29
Company: Credit Karma, LLC
State: DC
Product: Other financial service
Sub-product: Credit repair
Issue: Advertising and marketing

Complaint:
I utilize Credit Karma to help me manage my credit score, keep track of my finances, ensure all discharged debt is removed from my credit, and to suggest help on what I can do to help lower payments and increase my credit score after bankruptcy. 

Because my credit score has improved tremenbously ( because I 'm paying my bills on-time as well as disputing debt that suppose to be removed from credit ), Credit Karma suggested to me that I should inquire with a company called XXXX to get a lower car note. I really need to get a lower payment. I 'm paying {$330.00} a month, and with my credit score, Credit Karma is recommending that I can get my apr % down lower ... .making my payments possibly around {$200.00} a month. I know that the bankruptcy and auto loan is still new and the refinancing would n't be a good idea. I did n't want a hard inquiry on my credit either. Now, Credit Karma knows that I filed bankruptcy and has a general idea of what my credit looks like, so I trusted that the tool would help me keep things in order. I applied for the auto refinancing loan on XXXX/XXXX/16 and was " denied '' the same day. As of today 's date, the suggestion still sits on my Credit Karma account and it did n't help me at all. I am requesting for the hard inquiry to be removed from my credit report and a clear understanding of why I was still denied the refinancing, but my credit score improved!!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: JPMORGAN CHASE & CO.
State: NJ
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: Card was charged for something you did not purchase with the card

Complaint:
A transaction of {$3600.00} went through on XX/XX/2021. 
I called in in XXXX to report it as fraud. 
Chase refused to reimbursed it based on the fact that it has been too long.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: Credit Karma, LLC
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Someone used my social security to use a XXXX XXXX security service. I have never owned any kind of security system and this is a fraudulent item XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2014 Open {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
After my loan was transfer to my new lender. I did applied for a modification to obtain an affordable interest rate, consequently a better payment. After a long journey of sending documents and contacting the bank. My lender approve a modification with a successfully 3 trial payments. I received the final modification with no change of interest rate and a higher payment. much higher than before the modification, plus the term of loan has been extended for more years and increase of payment. Now the lender said is the best I can do take or face foreclosure.

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 2017-05-08
Company: Financial Credit Service, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
On  XXXX / XXXX / XXXX  I received several phone calls from a number I did not recognize  XXXX   XXXX   XXXX   XXXX . I called and gave the person that answered the phone my name ; company identified as  ARA.  They transferred me to someone that called me by my maiden last name and repeated to me my full social security number. They asked if I had  a MasterCard wit h an outstanding balance of $  XXXX . I told them I did not know what they were talking about and from when. I was transferred again to a  XXXX   XXXX  who informed me that she was collecting a debt from a MC from  XXXX  and that if I did not pay they were filing a lien on me i n the county that I lived in and liens against all of my credit cards ( Naming my credit cards and the li mits on each ). I explained that I paid off this debt and I had the proof at home, that I was currently at work. She said she could only hold the account for  24 hours. I said this was the first I have heard about this and how can she lien me when I have heard nothing about this. She said that they would only give me 24 hours before they started garnishing my wages. I told her that I would get my attorney on th e phone and they could speak to her and she said ok. When I attempted to give her the name and number of my attorney she said she could not speak to her and my attorney needed to call  XXXX   XXXX . I had my attorney call the company and they said they were unable to speak to her and requested her bar number. They said I could call back and give her permission to speak to them or fax them a verification. My attorney advised me not to call these people back and after research we have found that they are scammers. They had all of my personal information including my complete social security number and they fraudulently demanded payment on a debt that was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Wells Fargo Card Services  closed my Credit Card account for no reason after sending a claim through Consumer Financial Protection Bureau in regard an overdraft on my checking and saving account. My  Saving a ccount had been closed for 3 months now and they did n't close my credit line, now because I 'm trying to protect my rights and I 'm complaining about them, they closed my account. My voice needs to be heard, and it will because I 'll make sure of it. Customers need to be protected by they right and they need to do they right thing, not what they think is right. I think this is  XXXX  of those cases where Bank employees, because that 's what they are, employees abuse power and diminish citizen rights. Is this something a customer ca n't do anything about? I really need this Bank punished for how they treat customers and I 'll be complaining with every and each protection agency that had ever existed in the  U.S. W atch 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 2017-05-08
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I made a payment to my mortgage company online on  XXXX / XXXX /  XXXX  . The online instructions said that because the payment was made on a Saturday, it would not post to my account until Monday  XXXX / XXXX /  XXXX  . They payment was posted and funds were successfully withdrawn from my checking account on  XXXX / XXXX /  XXXX  .     I have attached proof from my bank account showing the check was paid in full. This information has been provided to my loan servicer.     My mortgage company then reversed the payment and says that bank did not honor the online check. My mortgage is now showing  30+ day s past due and a late fee has been assessed.     I submitted proof that the funds successfully came out of my account on  XXXX / XXXX /  XXXX   and disputed the reversal. They keep telling me they are looking into it and have not made any corrections.

Company response to consumer: Closed with explanation