BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-19
Company: JPMORGAN CHASE & CO.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My husband XXXX, sudden departed this life on XXXX XXXX, 2016, He is the primary holder, I am the co-maker on the contract but not on the title. Since his death I have faced a problem with register the car because his name is the only one on the title. Is there something that can be done. My husband 's daughter has opened an estate without contacting the creditor of his death to my understanding. The payments are so far behind because I have lost his income as a result of this sudden death of a XXXX. I want to know if the title being in his name only was an illegal act, and how can the auto financing company give me relief. 
If the estate does not cure his debts and I was a homemaker what will happen to the debts now that my husband is deceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Describe events in the order they ocurred, including any names, phone numbers, and a full description of the problem with the amount XXXX XXXX ) and date XXXX XXXX ) of any transaction XXXX XXXX ). Be as brief and complete as possible to make the explanation clear. Do not include personal or confidential information such as your social security, credit card, or bank accounts numbers. 


Have had an account with Chase for approx. four years. Today they told me they are closing my account and refused to tell me why - stating its their right and they are not required by law to say why. Currently there is a small balance and next week my Social Security XXXX payment gets ACH into the account XXXX to late to stop XXXX. I was told Chase would refund the money in XXXX weeks after the account is finished closing. This will make me late on my mortage causing late fees and more. About a XXXX ago I had some NSF from auto debits. I called Chase told them would put money into the account ot cover the overdrafts ( and did so ) Chase even refund XXXX of the NSF fees as I was a good client, plus was told do n't worry everthing is ok. This is the only possible reason I can see why they would do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: JPMORGAN CHASE & CO.
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a home loan with JP Morgan Chase Bank , N.A . and I am having a challenge getting correct account information. I am only asking for a simple answer : How many payments did i make between XX/XX/XXXX and XX/XX/XXXX What were the payment amounts and the payments dates. 
A statement would be great also

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: SYNCHRONY FINANCIAL
State: GA
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:
The following inquiry was placed on my XXXX credit file. I did not authorize this inquiry and when I requested validation of authorization, my request went unanswered. 

XXXX Inquired on XX/XX/XXXX Business Type : All Banks XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX The following inquiries was placed on my XXXX credit file. I did not authorize this inquiry and when I requested validation of authorization, my request went unanswered. 

XXXX Inquired on XX/XX/XXXX Business Type : Banks and XXXX & XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Banks and XXXX & XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX SYNCB/LOWES Inquired on XX/XX/XXXX Business Type : Credit card and travel / entertainment companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX The following inquiries was placed on my XXXX credit file. I did not authorize this inquiry and when I requested validation of authorization, my request went unanswered. 
XXXX XXXX Inquired on XX/XX/XXXX Business Type : Personal Loan Companies XXXX XXXX XXXX XXXX, XXXX By mail only This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX Business Type : Personal Loan Companies XXXX XXXX XXXX XXXX, XXXX By mail only This inquiry is scheduled to continue on record until XX/XX/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 2017-08-11
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I believe I 'm being over charged for my loans and I 've paid directly to the University without using the loan. I was told I paid off my debt from the school. But the loan service Navient says I owe them money. I want to reduce my billing or become debt free because I think I 'm being overchanged for services I did NOT use.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
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:
This is ridiculous! I have been disputing for the removal of the fraudulent items completely from my Credit File for already a long time and yet the Credit Bureaus have done nothing! I have read that under the FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and infomrmation that resulted due to identity theft. The last letter I sent to the Credit Bureaus was dated XX/XX/2022 attached with my personal identifying documents and the IDTHEFT REPORT I received from the FTC. But despite all these efforts, it is clear that the Credit Bureaus have been slacking and ngeglected their duty with the FCRA. under the provisions of the FCRA section 605b, I need the following items completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX - DEPT OF EDXXXX XXXX Balance {$1300.00} DEPT OF ED/XXXX XXXX Balance {$3100.00} DEPT OF ED/XXXX XXXX Balance {$3800.00} DEPT OF ED/XXXX XXXX Balance {$9000.00} DEPT OF ED/XXXX XXXX Balance {$3300.00} DEPT OF ED/XXXX XXXX Balance {$4900.00}

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 non-monetary relief
Consumer complaint received 2022-08-29
Company: EQUIFAX, INC.
State: SC
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:
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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a late fee on my XX/XX/XXXX bill. I have been displaced from my home for XXXX months and living in a hotel for the last 5 months. Mail still goes to my primary address but with the displacement sometimes things get misplaced. As what occurred with my XXXX card bill ( redcard ending in XXXX ) -- Called XXXX today XX/XX/XXXX and they will not refund the fee since they refunded a previous fee -- even though anytime I was late I immediately paid the balance in full. 
Spoke with a supervisor and she stuck to the letter of their policy and would not allow a fee reversal, I promptly closed my account with XXXX. I use this card a few times a year and frequently shop at XXXX but that will no longer be the case. The {$15.00} I saved is not worth the {$29.00} late fee. 

It is amazing to me that they would rather loose a patron of their store and a loyal customer than reverse a {$29.00} fee. I have been in Financial Services my entire career and worked for several banks and manage Customer Experience and Call Center teams and I would never turn down a customer request that wanted to close their account due to a fee. 
The scrutiny banks have around nuisance fees should extend to store cards -- they seem to care even less about good service. Especially for customers that explain their extenuating circumstances. Also I wanted to on online and setup auto payment of my minimum due but my card is packed away with many of my personal things and I can't otherwise get my full account number and it is needed to go online to set this up and include on the form they wanted to mail me! So they do little to assist customers with setting up auto payments to avoid a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Informed by CHASE bank that the servicing rights to my mortgage loan was to be handled by another company and as of XXXX XXXX, 2015 they could no longer accept my mortgage payment. Also, informed by CHASE bank that they were missing a payment that I show through XXXX XXXX XXXX the payment was negotiated ( cashed ) as all payments are sent through credit union. CHASE bank also increased my escrow requirements more than XXXX just before the transfer and did not justify. I made contact with local tax office and insurer and the billings do not justify the increase. CHASE letter provided a number and address of XXXX and the contact information failed to produce a person to speak with only a recording of information that is to come at a future date. CHASE says they can not correct the records even with proof as my account is now with this company that is only represented by a recording that goes into a continuous loop. CHASE sabotaged my mortgage account and forwarded my loan to a closer ( forecloser ) with incorrect information and refuse to provide the details of their inappropriate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020, I made an online bill payment through my credit union to LoanCare to pay my XX/XX/2020 mortgage payment. At that point, my account was current. On or about Feburary XXXX, I called LoanCare to get my 1099 tax information because with the U.S. Mail running slow, I had not recieved it. I was given the information. On XX/XX/2020, My credit union notified me that I had a returned check fee for a payment of {$1500.00} from LoanCare. LoanCare had processed an ACH payment from my credit union account in the amount of my mortgage payment. I was not aware of this and I did not authorize this payment.

I contaced LoanCare several times and was told that a manager would be reviewing the call recording that occurred on or about XX/XX/XXXX to determine what happened. I have yet to receive a response from them. Even after the call where I informed them that the payment was unauthorized, the payment was re-presented to my credit union. At that time, I had put a stop payment on the transaction so I was not assessed another {$29.00} returned payment fee. I am very sure that I did not autorize LoanCare to process any payments from my account. That is not how I make my loan payments and at that time, my loan was paid current.

I am afraid that I may not be the only borrower that is experiencing this. For LoanCare to make unauthorized payments from a borrower 's bank account is fraudulent.

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 2022-02-23
Company: Experian Information Solutions Inc.
State: NC
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 XXXX Account # XXXX, XXXX XXXX Bank Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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 2023-02-03
Company: EQUIFAX, INC.
State: MO
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:
XXXX is showing incorrect information on report. The account was never late and is paid off, attach proof of overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: JPMORGAN CHASE & CO.
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. the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 also states a consumer reporting agency can not furnish an account without written instructions 15 U.S.C.1681c ( a ) ( 5 ) section states no consumer report containing any of thr following items of information other than record of convictions of crimes which antedates the cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Real Time Group, Inc.
State: NC
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 called XXXX XXXX XXXX XXXX collection agency ( Real Time Resolutions ) in XX/XX/XXXXto start the resolution process. I requested that Real Time Resolutions provide a documentation of the loan, proof that the loan was mine, and that the loan wasn't paid off according to the terms, as I paid this loan off in XX/XX/XXXX. There was a " process '' to get this information. I waited 24 hours and received a phone call back and was told they could give me no further information.

As there can be no documentation provide from the creditor this loan should not be reporting to my credit report. I filed a dispute with XXXX  with no resolution. When I called XXXX to discuss the dispute, I was told that the creditor just said that the loan information that was being reported was correct. I have still received no proof of the loan being legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
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:
On XX/XX/XXXX I made two purchases from XXXX XXXX XXXX, one for XXXX dollars and the other for XXXX. The one done for XXXX0 was a mistake done by XXXX XXXX XXXX. The representative said she will return the funds back to me. A week later she contacted me and stated the funds wasn't release to her, therefore she was unable to return the item at this moment. Another week has gone by, so I contact them ago and the funds has still yet to be release to them. XXXX, the sales rep at XXXX XXXX XXXX, told me to contact Capital One and do a dispute for the the XXXX dollars double charge onXX/XX/XXXX. I disputed this transaction and received a credit until the investigation was completely. OnXX/XX/XXXX I see a transaction refill for XXXX dollars. I contact XXXX XXXX XXXX to see if they have received the funds and they said NO!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Experian Information Solutions Inc.
State: MD
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX 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 2022-02-23
Company: Experian Information Solutions 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 CARDS/CITIBANK Account XXXX XXXX, XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: Central Service Bureau, 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 want this company to stop harassing me and sending me letter. I also want this company to be report to the XXXX and the Florida Law for not respecting the DO NOT CALL list who is punishing of fine. Make sure this company stop sending me any more letter or calling me for this invoice. I never received any invoice just harassment phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had applied for Balance Transfer with my XXXX  card ( XXXX XXXX ) of {$1600.00} in XX/XX/XXXX. I had given below details on my request. I gave Debit Card number, and didnt realized that we have to give credit card number only and cant give debit card number. 
Citi Debit Card Number : XXXX XXXX XXXX XXXX CITI DEBIT  CARD account I waited for some time for balance transfer to show up in my Citibank checking account, but when I didnt received, I started calling XXXX XXXX and they asked me reach out to Citi bank. I reached out to Citi Bank on chat and call, but didnt help. I told Citi representative, how I can share evidence shared by XXXX XXXX. They asked me to send mail and hence I am sending this mail with evidence After talking to XXXX rep, He told me that we should not put debit card number in balance transfer, may be that is leading to this break, but I was not aware of that at that time. XXXX XXXX is saying that this check has been deposited in Citibank, and hence they cant cancel this transaction from their side. 
I have attached communication with XXXX XXXX and evidence they have shared on this. 

I tried escalating this in Citi customer call many times, but with no help. Then someone ask me to send documents to mail, which I did on XX/XX/XXXX. I have attached that communication as well. Then someone asked me to leave feedback on website which goes to special team and they will reach out to me, but no one from Citi have reached out to me yet. 

Can you please look for this check deposit and find why its not yet deposited in my account? I have closed my Citibank recently. Can you please track this transaction and send me this money or check please?

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