BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-04
Company: Ocwen Financial Corporation
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been trying to complete a mortgage work out with PHH mortgage after a forbearance period. Initially, I did not intend to start the forbearance but was investigating on their website and answering questions when the site told me I qualified and the forbearance had started when this is not what I intended. At the end of the forbearance period, I started payments again and began the process of adding the forbearance payments to the end of the load. Through this process, PHH has been stalling and delaying the process by asking for the same documents over and over until they just cancel the whole application and make me start over again. I'm not sure why they are doing this but I smell some kind of scam and it makes me nervous. So far there has been no negative financial impact for me but this either denotes extreme incompetence on the part of PHH mortgage or an attempt to defraud the government by artificially delaying the rework of this loan. I've been calling daily to be sure they have all the information they need since XX/XX/XXXX. Today the message at XXXX says Due to impacts of Covid-19 we can not connect you with a customer service representative and hangs up. 

Now there is nothing I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
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: Information belongs to someone else

Complaint:
I Have Been a Victim of Identity Theft I did Not Authorize any of theses Account This Is Fraud and something needs to be done About This

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: JPMORGAN CHASE & CO.
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have initially filed a complaint against Chase Mortgage. Chase continues to report the complaint as being solved and closing out the case. Please re open. Chase Bank has failed to credit my account. There has been an great amount of corporate advance fees and other unexplained fees. The initial modification was a permanent modification and there are in excess of two years payments that went to a " phantom account. '' Chase has no explanation and continues to send computer generated letters stating " They are investigating the matter ''. This has gone on for a number of years. My current mortgage payment is over XXXX dollars more than what it should be. I believe Chase is using unscrupulous and unethical measures to attempt to accelerate on my home. I need immediate help and intervention from Consumer Financial Protection Bureau. Please hold this giant liable for preying on middle class wage earners and obligate them to make the necessary credits and adjustments on my account. If you have attorneys that are willing to look into this matter, I will cooperate fully. I would like to " blow the whistle '' on the strategies they are using.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Late fee

Complaint:
LATE FEE was assessed even though Chase made it impossible to make the payment online by purposedly blockign access to my account. Although there may be times when making a payment online is not possible, such as their own internal outage or server issues, this account was blocked apparently on purpose so that the fee would be assessed immediately. The actual payment had to be - and was - made the next day, after access to the Chase website was secured. The company stated that other means to make the payment were available, e.g., phone, I, however, had no access to the phone on the evening the payment was due. Chase has refused to credit the late fee despite being responsible for the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I was studying abroad in XXXX. During my time I was at a club XXXX night and my debit card was stolen out of my wallet and was charged about {$1500.00} XXXX dollars. I filed a claim to Chase right when this happened. They initially refunded me the money that was stolen from me and XXXX weeks later they claimed the transaction was correct. I have tried multiple times to work with them. I followed all requirement s to submit the claim and they continue to tell me it was correct. They state I had signed for it and I had them mail me the receipts of my signature and the signature is not mine. I even went into Chase and provided them with my signature, my passport signature and license signature to show them the signature does not match. They continue to tell me the charge is correct when it was not. I called numerous times and sent them numerous letters to handle this and they continue to tell me the charge was authorized by me when it was n't. I have provided photos of emails I sent them, the police report I filed and the letter I wrote to Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-04
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: Information belongs to someone else

Complaint:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account is showing on my report : XXXX XXXX  XXXX XXXX, NE XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX # 1. No notification was sent before placing on my credit report as required by law # 2. My insurance paid this claim # 3. Work was done without authorization By law -- this needs removed on my credit report and never placed back on or I will file suit against XXXX XXXX and collection agency XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account is showing on my report : XXXX XXXX  XXXX XXXX, NE XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX # 1. No notification was sent before placing on my credit report as required by law # 2. My insurance paid this claim # 3. Work was done without authorization By law -- this needs removed on my credit report and never placed back on or I will file suit against XXXX XXXX and collection agency 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 2016-08-22
Company: WELLS FARGO & COMPANY
State: AZ
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I have a Health Savings Account serviced by Wells Fargo , N.A . When I opened the account, the service fee was {$2.00} per month. They changed the fee to {$3.00} per month since then. I can not close out the account because it would cost me a 10 % tax penalty. WF knows they can steal {$3.00} from me and there is nothing I can do about it.

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
Consumer complaint received 2016-01-08
Company: HONOR FINANCE, LLC
State: MI
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX XXXX the vehicle was a total loss. My insurance paid Honor Finance off. There was a balance owed by XXXX XXXX for the cancelation of the vehicle warranty. They have been calling and harassing me for months. They even tried to sue me in court. But on XXXX XXXX, XXXX the day of the hearing XXXX XXXX paid them by check for the balance owed. But here it is XXXX XXXX and they are still calling and texting my phone i have forwarded them copies of the email between me and there Attorney with a copy if the check and letter closing the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have used the Chase XXXX XXXX XXXX card for approximately three years. I pay an annual fee of {$95.00} for this card, specifically because it grants me free checked bags and priority boarding. I had a credit limit of {$10000.00}, with approximately {$5300.00} outstanding. I paid off the balance in full yesterday. Today I tried to book XXXX airline tickets ( approximately {$2500.00} ) using the card, and it was declined ( it had also recently been declined at a grocery store with plenty of availability - humiliating to say the least ). I called to find out the issue and was told they had reduced my credit limit this morning by {$10000.00} to {$500.00}. I pay an annual fee specifically to be able to purchase airline tickets on this card - you ca n't buy airline tickets with a {$500.00} credit limit! I do n't understand ( nor care ) what they *think* they saw in my credit profile that indicates I am either a higher risk or an unprofitable customer. They should have notified me before such a drastic decrease in my availability as I would have used the cash to buy my airline tickets instead of paying the account in full. I want my annual fee refunded for the inconvenience and embarrassment they have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX at XXXX, XXXX, MI XXXX is offering me a settlement of a debt that was open in the XXXX 's. They offered me a settlement {$700.00} from a debt balance of {$1700.00}. I have several concerns for instance, the orignial creditor was Wells Fargo. I agreed to pay {$50.00} a month until paid in full. However, this collector is acting very secretive, there is know contact phone number to communicate with them on a regulat basis. Also, I wanted to reduce the amount to {$25.00} because I am on fixed income. I mailed a letter to them in this regards but have not receive a response. I made my first payment of {$50.00} on XXXX/XXXX/16. I was trying to notify them of changes but have been unable to communicate with them. This sends a RED FLAG that maybe these people ( XXXX ) are not a legal collection company. I am worried that they may be a scram please look into this company 's debt collection practices ASAP. I will enclosed their location that they sent me. See Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX PS : I have the original letter that was sent to me I can fax this information to your office because it has the account number on it which I did not include here because of sensitive information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: WELLS FARGO & COMPANY
State: WI
Product: Credit card
Issue: Payoff process

Complaint:
I have an account with XXXX promotional balances. XXXX promotion is scheduled to end on XXXX/XXXX/XXXX the other on XXXX/XXXX/XXXX. Prior to opening the XXXX promotional balance my minimum payment was around {$85.00} once the second account was open my minimum payment went up to {$100.00}. Because my promotional balance is due in XXXX XXXX I made a large payment to avoid being charged. {$450.00} in interest. After the payment was made. Wells Fargo changed the minimum payment on XXXX balances without notification and is only applying {$2.00} of my payments to the balance that is about to expire. 

The summary of my complaint is Wells Fargo changed the terms of our agreement without notifying me, and they apply an unfair amount of my payment to an account where it is n't required with the purpose of collecting an extra amount in interest.

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 2018-06-26
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 been disputing the negative information shown on my report again and again. 
Since XX/XX/XXXX and every time they the information and the negative accounts belong to me and they verified it as accurate. 

I requested them to send me method of verification that they have used, name of peple/company they have contacted and their phone numbers, I also requested what are documents that justify the negative accounts shown on my report are accurate within 15 days from the receipt of the letter. It was requested on XXXX XXXX and its been 15 days already and I have recently received letters from them saying, I need to contact the creditors directly.

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 2018-06-26
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I checked my credit report and saw an account for PROFESSIONAL DEBT for {$3500.00}, stating it was assigned to an attorney. They are threatening to sue me fore a debt I have no knowledge of and have never been contacted about.

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 2017-10-15
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:
XXXX XXXX account is showing open on my credit report, this account was previously closed on my credit report, I disputed this item with all XXXX credit bureaus and it still shows open, it keep being sold to different collection agencies and showing up on my credit reports, aster I disputed this matter, this account shows actively open and being reported on my report each month, last report shows XXXX XXXX, this account need to be closed and not reported to the credit bureau each month. 

XXXX XXXX XXXX This account is showing closed on some credit bureaus and open on some, I have previously disputed this and the account was closed and the reported was stopped and then it was reopened, this account is actively reporting to the credit bureau and last report was on XXXX XXXX, XXXX, this account need to be closed and stop actively reporting to the credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-04
Company: POPULAR BANK
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I have a CD account with popular direct that I want to early close. Total interest accumulated with this CD is around {$120.00} but they are charging early withdrawel penalty of {$550.00}. Could you please investigate? 

Regards CD ACCOUNT LAST 3 DIGITS XXXX address of the bank POPULAR XXXX XXXX XXXX XXXX XXXX XXXX, FL United States XXXX XXXX XXXX XXXX : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/2021 : Tried to call in a payment on my discover card but their automated system refused to acknowledge me responding " MAKE A PAYMENT '' despite the fact that my discover card statement clearly states, " For a faster, easier way to pay ... [ phone symbol ] XXXX '' The first time I called, their representative hung up on me and that was 14 minutes wasted. The second time I called it took me 18 minutes for the representative to accept my payment and he would ONLY accept it as a " third-party. '' I made a {$9400.00} payment last month and I am trying so hard to give them more money this month but they want you to jump through a million hoops like a dog. 
I gave them my name, address, phone number, social security number and last four digits of my account number. 
They REFUSED to explain why their automated system will not begin the by-phone payment process when you are clearly stating " MAKE A PAYMENT. '' Their automated system has been an ongoing problem for over a year. 
PLEASE help stop their excessively oppressive and laborious and tyrannical mistreatment of customers who are trying to give them money. Thank you for any help with this awful company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: WELLS FARGO & COMPANY
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Wells Fargo has repeatedly called and ask for debt assistance. This disclaimer can also be layed down to FDIC for further comment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: EVERBANK, NATIONAL ASSOCIATION
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I contacted Everhome Mortgage to advise them that I was looking at selling my house on land contract and asked if that was allowable under my mortgage. They advised it was and that I simply needed to make sure that I provided them with proof of insurance from the new buyer when the sale was completed. I made sure that I complied, having the buyers insurance company sen Everhome evidence of insurance for the closing showing the buyer paid a premium of {$280.00}. Everhome in turn submitted a check to the insurance company for {$280.00}. although the insurance was shown as already having been paid. The payment was made to the insurance company on XX/XX/XXXX. On XX/XX/XXXX another check was sent to XXXX XXXX XXXX out of my escrow for {$900.00}. XXXX XXXX XXXX XXXX claims that they never sent Everhome any bills but simply evidence of insurance. XXXX XXXX XXXX in turn sent a refund to the buyers agent for the combined amount and the buyer 's monthly insurance premium was reduced by the buyer 's agent - with no explanation as to why. Therefore the buyer had no idea someone else paid their insurance. 
I contacted both Everhome Mortgage and the insurance broker and each continued to tell me it was the others problem. In the mean time Everhome increased my monthly payment requirement to the escrow account. 
I finally got the insurance broker to agree tto start a process of reimbursing me however it is impossible to make any progress in my attempts to keep Everhome from making a payment to the insurance company when they send proof of insurance again. I continue to be told by Everhome personnel ( I believe both phone calls to their customer service rep XXXX on XX/XX/XXXX, the first shortly after XXXX were recorded ) that when they receive proof of insurance they will send a check to the insurance company. I have been told it makes no difference if the proof of insurance shows no premium is due or the policy has been paid in full. I have been repeatedly transferred around, put on hold and transferred back to the area that originally transferred me time and time again. It appears that Everhome subscribes to the policy that if they transfer you enough times you will get frustrated and stop calling. All I want is to get them to stop paying someone else 's insurance company that is n't asking for money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Incomm Holdings Inc.
State: DE
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
We were given a {$50.00} gift card ( One Vanilla-prepaid mastercard ) for our wedding in XX/XX/XXXX. We tried to used it in XX/XX/XXXX but the balance was {$0.00} cents. We called the gift card company and they told us that two purchases were made in XXXX. We never used the card so we submitted a claim for the company to investigate. In XX/XX/XXXX we were notified that the claim was closed because they didnt find any discrepancies and told us that there was nothing else they could do. They could not inform us who made the purchases and the gift card is not longer valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: U.S. BANCORP
State: WI
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Citizens bank misled me by signing up for their card this is not a Citizens bank card. I went to bank in XXXX Wi on XX/XX/XXXX to pay my bill and Citizens bank would not except my payment and was told the card was not affiliated with the bank. My payment being due on XX/XX/XXXX I had to next day the payment for {$22.00} ( USPS ) and I was still charged a late fee of {$27.00}.

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 monetary relief