BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-11
Company: Commonwealth Financial Systems, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
2 MEDICAL COLLECTIONS FROM COMMONWEALTH FINANCIAL SERVICES - WHO IS THIS COMPANY AND WHY ARE THEY ON MY CREDIT REPORT??? I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your  authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Chase sold my loan to a terrible servicer called XXXX, who has a XXXX with the XXXX. I do not approve of lenders being able to sell our loans without our consent. Congress needs to pass regulations that give the consumer more control and with all that has happened with the bail outs, etc., there should be more advantages for the consumer. I do not approve of moving to a half rate company who has XXXX positive review on the XXXX site, not to mention all the other sites that have hundreds and hundreds of complaints about the operations. It is time for a banking revolution in this country and the people need to wake up and kick these folks out who ca n't do good business. We should be able to penalize banks who do these things and take control of the systems we have allowed to be created under our names.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I receive Social Security XXXX benefits. I opened a prepaid Chase account and had my XXXX check sent to it. After poor telephone assistance, excessive miscellaneous fees and unacceptable terms I decided to close the account and sent my deposit to an alternative institution. I opened the account over the phone. But, when I called to close the account I was informed that the Issueing Agency, Social Security, had to close the account. I redirected my XXXX deposit. Four years later, XXXX sent a check to the account. Chase had not closed the account. Chase had continued to bill the account {$4.00} each month, despite the fact I ask them to close it. They took {$130.00} in fees. They refused to close the account until I got a XXXX Representative on the phone to confront the Chase representative that insisted the only way to close the account was by a XXXX representative. Chase gave me the run around before I conference called the Social Security representative in. They hung up on me many times. They would still be refusing to close the account had I not taken drastic measures. They would still be billing me just as I am sure they are still billing others. XXXX representative said SSA had closed the Chase service accounts years ago. Chase is committing fraud.I am sure I have the grounds for a class action lawsuit. I want My {$130.00} in fees that Chase stole from my XXXX benefit. during the period they continued to bill me they did not contact me to let meknow that I owed them fees. They did not contact me in any way. They held my personal information and continue to charge me and hold open an account in my name without my consent. After several attempts to close the account independently I resorted to waiting over an hour to conference a SSA representative in. This was exhausting and frustrating. I have been taken advantage of by Chase debit card services. They stole my money. They refused to close my account when I requested it. They refused to return my money they took for fraudulent fees.They are holding XXXX accounts open that should have been closed years ago. And they are still billing fees for nothing. I did not use this account for four years, yet they billed and billed but never sent me notice or an invoice. This Chase institution needs to be put out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Billing statement

Complaint:
I was notified by Chase bank in mid XX/XX/XXXX that they were closing all XXXX credit card accounts that I have with them. I called their customer service and even went to a local Chase branch, but got no clear answers on why my cards were closed. Customer Service is appallingly bad and useless. A few weeks prior I had reported to Chase that XXXX of my cards was used fraudulently for a balance transfer of {$3500.00}. I suspect this has something to do with why they closed my accounts, but again they do n't want to give me any details. My identity was stolen, it 's not my fault, but Chase seems to think I 'm some type of security risk. At this point I do n't care about the cards, but I told them I have outstanding balances I need to pay, in order to maintain my excellent credit score. They told me someone would get in contact with me but no one has and I can no longer login to the Chase website to pay my bills, but oddly I am still receiving email alerts that my bills are ready to view and pay. So their website design is just as bad as their customer service. Why am I still receiving these emails if I 've been banned from logging in to pay? I need Chase to MAIL my bills to me for all XXXX cards so I can pay my bills. ALSO, my Chase XXXX card has a {$95.00} annual fee that I just paid in XX/XX/XXXX. The card was canceled by Chase along with the other XXXX in XX/XX/XXXX, so Chase owes me {$95.00} for a card that I can not use. They need to send me a bill showing the {$95.00} credit, then I will pay my remaining balances and be done with Chase forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Credit Karma, LLC
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
While I was incarcerated my home was broken into. My credit karma debit card was stolen from my home and was used to make purchases that were not Authorized by me. I had filed dispute with credit karma spend and was never given a provisional credit like they said they would by the XXXX day. On the XXXX th day my disputes were denied, how they did their investigation to come to that conclusion is beyond me. I filed an appeal to have disputes reviewed and was denied again. I was told that I was a liar and I wasn't incarcerated like I said I was. That they contacted the place I said I was incarcerated at and they told them there was no record of me being there.. which is probably true they wouldn't have no record because I had my record sealed/expunged. Unless there is a court order credit karma spend can not see or ask about me bring incarcerated. I sent them everything they needed to see about my where abouts. I still have my paperwork from when I was incarcerated so I can show anyone I would like to.. I just want my money back that I didn't authorize. Also I would like the merchant to prove I was the one who authorized these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
THIS IS A NEW ISSUE AND SHOULD BE HANDLED AS A SEPARATE COMPLAINT THIS ISN'T A DUPLICATE COMPLAINT EQUIFAX REQUESTED ME TO IDENTIFY MY IDENTITY ALTHOUGH I HAD PROVIDED PROOF OF MY IDENTITY WHEN I SUBMITTED MY COMPLAINT HOWEVER, IT HAS BEEN PAST THE REQUIRED TIME-FRAME IN WHICH EQUIFAX IS BOUND BY FEDERAL LAW TO RESPOND TO MY COMPLAINTS AND THEY HAVE FAILED TO DO SO. I WILL CONTINUE TO FILE A COMPLAINT EACH TIME THIS FEDERAL LAW IS VIOLATED BY EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Other

Complaint:
Chase Bank closed all XXXX of my credit card accounts in XXXX 2015 after I reported them to the CFPB for failing to secure my accounts from fraud after my cards were compromised. Since I generally paid my cards off each month, I had a credit balance of {$110.00}. I told Chase via phone on two separate occasions to issue a check for the credit balance. I also told them this via letter that they signed for. Chase has intentionally retained a credit balance on a closed credit card account and refused to refund me after I asked multiple times over a three to four-month period.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: Grant & Weber
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: Old information reappears or never goes away

Complaint:
The following collection agency Grant and Weber is reporting two accounts that have been disputed in the past. The company did not inform me of the reinsertion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NCA-XXXX  XXXX have claimed that I filed a payday loan in the amount of {$300.00} with their office. I filed a dispute through XXXX  to dispute this as this account is not mine and stated I have no knowledge of the account. They denied my dispute and then reopened the account with a new debt collector showing I opened the pay day loan in XXXX which is again not my account and the original debt was showing opened in XXXX. 

I want this account removed from all 3 credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: REGIONS FINANCIAL CORPORATION
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XXXX of 2021, we were approved to borrow {$23000.00} from Enerbank. As the work was completed on the house, the funds were given to the XXXX. My outstanding balance today is {$23000.00}. I have made payments totally {$1600.00} and I began making payments before any payment was actually due. They took all of that for interest, The last payment I made in XXXX, for example, {$340.00} was due - I paid {$400.00} and {$32.00} was taken from my principle. How can that happen? At the bare minimum, shouldn't any extra that I pay go toward the principle? Of my {$1600.00}, {$110.00} has gone to my actual loan. 

I just think that something shady is going on. I did call twice, she said that it's {$9.00} per day interest. That's fine but where did my {$1600.00} go?

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 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The bankruptcy on my current report is not accurate please remove

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 2022-05-19
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying unsuccessfully for the last three plus months to get my PMI removed from my mortgage payment. In order to do so my home would need to be worth at least {$450000.00}. I've had XXXX different appraisals in the last month or XXXX which have come in close to or over XXXX dollars, so the equity is definitely there to get me below 78 % loan to value. I have spent over 12 hours on the phone with Caliber Home loans and call after call after call I keep getting a different story. At first it was they needed to send me a letter to sign and then me send them a check for the appraisal, this took 2 weeks we did it. Then they cashed my check and failed to order my appraisal for some reason. After countless calls and hours on the phone they tell me they need a list of upgrades which I provide to them three different times still no appraisal is ordered. Finally months later they order a broker price opinion she comes out appraises the home again well over the needed value and now Weeks later they are telling me they see an appraisal has been ordered as of yesterday. No two people have any idea what is going on with this process. To make matters worse they told me I qualified for a free appraisal and should have never been charged in the first place. I am at my Wit 's end and no longer have the strength or capability to proceed fighting with them. At the end of the day each month they delay cost me money not them so they do not care to help in any efficient manner whatsoever. It should not take more than 30 days to remove PMI yet here I am going on the fourth month trying to get this done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card
Issue: Other

Complaint:
Chase does not put a Guide to Card Benefits on its website. I told Chase that I thought that was because they were trying to make it harder to claim card benefits and Chase did not contradict this claim. So I 'm asking that CFPB ask Chase why it does not post on its website a link to its Guide and, absent a compelling reason, order it to do so and initiate a rule making to force all credit card issuers to do so. 
My most recent correspondence with Chase is below. I have earlier emails, but they do n't fit in this block ( and do n't add much useful information ). 
Thanks, XXXX XXXXDate : XX/XX/2015 XXXXFrom : Chase Card ServicesSubject : Re : Account InquiryMessage : Dear XXXX XXXX , We consider your concerns to be one of the most integralparts of the improvement process. I certainly appreciatethe time you have taken to share these concerns. As aresult of comments such as yours, we gain more insight asto how well we are servicing our customers. Please beassured that I have forwarded your comments to theappropriate management for their review. 

The benefits of your card were sent to you when you openedthe account and any time there is a change or update youwill be notified of these changes. You can request themost current guide to benefits at any time by call thenumber on the back of your card or send a message throughthe Secure Message Center. 

If you need any other assistance, you can send us a securemessage. We appreciate your business and thank you forchoosing Chase. 

Sincerely, XXXXSenior Service SpecialistPhone : XXXX EXT. XXXXFax number : XXXXHours : Monday - Friday XXXX to XXXX Central TimeXXXXOriginal Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- Thanks for your reply. 

Please pass this message on to your supervisor with arequest that he/she pass it on to the person who makes thedecision not to put the guide to benefits online. 

Please tell me WHY the Guide to Benefits is NOT online. 
Every other institution in the USA puts full info on theirwebsites. Why would n't Chase. Doing so would reduce yourcosts of mailing the Guide or answer questions like thisone. That leads to me to think of only one reason : It'seasier for Chase to deny benefits if customers do n't knowwhat benefits are due to us. If I 'm wrong about that, youwill have a persuasive reason. If I 'm right, then youwo n't admit it but I hope I will shame you to do the rightthing and post links to the PDFs of each Guide to Benefiton the page where we get our balances. Thanks for '' listening ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: NJ
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:
experian In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, has violated my rights. 

XXXX XXXXXXXX XXXX  account XXXX XXXX, has violated my rights. 

XXXX XXXXXXXX XXXX  account XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX account # XXXX, has violated my rights. 

XXXXXXXX XXXX  XXXX account # XXXX, has violated my rights. 

XXXX XXXX account # XXXX, has violated my rights. 

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 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 2015-05-20
Company: Receivables Performance Management, LLC
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had added XXXX lines to my account with XXXX. My husband suddenly bailed on our marriage and cancelled those XXXX lines, incurring early termination fees. We each made a {$200.00} payment toward the {$1700.00} bill. The account was turned over to collecttions. Neither payment was reflected in the balance they were seeking. Within two months, I received bills from a different collection agency, again not reflecting our payments. I made regular payments to them on a monthly basis. A woman from the agency contacted me and proposed a settlement agreement. ; if paid {$210.00} for the next 3 months, the debt would be settled. I agreed and fulfilled my portion of the contract. She told me I would receive a letter after my last payment within 30 days stating the account was satisfied in full. The letter never arrived. I called her back ; she told me to call the " escalation department. '' When I did so, the phone was either not answered or answered by someone who just said hello and then hung up on me. Next, I received a bill from another collection agency asserting that I owed the amount that was supposed to have been written off. At this point, I have paid the entire balance ; there 's nothing to write off. The last collection agency is still trying to get {$600.00} from me. I was deceptively treated. XXXX has written off this account ; these people are trying to milk me for more money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: JPMORGAN CHASE & CO.
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My son and I share a a savings account at Chase Bank. My son also has a checking at Chase. My son recently sold a car to a gentleman for {$1000.00} for which he wrote a check. The gentleman left the payee blank so my son filled in his name himself. Today my son found that his checking account and our joint savings account are frozen. No explanation was given, only that he had to get the gentleman who wrote the check to answer a call from Chase and verify that he wrote a check to my son. My son was told that if he could n't get this straightened out ( even though they will not even tell him what the problem is ), both accounts would be closed in 7 to 10 days and the funds taken. The money in the joint savings account is my money. My house payment is deducted from that account. I am beyond furious. What can be done about a bank that steals ones money?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I received a marketing email from Mr. Cooper mortgage stating I could save {$28000.00} if I refinanced my existing mortgage I have with them to a 15 year mortgage at 3.375 %. 

Mr. Cooper fully knows my existing mortgage is already a 15 year mortgage at 3.75 % and a remaining balance of {$70000.00} ( original loan amount {$190000.00} ). Pray tell me how I can save {$28000.00} over the life of a mortgage when the proposed interest rate differential of just .375 % represents an annual savings {$260.00} on a {$70000.00} balance which if I somehow were to save that much every year for 15 years would only be about {$4000.00}. Reality is the savings would only be about {$2000.00} due to declining balances over the 15 years. 

Mr. Cooper also knows I have only 5 years left in my mortgage if I made minimum payments. Mr. Cooper also knows I have been paying $ XXXX in additional principle each month for well over a year and slightly lesser amounts in previous months. At my current pace I only have 3 years left and the total amount of interest left if i continue at my current repayment rate is only {$4000.00}. My closing costs to refinance alone would probably approach the {$4000.00} figure. 

The claim I can save {$28000.00} is fallacious and abusive to consumers. This doesn't even pass the XXXX test. I can't fathom how whatever calculation method they are using passed muster with their compliance and or legal teams knowing the risk involved under UDAAP. 

I want Mr Cooper to cease and desist from this marketing campaign until the CFPB is fully satisfied that proper audit and screening procedures are put in place to ensure the accuracy of savings claims they put in front of their customers.

Company response to consumer: Closed with explanation