BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-16
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage with Chase. I have never been late on a payment. For some reason they have blocked my access to pay online. If I try to contact them I am automatically forwarded to their default/collections division. Repeat : I am not in default on my loan. So you have to call customer service which has my checking account information. They are basically harassing me and trying to force late payments by blocking my access to pay my account online. I have written to CFPB 2 or 3 times before this complaint but my issue has never been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: JPMORGAN CHASE & CO.
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Found an Hard Inquiry on my consumer credit report from Chase Credit card Entry on my credit report dated XXXX XXXX 2015. Was not written or verbal consent to have that hard inquiry for credit at that time made by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: EQUIFAX, INC.
State: CA
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 a open XXXX XXXX account on my Equifax credit report. Reporting and changing my score monthly. It is not mine. I have disputed multiple times. Every time I call the equifax dispute center, they just advise me to call XXXX XXXX. Well, XXXX  XXXX cant do anything about it because I dont have an account with them for them to look at. The account is showing open as of XX/XX/XXXX. The date today is XX/XX/XXXX. Equifax has been ruining my credit and sending me in circles all this time. Its an equifax error. Having me call XXXX  XXXX every time they drop my dispute does nothing. There is nothing XXXX XXXX can do for me, without having an account or ever having an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Flagstar Bank, N.A.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I bought this house XX/XX/XXXX with a company called XXXX XXXX but all of a sudden we started getting bills XX/XX/XXXX without being asked or shown updates from Flagstar bank Fraudulently because I personally never applied for refinancing nor anything else. Even new deed paperwork from what the two companies did needs to be revealed in writing to me and the opportunity to decline and just pay the city of XXXX XXXX Virginia until the matter is resolved. I think this kind of XXXX XXXX pyramid has been going on and we need laws to cover consumers truly. I met people in person when I purchased this house. I don't know anything about Flagstar bank except it appears to choose people they figure can't win their methods of dishonesty. Please I don't even know what it will take other than suing them for millions of dollars to help others get from the scandals and scam. Please tell me something else- legally as I talk to you. I owe them no explanation for what I want since they're not explaining to me how they chose me. And during Covid they can't even threaten foreclosure especially when I write checks but included XXXX XXXX information to cover my integrity as an XXXX Veteran and XXXX XXXX  XXXX XXXX employee from XXXX XXXX on XXXX XXXX for over XXXX yrs and by the GRACE of XXXX healing properly from an accidentally given XXXX XXXX XXXX given to me at a local hospital, so if this is take advantage people please don't let them get away with it. I've did all my life required as well now why can't I just live affordably on my pension til I die and the real mortgage company is responsible for the outcome if not paid in full. As Flagstar bank is proven corrupt I want my deed stamped and certified my ownership by their default criminal act. Thank you

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 2016-06-13
Company: JPMORGAN CHASE & CO.
State: DE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX, I purchased a home with my husband. In XX/XX/XXXX, I moved out and never went back. In XX/XX/XXXX, upon our divorce, he kept the house & continued living there all these years. He refused to refinance the loan to remove my name, despite my many attempts to convince him. In XXXX XXXX, he stopped paying the mortgage, and I was informed by Chase a few months after that. For 3 years, I have been in contact with Chase, I have done everything I possibly could to fix the situation, but my ex-husband refused to cooperate in any way. I 've had many conversations with Chase regarding the loan, and have asked for their advise about what my options were. No one ever gave me any suggestions, other than the options I had already explored. Without my ex-husbands cooperation, I was basically stuck. Finally, after 3 years, they finally moved forward with the sheriff 's sale XXXX XXXX, & the property reverted back to the bank. After all that time, this has had a severely negative effeft on my credit, and I was powerless to fix the problem. When the account was finally closed, I wrote a letter to Chase ( copy uploaded ) requesting them to please remove this from my credit, and they refused ( copy uploaded ). The negative impact this has had is now effecting my daughters opportunity to attend college. Today, XX/XX/XXXX, I received a certified letter from Chase ( copy uploaded ) that states that they have secured " my '' property to prevent damages, and they will maintain the property. It also states that any they would assess any costs to " my loan ''. When I called Chase to ask about this letter, I was told to disregard the letter. My concern is that I do n't own this property anymore, so how can they continue charging me for maintanence fees. And disregarding the letter, could come back to bite me later on, when they send me a bill. Which I will not pay, but they can then put on my credit as yet another derogatory account. My credit has been destroyed so much so, that I cant help my daughter get student loans to go to college. Chase is unwiling to acknowledge the fact that I had no legal recourse on my own, without the cooperation of the other party on the loan, and now they are threatening me with additional costs for a property I no longer own. Considering how much your credit score can effect your every day life, and how hard it is for consumers to fix mistakes & misinformation, I would think that companies, especially ones like Chase, would be a little more responsible with their actions. I find it offensive that companies can randomly say they are owed payments, send you to collections, and ruin your credit with the flick of a pen, and we the consumer, have to pay a credit reporting agency to get an actual score. I think the rules are stacked against the consumer, when it should be the other way around.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Back in XXXX 2015 my wallet was stolen and my credit cards used, all of which have been deactivated and my money refunded. The appropriate Police Report was filed in XXXX 2015 immediately after the wallet theft episode. Also, the thief got into my checking account and pulled money from it. Said money was also returned by my bank and the account closed. Unfortunately the thief has my driver 's license and I want to stop him from using it. I have worked real hard to identify the thief and I am writing to you to ask for help. 

The thief used ACH to pull the money which allows one to see the account to which the funds were sent. I contacted the bank to which the funds were sent but they will not give me any information. They said they need it requested by my bank or the police. 

I contacted the police immediately since the theft ( back in XXXX 2015 ) and repeated attempts to get them to help me have yielded absolutely no results. In fact, on my own, I was able to get information that the police said they could not get. The detective on the case has not proven interested in helping. He says that the bank will not give him information, information which I was able to get with one phone call. I gave up on the police after 5 months of trying. 

The bank refuses to work on this because they say that for the money that was stolen ( {$150.00} ) it is not worth their time and that I have been refunded said money. 

This means that, while there is information that would allow the police to ID the thief, and maybe stop him from using my drivers license to inflict more financial damage to me, no one really cares to help me. 

I need someone to compell the bank and/or the police to act in assisting me ID the thief and stop him for further attempt to steal my money and perhaps even my identity. 

Can you provide some assitance?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Payoff process

Complaint:
I own a Chase Slate card since XX/XX/2014.My limit is XXXX dollars.My current balance i XXXX. I am never late with payments.At the begging when I got the card I was sending XXXX dollars minimum payments but I saw no change in the balance..so I started sending double the minimum payment. XXXX dollars a month.Still no change.So, I decided to send XXXX dollars a month.Still no change. I decided to call Chase Slate. Doing the call I was told that my minimum payment was XXXX dollars and my interest was 55 to 66 %, plus they have a fee of XXXX dollars a month that I was not aware of because it was not there when I got the card. That means that even tho I 'm sending way over the minimum payment, the fees and interest takes most of my money..so there is no money left to pay the minimum, so they hit me with a late charge and my XXXX dollars payment is like it never was. Doing the phone conversation with Chase Slate, the telemarketer suggest I should send XXXX dollars a month. I ca n't afford to do that.I think my XXXX dollars payment should be enough because my minimum is XXXX dollars.The interest is ridiculous, abusive and fraudulent. They are playing with my money and I am trap paying a bill that never gets paid even tho I am sending payment on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
To Whom It May Concern, I am filing this formal complaint because I feel that Chase/XXXX XXXX is not honoring their part of the agreement with the government. I have been trying to get a loan modification since the beginning of last year. During that time Chase/XXXX XXXX has put me through a ridiculous ordeal. I have a legitimate reason for hardship. I used to make over $ XXXX a year before XX/XX/XXXX, before the economy took a turn for the worst and now I am on Social Security XXXX. I have had to borrow money from family and borrow from my retirement just to make ends meet. I believe that Chase/XXXX XXXX illegally denied me for the assistance and since I 've read that they have been fined heavily for wrong doing, I was forced to hire a law firm to protect my home. I would have never gotten in this mess had Chase/XXXX XXXX not told me to get behind on my payments. They told me it was necessary to be able to qualify for the hardship assistance. Then they played games with me. They told me they never received my paperwork even though I faxed and mailed and emailed it to them multiple times. Even when I got them to admit that they received the paperwork, they said they lost it and told me I had to re-apply. They kept changing relationship managers on me and I could never get the same person on the phone XXXX. My mortgage is currently 55 % of my gross monthly income. If that is not considered a hardship by Chase/XXXX XXXX, then what is? I believe I meet every single criteria put forth by the HAMP program. My mortgage was originated in XX/XX/XXXX and I never refi 'd after that. I am hoping that someone will hold these big banks accountable for denying homeowners assistance when they clearly deserve it. I think the main reason that Chase/XXXX XXXX is not helping me is because I have some positive equity and they want to get that money for themselves. I did not read anything on the HAMP guidelines that if a homeowner has positive equity that the lender does not have to approve them for HAMP, but maybe that is just the banks policy to maximize their profits. If I could just get caught back up and into an affordable payment, then I could keep my home, but I am at my wit 's end. There are an obscene amount of foreclosed homes in my neighborhood and I do not want to join them. Please help me save my home. I do n't want charity, I just want what is fair and right.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Chase Bank, where I have a personal and a business checking account, had a system outage around XXXX EST on XX/XX/XXXX, and I was unable to access the website. I needed to do a transfer to avoid an overdraft, so I called in. After being on hold for quite some time ( I 'm assuming due to the outage ), I was told I should call back in the morning, and they would know the system had been down. Around XXXX, I was able to access to website and I put the transfer ( {$80.00} from business to personal checking ) through. 

Sure enough, I woke up to several overdraft fees, as the transfer had n't posted. I called Chase bank, only to be told by every person I talked to that " there was no outage '' and " the system has been up and running perfectly. '' It was like the XXXX XXXX. If my wife had n't been sitting there listening the whole time both last night and this morning, I would have thought I was going crazy. 

Until I checked the websites that keep track of website outages, and sure enough, Chase Bank had massive spikes in outage reports around XXXX EST. I ca n't explain why they would deny that there was a system outage when it 's clearly documented that there was. Either way, it 's led to them collecting overdraft fees that exceed the amount of the initial deficit. I 'm guessing I 'm not the only XXXX. 

Banks should n't just be able to blatantly lie to their account holders without legal repercussions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-23
Company: JPMORGAN CHASE & CO.
State: KY
Product: Credit card
Issue: Billing disputes

Complaint:
I have good relationship for over 1 years. I was a loyal card member never miss a payment. I notice fraud charges on my account and I notify Chase. Chase promtly took off my charges but then rebill it a month later on XXXX XXXX. Chase also closed my account. I do not know why a big bank like Chase would took those actions against customer while they lost their credit cards. Chase should not be advertise zero fraud, but when it happen they will close the account and let the customer deals with the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Received an email from my bank regarding suspicious activity on my debit card. Somebody used my debit card to make a purchase at a XXXX in Georgia Friday night ( XXXX ) while I was out with my fiancee in XXXX Illinois.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-17
Company: Ocwen Financial Corporation
State: WA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Modification process stopped with lender ; foreclosure hanging over our head during covid 19 period No offer of forebearance Washington state has been shut down

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Payoff process

Complaint:
Due to identity theft, I chose debt consolidation over bankruptcy. Chase account identified on credit reports as XXXX was XXXX of the accounts I have been attempting to resolve via XXXX XXXX XXXX XXXX for more than 22 months. To date XXXX XXXX has satisfactorily closed/resolved every account that accepted out attempts at resolution. Chase has refused all our attempts to resolve this issue. While we are still negotiating in good faith, they have reported my account as bad debt, placed for collection, and skip, adversely affecting my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: JPMORGAN CHASE & CO.
State: UT
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
in short they closed my account and are withholding my money. 
i had an account with chase bank. the account was overdrawn and the bank contacted me to pay them back. i made an arrangement to get the account current by the XXXX of XXXX. on the XXXX i went to the bank to deposit money only to find out that the account had been closed that day and could not be reopened. after the weekend i went to the bank and talked to them about setting up a new account. i made an arrangement to pay the balance that i had and i set up a new account there and i deposited over {$2300.00} into the new account via a check i had received from an insurance claim. they told me the check would take a couple days to clear. account was fine for the first day after it opened. the day that the check was supposed to clear witch was the next day i tried to log into my account and was unable and was given a message that my access to the account was suspended. i called the bank and they told me that my account was closed again and that i would not have access to the funds.she told me it would be XXXX to ten days before i got a money order for the funds in my account. they would not tell me why it was closed or let me take out my money. nobody even tried to contact me about it and now its been past 7 days and i have n't received anything and i am concerned. this ultimately led to my family having a very XXXX XXXX because they withheld all my funds and the bank has not cared at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian is reporting the account with SBNA/XXXX XXXX/XXXX inaccurately on my credit report. The account was paid and closed in XX/XX/2020. The balance is {$0.00}. However, the account status is reporting as 30 days late. This is inaccurate. I have disputed this information twice. It has not been corrected and the account is still reporting inaccurately on my report. XXXX XXXX  advised me that they have reported the account as paid to the credit bureaus and the account should reflect this and should no longer report as 30 days late.

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 2015-06-05
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX has caused me and my Family, Financial Distress and harm, XXXX, irreparable harm ( Loss of home is irreparable harm ( XXXX XXXX XXXX.v XXXX XXXX . XXXX. & XXXX XXXX XXXX XXXX ( XXXX Cir.XX/XX/XXXX : Civ Code 3387 ) by the following actions of Fraud, Deceit, Misrepresentation1 ) Unlawfully Foreclosed while transferring Loan to another servicer ( Dual Tracking violating CC2923.6 ) 2 ) I was denied a single point of contact violating CC2923.73 ) False Documentation Violating CC2924.174 ) Violating standing Requirements CC2924 ( a ) ( 6 ) 5 ) Violating FHA Loss Mitigation Rules ( 24CFR 203.500-681 ) Face to Face Meeting requirement6 ) Improper substitution of trustee ( XXXX v XXXX XXXX Cal.APP XXXX XXXX ( XX/XX/XXXX ) 7 ) ROBOSIGNING Violating CC2924.17 ( XXXX v. XXXX XXXX XXXX XXXX XXXX8 ) Backdating and Invalid assignments CC2924 ( a ) ( 6 ) 9 ) Falsely Stating XXXX was Lender, Investor, Beneficiary.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: Bepensa Capital, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have sent a letter to them regarding the matter. However, no one sent a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " XXXX. '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
1. On XX/XX/XXXX called and held on for at least 25 =minutes. Then tried their on line system then showed 2 wrong telephone numbers., therefore, could not access account information.
2. on XX/XX/XXXX I called and held on for 25 minutes then gave up.
They changed there on line system with the correct last 4 digits of my phone number.
Answered yes and received a 5 digit code. The code did not work.
3. I am concerned that XXXX breach might have allowed someone to steal my large CD.

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