BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-25
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I filed a complaint # XXXX on XXXX/XXXX/2016 I got a reply from the back today they stated they called me on XXXX/XXXX/2016 yes Chase did call me only to request I go to the branch to prove who I am and after I did that they maybe I could get the insurance money. I did that on the XXXX I did not hear from Chase again until XXXX/XXXX/16 at that time I was told a decision on if I could get the funds I needed to repair my home would be made on XXXX and someone would be calling me. As of XXXX on XXXX no one from Chase has called. In the reply it states they are reviewing it and will made a decision within 60 days. I have a forbearance on the loan that ends on XXXX XXXX I need to start repairs now so I can get back in my home and not paying rent and be able to get caught up on the loan. Also the damage is water damage and with nothing being done it is causing mold to grow and now the mold is going to have to be removed. Chase is doing everything they can to prevent me from repairing my home is it their plan to delay this and delay this so they can foreclose on my home. What they are doing is so unfair and not right at all! I have done everything Chase as asked and I did it within an hour of when they requested. I call Chase and email Chase on a daily basis and Chase goes weeks without contacting me when Chase says they will do something it is not done. I need the money to repair my home what they are doing is wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: Rent Recover, LLC
State: NE
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Rent Recovery has continued to report this debt as open and owed. This was included in a bankruptcy that was discharged XX/XX/2015. This company refuses to close and stop reporting. The RR rep at one point said it would only be removed if it was paid even though it was discharged!

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX I applied for and was approved a HELC Loan, last month XX/XX/XXXX I made my final payment. Due to the min monthly interest having been automatically drawn from my checking account a day before my final payment from an external source came through, a credit balance of XXXX. I have contacted the bank on several occasions to determine why to this date XX/XX/XXXX my money has not yet been refunded back to my checking account. Initially I was told the refund would occur within 5 business day, then was told a secondary communication to the appropriate department would prompt my refund. The following time I called I was told " We never refund HELC money until the " End Of A Cycle '' i.e. XX/XX/XXXX. However to this point XX/XX/XXXX STILL NO REFUND? I feel as though I am being given a run a round, please assist me in this matter. The name of the financial institution is BBVA Compass Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-14
Company: Braviant Holdings, LLC
State: OH
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
This loan from XXXX XXXX has charged me more interest than I ever thought I would have to pay. For a XXXX dollar loan they are trying to make me pay back XXXX dollars. In addition, they took XXXX payments out of my account at the same time. I want to resolve this loan by paying the difference between XXXX and the XXXX that I have already payed, which would mean my balance should be XXXX. Please help me with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: U.S. BANCORP
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Due to an illness, I was unable to work for a period of time. This caused me to fall behind on my mortgage payments. Currently, I am working, receiving Social Security and a pension. My goal is to keep the home, and I have demonstrated my ability to make payments. I have sent the mortgage company five ( 5 ) payments via XXXX. However, US Bank has not acknowledged receipt of the payments. As verification of the same, I am attaching my receipts. The dates and payment amounts are as follows : XX/XX/2017 : {$1600.00} - represents three ( 3 ) payments of {$550.00} XX/XX/2017 : {$1100.00} - represents two ( 2 ) payments of {$550.00} I have been corresponding with the lender, and they gave me a deadline of XX/XX/2017 to bring my account current. The letter is attached. 

I am concerned that I am in the foreclosure process when payments are current with the lender. It is difficult for me to get in touch with my point-of-contact at U.S. Bank. The City of XXXX housing counseling office has worked with me to reach to the lender, who did not acknowledge receipt of payments and to the lender 's attorney, who denied filing foreclosure papers. 
If you have any questions, please contact me at 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 2022-01-31
Company: SYNCHRONY FINANCIAL
State: CA
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 an online purchase a generator on " XXXX  '' for {$110.00}. Since I did not receive any email correspondence as to proof my purchase over XXXX hour my purchase and the fact that I saw full charge has gone through my payment account, I checked back with the aforementioned website only to find out it had gone dark. In fact it never re-surfaced anymore. As of today, XXXX XX/XX/XXXX I have not received any mail, email and or other type correspondence for purchase confirmation, order or shipping status. Several attempts to find the vendor online came back empty. I reported the irregular activity to the PayPal a few days following my order. I disputed this purchase on the grounds that I NEVER receiving my purchase. They initially reverse the charge pending investigation and by the end of XXXX they place the charge back without and explanation. So I refiled my dispute on XX/XX/XXXX. On XX/XX/XXXX, I received a response from PayPal Credit Dispute Department, with a USPS XXXX information allegedly proving shipment of my order. Clearly as I had never received any shipment I contacted our town 's XXXX post office. Upon my investigation at XXXX XXXX XXXX XXXX XXXX, it was determined the tracking information points to totally wrong address. ALSO USPS assured me the item mailed has been a flat ( letter, post card, small envelope ) of only XXXX. This is when the item I purchased is the size of a small ice cooler and weighs about XXXX. Please see attached USPS produced shipping transcript corresponding to that tracking number and manufacturer 's spec sheet. 
On XX/XX/XXXX, in the advice of one PayPal Credit Dispute Department supervisor I mailed all supporting documents that proved my case. Since that date I have spoken twice ( XX/XX/XXXX and XX/XX/XXXX ) to the PayPal Dispute Department and and every time it was elevated to the highest supervisor level, and both times they were able to pull up the documents I sent, and assured my that my documents are complete and sufficient to kick the case out and resolve it in my favor, however I am still being force to pay the charge and am being charge 23.99 % interest on the remaining balance. 
They know full well this was a bogus online site and they charge my account without ever planning to send me any such item. My research online showed the address from which the item allegedly was shipped has several similar complains. This is clearly their modus operandi because they've realized PayPal will not go after them.

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 2020-10-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
YOUR COMPLAINT There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a auto lease debt from JPM/CHASE. I cant say this more emphatically, I have never had a JPM/CHASE account in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-29
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage company was notified of failure to pay property taxes on XX/XX/2017. Multiple phone calls were made trying to find out when a check would be cut. XX/XX/2017 was told it would be paid before the XX/XX/XXXX. Called today XX/XX/2017 and was told it was still being researched and would not be done until XX/XX/XXXX. This is the opposite of what I had been told all month long. Now no one will send me an email stating I am not responsible for penalties after XX/XX/XXXX nor will they confirm when property taxes will be paid. I want property taxes paid by XX/XX/XXXX and if not possible I want in writing stating I am not responsible for ANY FEES OR PENALTIES for lack of timely payment. So any FEES OR PENALTIES after XX/XX/XXXX are the mortgage companies to pay. I need my taxes paid now.

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 2022-01-31
Company: ALLY FINANCIAL INC.
State: UT
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:
ALLY FINANCIAL sent me a notice of repossession for a XXXX XXXX. ( I cured it by selling the car and paying off the balance IN FULL ). However, prior to me doing so, they repossessed the car ILLEGALLY by having the company they hired illegally walk onto our private property and break into our closed locked garage door... then removed the car! This is absolutely illegal. Repossession agents are not allowed to break into private property ( open a garage door ) to repossess a car. 

They then proceeded to act unethically and without any care in the world for how it affected my credit scores ... by inaccurately reporting it for years on ALL XXXX CREDIT BUREAUS, first as repossessed, then after many years they put redeemed repossession, both wrong. An illegal repossession can not be reported on one 's credit bureaus, the account MUST BE REMOVED ENTIRELY, or changed to ONLY positive reporting. I have written them for years, wasted so much time, emailing letters, mailing physical certified letters, and calling them requesting they remove my account entirely since it is inaccurately reported and has caused me serious credit damage. They REFUSE to correct my credit report and are still reporting it as repossessed. 

Please make them remove the entire account. They should also pay me damages for causing me credit damage. Sincere thanks.

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 2015-05-14
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I was charged an incorrect amount of interest by Ocwen when I paid off my mortgage. They received my loan payoff and did n't credit it to my account because they said it was n't the right amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: National Credit Adjusters, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The Company called me on XX/XX/XXXX after saying they received a debt from an old credit card. I subsequently asked for a verification of the debt and only received the settlement offer that the company had suggested. I did not receive the verification of the debt. 

The lady, I spoke to XXXX, subsequently told me that I would have to report the best and damage my credit unless I paid the debt. 

It was implicitly stated that my credit would be damaged unless I paid the debt in full and I did so. Not only did they take the money without sending me the verification but consequently went ahead and reported the debt damaging my credit. The balance reported did not show the payments made even though I did make a payment on XX/XX/XXXX. The balances did not reflect this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: Account Recovery Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Thank you for your time. I 'm not sure who to turn to so I will try this in hopes it is the right place to go. I will write a summary and attach supporting docs. Many years ago I went through a really hard situation one which I hoped I would not visit again. In XX/XX/2012, I had an XXXX and went to see my original XXXX and she had me see XXXX who said my XXXX from the injury. I did not have the XXXX with him, I cancelled it because of the research I found on him, and because of my feeling after my contact from meeting with him and the offices follow through. He immediately sent a XXXX bill to a collection agency Account Recovery Services for a XXXX I did not have. After exhausting my efforts I had to hire a Lawyer in XX/XX/2012 to help me. The Lawyer sent a letter that asked them to respond in 30 days and that the services were not rendered and if they did n't respond we or assume this matter is closed. We never received a response. I have n't received anything from either party and many years have passed. Around the same time I had gone through a divorce and bankruptcy. Over the years I have worked really hard to rebuild myself and my credit to buy a house for me and my XXXX year old son. With hopes to get a house soon I recently viewed my credit report and saw this bill appears on it and should not. XXXX disputed it and Account Recovery Services will not remove it and say I still owe the debt. XXXX suggested I call and ask information on it so I did. They transferred me to my Account Rep XXXX and he said I still owe the debt for Services rendered and he confirmed he did have my Lawyers letter and that they do n't have to respond in the 30 days and that they still plan to collect. He said to have my Lawyer call. So I started researching everything again because of all the time that has passed. I found out that XXXX has passed away. That also since XX/XX/2012 a XXXX year old woman has died after his XXXX. Which reassured me I made the right decision and it made me extra grateful that I did not have him do my XXXX. I need help. I do n't know why after so many years have passed that they still say I owe for something I never received and that they plan to collect and did n't have to respond. Especially now that the Doctor is n't even alive. Please let me know what I should do and who I should contact. I really need help getting this bill off my credit report and making sure Account Recovery Services does not try to collect it now after 4 years later. Please let me know what other information you need. I really appreciate your time in reviewing my situation. Thank you so much. Warmest Regards, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-06
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I sent Equifax a dispute about unauthorized inquiries on my credit report and I asked them to provide verification that the inquiries were authorized and they responded they were verified but did not show me proof. I filed a complaint with the BBB and Equifax responded with the same response. I am asking that you force Equifax to provide their investigation documents verifying they indeed investigated this dispute. The inquiries in question are : XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
They told me if I paid settlement amount. Upon receipt they would remove from the credit bureaus. They have not they stated they have not had the time to do it. It has been over 2 yrs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In XX/XX/XXXX my checking and saving accounts were closed do to a previous checking account that was closed with the same institution. Unbeknownst to me I shouldnt have been able to open another bank account, but I was and now my accounts have been frozen and they said they were going to send me an official bank check to receive the remaining funds in my account, but I have yet to receive my funds.

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 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The accounts listed below are appearing on my credit report. Ive put in Several Disputes regarding these accounts. I ask that these accounts are removed from my credit report immediately. Ive filed FTC report which has been ignored by you. These accounts were. opened without my consent. Please remove and correct this information on my credit report immediately. 

XXXX XXXX XXXX {$1500.00} XX/XX/XXXX US DEPT. OF EDUCATION/XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$12000.00} XX/XX/XXXX inquires XXXX Inquiry from XX/XX/XXXX + XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX tracking details to the second set of letters I send out Tracking Numbers : 1. XXXX 2. XXXX 3. 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 2017-03-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am trying to get a mortgage for a house and the lender went to pull my credit. XXXX and XXXX both came back with good scores as a result of the XXXX credit cards I have ( XXXX and XXXX ). However, Equifax would not give me a report saying I have no file. I spent three weeks and many hours on the phone with them to resolve this issue. They tell me that the only way for it to be fixed is for me to update my file by having one of my credit cards report to them. Upon checking with both cards, they both do in fact report to Equifax ever month and even sent an off cycle report. According to Equifax none of these reports have been received and they are unwilling to fix whatever it is that is causing them to lose them or not get them entered into their system. I need them to find these reports that are being sent to them and update my credit report. Any help is much apprecitated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: Convergent Resources, Inc.
State: GU
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
name of collection company " convergence outsourcing '' keeps calling about a XXXX bill in which I had is {$250.00}. I did not make a {$250.00} bill with them

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our office has been attempting to have a short sale reviewed on this property. Every time I have called in to the main Loss Mitigation number at Ocwen, I am advised that there is a specific person handling the file, and the main department is not able to help me out. I have attempted numerous times to reach my " single point of contact '' but have not gotten a call or email back. This short sale was submitted in XXXX and there has been no movement at all despite contacting presidential escalations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card
Issue: Payoff process

Complaint:
I have a credit card with XXXX which is financed by Comenity Bank. I purchased several items under an advertised promotion which was 0 % interest if promotional purchases are paid within 6 months. If not paid in full, by the due date then you have to pay all interest that you would have accrued. That is fine. Because I am a compliance professional in the banking industry and understand how these promotions work with payment allocation and the high risk for UDAAP these types of programs create, I checked the balance on the promotional amount after several payments and it was n't being applied to the promotional amount, my overpayments were being applied to the revolving balance. I was paying more than my minimum to pay off the promotional balance but it decreasing the promotional amount. I had to call in and request that my payments were allocated to the promotional amount. There are several consumers I 'm sure who are not aware of the CARD ACT and how these promotional offers work. XXXX and Comenity should do a better job of explaining this to customers because otherwise, most customers will end up paying on the revolving balance instead of the promotional balance.

Company response to consumer: Closed with explanation