BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I believe I open XXXX inquires against Chase Credit Card XXXX is : XXXX and the other XXXX : XXXX. 
You agency put this XXXX complaints as a duplicate. 
I believe I asked your agency to ask Chase to stop any communication with me until they Proof a signed Card agreement. 
As the Letter I 'm attaching the copy of the letter dated XXXX XXXX 2016 also I 'm attaching the ongoing Monthly Statement Chase Trying to still collect these Illegal Late charges they still want to collect from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There are addresses listed on my credit report that I have never lived at : XXXXXXXX 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 2015-06-19
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card
Issue: Late fee

Complaint:
Chase Credit Card Services is charging me interesting on a charge which is in dispute and being investigated by their disputes department. 

Last month I was charged {$25.00} of interest and this is impacting my FICO score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card
Issue: APR or interest rate

Complaint:
About a year and half ago, I applied and Got an American express issued By XXXX/ XXXX XXXX . The terms were that I was going to get a year of Charges or Transfers at Zero Interest rate. This Credit card Company, abused its power and started to charge Interest during that Interest free Year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Negative inquiry was added to my credit report by a debt collection company for a debt older 4 years in California. Did not receive notice from this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-24
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I am first time home buyer. I bought a short sale house from JP Morgan Chase. Seller 's property disclosure document ( Exhibit A ) provided false information. These issues were not found during inspection such as termites, Basement leak, Roof leak and dead trees in the premise. Buyer is interested to know what is recourse for the false disclosure made in the agreement. Buyer spent {$1800.00} for removing the dead trees alone. Buyer expects to compensate the monetary loss incurred by the buyer for fixing the issues. Attached pictures for evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: JPMORGAN CHASE & CO.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I 've been trying to make my payment with Chase Auto finance on my 2015 XXXX XXXX. I got a new bank account with XXXX. I am trying to pay with my checking account by phone. I have been trying the last few calls. Yesterday I was told all late fees would be waived and I would owe my normal monthly payment amount. I tried to setup the payment yesterday with both and respresentative by phone, then again calling using the phone automated system. I can not, we can not get a payment made by check to go through? I do not want my car to be taken, I am trying to setup a payment, have been trying. I am on phone now with XXXX that called my cell of : XXXX. We have been speaking for over a half an hour, with supervisor involvement. I want all late fees waived and to be able to setup my car payment using my checking account. How can I do this? Repeated mistakes made by another lending institution that is causing me fees and hardache. XXXX Bless America, it feels like sobotage on all fronts. Please advise how I can setup a payment by check using phone, as I no loner use credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have contacted Navient in regards to lowing the amount to allow me to repay my student loans. I only make {$40000.00} which then taxes, health insurance, and child care is then deducted. The only payment that they are seeking is XXXX per month and this does not include my federal loans. I am unsure what I should do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Experian Information Solutions Inc.
State: NJ
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:
called XXXX/ExperianXXXX  after I purchased a credit report with IdentityIQ on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there are Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus that believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX XXXXXXXX Late payment XX/XX/XXXX 30 days late will be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-31
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Ever since Navient took over my loan and the Obama administration offered new loan repayment options, I have been to trying to qualify for the various early loan repayment programs. Navient consistently gave me numbers and amounts that far exceeded what I could pay in relationship to my take-home pay. So I continued to pay the 30-year repayment terms. I am a teacher and tried to qualify for the public servant repayment option, but the numbers just never worked out when I contacted Navient. With all the recent news about Navient possibly mishandling borrower 's accounts, I am now wondering if I ever got a proper repayment quote.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My direct deposit was still set up to my account before the account was terminated on XXXX XXXX. When i asked the teller over the phone what would happen to my direct deposit money from my job she told me the money would be rejected and sent back to the sender. This, in fact, did not happen. Instead, i was misinformed, and this was accually sent towards my negative balance and accepted as a " voluntary payment ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Under Navient, I was never informed of the public employee forgiveness program, nor was I informed of income driven repayment options. I have been accumulating inters for years on a loan that I did not know had alternative options. As a public employee, for nearly 10 years I could have paid at almost to the point of forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I live in New York and pursuant to New York State law, campaign contributions and expenditures for those seeking elective office must generally be reported in detail to the New York State XXXX XXXX XXXX. 
I attempted last week to open a campaign finance account at Chase for an upcoming local election. I provided registration information in the form of campaign finance forms showing that the candidate had registered with the New York XXXX XXXX XXXX XXXX and taxpayer id information showing that the entity had been registered with IRS. The bank was chosen because the Treasurer personally has accounts there and uses both a suburban branch and a XXXX branch. The campaign finance treasurer is well known by the bank branch, having conducting substantial business over the years. Her integrity is not in question. I will have signature authority over the account as well and I also have personal accounts at Chase. The candidate would have no signatory authority over the account. 
CHASE declined to open a campaign finance account. I protested this decision, pointing out that it was part of the bank 's CRA responsibilities to provide services required by the community. XXXX candidates need to be able to have depository accounts in order to comply with New York State XXXX. I asked to speak with a CRA representative but the branch manager said there was none to whom they could refer me. I have filed a complaint with the bank and told the branch manager that I am filing this complaint with you. Several years ago, I had this same problem with XXXX XXXX XXXX Bank who initially said " no '' to an account but changed its mind pursuant to its CRA responsibilities. 
The Chase branch manager stated that they did not want to provide a campaign finance account to a single candidate because she was concerned that it would appear that they would be favoring this candidate. This rationale might make sense if the candidate was seeking a loan or a contribution. But all that is requested is a simple checking account. 
I am looking for relief in the form of a CRA policy that requires banks and bank branches operating in New York to provide the depository/checking accounts that are required for candidates to run for elective office. This campaign finance activity is a very fundamental activity of our democracy and federally chartered financial institutions must provide the services needed by the community members to run for elective office. 
I would greatly appreciate speedy resolution. Other banks in the area have also declined to establish such accounts. Until a depository is identified, this campaign can not deposit checks nor pay vendors.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: The CBE Group, Inc.
State: ME
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint:
XXXX XXXX keeps sending letters from several different collection agencies after several attempts by my attorney to report this as a dispute of validity of debt. Despite repeated requests to have correspondence go through my attorney, all communications are still being sent to me directly. No one from XXXX XXXX the original creditor ) has made any attempt to solve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had a mortgage through Bank of America for my home for more than 5 years. Originally the address of the property was incorrect ( XXXX " my road '' ) in XXXX of XXXX I corrected the physical and mailing address to XXXX " my road '' through XXXX XXXX real property office and my post office. My insurance company along with everyone else made the appropriate changes. When contacted, Bank of America made the changes but only to my mailing address. In the fall of XXXX Bank of America requested a copy of my homeowners policy. When sent, they declined it and said I needed a policy covering XXXX " my road ''. I have made several attempts to get BOA to change my physical address since fall of XXXX. They are delaying the process and I have sent them all requested documents via email and/or fax. Now starting XXXX of XXXX BOA has provided an additional homeowners policy through escrow thus significantly increasing my monthly payments. My homeowners policy is current and is the original XXXX from the start of my mortgage. BOA is making me pay for another policy covering XXXX " my road '' which is no such number and does not exist.

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 2015-09-21
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card
Issue: APR or interest rate

Complaint:
Opened a credit card account in XX/XX/XXXX. Interest rate was 9.9 %. XXXX XXXX payment due date was XXXX/XXXX/XXXX. XXXX XXXX statement did not show any increase in minimum payment. I made my XXXX XXXX payment and when I received the XXXX XXXX statement, the minimum payment jumped to XXXX with no significant purchases made during XXXX XXXX. After scrutinizing the XXXX XXXX statement, I noticed a late fee payment and also a change in my interest rate from 9.99 to 29.99 %. I immediately called this credit company and they said that my payment that was due on XXXX/XXXX/XXXX was late and that they did not receive it until XXXX/XXXX/XXXX. I could not believe what I was hearing especially since the holidays could have slowed the mailing process. They were very negative about my complaint and said that their policy stated that they had every right to do what they did. I have sent letters pleading with no avail. In XXXX XXXX statement which was due in XXXX XXXX, XXXX was not paid and in my letters, I stated that if no consideration would be given to my account, that they would not see a dime from me. I had a balance of about $ XXXX and I believe the balance is now up to XXXX or XXXX ( with all the late fees and other fees ). I have a credit score of XXXX and I applied for a VA home loan and was turned down because of the collection that is still on my credit report. The VA finance recommended that I get in contact with your company and maybe you could help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I took out a student loan for the amount of {$12000.00} XX/XX/XXXX to attend XXXX XXXX University in XXXX, GA. I was assured that my interest rate was 6 %, and reluctantly agreed. What I did not know at the time was that the interest rate was variable, deep within the many pages of fine print of the original contract. Since then my interest rate has ballooned to 18 % and now currently it has went back down to 13 %. I am not working, and although I have been trying hard to gain employment I have been successful. Back in XX/XX/XXXX, after graduating, I found myself in the same predicament, and XXXX XXXX lenders allowed me to defer my account for three months. Now XX/XX/XXXX, I am in a devastating financial state, and XXXX XXXX says according to the terms of my agreement, I can only forebear it once during the life of the loan. They are now threatening to take me to court, and will not work with me in terms of allowing a brief forbearance while I continue to aggressively attempt to secure employment. They did say I can possibly make a payment plan of {$150.00} a month, but only if I submit my bank statement, and the rep even noted that if they find that I spend money on XXXX or restaurants, they will not consider this plan, because I must " obviously have money ''. The truth is {$150.00} is not bad at all, but I just do n't have that money at this moment. Any advice on how to proceed will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I recently submitted a complaint ( number XXXX ) regarding mortgage issues with Bank of America. A representative called me on XXXX XXXX or XXXX, in regards to the complaint, and during that conversation, the representative started laughing at me and my situation. This is now the person who they have assigned to assist me with my mortgage. Also, during that conversation, ( after the representative started laughing at me ), I asked to speak with his supervisor. I was told she was not available, but that she would call me back in 30 minutes. The supervisor did call me back, and was helpful, sort of. She explained that she would be sending me some documents, and would call me back on Friday XXXX XXXX at XXXX. ( her name is XXXX XXXX XXXX. We set up an appointment for her to call me. She never called me. I called her at about XXXX XXXX and received her voicemail. This seems typical of Bank of America as I have been dealing with them on trying to get a loan modification XX/XX/XXXX. They keep saying they are sending out documents, and they never do. I spoke to them back XX/XX/XXXX and was told they would be sending the documents. I also requested the documents multiple times in XXXX and XXXX as I had regular bi-weekly phone calls scheduled with my " dedicated account representative. '' These dedicated account representative has indicated on my account that I was unresponsive and Bank of America has now placed my home in foreclosure after they refused/returned my payment to them to bring my mortgage current and up to day. They are now making me pay additional fees totaling {$450.00} + potential escrow fees + the amount of money I sent to them XXXX which they refused ) in order to remove the foreclosure status of my loan. They are also requiring that I send my payment in certified funds or a money order, which of course costs additional money, plus they only gave me 4 days to get the payment to them and require it be sent overnight express mail, which also costs additional money. They really are not looking out for people who are struggling to pay their mortgage and are doing what everyone says to do, and that is stay in contact with your mortgage company and attempt to make arrangements to pay. Bank of America does not follow through with what they say they are going to do, and in the mean time, when consumers are doing what they say they can do, Bank of America puts your home in foreclosure. There are many websites that warn consumers to be aware of scams ... .well, I think Bank of America should be added to the list of scam artists.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-14
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
They have my spouse name listed as XXXX, this is not correct. Also iam listed as living @ XXXX XXXX co. XXXX. Also incorrect. Also XXXX addresses with similar address, XXXX. co. XXXX this address is correct, the other XXXX similar addreses are not.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-07
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Advertising and marketing

Complaint:
Before signing up for the Chase Sapphire Preferred card, I spoke to a Chase CC specialist who informed me the annual fee would be waived for the duration of my schooling since I had no active income. I procured the card and have made full, on-time monthly payments for over one year. I was charged the annual fee thus XXXX XXXX and spoke with a CC specialist and a manager today. The manager informed me ( 1 ) there 's no notation of the agreement on my chart ( which makes sense because I called before I had an account to confirm this was possible ) ; and ( 2 ) " that person ( who confirmed the waiver ) is probably not working here anymore ''. Both of these points are beyond my control and do nothing to address the fraudulent way I was convinced to apply for a credit card. When I mentioned filing a XXXX report, the manager told me to write a letter to the Chase Bank Executive Office, but that a waiver would be impossible.

Company response to consumer: Closed with explanation