BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-05
Company: Data Mortgage Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Essex Mortgage ( Data Mortgage ). They are supposed to pay my taxes and insurance using money I pay into an escrow account. They neglected to pay my taxes in XXXX of this year and I received a notice of tax delinquency from the county where my house is located. I called the county as soon as I got the notice and was informed that I was one day from going to collections. I had to pay {$2100.00} out of pocket that day to keep from impacting my credit rating, and now I am fighting Essex Mortgage to get reimbursed. They paid the taxes a week after I did, and now they are claiming that they just got paid back from the county last week. Essex didn't pay my insurance either, so I paid another {$1200.00} out of pocket with an e-check to the insurance company, and Essex still has no answers on when I will be reimbursed for that. They keep asking me for proof of payment, which I sent them twice. I am also still waiting for answers as to why they didn't pay the taxes or the insurance in the first place like they were supposed to. Thank goodness I had enough personal reserves to overcome their screwups! I have been dealing with XXXX XXXX, XXXX # XXXX, Phone # XXXX, or XXXX. His e-mail is XXXX. I am tired of getting run around as if I caused this issue. They screwed up and I'm being questioned by them for everything multiple times. This is insane. I want my money back, I want to know why this happened in the first place, and I want others to know to steer clear of this company. As a sidebar - I was accidently copied on e-mail where XXXX is telling another employee, '' As you can see, the client is starting to get pissy. Any word? '' He thinks I'm XXXX?? Really? I've been dealing with this since XX/XX/2022. I have right to be XXXX  when they created this issue and have been dragging their feet to correct it. Thank you for any help you can offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/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 2022-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Been trying to find copy of Bank of America card agreement from 2016, The agreement had promotion # ID XXXX. 

Please locate and reply

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 2023-09-13
Company: WorldRemit Corp.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
I am a customer of WorldRemit Money Transfer Company. 

On XX/XX/XXXX they requested I provide them with the following information and I did so : XX/XX/XXXX bank statement that shows your name, address, and deposits on the account as well as the WorldRemit transactions An explanation for all of the deposits on the bank statement ( proof of the deposits may be required ) Current photo ID ( front and back ). 




Then on XX/XX/XXXX, they requested the following information and documents and I provided them the same day : - XX/XX/XXXX bank statement from your checking account ending in XXXX ( all pages ) that shows your name, address, and deposits on the account -An explanation for the multiple cash deposits on the bank statement -Proof of small business loan -Proof of check deposits on the business bank statement -Are your transactions business related? If not, please provide an explanation as to why you are using a business bank account to send transfers through WorldRemit * All answers/responses/documents were provided to Worldremit as stated below XX/XX/XXXX bank statement from your checking account ending in XXXX ( all pages ) that shows your name, address, and deposits on the account =============================================================== -- Attached An explanation for the multiple cash deposits on the bank statement ===================================================== -- The multiple cash deposits are from my XXXX  account, my business account and personal loans ( Including XXXX, XXXX XXXX  and XXXX XXXX etc ) Proof of small business loan ============================= -- Attached Proof of check deposits on the business bank statement =========================================== -- N/A : There are no check deposits Are your transactions business related? If not, please provide an explanation as to why you are using a business bank account to send transfers through WorldRemit ================================================================== I am a CXXXX XXXX XXXX. My business is XXXX XXXX XXXX. The name of my business is " XXXX XXXX XXXX '' which is essentially my name. 
I earn my living and earn my income through my business. My household income " is '' from my business. 
Thus, I have no choice but to spend the income from my business for my living expenses and personal transactions. 
Thus, I use my income from my Business account to spend on all my expenses whether personal or business. 
Sometimes I also send funds to family or friends for large purchases or large expenses including weddings or large purchases such as property which is an asset. 


However after providing all these to WorldRemit they still UNFAIRLY and ILLEGALLY closed my account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX2023 I was alerted to a hard inquiry on my credit report from XXXX. I've never had any transactional relationship with them nor have I authorized anyone to do so on my behalf. 

I immediately alerted the company and the credit bureaus to this error and was told it would be corrected. At that time, I asked if any account was actually opened in my name and was told there was none. 

On XX/XX/XXXX, I was subsequently alerted that someone had taken out a XXXX XXXXXXXX loan in my name and purchased a vehicle through XXXX. Apparently this had occurred within 48 hours of the 1/2 hard inquiry. I once again alerted the credit bureaus and XXXX and filed a police report. 

XXXX was not remotely helpful or sympathetic and told me they would conduct an investigation. In the interim, the license plate and registration for the vehicle which I never purchased came to my home. This is clearly a case of title fraud. The perpetrator also attempted to take out an insurance policy in my name through XXXX XXXX and I alerted the California Insurance Commission to this as well. 

I alerted the California XXXX to this fraud and placed credit freezes on my credit files and took numerous other steps to ensure that my information was no longer being used fraudulently. 

Today ( XX/XX/XXXX/23 ) I received word from Experian that they had concluded their investigation and that XXXX maintained that I was in fact liable for the loan. 

That is insane and completely unacceptable. I'm the victim of identity fraud that this company is complicit in. 

If they do not remedy this matter and remove this fraudulent charge from my credit reports and release me of any liability I will file a lawsuit against them, Experian and anyone else who is attempting to find me liable for a purchase I never made. 

Please advise how I can resolve this matter.

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 2020-12-21
Company: JPMORGAN CHASE & CO.
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: Card was charged for something you did not purchase with the card

Complaint:
To whom it may concern, I am a victim of a financial crime by XXXX XXXX XXXX. 

I was an intern for XXXX XXXX XXXX and he manipulated me and scammed me into starting a business. After registering the business and opening a business account, he maxed out the business credit card and left me with the debt. 
His intention was never to be involved in the business but to defraud me and gain access to the credit card. The unauthorize transactions was not business related and was used for personal reason such as a diamond ring, using the credit card to cover for his other debts, and giving it to his family members to use. 
This incident occurred between XX/XX/XXXX to XX/XX/XXXX. 

By the time I found out, I later was informed that XXXX XXXX XXXX was arrested for financial crimes filed against him by other victims. I learned that I am one of the many victims that are filing a report against this criminal as well. 

I went to Chase Bank to address my concerns for the charges and a representative filed a claim on my behalf. 

A month later, I saw the charges were dropped from my business account. 
I called Chase Credit Card Services to confirm and spoke to two representatives that said that I had a negative balance and that my claim was approved. 
A month and a half later, I was rebilled around mid XX/XX/XXXX. 

I am now dealing with the Bank regarding all of XXXX XXXX XXXX charges and they are not able to help me even though I followed all instructions given to provide additional documents regarding XXXX XXXX XXXX case as well as the detectives contact information to verify the documents and information. 

Although I have followed all instructions, my case was denied. 

A detective on his case reached out to Chase recently in XX/XX/XXXX via email but have not heard anything since then. 

Attached are articles of his case and the reports of all of the charges with dates under XXXX XXXX XXXX along with a photo of the Credit Card that he used. 
XXXX XXXX XXXX unauthorized fraudulent charges are in the sum amount of {$41000.00} ( Attach are his unauthorized charges and you will also see a " XXXX '' charged demonstrating he is pretending to be a " escrow '' company scamming other people with that email. 

His booking number is also attached to this report as he was held custody for Security Fraud and Fraudulent activities. 

I have filed a claim with Chase bank, and they have denied my claim each time this year from XX/XX/XXXX until now XX/XX/XXXX. 

Please help with this case as I am under severe financial stress as XXXX XXXX XXXX has left a huge debt under my company credit card and have not faced any consequences regarding his actions Thank you for your time and your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX , GA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$4800.00} ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX  XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-28
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
n reference to Complaint ID : XXXX Original issue : LVNV Funding, LLC has not responded with any valid evidence that the debt they claim I owe them is legally theirs to do so. What I receive are poor quality copies of credit card statements. There is absolutely no evidence they are legally obligated to collect from me. LVNV filed a judgement against me Case # XXXX but due to health issues and not able to fight this it was dismissed as a hardship case. I to this day have no evidence this debt is really mine or who the real owner is. I have yet to see a signed contract. 

In the reply from LVNV states that there was no contact from me until my current dispute. This is not true what-so-ever. I sent a letter requesting proof of ownership of the so-called account, which they did not respond to ( sent via email & USPS ). I again reached out and asked for the above-mentioned information an again was ignored. 

I called LNVN after I was summoned to court ( XXXX ) and the spokesperson stated I could claim hardship after I sent a letter to them which I decided to do since I just wanted this to go away. It was my impression that this would then be removed from my credit report, the thought being as long as it has been removed, I don't care how. I do indeed have financial hardship and was able to honestly send a letter stating so with supporting documentation. 

I was instructed by the spokesperson at XXXX XXXX XXXX ( LVNV 's attorney ) that they have filed to the court to dismiss the summons due to financial hardship and that upcoming court appearance would be canceled. I trusted them and now after reviewing again see this was not true whatsoever. 

I am a hardworking, honest person that puts my trust in other people ( organizations ) to  do the right thing but apparently, I am to gullible to think that way. 

Being lied to about something concerning court hearings, etc. is beyond my comprehension. 

I called back as a follow up in regards to the dismal and removal from credit report and was again told everything is fine. I asked for copies of the documents filed with the court but never received anything. 

I also have NEVER received appropriate documentation with my signature stating this is truly my account owned by so-mentioned company. Who is to say another collection agency won't try the same thing using the same information not verified by any legal documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
PennyMac has foreclosure on my house XXXX XXXX after I made several attempts to bring account to date. I received no court papers of foreclosure just phone calls. PennyMac is the servicer and not the owner. Please advise. On XXXX XXXX my daughter sent a wire transfer to PennyMac for {$14000.00} they kept saying they never receive the funds but XXXX XXXX said they did it was several conversations back and forth so they said the funds when somewhere else. I got the correct information my daughter sent another wire transfer from XXXX XXXX they stated they never received the payment. I didnt understand that because my daughter did a {$16000.00}. Wire transfer to PennyMac XXXX of XXXX and they receive the money. PennyMac also had a lien on the house {$37000.00} which was paid you can see on the monthly statement but they still put {$30000.00} like the lien wasnt paid add the balance of the house up more the balance is incorrect. PennyMac abuse there power and took advantage of the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I closed my capital one secured platinum card and paid the balance in full. It has been over a year and they refuse to send my XXXX dollar deposit back. They had me send various documents and told me I would get the check in XXXX weeks. I have sent them these documents 3 times. Now they are requesting them again. They will not givee my refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-04
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX  ; Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$5700.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was involved in an automobile accident and the vehicle was deemed a total loss. I filed a lawsuit and won the court case against the other party. The court determined that I was not at fault for the accident. Consequently, the insurance company paid the remaining balance due on the vehicle. ( I have attached a copy of the police report for reference. ) There is no outstanding balance due and therefore nothing to collect and/or chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: JPMORGAN CHASE & CO.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This ordeal started back at least 8 years ago. J. P. Morgan Chase offered me a loan modification ( during the time I was going thru a XXXX XXXX and death of my brother ). After they offered the loan modification, and after I filed all the necessary paperwork for a possible loan modification with Chase Mortgage, they illegally foreclosed the property, running away the tenant in the property. After I made several complaints, etc., Chase decided to purchase the property back from foreclosure. They did a reassignment including my name on the paperwork at the Courthouse approximately 4 years ago. For the last few years, they have been updating paperwork for the last 4 to 5 years. Recently, I was told that they could not do a loan modification for me. They told me my only choice was a short sale, or a deed in lieu. After talking with Chase, I agreed to a short sale. I am realtor, and I was planning to complete the short sale myself, then they came up with the idea that I can not be compensated for this transaction. After this, I asked to be compensated for all of the years of loss of income, all of the repair money that I invested into the property, and for Chase illegally foreclosing on the property. They have gone back and forth, and not agreeable to compensating me for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On the XXXX of XXXX I wrote to Experian via mail detailing to them my unfortunate event. I have not heard back from the company and have not received any updates to my account pertaining to the removal of the fraudulent information. I have included with this complaint my letter sent to Experian letting them know I had been defrauded, along with the FTC report, an identity theft report and my personal identification needed to identify me. I would just like this thing over and done with and my credit rectified as soon as possible. This circumstance is inconvenient and a lot! I also left in the letters provided to Experian my id card because I had no other way of proving my residence because I have no bills. My social security copy is also included in the attachment section along with my FTC identity theft report, FTC fraud report number as well as any other information I could provide. I would like this account blocked and deleted.

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