BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-04
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello and good morning. My name is XXXX XXXX and I currently have a mortgage through J.P Morgan Chase ending in XXXX. They are not the original lender as XXXX XXXX was the original in which it closed XX/XX/XXXX. My complaint and dispute is the run around and unwillingness to perform a XXXX on my property to assess the XXXX ratio for actual value of the property. My current property is located at XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX. I was given quite an insulting appraisal and disputed it. I even paid for a second appraisal from a second lender. Long story short I ended up having to take the low evaluation to not lose the property since the initial lender has all of the paperwork prepared for closing. Had I not, the seller was going to re-list the property. The property was appraised for {$480000.00} and I currently owe {$420000.00}. The property itself is worth $ XXXX $ XXXX in the $ XXXX range. Thus why I want a XXXX performed in which I expected to be a simple request not an argumentative debate. My complaint is that Chase refuses to perform a XXXX  to assess the actual property value even at my own expense to remove PMI. I am attaching my PMI disclosure from Better Mortgage that I signed at closing. It does state the general dates and numbers for request and/or auto termination of PMI. What it does NOT state is any requirement/s for me to HAVE to perform SIGNIFICANT IMPROVEMENTS in order to request and/or pay for a BPO to be performed! This is not right and outright illegal. After telling me on XX/XX/XXXX in an email that I am attaching that I could pay for an evaluation at my expense now everyone that I speak to refuses. They record their calls as most businesses do and have an associate telling me that I could order a BPO over the phone and even billed my checking account for it on XX/XX/XXXX. I have attached my statement showing the charge. There is nothing on my PMI disclosure that mentions the requirement for significant improvements to be performed and/or anything to do with a time frame for borrower requested removal of PMI on the note in under 2 years to request/demand an evaluation of the property/BPO. This to me is a combination of this financial institution just wanting to continue to get rich off of collecting money from as many customers as possible but most IMPORTANTLY the attempt to combine 2 completely different sets of guideline requirements that are not of the same lender and/or to be used concurrently. I have read over the XXXX of XXXX, lender disclosure from closing lender, and XXXX XXXX. I know that this is not right and I only agreed to what I SIGNED for at closing. The requirements do not include what has now been being applied to me by this lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
American Express Rewards card beginning XXXX. Area merchants began to refuse card XXXX.
Rather than fix the problems with merchants, card was cancelled without warning sometime during XXXX  or XXXX without written notification. On line message XX/XX/XXXX stated " This card has been cancelled ''. Requests to verify in writing closure and reasons have been refused. Cashback rewards of {$61.00} was forfeited rather than paid as previously requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On Wednesday XX/XX/2021, I began receiving alerts that a hard inquiry on my consumer report was just made. Upon reviewing my report I saw that the inquiry was made by " XXXX  XXXX XXXX ''. I called the number listed and they explained that they do not pull consumer reports, however they provide the service for their clients to be able to do so and that the inquiry in question on my report was done by " XXXXXXXX XXXX  XXXX. 

I immediately contacted the mortgage broker that I had been working work to refinance my mortgage and inquired why, without my knowledge or authorization he had taken it upon himself to pull my consumer report. 

Facts : -The mortgage company already had an copy of my consumer report that I did authorize for the purpose of completing the refinance, there was no reason to pull another. 

-I had already explained to the broker that I did NOT wish to have multiple inquires on my consumer report relating to this refinance as it know multiple inquiries can have a damaging impact on your ability to get funding in the future. 

-I DID NOT authorize a second inquiry on my report from this broker and it was done without my knowledge. 

-When I asked for an explanation from the Broker ; he lied. There was no need to pull my report again as he was aware he had my correct report ; despite if he had mistakenly misspelled my last name. He still got to the correct report. He also had numerous other legal documents as well if he needed to verify the correct spelling of my name ; including my license, tax filing, pay stubs and lastly MY OWN EMAIL. He then began to insult me. 

Please see the attached document.

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 2018-01-04
Company: ASSURANCE FINANCIAL GROUP, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I live in the City of XXXX, in XXXX County. As widely publicized in XXXX, our property tax bills were delayed due to disputes over the tax digest used. New revised bills were issued on XXXX/XXXX/XXXX. I contacted my mortgage company, Assurance Financial, the week of XXXX XXXX to make sure they had received the revised bill. They had not and at that time I sent them a copy with pleadings that they make sure my bills were paid on time. I noticed on XXXX/XXXX/XXXX, that my escrow account had been debited for my County taxes which were not officially due until XXXX/XXXX/XXXX. I reached back out to Assurance and stressed that I wanted to be sure the City taxes due XXXX/XXXX/XXXX were paid. The customer service representative assured me they would be paid one time, but my escrow summary did not reflect any taxes being due, which I kept telling the representative. The escrow department at Assurance seemed to have no knowledge of GA mortgage laws as they insisted the taxes had been paid at closing, which I knew to be untrue. I reached out again the following week when I still saw no changes to my escrow account. Again, I was reassured that the payment would be made on time. One XXXX XXXX, I checked my account and noticed the payment still had not been issued and the funds were still in my escrow account. I attempted to call only to learn the company closed that week! I sent a message via their secure message center stressing the urgency that my bill must be paid that week or be delinquent with interest and penalties. I never heard back from the company. I called on XXXX/XXXX/XXXX after the payment still had not been made. I spoke with a manager who assured me they  were " researching '' my issue. I sent him ANOTHER copy of the bill and asked that these taxes be paid immediately as my escrow had more than adequate funds and the taxes were now past due. I was assured someone would call me back within 24 hours and I 've yet to hear from anyone and my account reflects no changes. This also will cause me to miss out on my mortgage tax benefit which I really needed this year.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am interested in removing a 7 year eviction from public records. I paid off the debt, resulting in the case being deemed " satisfied, '' by a judge. However, it still shows up on civil case searches and most likely my rental application. I was wondering how to get rid of it all for good.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received a {$10.00} virtual visa gift card after I filed a survey about XXXX  products. Upon activating that card I was unable to use it because it was constantly declined. I called to its customer service at XXXX, and my waiting time was constantly changing every time I was next on the que, so after several hours of waiting I was still unable to talk to the customer service. I also wrote a complaint to XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX, TX XXXX and nobody responded. That prepaid visa card is a total fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: SECURITY FINANCE CORP
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). Security Finance Corporation violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), and 15 usc 1681e ( b ).

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 2019-05-05
Company: EQUIFAX, 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:
This account was previously removed by all three credit agencies equifax, XXXX and XXXX.There is someone with a similar name as mine and some of there credit items are being reported on my credit report, this item was removed from my report and placed back on my report without my knowledge.I was not notified that this was placed back on my report nor did I received verification or validation that I asked them to send me verifying that this is my account so the account was removed.Then it was later placed back on my report. 
Agency : XXXX XXXX Original creditor : XXXX XXXX XXXX balanceXXXX account # :XXXXxxxx

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-17
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have tried resolving this issue with the Equifax and XXXX XXXX  by asking them to validate the debt with documents showing I owe the debt. I never live at XXXX XXXX and I never lived at XXXX XXXX XXXX, Tx XXXX. XXXX and XXXX have removed because this is not me and I do not owe the debt. Please remove from Equifax report debt dat reported XX/XX/ 2015 reporter XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Continental Services Group, Inc. d/b/a ConServe
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX university sent a debt to conserve for collects. I was never fully enrolled until college. I did not meet all the requirements to be enrolled. This debt is for classes that I couldnt not take due to not being enrolled

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Deceptive practice, illegal repossession. Filed complaint with Attorney General. False reporting to credit as " involuntarily repossession ''. Falsely repossessing and breaching terms has been filed with AG Office. Credit agencies all show my credit as 400 less now and with incorrect comments. Despite XXXX XXXX lawsuit of XXXX XXXX by MA AG, the company is still deceiving consumers and now I am without my vehicle despite following terms of my loan, resigned from job of 2 yrs and left homeless. Upon refusing to return car stolen and illegally repossessed, and XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX breaching loan terms, XXXX XXXX hung up on me, and within 5 mins reported to all credit agencies indicating " involuntarily repossession '' despite knowledge and video taped by my home cameras the 30 minute conversation with the PI where I handed over my keys. I attempted to pay what was owed, all well within my loan terms the following 3 days and was denied and XXXX XXXX gave reason he owes bank. False reporting with knowledge to credit agencies and refusal to fix despite knowledge written to bank and XXXXr.

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 2017-07-27
Company: Express Recovery Services, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Express Recovery was reporting an amount on my credit report, which I have never received any information on. I sent a validation request initially a few months ago, asking for them to validate this amount, if this is a medical bill which member of my family it was for, dates of service etc. They never responded to the initial request, so I second one was sent on XXXX XXXX, 2017. Both requests for validation and verification contained all of my contact information so they could provide the requested documents and get a hold of me easily. No correspondence to date has been received, I obtained their fax number today and faxed a cease and desist notice as they have violated FDCPA regulations in not only refusing to provide the validation as requested in writing, but also by continuing to collect and report on this account without validating.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Filled for Bankruptcy XXXX/2016 All student loans removed under XXXX XXXX  and switched to navient.
Being charged up to XXXX in interest per 9 loans.
Denied for repayment plans.
XXXX XXXX and XXXX College obtained loans under false pretenses.
I have contacted navient/XXXX XXXX/ XXXX XXXX/ and XXXX College without success.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have previously disputed with transunion, XXXX and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2021-09-16
Company: BMW Financial Services NA, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Purchased a new car on XX/XX/XXXX with a car ( XXXX XXXX ) as the trade. Old car financed with BMW Financial Services, new car financed with BMW Bank of North America. I tried unsuccessfully to work with the dealership to finalize the payoff on the old car. On XX/XX/XXXX, I contacted BMW to request help. Response on XX/XX/XXXX below. 

Since that time I now have the new car loan and the old car loan on my credit report. In addition, I do not have possession of the old car and canceled the insurance. At this time, I am concerned I am also responsible should anything occur on the car. 

I have communicated with the dealership the concerns to which the dealer has indicated it is due to a cross state transaction. This is not acceptable and I am now forced to make two car payments so as not to impact my credit score.

The response was : BMW Representative Financing Account : XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX Dear XXXX XXXX : Thank you for contacting BMW Financial Services regarding your account. We are happy to assist you. 

We apologize for any inconvenience. We do not see your payoff has been received yet for this account. We recommend to allow 7 to 10 business day for your payoff to be received and for your account to be terminated. 

We are committed to providing you with the highest level of service. If you have any further questions, please respond to this message or consult a Customer Service Advocate at ( XXXX ) XXXX, Monday through Thursday from XXXX XXXX. to XXXX XXXX  ET, and Friday from XXXX XXXX to XXXX XXXX ET. 

Sincerely yours, BMW Financial Services NA , LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Experian Information Solutions Inc.
State: MD
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:
All consumer reporting agencies are reporting inaccurate and obviously unverifiable information under two accounts on my consumer report. The two accounts being reported with inaccuracies are for XXXX XXXX XXXX as the names listed on each account is " XXXX XXXX XXXX '' ... this is NOT my name. As such, all consumer reporting agencies are reporting inaccurate and obviously unverifiable information in connection to an alleged debt. Because inaccurate and obviously unverifiable information is being furnished, per consumer reporting law 15 USC 1681i ( 5 ) " an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. ''

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 2021-09-16
Company: The DeGrasse Law Firm, P.C.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a letter from an Attorney on behalf of XXXX XXXX. That is clearly a violation of 15 USC 1692e ( 3 ).

A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. 

This is just going to far and XXXX XXXX is becoming a nuisance. I will be filing for default judgement soon as I have all the evidence. Also XXXX XXXX statedbthey would have XXXX attempt to help collect the debt below. That is also another violation of 15 Usc 1692e ( 14 ) ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. 

Also XXXX XXXX keeps saying they have validated the debt. All they did was send statements, that is not proper debt validation pursuant to 15 USC 1692g and they never mentioned who the original creditor is which was the consumer.

Pursuant to 15 USC 1611 & 15 USC 1640, XXXX XXXX has civil liabilities and can be held criminally liable. 

XXXX XXXX has now incurred over 20 various violations and now this case is now eligible for district court. Will be in contact with the US AG XXXX 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 2019-05-05
Company: U.S. BANCORP
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
XX/XX/2019 - responsible for $ XXXX+ on a {$54000.00} priced car in lot I have called XXXX XXXX Ohio every business day for resolution. 

Ive called XXXX XXXX corporate documented everything. 

I called Us Bank ( new bank ) I called XXXX XXXX bank XX/XX/2019 informed of my car on dealers lot for sale and they said they have my loan not paid and they own title of car Dealership XXXX XXXX Ohio lied to me about warranty manufacturer XXXX which doesnt exist. When I called corporate they informed me my warranty was much less at XXXX. 

Dealership lied to me saying my car trade was wrecked. False information. I checked XXXX when I saw my car for sale on a dealers lot XX/XX/2019 and it states no accidents. 

I was lied several times for a sales deal. 

Unethical business practices and I should not be responsible for a contract signed with false representation and false information to instill fear in me to get back home safe.

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