BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-09
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
FREEDOM MORTGAGE.We started a claim with our insurance company due to vandalism of our property. They issued the check without any delay, however, it had to be endorsed by Freedom Mortgage as well. We understand. HOWEVER, FM delayed the reimbursement by 3 months, for various reasons. Our house was under repair, and we had to pay out of pocket while we waited for them to process our claim check. During final inspection of the property, we scheduled with two separate inspectors, and they never showed up. Every time we called for status update, no one seemed to know the hold up, we experienced horrible customer service. We felt everything was done with intention to foreclose the home, we couldn't afford both the mortgage and the repair costs, because our insurance check never came through on time.

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 2021-09-02
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone I do not know hacked my computer and made fraudulent charges on my account amounting to {$12000.00} and was made on XX/XX/2013

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-04
Company: AFNI INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am trying to repair my credit after identity theft. I have XXXX XXXX and noticed this company AFNI was placed in collections for XXXX as of XX/XX/2018. I have never had a relationship, contract or any service with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Ocwen Mortgage.

I refinanced my loan in XX/XX/XXXX with Ocwen. It was a refi which my assumption was through the government, at least thats what they lead me to believe.

I was in a subprime loan ( don't ask me how that happen but it was a family friend who said " He Was Going To Help Me Out ''.

I had put down over {$100000.00} on the home and trusted my brothers friend, that he was doing something good for me.

I did get a refi loan for 2 % fixed till XX/XX/XXXX which was great because from Ocwen and was led to believe that there was no balloon payments near the end of that loan.

I even file a complaint with your bureau during that time because they would not give me a straight answer.

You guys got involved during that time XX/XX/XXXX, and the end result was and your bureau and my wife and I concluded, that there was no " balloon '' payment on the maturity of the loan.

I am finding out that this may not be true, yet all the paper work I have from Ocwen does not mention in any way shape or form anything about a balloon payment whatsoever, and when I question my account manager XXXX XXXX, he told me several times that there was no balloon payment.

I never missed a payment with my mortgage not once till reps a Ocwen told me in order to refi and get this government back refi so I did, got the loan and though everything was good.

2 % fixed till XX/XX/XXXX sounded great, but now that I believe that there is a balloon payment it does not sound so good.

Can you help me once again.

Thanks 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 2015-03-30
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
XXXX has violated Usury laws by charging 13.75 % on a private loan. They then sold my loan to AES and the rate remains the same, not lower. The loan total was taken out at {$10000.00} and now has reached {$12000.00}. I have paid {$12000.00} in interest and yet my loan is now at {$12000.00}. I want this loan discharged, as the interest rates violate the California XXXX rate of no more than 10 %. This loan is virtually impossible to pay with the high interest rates. On top of that, the XXXX XXXX XXXX California - XXXX XXXX put me through unethical sales tactics through their financial aid department to take out this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I need to know how you verified the items on my credit bureau? How did you investigate it?

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 2020-07-01
Company: EQUIFAX, 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:
I was made aware of four accounts on my credit report that were opened in my name without my permission. The reason I even checked my credit report today XX/XX/2020 is because I was planning on applying for a personal loan. The accounts were opened with these companies. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I do not have any relationship, written contract or agreement with any of these companies nor did I benefit anything from the accounts that were opened with these companies such as money, goods, services or any other benefit and I did not take part in any purchases or payments that might have been made towards these accounts. have no idea who is responsible for opening these accounts in my name without my authorization but I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau. I have filed this report to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Equifax customer service would not help and take care of the negative inquiries reporting to my credit report want Equifax to delete those credit inquiries off my credit report except my.The other 8 inquires must be removed/deleted. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX   XXXX XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XXXX   XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: Experian Information Solutions Inc.
State: NJ
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:
I been checking my credit and I have found some late payments in my XXXX XXXX account # XXXX, under FCRA,15 U.S.C 1681 I'm requesting the physical proof of these late items with according with FCRA you should have on file in order to provide one hundred percent accuracy on these report.

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 2021-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Hi I sent a 30 days to comply letter to all three credit bureaus and its been longer than 30 days and They still havent got back to me to verify the account in question

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 2020-07-04
Company: JPMORGAN CHASE & CO.
State: TX
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:
I have paid down these accounts XXXX I have disputed all of them on XXXX, XXXX XXXX has updated, but did not reflect on the other two credit bureaus. 

XXXX  XXXX reported balance is XXXX actual balance is XXXX XXXX reported balance is XXXX actual balance is XXXX Chase reported balance is XXXX actual balance is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My lease with the apartment complex XXXX XXXX ended on XX/XX/XXXX. I received a final statement through email and regular mail. It said I had 10 days from notice to pay the amount of {$170.00}. Which I went in and paid on XX/XX/XXXX. I have a money order receipt signed by them stating that I was paying my final statement in full. But now it has come to my attention that I have an account in collections that is demanding said amount when it has ready been paid for. Not to mention that upon further inspection i have realized that i was over charged. The bill stated that my lease ended on XX/XX/XXXX which let them charge me extra for staying until XX/XX/XXXX. Which is not accurate given I signed a 13month lease concluding on XX/XX/XXXX. It also stated that my reason for moving out was " money problems ''. In the whole 13months I lived there I missed paying on time once and that was a time mismanagement on my part. I did informed them when they asked what my rent would be at the new complex, that it would be about {$300.00} cheaper. I don't believe that wanting to save money is a reason to be considered as someone who has " money problems ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent 4 letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 all certified mail. 
According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through physical verification of the original signed consumer contract - any and all accounts you post on a credit report. otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my signature on it ) you have on file of these accounts listed below. Your fail to positively verify these accounts has hurt my ability to obtain credit. Under FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Verify or remove accounts listed below. Thank You for your prompt assistance in this matter. 
XXXX XXXX XXXX ...., XXXX XXXX bank XXXX ...., XXXX bank XXXX ...., XXXX XXXX bank XXXX ... .., XXXX 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 2021-06-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021 I called Portfolio Recovery Associates, LLC and spoke with XXXX XXXX XXXX regarding the settlement of an old debt they purchased from XXXX  regarding my XXXX card. They offered to settle the debt in full and delete the tradeline from XXXX, XXXX, and XXXX  in exchange for a payment of {$1700.00}. That very day I obtained the funds and sent them via XXXX  overnight delivery service. XXXX  was delay by one day so they received the funds on XX/XX/2021. Instead of deleting the tradelines from XXXX, XXXX, and XXXX  they updated each bureau with incorrect information. XXXX  was advised the debt had been settled, however they did not delete the tradeline. XXXX  and XXXX  were advised I paid {$1700.00}, but still owed {$1000.00} and of course, the tradelines were not deleted. Portfolio Recovery put in writing this obligation would be settled and removed from all three bureaus which they have failed to do. Attached are copies of the settlement letter, XXXX  tracking, and copies of the certified USPS money orders I sent them. Please promptly inform Portfolio Recovery Services to remove these this obligation from my tradelines with XXXX, XXXX, and XXXX  as agreed to or I will seek legal counsel and sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
There are two credit checks on my report to chase bank that I did not request. 
XX/XX/2017 XX/XX/2017 I dont know what other info you need to research, but chase just brushed me off. I just want them off my report. 

Please help. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2013 I was having problems with mortgage payments to Bank of America who had recently purchased my mortgage from COUNTRYWIDE. A letter was sent to me with a statement " Amount of DEBT DISCHARGED " in the amount of {$50000.00}. At around that time I had talked to an attorney who suggested that I filed bankruptcy, I had agreed and went with him to Bankruptcy Court to file the papers. While at the court I changed my mind and did not want to continue filing. My attorney agreed with me and I left without filing the papers.

My mortgage statements for the past year has been showing Non-interest bearing principal balance {$50000.00} every month.This amount is added to my Principal monthly. I have a copy of the letter showing DEBT DISCHARGE. I am also told that a Bankruptcy is s Please hown on my files with B of A. Please investigate 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 monetary relief
Consumer complaint received 2018-06-22
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I spoke with XXXX at XXXX in regards to an incorrect debt from XXXX XXXX. I explained to her that I went to XXXX and they advised me they have no debt for me from XX/XX/XXXX as she had stated. I asked her to send me a copy of the billing information and she stated they do not have a bill, but they only had the amount and date that was sent over by XXXX. I informed her that I spoke with XXXX several times and received a print out of an account that I had which was closed in XX/XX/XXXX. I asked her again for the copy of the bill and she stated she could not send me one because they do not have one. 

XX/XX/XXXX, I mailed them a certified letter requesting validation of debt. They replied with a letter stating this was a frivolous request. The letter did not come from XXXX but a company called Resurgent. They sent me the exact same debt collection letter XXXX sent me, just on a different letter head. I have disputed this with the credit bureaus as well and they report the debt has been verified, but it had not been verified to me. XXXX could not produce proof of the debt and their representative, XXXX, verbally stated it as well. She would not provide her last name to me or an extension number. She stated I am the only XXXX in this office. 

In addition, in XX/XX/XXXX I lived on property as a site manager. I did not have the need for any of these types of services as they were provided by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
i sent a certified letter to XXXX XXXX disputing the chargeoff and lates and they responded back to me in a letter stating they DO NOT have any info on me becuase they sold the old account. i sent a copy of the letter and disputing to equifax to delete this account because they can not verify it. equifax ignored the letter and stated it was verified, i asked about how they verified it, they said through electronicly. i told them i wanted it to be removed for they can not report info on me if they dont have it. they claimed they can not do that and they are referring me back to XXXX XXXX. THEY keep passing the buck back in forth. I WANT THIS INACCURATE UNVERIFIABLE info off my credit report PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
On XX/XX/2018 I reported a fraudulent charge of {$480.00} to Capital One, my credit card company. The company has since issued three adjustments ( debits ) of {$480.00} and three adjustments ( credits ) of {$480.00}. The original fraudulent charge was not reversed. I have spoken with several reps. in the Fraud Department, left messages which were not returned ( XXXX ) and sent two letters, dated XX/XX/XXXX and XX/XX/XXXX disputing the {$480.00} debit. I sent the XX/XX/XXXX letter with copy to the corporate CEO for which I received a postal certified receipt. I have not heard since.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-08
Company: Grain Technology, Inc.
State: AL
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:
I have been trying to change my bank ( XXXX XXXX XXXX  ) with grain to my new bank ; which has closed down. Grain gives no option to pay with another checking account, which caused me not to be able to pay my bill to lower my statement credit for the month of XXXX. I need this fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have had a checking account at Chase bank for 3 years. I have been a good customer. Never overdrafts. On XX/XX/2021 I deposited a check for {$22000.00}. The clerk informed me within 5 seconds of me handing her the check that it was going to be put on hold for 10 days. She or anybody at the bank did not give me any explanation. As I understand it, that is not legal or policy. I have called Chase 4 times on XX/XX/2021 and got nowhere. They just put me off to another department. 
I also want to file a XXXX discrimination complaint against Chase. It seems that anybody with a XXXX name in Texas is an ilegal alien or a drug dealer. That is the treatment I received. I happen to be a XXXX  for XXXX  years and a USA CITIZEN for all my XXXX  years of life. I was born American and proud of it. Of course Im closing my account at Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
Inaccurate bankruptcy information is reporting on my credit file. Please see the attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I received in the mail from Equifax a letter with two addresses for me. Both were incorrect. One address I never lived at and the other had an apartment number associated with it ( I live in a single home ). I contacted Equifax via email and was instructed to call during business hours. The first agent was very difficult to understand as English was a second language. After an hour of proving who I was, the agent would not accept my correction for my address. The agent 's requirement was to provide several forms of proof in documented format faxed to them. I could not understand all of the requirements because of the agent 's English. I requested to speak to the supervisor and verbally we agreed to update my address. I do not have proof that it was completed.

I am dismayed that the only two addresses that Equifax had proposed to me were both incorrect. I can not imagine what other information is incorrect in my report. I currently have a credit freeze on my credit report because my account information was part of the Equifax data breech.

I hope others do not experience the same level of misinformation and reluctance to correct.

Company response to consumer: Closed with explanation