BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was not approved for two loan modification requests. Chase would not accept the income from my tenants who payed me in cash, even though the tenants agreed to sign a notarized statement confirming the payments they made. 
CHASE also said I was not on the loan documentation, but I did sign the original loan documents ( not the line of credit ) and therefore I was not eligible for Modification help. 
Due to being ineligible for help, I listed my house for sale and sent CHASE the agreement to purchase and escrow papers on XX/XX/2018. I kept in touch with CHASE Representative, XXXX XXXX and informed her of the sale progress. 
XX/XX/2018- I receive a call from CHASE represantaive XXXX XXXX informing me CHASE is still researching my request for waived late fees on my loan due to their delays in processing the modification request. We discuss, as we had in past calls, that the house is in escrow, scheduled to close XX/XX/2018. 
XX/XX/3018- I receive a letter from CHASE thanking me for my request for a short sale. I NEVER requested an application or information pertaining to a short sale! I have equity in my house and would not qualify for a short sale! 
XX/XX/2018- I receive a second letter from CHASE stating they have filed a foreclosure and I owe them filing and attorney fees!!!! 
I have equity in my house, enough to cover my missed payments and they are starting a foreclosure on a house in escrow scheduled to close XX/XX/2018! 
I have borrowed money to do costly repairs to my house to assure escrow closes. I have removed asbestos, done septic inspection and pumping, scheduled termite repair and tentin/ fumigation. My tenants have moved, with the exception of two. 
I have started packing my belongings! Now CHASE is starting a foreclosure!!! I informed them of the sale and sent them the documentation! This is a blatant attempt to steal the equity in my home by charging attorney fees and a deceitful attempt to disrupt the sale of my home! 
Please stop these venomous acts towards a single Grandmother who has struggled and fought to stay in her house and once I was denied did everything in her power to sell the house and meet all the requirements to close the escrow in a timely manner. Do not let CHASE destroy the escrow process by foreclosing on a house in escrow!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: RSI Enterprises, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notice of attempting to collect an alleged debt to XXXX XXXX XXXX, by RSI Enterprises , Inc ; XXXX XXXX ; XXXX, A, dated XX/XX/XXXX. This letter arrived in my mailbox at the beginning of XX/XX/XXXX.

It is alleged that I owe an amount of {$10.00} resulting from an alleged service dating back to XX/XX/XXXX.

As per my attached letter to RSI, I was never told of an amount owing, nor was there an invoice furnished, nor a statement ; I am totally perplexed. 
I find it unacceptable that RSI accepts an account for collection without making any attempt to verify the validity of said account. I call this shooting in the dark. 
As it turns out, someone jumped the gun, in the meantime, and reported me to the credit bureaus. I found out today, that my FICO score of XXXX was ducked by three points down to XXXX ( XXXX ) and XXXX ( XXXX, account 28 years and NEVER been late ), respectively. All that without any communications whatsoever beforehand. Shameful conduct. 
Why companies like XXXX XXXX, for example, do not advise their clients before the procedure that there is a co- payment, is totally unclear to me. The way it is now, seemingly, is that a third party ( the provider ) makes a contract with XXXX and the client pays, even though there might not be a contract at all. XXXX XXXX could charge whatever they like and then demand payment, or else. It's almost like giving them a password to one 's bank account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Account sold or transferred to another company

Complaint:
On XX/XX/XXXX, I opened an account with Capital One. The account was last updated on XX/XX/XXXX. I got a derogatory remark on my XXXX  Credit Report, XXXX, and XXXX. I filed a dispute for both XXXX and XXXX a year ago and had this account successfully resolved for both credit bureaus. This account still shows a derogatory remark on my XXXX Credit Report. I would like to address this immediately, either pay off this debt or get this negative remark removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
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:
XXXX and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2019-09-06
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax after several attempts to get a complete credit report. Equifax sends few pages all mixed up. they will not send a complete report with all the pages they send pages missing and not a full report. Skipping pages and sometimes 3 pages other times 1 or 4 pages. ( I did not request a credit score ) I requested a full detail credit report from Equifax.On XXXX XXXX there claim is on there letter is no current file, no recent credit applied for, no credit in last 10 years just some excuse of there error after error and not sending the full report as requested several times. nothing but the run around with Equifax. I have also filed with the US Attorney office consumer issues. 
My name is XXXX XXXX not ( XXXX XXXX ) as you keep adding a ( XXXX  ) to XXXX you have my social date of birth as well as my name spelled out stop playing games with my name and error after

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, Coinbase disabled the trading of my account. My account was a fully verified account : legal ID and SSN were provided to Coinbase as  required in XXXX. No communication or notification was given to me by Coinbase in any form about why the trading ability was disabled. All " Good till Cancel '' limit orders were also removed without any form of notification by Coinbase. 

On XX/XX/XXXX, I contacted the customer service and they stated they can not provide any reason as in why my account trading was disabled and why all the orders were removed. They also stated they could not provide any estimation of when I can receive a follow up of the problem investigation, not to mention when can the problem be resolved. An escalated support case was raised and case number is XXXX. I was told to check after 2 business days however till now there is not any update about this case by Coinbase.

I am launching this official complaint with the Consumer Financial Protection Bureau about the below Coinbase/GDAX 's multiple unprofessional malpractices : 1. My account trading is disabled without any notification in any form even my identity was fully verified long time ago.

2. When contacted with Coinbase/GDAX customer support, no reason was given about why the trading is disable.

3. No estimation was given on when I can hear back on the escalated case for the problem.

4. Good till cancel order was removed without any notification nor with any explanation why.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: Convergent Resources, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid this debt as agreed. It was paid on XX/XX/XXXX. I was told an email would be sent to me confirming payment in 3-5 business days. I have not received this email as of XX/XX/XXXX ( 13 business days ). When i call regarding this i am told it will be sent and it never comes. I am told to check my spam folder, which i do several times a day, and there is still no email. I even spoke with a so called supervisor and asked if it could be mailed to me and he actually told me that it cost to much to mail out the document. I spoke with a woman today who advised that she would have the document mailed out ( Thank you mama ) but i would still like to get the email as i have a business transaction that is being held up because of 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 2018-02-20
Company: Coinbase, Inc.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I requested to buy bitcoin with coinbase. They got my information verified then requested bank transfer, I granted permission for transfer of {$2500.00}. As soon as the money was transferred ( about 3 days ), coinbase locked my account, claiming birthdate I provided indicated that I was XXXX years old. I have contacted customer support several times with the same results, lame excuses and empty promises. Customer support tells me that someone will e mail me to help resolve my problem. Its now been almost 3 months with no resulotion.They tell me dont keep contacting them or it will take longer so I havent contacted them in over a month but I dont think this approach is working either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have incorrect bill from XXXX being reported on my credit report by XXXX XXXX and XXXX. After disputing this bill before and it being deleted for non confirmation it was reinstated on my credit report and XXXX have blocked my access to file dispute online requesting that i submit mail only dispute which usually takes over thirty days. I feel XXXX has violated by consumer rights.

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 2018-11-27
Company: EQUIFAX, INC.
State: AZ
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:
Equifax verified that the accounts are mine and that they are correctly reported. However this is not the case. Simply providing me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFBP to remove the accounts XXXX XXXX XXXX XXXX which is showing multiple times and with different amounts, and XXXX XXXX as duplicate entry on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: Radius Global Solutions LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am in the process of purchasing a home. I had my credit pulled and was surprised to see a collection from XXXX XXXX XXXX  which dropped my score. I have received no phone calls or contact via US Mail to confirm this collection is mine. Due to this I did not & have not obtained the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. I would like this collection removed from my credit due to erroneous collection practices.

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 2018-05-17
Company: Torres Credit Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Torres Credit Services placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request Torres Credit Service to remove incorrect information off my credit report. More importantly, Torres Credit Services are in violation of FACTA section 623 ( A ) ( 7 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
information being reported on my consumer report that does not belong to me.

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 2018-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Transunion verified that the accounts are mine and that they are correctly reported. However this is not the case. Simply providing me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB to remove the accounts XXXX XXXX XXXX XXXX which is showing multiple times and with different amounts, and XXXX XXXX as duplicate entry on my credit 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 2021-07-13
Company: Kingston Data & Credit International Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Orchard Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have been trying to sign off my refinance loan started with Loan Monkey. Signed final closing disclosure on XX/XX/XXXX with final close date to be today XX/XX/XXXX. Reached out to the title company myself several times and they still have not received closing documents from Loan Monkey. Reached out to Loan Monkey several times wanting update on my loan and why it is taking to long for docs to be transferred to title company. Getting run around. My loan expiration date is XX/XX/XXXX at this point do not think this is going to happen. 

I will need to start loan process all over again with another lender this may cost me points and additional appraisal fees.

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 2018-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX and TransUnion decline to correct their reports ... I have contacted the creditor, and I was told that they actually informed XXXX and TransUnion of the inaccurate info ; yet they both will not remove the negative account ... and the creditor said XXXX and Transunion only recently contacted them ... However, I have disputed this account 3 or 4 times ... my rights and F.C.R.A. law is being violated ... Neither one of them will give me a document or name of so-called verifier of data, because he or she does not exist ... Yet XXXX has removed the account ... 



XXXX Date Submitted XX/XX/2018 Report Number XXXX Account Number XXXX Company 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 2021-06-07
Company: BROKER SOLUTIONS, INC.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX of 2021, I started the refinance process with XXXX XXXX at New American Funding. To date, he is replied to only 3 of my emails and answered only 4 of my calls. All others have been unanswered. I have reached out to his manager and also have been ignored. Our loan number is XXXX He pulled our case number too soon and therefore, our refinance was in limbo. Due to his error, XXXX is telling us we need to pay for the extension which we will not do since it was his error. New American Funding needs to pay for the extensions. 

I have requested to be transferred to another loan officer and my requests have been ignored. I have reported to corporate and only then has XXXX reached out to me. I have requested to corporate that they pay for our extension only to be told they need XXXX 's manager to approve who has ignored us as well. 

XXXX, his manager, and New American Funding have failed to provide adequate communication regarding our refinance and have blatantly " ghosted '' use for the past 3-4 months with minimal to no updates about the progress of our loan. 

New American needs to pay for the extension since it was their employee 's fault and to even think the customer should pay for their employee 's error is insane.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: General Motors Financial Company, Inc.
State: IN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
-- -- -- -- Original message -- -- -- -- From : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  ( XXXX ) To : XXXX Subject : Complaint RE : Acct # XXXX Dear Mr. XXXX XXXX XXXX, The year of XXXX has been an horrific year dealing with covid 19 virus, systemic racism, election and economy issues. And just when we think things could not possibly get worse, GM Financial sends us a letter with unfair and dishonest practices. 

Please allow us to explain. 

On XX/XX/XXXX, we entered into a 39th month lease agreement with GM Financial. Term was approved at 12,000 miles a year. On XX/XX/XXXX. all 39 payments were paid and the car was returned to the same dealership in which we purchased it. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX to XXXX XXXX. The mileage was noted at XXXX and we turned in 2 sets of keys. XXXX complimented how great the car looked. 

On XX/XX/XXXX, we received a condition report that reflected charges for XXXX. We did not understand this. As we reviewed the charges, the disposition fee of XXXX is what we understood to pay when the vehicle was turned in, However, in further review, we found that XXXX was for excess wear charge. Then, there is an excess mileage charge noted for XXXX. And lastly, a tax charge for XXXX. 

The XXXX is not a correct charge that included a missing key set. Please contact the dealership - XXXX XXXX will confirm that we turned in 2 key sets. This is a fact. So putting this on the report shows clearly that these charges are made up. 

The XXXX for excess mileage is also incorrect. The lease agreement signed on XX/XX/XXXX states the mileage on the vehicle when we took possession was XXXX and when the vehicle was returned the mileage was XXXX, so we drove the vehicle for 39 months and put XXXX on the vehicle. We did not go over XXXX in 39 month while leasing it. 

Lastly, we know that this is not right or fair. Our family has suffered so much this year, and we can not pay for something we do not owe. We do owe the disposition fee of XXXX as that was explained to us when releasing the vehicle. But that is all we owe. 

Sincerely, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX

Company response to consumer: Closed with explanation