BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-30
Company: JPMORGAN CHASE & CO.
State: NY
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:
Dear Officer, My Chase Business Visa account was for over 10 years in excellent standing, without late payments and always paid in full. Recently I become a victim of investment fraud and on my XXXX XXXX card was accumulated significant debt. As the result, I necessitated filing a bankruptcy on XX/XX/2018. Again, on a moment of filing bankruptcy, my Chase account was completely paid off. After filing bankruptcy all my credit cards accounts were closed, including Chase business account. On this business card was accumulated {$150.00} of cash back rewards money and I promptly contacted Chase and ask to transfer this money to my checking account. My request was denied. Chase representative told that my cash back money becomes forfeited due to my bankruptcy according to credit card terms and conditions. I understand this policy if a card has debt. Hoverer, again, my card was paid off and Chase did not lose its money because of my bankruptcy. However, Chase took mine money instead! I see that Chase policy if it blindly and straightforward applies, discriminates accounts in good standing prior bankruptcy like it has happened in my case. 
I disagree with Chase decision and request to refund my cashback bonus

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: EQUIFAX, 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:
To Whom It May Concern, Account Number : # XXXX / XXXX XXXX I have mail several documents requesting validation of XXXX XXXX requesting the following information : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Prove the Statute of Limitations has not expired on this account : I have not received anything from XXXX XXXX  referencing i have a debt instrument with them. Per the Federal Trade Commission ( FTC ), XXXX XXXX is NOT following guidelines of what constitutes proper debt validation. I have NO contract with XXXX XXXX, I am not obligated to buy for the alleged debt. XXXX XXXX is the reporting inaccurate information on my credit report.

Im planning to apply for a VA mortgage loan, and XXXX XXXX  account is negatively impacting my ability to qualify.

Thank you for your attention, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I tried to call US Asset Management and was unable to verify this so-called debt. I received THREE notices at the same address within the past week, one that I've never lived at. This is where my parents live! This is definitely a scam, as I've paid XXXX on time for years and years. Do not fall for this one. They claim I owe {$48.00} and give me all these account numbers and information, but I looked online and see there are others receiving this kind of notice for varying amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: National Credit Adjusters, LLC
State: NC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I took the loan out in XX/XX/XXXX to help start a XXXX XXXX  position and immediately following, I was rushed to the hospital with barely a XXXX. I was in the hospital for days and was XXXX  for the remainder of the year. They started reaching out during the spring XXXX to collect and I explained everything that happened. I was going to pay as soon as I was able to return to work. It was transferred to National Credit Adjusters and I spoke with a representative about payment and deletion of this negative information in XX/XX/XXXX. It has been months since I paid it off but it dropped my credit score to XXXX from XXXX. I am trying to buy my home back after doing a quick sale when I was getting separated in XXXX. The man who bought it, was aware of my situation and how my husband stopped paying the mortgage out of spite, and he did so with the intention of selling it back to me once I returned to work and became financially independent. I cant get anywhere with NCA and I paid it off and closed the account but they didnt delete it. All of my payment history in the past 20 months has been on time since recovering from my hospitalization and I am not getting anywhere with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Ocwen Financial Corporation
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Before pursuing a lawsuit, I have decided to let you pursue the issue. The mortgage on my property was paid in full in XXXX of XXXX. As of this writing ( date : XX/XX/XXXX ) there has been no reply from PHH Mortgage to send the " paid in full '' loan documents to me, as required by the original contract. They have " THUMBED THEIR NOSES '' at me, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX County Clerk, title company, etc. PHH Mortgage is a solid FFFF with the XXXX XXXX XXXX, so I have not bothered to contact them for help. 
PHH Mortgage IS responsible for returning the ORIGINAL DOCUMENTS!!! They purchased the loan from the credit union, without my consent. I spent nearly 30 years paying off the mortgage, now I am demanding what I agreed too when the loan documents were originated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: MidAmerica Mortgage Inc
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX of XXXX, there was a report from Mid America Mortgage saying that I had a late payment in XXXX of XXXX. I had made sure to provide a copy of my bank statement that the money was indeed given to them on time. As it turned out the department that handles the processing of money seemed to have some oversight in processing my check. In XXXX of XXXX, I had another lender look at my finances in order to purchase another home. They noticed that there was still a delinquency note on my credit history. Since then I have been calling Mid America Mortgage to get it resolved only being told that they would escalate the problem to management and that they would get back to me in a few business days. It wasn't until late XX/XX/XXXX after calling every few days or so that I was able to finally speak to a supervisor. The supervisor then said that because my complaint had not reached them before the XXXX of the month that they were going to be able to fix my credit report. Instead, they would fix it on the XXXX of XX/XX/XXXX when corrections to accounts are to be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 disputed the inaccurate reportings with TransUnion, XXXX, and XXXX several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX I never paid the following accounts late, XXXX XXXX XXXX : TransUnion is reporting no late payments, XXXX is reporting a a payment status of Current but a late payment of 30 days late in XX/XX/XXXX and XXXX is reporting no late payments, XXXX : TransUnion is reporting a payment status of Current but late payments of 30 days late in XX/XX/XXXX and XX/XX/XXXX, XXXX is reporting a payment status of Current but late payments of 30 days late in XX/XX/XXXX and XX/XX/XXXX, XXXX is reporting a payment status of Current but a late payment of 30 days late in XX/XX/XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX Account Number XXXX TransUnion is reporting an opened date of XX/XX/XXXX, XXXX is reporting an opened date of XX/XX/XXXX and XXXX is not reporting this account, XXXX Account Number XXXX TransUnion and XXXX is not reporting this account, XXXX is reporting an opened date of XX/XX/XXXX. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX and XXXX considered to be furnishers? These accounts either do not belong to me or were not paid late and TransUnion, XXXX and XXXX have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

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 2018-03-12
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX they're attempting to collect a debt for a debt of Original Creditor Name XXXX XXXX XXXX for the amount of {$140.00} which has not been verified I have asked several times for them to verify the debt several times and yet they have not verify any of the 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 explanation
Consumer complaint received 2020-05-22
Company: Professional Service Bureau
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:
On XX/XX/2020, I received a notice in the mail from Professional Service Bureau. I sent, by Certified Mail, a request for this debt collector to send me proof of the debt. The did not send this proof to me, but continued to try and collect the debt, by sending me a second letter for the debt. According to Federal law, when they received this first notice from my by Certified Mail, they should have ceased all collections for this debt until they provided and proved the debt was mine, in accordance with Federal law.

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 2020-08-25
Company: Experian Information Solutions Inc.
State: GA
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 asked Experian to look into my account for XXXX. The account is still on my credit even as it has been more than seven years. The account was opened in 2011 and it is still on my account. Can you please help them to see that this account is not suppose to be on my account and even as I live in Georgia.

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 2018-07-02
Company: HOVG, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX ADDED TO MY CREDIT REPORT THAT I OWED THEM AN AMOUNT OF WHAT I THINK IS A HOSPITAL VISIT. I DESPUETED THISON MY XXXX REPORT. AND THEY KEEP CALLING BUT I DONT ANWEAR. THEY CALL ME WHILE I WAS WORKING AND ANWEAR THE GUY WAS PREATTY MUCH TRYING FOR ME TO VERYFIED AND I ASKED HIM WHERE HE WAS CALLING FROM AND AT FIRST IT SEEM LIKE HE WAS REFUSING TO VERYFIED HE KEEP SAYING IT WAS AN IMPORTANT MATTER. THEY I TOLD HIM YEAH YOU GUY ADDED SOMETHING TO MY CREDIT AND HE SAID YES. AND HUG UP. I CALLED BACK AND THEY TRASNFER ME BACK TO HIM AND I ASK HIM WHY HE HUNG UP HE SAID YEAH WAIT I ASK HIM WHY WAS HE CHARCHING ME FOR SOMETHING THAT DID NOT HAVE MY NAME. HE SAID HE WOULD LETE ME TALK TO SUPERVISOR. HE PREATTY MUCH DID NOT KNOW WHAT TO SAY. SUPERVISOR CAME ON THE PHONE AND HE WAS RUDE SO I WAS RUDE BACK I ASK IF HE HAD PROOF HE SAID HE HAD SEND IT BACK IN XX/XX/2017. AGAIN THIS DEBT JUST SHOW UP ON MY CREDIT ABOUT 3 DAY FORM THE DAY OF THIS COMPLAIN. HE KEEP SAYING THAT I DID OWED THAT MONEY AND I KEEP TELLING HIM THAST HE HAD NO PROOF WE STARED SCREEMEING BACK AND FOWARD AND I DECIDED TO HUNG UP. IT WAS POINTLESS. 

BOTTOM LINE I DO NOT OWD THIS DEBT I NEVER BEEN TO THE HOSPITAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Unverified late payments listed on my XXXX XXXX Student loan - I was still in school and payments should have been deferred but the loan was sold. I was not late! I was in school!!

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 2018-03-12
Company: Big Picture Loans, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a loan with Big Picture Loan on XX/XX/XXXX for {$870.00}. My goal was to pay it off in one payment, however, it did not work. So I called ( XXXX ) XXXX and talk to a represented to find out my options. I was not told that the interes5t would be compound daily, also it was not in the disclosure. I was able to make the payments on time until Big Picture loan started to debit my account before my Social Security Check got to the bank. Therefore, I stop payment to keep the bank from charging me fees. Additionally, my husband had to get a loan with them to for XXXX. They wanted to charged him {$32000.00}. for duration of the loan. So again they would attempt to take the money out of the account. Moreover, to pay his loan, I paid {$1100.00}. through my debit card. On XX/XX/XXXX, I attempted on six occasion to pay the last payment of {$360.00}. Nevertheless, it would not go through, and it showed up on my bank statement as a foreign transactions. Then I asked if I could send a money order to them, the representative wanted to do a debit knowing it would not go through just to continue with the daily int. Finally, the interest is way over the amount of what was borrow, and the harassment is awful. I did make the attempt to pay the final payment but that compound daily interest is not what I agreed too.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: National Default Servicing Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
National Default Servicing Corporation ( NDSC ) has contacted me outside of their role as Trustee and made multiple contacts via written correspondence, visits to my private residence, and by telephone relating to the XX/XX/XXXXTrust Deed between myself and XXXX XXXX XXXX XXXX XXXX 

NDSC did not become the Trustee until XX/XX/XXXX when the Substitution of Trustee was recorded in XXXX XXXX County where the property resides. Their first contact was made in XX/XX/XXXX and made the knowingly false representation ( or NDSC should have known the representation was untrue at the time they made it in writing ) of being hire by XXXX XXXX XXXXXXXX to begin foreclosure processes on a delinquent mortgage debt. While steps may have begun to make NDSC the newly substituted trustee, NDSC did not become the Substituted Trustee until the proper document was recorded on XX/XX/XXXX. Therefore, any representation as to the substituted trustee made by NDSC prior to the recorded document date is a willful misrepresentation on their part. 

Resolutions at this point must include an admission of fault and/or wrong-doing in writing addressed to me and XXXX XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: Associated Credit Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I was recently send a notice of collection, that even if owed has long surpassed the six year legal timeline where is could be collected in the Commonwealth of Massachusetts. The collection agency, Associated Credit Services , Inc. had to pick up my personal information from a debt pool of file. This process of farming out openly a persons personal information with a threat of taking either legal action or an action to ruin a person 's credit report is highly illegal, and against the Fair Debt Collection Practices Act. I demand a permanent deletion of my information immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: AMERICAN EXPRESS COMPANY
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Greetings, Attached please find the support documentation for my case against American Express. I have included the individual charges and all communication I received once my initial dispute was filed with AMEX. I have also included online news articles from multiple reputable sources covering the disappearance of our caterer. 

Our caterer ( called XXXX XXXX ) charged us a total of four times for catering services scheduled to be rendered at our wedding on XX/XX/XXXX. In XX/XX/XXXX we received word from our venue that the owner of XXXX XXXX had closed the business and taken all of the funds we had paid ( The owner is still on the run and can not be held responsible until brought to justice ). When this information was presented to American Express, they initially granted us a refund and later took it back because we gave the business permission to charge the account. While true, we authorized the company to charge in anticipation of services rendered. We were not rendered the services promised and our money was taken. This breach of contract is a clear case of fraud. 

Please be in touch if there is any additional information we can provide. We have filed this complaint with the Comptroller of Currency and they have redirected us to you. 

Thank you for your time. 
Best wishes, XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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've seen no changes for the accounts that I have filed last month, I still see multiple 30-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2018-10-07
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am widow. According to Minnesota Law title of the primary residence has been transferred to me as a surviving joint tenant. Lender advised that I qualified for a loan modification and offered me to go through the loan modification and assumprion processes to assume the loan. I have submitted all requested documents to the Lender. The reception of all received documentation has been review and confirmed by Relationship Manager. According to the Relationship Manager assigned to the file my income has been approved and I was advised on proposed modified monthly mortgage payment amount. Suddenly, Lender ignored the Interior Appraisal done by certified appraiser hired by the same Lender itself and instead making decision in 30-45 days period, Lender is keep asking for the same information multiple times and ignoring the fact that all documents have been submitted and made the appraisal expired. In addition to that the Relationship Manager on the file was very confused with all what is happening and keep appologizing but he was removed from the file. I still have a hope that all of the above is the accidental issue due to the Bayview Loan Servicing internal reorganization process and not staged circumstances to victimize me as widow and foreclose on my primary residence. I just received the pre foreclosure notification from the Lender for my home. I am asking to help me work with my Lender, Bayview Loan Servicing, to complete the loan modification and assumption processes and avoid a foreclosure. I doesn't feel right and still hard to believe when Lender might use the circumstances like " loosing my husband ', which is hard enough by itself, and making the process so stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
XXXX XXXX i was never served with papers on this debt for court and the debt has never been prove to me in acordence to FCRA and all three are listing this debt incorrect i want this full debt on all three removed asap i am a XXXX vet frighting with them for going on two years please help thank you

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 2021-01-20
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A fraudulent account was in process of being opened in my name and PNC Bank has not given me written notice that the account is closed, inactive, and will never appear on my credit report. I sent an FTC Identity Theft letter and never received any response.

Company response to consumer: Closed with explanation