BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
XX/XX/XXXX, we have contacted Chase at the auto service line XXXX, had numerous conversations with customer specialist to obtain duplicate copy of the title for our paid off auto loan from XX/XX/XXXX. Without the pink slip/title, we are unable to sell or get rid of the car. There were so many back and forth with the customer service line, them telling us one thing after another, and nothing really being resolved. They kept mentioning about California State being complicating and finally gave me a name. With that, Chase representative told us to fax the request and we did to the specific fax line on XXXX/XXXX/XXXX and have never heard anything back. 
We now have a ticket from the police to fix the license plate for the car, but we are stuck because we can not get the plate ordered through the DMV due to pending of this title. Chase needs to provide the pink slip or the release of title. They have failed to follow through on numerous occasion. Even though this is a closed account/loan, they have the responsibility to provide all the necessary documents to release the the title and resolve this with DMV ( department of motor vehicle ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
ON XX/XX/2020, I, when online to inquire about the interest rate, to see if it was a good idea to refinance when Mr. XXXX XXXX, chated with me only and asked for some basic information and told me what rate was and I told him to run some number for me before I knew and without he pulls my credit and my husband credit without our permission, and he started an application for refinancing without our consent When I asked he he said that he thought he could do that I asked him when fid I told him I was going to refinance, he apologies but that does resolve the issued that they started a loan without our permission. I just received a discloser for a loan, I do not understand what this people are doing but I no interested for a mortgage. 
the lender is QUICKEN LOANS NEW LOAN NUMBER ( NO REQUESTED XXXX XXXX. AND NOW THERE IS A HIT ON OUR CREDIT AND WE HAVE RECEIVED MULTIPLE SOLISITAION FROM OTHER LENDERS AND WE DID NOT AUTHORIZE THEM TO MOVE FORWARD WITH THE LOAN THE LEDER LICENSES NO. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 contacted TransUnion on XXXX XX/XX/XXXX at XXXX and spoke with XXXX XXXX about four unauthorized inquiries. 1 ). XXXX XXXX XXXX inquired XXXX XX/XX/XXXX. 2 ). XXXX inquired XXXX XXXX XX/XX/XXXX. 3 ). XXXX inquired on XXXX XX/XX/XXXX0. 4 ). XXXX XXXX inquired on XXXX XX/XX/XXXX. She refused to submit an investigation and/or look into the matter. She also stated that only the Universal is the hard inquiry the others do not matter. I stated that they matter to me because I did not authorize not do a credit application for any of these in my name. In the future, when I have to verify my information, I won't be able to recall false information reported. She refused to do anything.

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: JPMORGAN CHASE & CO.
State: NY
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:
JPMCB CARD XXXX -This is not verified. I contacted the furnisher as you told me to do and they have either refused to provide any documentation or they are unable to provide documentation proving the claim or the accuracy. This remains inaccurate, incomplete and not verified. You are REQUIRED to delete this immediately according to FCRA Sect. 611. Please ensure this account is removed within 5 days! 
XXXX XXXX -I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 I paid off my Citizens One Home Loan. On XX/XX/2020 Citizens One Home Loans issued a Escrow refund of {$5500.00} via a check # XXXX. The check arrived in the mail XX/XX/2020 ripped in half and I was unable to deposit the half I had due to missing pieces. I contacted Citizens One to receive a callback on XX/XX/2020. Upon getting the call I was told to return what I had of the check with a letter requesting a new check. I mailed the check back on XX/XX/2020 with a letter stating the account number, the check number, and direct request to have a new check issued and requested to have a notice to my accounts secure message that the check was received. I never received any notices. On XX/XX/2020 I requested another call from. Citizens One Home mortgage to get an update on the status of the check. I also sent a secure message to customer service. During the call I was told that there were no updates on my account and no new checks were mailed. The customer service rep. said she would open another request on the account to have a new check mailed. On XX/XX/2020 I received a notice over secure messaging that my account shows that I notified Citizens one mortgage that I mailed the check on XX/XX/2020 and that a new check would be issued when they receive the old one.  Either they did not process the letter or USPS lost the return letter as it has been 20 days since I mailed the check back and it doesn't take 20 days to mail anything anymore. 

It has been 41 days since I paid off my loan. Citizens One Home Mortgage is still holding my escrow hostage and I believe this is in violation of RESPA 1024.34 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Grant & Weber
State: FL
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:
I filed a dispute regarding the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2020-07-05
Company: AVANTE
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There are 2 medical collection accounts that were placed on my credit report as of XX/XX/2020. These items were placed on my report without due process ... process to include being notified and given the opportunity to request validation of the alleged debt. 

They allowed me the legal right to request or dispute this information, they just ruined my credit instead. Which is highly embarrassing. I am very distressed that an agency would have included this derogatory information in my credit profile due to its damaging effects.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: CITIBANK, N.A.
State: MO
Product: Credit card
Issue: Billing disputes

Complaint:
under XXXX has charged me {$88.00} for nothing provided to me.Theybill it as a rewards benefit -- various fees etc.First bill was for XXXX the next for XXXX which incuded {$16.00} for a r4eturned item. I requestted them to cancel my card -- instead they are piling late fees and have ruined my credit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Chapter XXXX Bankruptcy filed and XXXX in XXXX Chase has been pursuing the debt from XXXX to XXXX Chase even mentioned about granting a loan mod Chase never showed up at creditor 's hearing Chase never contacted or reaffirmed debt Chase has been misleading me for all these years thinking I could lose my home I've tried everything

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Experian Information Solutions Inc.
State: MD
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:
XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following information is outdated. I would like it removed from my credit history report XXXX Account Number : XXXX Please remove it from my credit report.

2. The following information is outdated. I would like it removed from my credit history report XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
3. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

4. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

5. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

6. The following personal information is incorrect Account Number : Current Employer : XXXX XXXX XXXX 00 By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in 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 2022-08-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00}, XXXX  XXXX Date Opened XXXX XX/XX/XXXX Balance : {$1.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX a account was opened up at Conns under my name. I have repeatedly gone thru all of this with Conns and the credit reporting agencies. It was part of ID theft. Conns has refused to let it go. As of today XX/XX/XXXX the debt is sitting fresh only 10 days old in the office of connstar. Conns collection agency. Conns is reporting the debt fresh on my credit report every other month and keep submitting back and forth to the in house collection agency. Therefore they can keep the debt fresh and able to report it. 
Under Texas state law you only have a 4 year statue of limitation to collect on unsecure debt or credit cards. So as a default this account automatically should be removed as of XX/XX/XXXX. I have attached all my documents including Police report and recordings of proof that it is in the in house collection agencies office. The collection agency gave me a email to use but email doesnt exist. This has been a problem over 4 years now. And they only have a invoice which is not my signature. In fact I wasnt even in town at the time I was in Nebraska for the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 a loan with XXXX XXXX, XXXX XXXX, and CAPITAL ONE. I have always made my payments on time. As you can see,  I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, and CAPITAL ONE with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have contacted Navient several times and they will NOT honor the postponed due dates as noted in the email. They are confusing the one month deferment provided to all customers and rate reduction program I was in. They will not current the problem. They are misrepresenting what they should be honoring.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: EQUIFAX, INC.
State: IL
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:
Credit bureau is in direct violation of GRAMM- LEACH BRILEY ACT, 49 CFR 801.56, FCRA , FDCPA and various consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-03
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I originally disputed this on XX/XX/2016 case number : XXXX and no resolution. It 's been reporting on my reports stating reinvestigation since then. Now the same credit card is showing up as a collection account on all XXXX bureaus. It is now listed as Midland credit management. I submitted a copy of my identity theft affidavit with police reports. This is really affecting my livelihood and also my children 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a been a Bank of America customer for well over a decade. Today I received a letter in the mail stating that my credit card, which I used as a backup emergency card for overdraft, was canceled. The reasons given were 'inactivity on this account, current or past delinquency, derogatory public records, and/or collection accounts, utilization of your credit is too high '. 

This is offensive on so many levels, especially considering I have been a customer in good standing with them for over a decade, I haven't used the card in a long time, and I have recently been laid off.

My credit score has dropped recently but nothing dramatic, XXXX. This will only hurt me, not help me. It gives me no agency, and will only worsen my score and my debt to credit utilization. This is such an incredibly unfair adjustment to my life without me having any say in the 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 2022-08-09
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
On XX/XX/2020 I was a victim to a crime. I was drove by the suspect to XXXX bank and the suspect forced me to go open a loan and to give them the funds after it was done. I then waited to file the police report due to my safety but then I found out that he was locked up due to other charges, so I pressed charges as well. Law enforcement added on these charges to the suspects file. Im in the process now of retrieving my police report. I want yall to note that this happened and it was totally out of my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: EQUIFAX, INC.
State: AZ
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: Ocwen Financial Corporation
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted PHH Mortgage to do a refinance of my mortgage. After collecting some information from me about my mortgage, PHH mortgage specialist XXXX told me she could lower my interest rate. The rate would change from 5 percent to 2.75 percent. Then she proceeded to tell me that I had a modification on my current mortgage that extended the terms of my loan to 40 years. So if she proceeded with the refi to lower interest rate from 5 percent to 2.75 percent, my mortgage would only decrease by XXXX dollars. I then contacted PHH mortgage and spoke with another person who told me I only had 15 years left on my mortgage. PHH refuses to allow me to lower my interest rate, I wonder how many other minorities loan holder are treated this way, I spoke with mortgage company on XXXX or XXXX XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Aargon Agency, 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:
XXXX-current {$2200.00} I have requested verifiable proof from this company showing that I am liable to them for the debt they continuously post on my credit report as delinquent. I have disputed this account through each of the credit bureaus. It has been removed from my XXXX  report but remains on the other two reports. I also sent a letter to ( XXXX XXXX XXXX, XXXX XXXX, NV XXXX ) the company XX/XX/2020 again attempting to have them solidify the debt as being mine and that I specifically owed them. They have two different addresses listed to reach them. One of the letters I sent  was returned even though I sent it to the address they are reporting on my credit report under. I sent another letter on XX/XX/2020 requesting the same information to another address ( XXXX XXXX XXXX XXXX, XXXX XXXX, NV. XXXX ) and it was received by the company. I have yet to receive a response from this company and the debt remains on my credit profile. I have attached a copy of the letters I sent to dispute this debt with them.

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: Experian Information Solutions Inc.
State: MD
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:
This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

Please refer to my previous letter for the information that needs to be re-investigated.

1. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX   Account Number : XXXX Please remove it from my credit report.

2. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

3. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

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