BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-18
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I paid the first installment of a 7 year interest only ARM with XXXX XXXX on my home. Over 7 years the mortgage passed through 2 other institutions, the last of which was JP Morgan Chase. 

By letter dated XX/XX/XXXX, I was notified by Chase that after 84 payments, my rate would adjust from 3.125 % to 5.125 %, effective XX/XX/XXXX. 

you had a 84 month period during which your interest rate stayed the same. That period ends on XX/XX/XXXX, so on that date, your interest rate and mortgage payment change. The payment due on XX/XX/XXXX will be the first payment at the new amount. ( Letter attached. ) On XX/XX/XXXX I sent my final payment at the 3.125 % rate - {$540.00}. On XX/XX/XXXX I received a letter from Chase saying that my XXXX payment was {$350.00} short. I called Chase to tell them that I thought they were mistaken. If my first mortgage payment was in XX/XX/XXXX, then my 84th payment should have been XX/XX/XXXX 7 years later as stated in their letter to me. Twelve payments a year over 7 years is, by my calculations, 84 payments. I asked them to please send me a letter accurately stating what they were asking me for. I never heard back from them. 

In XX/XX/XXXX I refinanced my mortgage with another institution. When I got the final numbers for that closing, there was a charge to me in the amount of {$350.00}, which I discovered was the amount Chase claims I owed them for the adjusted mortgage rate in XX/XX/XXXX. I contacted Chase again and asked them to please explain to me why a 7 year term I began paying in XX/XX/XXXX would run through XX/XX/XXXX. ( I attach p. 1 of XXXX XXXX Interest Only Period Adjustable Rate Note stating my payments were to begin XX/XX/XXXX. ) I asked Chase to either explain why I was being asked to pay an additional month or to send me a new letter stating the terms accurately or at least more clearly. If Im wrong, please tell me how Im wrong. They just kept saying I was paying a month ahead. But the letter says the money was due in XXXX thats when I paid it. And I made 84 monthly payments. I asked them to please send me a letter explaining how or why they now wanted the payment in XXXX. I was told there was nobody at Chase who could send me a letter they didnt have anyone who did that. Huh? I understand that Chase is the largest bank in the U.S. and the sixth largest bank in the world and they dont have anyone who can send me a letter explaining more clearly how they calculated the payment on my mortgage? 

Nobody has responded to me since. I would appreciate someone explaining to me how a 7 year loan term with 84 monthly payments runs from XX/XX/XXXX though XX/XX/XXXX. Or I would like a letter that accurately and clearly states why they took money from me in XXXX for a payment due in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: EQUIFAX, INC.
State: LA
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: Problem with personal statement of dispute

Complaint:
I am filing this complaint against Equifax due to failure to investigate fraudulent credit inquiries on my credit report. I sent a Multiple Inquiry Removal Letter on XXXX XXXX, XXXX by certified facsimile in order to dispute information, in regards to the several inquiries that I have listed below. I recently spoke with a rep from Equifax regarding this same issue and the rep placed a fraud alert onto my credit report and I was told to file a police report also regarding the fraudulent credit inquiries to have them removed. Even after the fraud alert several fraudulent credit inquires appeared on to my credit report which led to myself filing a police report in which I attached a copy to go with the Multiple Inquiry Letter showing the credit inquiries that I stated that were not factual. They received those forms on XXXX XXXX, XXXX. I received a computer generated response from Equifax dated XXXX XXXX XXXX in the mail on XXXX XXXX XXXX telling me that Inquiries are a factual record of access. If you believe these inquiries are unauthorized contact the creditor According to the FCRA rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its files. The fact that I received a response in 7 days after the receipt of my certified facsimile, one can assume that there was no investigation into the matter. I plan to purchase a home in a few months and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am filing this complaint due to lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything and I do not have accounts associated with those inquiries. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed these debts with XXXX, XXXX and XXXX 6 times without success in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX The following collection : I.C System, Inc {$870.00} Some of the answers that I received were that the collection had an update, again it said that it was verified but I do not agree with the answer since they are not my collections.

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 2019-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Good Afternoon, I was a victim of Transunion inquiry Issue. Reached out to their Customer Service at XXXX and spoke an agent. Transunion 's customer service was not able to handle or resolve this issue. 

TRANS UNION XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX Amount of debt owed : XXXX The collectors contact number is listed ( as shown ) ( XXXX ) - XXXX XXXX on experian 's website! 

I wanted to payoff/settle the debt but incorrect documentation was listed on the contact information on experians website. 

I don't think that it is fair for the consumer ( myself ), that I should have to take the full blame for the mistake. When the problem at hand could've been resolved in a timely manner instead of showing several months of past due 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 2019-09-09
Company: Home Loan Center, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I received an email from a scammer claiming to be Lendingtree saying I was approved for a loan. I called the number in the email ( XXXX ) as instructed to do so. They started verifying my personal information aloud such as my social and account number then they started asking me for my online login and debit card number which of course I did not give to them. They said they needed it for them to deposit money and for me to send it back in order to have the loan funded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: Resurgent Capital Services L.P.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Coach llc continues to harass me 10 years after debt. They try to garnish my wages even though I am on food stamps and SSI. 
They are attempting to charge me fines that double the original debt amount, 10 years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2023-07-16
Company: EQUIFAX, INC.
State: NJ
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, XXXX, XXXX isnt giving theaccurate reporting on my credit report.Besides they two accounts that has been closed for XXXX months or more still on my credit report.And when I make a payment they report the Pervious account that I owed.In other words my account doesnt increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have disputed this matter with Equifax a number of times submitted prof this was paid in full. But Equifax as ignored my complaint and has not remove XXXX XXXX XXXX XXXX still shows me as owing money. I need XXXX XXXX XXXX XXXX ending in XXXX. I am contacting a Attorney if they don't delete this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-28
Company: WINN LAW GROUP, APC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Winn law group apc is trying to sue me for a credit card debit over 10 years old. They claim to have served me a levy dated XX/XX/19 and I never received anything they have filed with XXXX county small claims court and this lawsuit should be happening because statue of limitations has passed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

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 2020-10-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
USAA DISPUTES XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Dispute XXXX : Policy reinstated due to non-cancellation-XXXX  USAA On XX/XX/XXXX, I called to inquire about extending my due date for my policy that I have had for over 20 YEARS. I was told that the due date was XX/XX/XXXX. I wrote this in my calendar. I paid the premium of {$670.00} by XX/XX/XXXX. The reason is was late in the first place was because you were not mailing statements in a timely manner. I have been a customer for almost 20 years with excellent payment history. The statements were LOST in the mail and I never received any correspondence about any of this. 

I called on XX/XX/XXXX, I was told to have the payment in by the XX/XX/XXXX. 

USAA then went ahead and cancelled my 20 year old policy and upped the premium by {$3000.00} despite the fact that I was NOT late on the final payment. XXXX did not occur. My policy DID not cancel due to missed payments as I was following the recommendation of the agent who told me that there was a 10 day grace period or due date of XX/XX/XXXX which I met. 

USAA went ahead and Cancelled my policy when they TOLD me I had until XX/XX/XXXX and told me there was a grace period. I did as I was advised and found out USAA went ahead and cancelled my policy and increased my premium anyway! 

Listen to all the recordings and revert the policy back to what is was originally with no lapse in coverage. I was TOLD the due date was XX/XX/XXXX. 

I REQUEST my policy TO BE reinstated to what it was prior to USAAs mistake. I spoke with : XXXX Employee # XXXX Who also can confirm the conversation and confirm the recordings and the agent who told me I was still within the window of my current policy. 

My policy did not lapse so I would like my policy reinstated as it was prior to your mail mishap. 

CEO email : XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Caliber Home Loans, Inc.
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My home refinance settlement date was on XX/XX/XXXX. Caliber Home Loans was holding approximately XXXX of escrow money. As of the end of XXXX I had not received my escrow funds so I called XXXX. They stated that they mailed them. 

I called again in mid XXXX because I still had not received my escrow account funds and asked if they could cancel the check and send me a new one and asked to have it sent as a rush/express because it was past the 30 days they have to refund my escrow funds. I need my escrow funds to pay off a debt that is accruing interest. 

XXXX told me " NO ''. They said I would have to cancel the check they sent and that it would be a few more weeks to get my new check processed and sent. This is unacceptable. It has been almost two months and they have not been willing to do the right thing and refund my escrow balance in a timely manner. 

The servicer has rights to enforce against the borrower when a deficiency occurs. 

The consumer should have the same kind of rights. Servicing rules on the CFPB site have such language : The servicer must advance funds to make disbursements in a timely manner as long as the borrower 's payment is not more than 30 days overdue. Upon advancing funds to pay a disbursement, the servicer may seek repayment from the borrower for the deficiency pursuant to paragraph ( f ) of this section.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have submitted a dispute to Fed Loan Servicing on payments that are being considered ineligible under the Public Service Loan Forgiveness program. The dispute was submitted on XX/XX/2021 and I have not received any response except for an automatic response confirming that it was received. 

My dispute is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are 3 unauthorized credit inquiries on my credit reports from CAPITAL ONE AUTO FINANCE from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I did not authorize any of the inquiries from those dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL 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 2021-04-30
Company: Experian Information Solutions 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:
Experian is reporting my last late payment at XX/XX/XXXX when XXXX is reporting XX/XX/XXXX. I have disputed this two times and while XXXX provided the correct date, Experian is still using the incorrect ( and more recent ) date that's negatively impacting my XXXX score.

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 2020-07-22
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: Was not notified of investigation status or results

Complaint:
I sent letters out certified over 60 days ago and have not been notified. I feel like these clowns are taking advantage of the normal hard working people. These negative items have cause life to be a lot harder for me. I would like these unknown items removed as soon as possible.

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 2023-03-05
Company: EQUIFAX, INC.
State: PA
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:
According to FCRA, there are laws being broken due to the account on my credit report listed below. I will list the laws as well as the account in question.

15 USC 1681i 15 USC 1681 S-2 Account : XXXX XXXX XXXX  Amount : {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reached out to the company in regards to this matter, and it still haven't been resolved. This is not my debt.

Company response to consumer: Closed with explanation