BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-26
Company: JPMORGAN CHASE & CO.
State: MS
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX I received a letter in the mail from chase, opened it and realized it was addressed to someone else ( XXXX XXXX or XXXX XXXX XXXX ). However the letter was addressed to my current address and regarding the house my husband and I sold XX/XX/XXXX, but neither of our names are on the letter. The letter is regarding " the amount of mortgage insurance, private mortgage insurance or VA funding ee you paid in calendar year XXXX '' I called chase to request information regarding the letter- Were the names mixed up? Did they send our personal information to someone else? Is this our information under someone else 's name? Will this effect our taxes? 
Chase would not give me any information since the loan was not in my name although my husband has previously authorized me to have full access to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Several letters were sent out to Eperian credit reporting agency. The first letter was dated on XX/XX/2020 to remove the wrong information on my credit report and nothing was done at this time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 7th Complaint informing the Credit Bureaus that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Bureaus are required to remove any account and information which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Pursuant of the FCRA section 605b, I am requesting that the Credit Bureaus remove the following disputed items completely from my Credit Report : XXXXXXXX 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 XXXXXXXX Balance Owed XXXX {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
PORTFOLIO RECOVERY Complaint Department XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX I am writing to dispute the following information that your company provided to XXXX XXXX. 
The item Reported is a Collection/Charge Off in the amount of {$370.00}. This item is being disputed as an incomplete and inaccurate amount because I do not owe this company {$370.00}. 
PORTFOLIO RECOVERY has reported on my credit report that there is No Reported account type, No Reported date of last payment, No Reported amount past due, No Reported Monthly Payment, A " Highest Balance '' of : {$180.00}, an Available Credit Limit of : {$300.00} and a Credit Used at : 0 %. 
The amount of {$370.00} is incorrect, inaccurate, and incomplete on this account. 

The Date of this account says closed on XX/XX/2012. 
I have no record of owing the amount {$370.00} to this company. I am requesting that PORTFOLIO RECOVERY have the item removed to correct the information. 

I would also like to request that PORTFOLIO RECOVERY stop calling me and harassing me about this debt. Please reinvestigate this this matter and contact the national credit reporting companies to which you provided this information to have them correct and delete the disputed item as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: Gurstel Law Firm, P.C.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
The consumer received a letter from a law firm disclosing as a debt collector trying to collect a debt. I have no known transaction or contract made with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " .. promptly delete all information which can not be verified. '' that I have disputed because these accounts do not belong to me, Please resolve this matter as soon as possible. Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I submitted a letter to Convergent XXXX  requesting that they validate and NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted.

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 2017-07-31
Company: Navient Solutions, LLC.
State: IN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have sent in documents as I qualify for disqualifying status to have debt discharged, and they just keep calling and calling. They have called my neighbors, they have called my boyfriend and disclosed the amount of the debt, who was the references on the original loan, and any details that they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have PHH for our mortgage. We pay our property taxes in escrow with this company. 

XXXX XXXX in CA made a mistake with our property taxes last year. Our taxes were erroneously increased ~50 %. PHH raised our mortgage payments over $ XXXX/mth to take care of this " apparent '' tax shortfall. 

We have reached out to PHH. They acknowledge that we have overpaid our taxes. We have been waiting for more than 5 months to get our money back. Everytime you call you get lots of apologies but never a refund check.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I neither affirm, nor deny this purported debt. You claim I owe XXXX XXXX XXXX the amount of {$100.00}. 

This letter is being sent to you in response to an entry made on my Credit Report dated XX/XX/2018. Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section of the Fair Debt Collection Practices Act. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes.

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 2021-10-31
Company: BAM Management US Holdings Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Binance.US enabled my account. They said they refunded XXXX on XX/XX/21 and it made my account go negative. My bank has no record of this transaction. And I never received any refund. I asked them for proof of the transaction and they only stated that I need to contact my bank which I already have. I sent them copies of my bank statements of 5 months as they requested. They have yet sent me my money or unlocked my account. But they did acknowledge on XX/XX/21 that they did not refund the XXXX So why is my account still enabled?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: AFNI INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This creditor repeatedly reports false information on my credit report after numerous conversations of indefinite removal, violating the Fair Debt Collection Practices Act during a worldwide pandemic, legal action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
While look at my credit report on XX/XX/2020, I discovered that there is an inaccuracy with the credit bureaus. I have filed a report with the federal bureau and the company, but it has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I transferred {$50000.00} from my bank account to BINANCE.US over a month ago to then immediately use those funds to buy crypto currency. My account has been blocked from trading, depositing, and withdrawing for over a month. I was instructed to send a video and verification which I sent over a month ago and still have received no response. I have tried multiple emails and chat messages to get help. 

I received one email about a month ago and thereafter absolutely no communication. I've tried many different ways of communicating with the company but I've not been able to get in touch with anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: HW Holding, Inc
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent a letter in response to phone call received by a company on XX/XX/2018. I was requesting that the hunter warfield provide validation of the debt as required by the Fair Debt Collection Practices Act. Because I have disputing the debt, they have should not report it to the credit reporting agencies.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The company against which I am complaining, Wakefield & Associates, has failed to send me any kind of debt validation notice with respect to three different accounts which have been assigned to it for collection. I have never received such a notice ; rather, the three items simply appeared on my credit report as adverse collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Several letters were sent out to XXXX credit reporting agency. The first letter was dated on XX/XX/2020 to remove the wrong information on my credit report and nothing was done at this time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: Navient Solutions, LLC.
State: NJ
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:
1. On XXXX XXXX 2017 I made an online payment with Navient for {$320.00}. I was given a confirmation Number for the transaction. 2. On XXXX XXXX, 2017 Navient sent me a statement showing that the payment was received and allocated to my account 3. Navient them reversed my payment and sent me a notice stating that my bank rejected my payment 4. My bank ACH department have no record of Navient submitting payment 5. I have called Navient and spoken to a representative who told me your bank rejected your payment 6. I need Navient to provide me proof that my bank rejected my payment Thank you kindly XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Yes this credit for XXXX office closed my account way too fast. Hurt my credit score also. Was opened XX/XX/XXXX. They closed it XX/XX/XXXX. Said on the remarks. Canceled by credit grantor???? I never closed it. They did. I would like them too contact all 3credit bureaus. Have it deleted. If not at least out if courtesy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As if today XXXX XXXX I already made my mortgage payment for the month of XXXX. 
But when I woke up this morning I was in shocked because when I checked my bank account I saw that theres 8 pending mortgage payment of {$2400.00} totalling {$19000.00} from Mr Cooper. 
I didnt authorize that payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX XXXX, I discovered a negative report ( a late mortgage payment, XXXX XXXX to XXXX XXXX XXXX XXXX XXXX ) on my Experian Credit Card report, which is incorrect. 

I have made all regular monthly mortgage payments to XXXX XXXX XXXX, on time and in full. According to the servicer, they did not initiate or submit the late payment notification that appears on my credit report. Additionally, XXXX verbally acknowledged over the phone that no late payment appears on my mortgage account ; however, XXXX was unable to explain how or why the late payment to them appears on my credit report. And I was advised to submit a written request to the XXXX XXXX XXXX to obtain an answer. 

I submitted a written letter via fax to the XXXX XXXX XXXX  on XXXX XXXX, XXXX. I also initiated a dispute with Experian on XX/XX/XXXX. However, to date I still have not received a response or a resolution of this matter from XXXX XXXX XXXX XXXX XXXX or from Experian. 

In the interim, my credit score dropped 131 points as a result of the late mortgage payment 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 non-monetary relief
Consumer complaint received 2021-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX IS REPORTING INCORRECT INFORMATION ON MY CREDIT REPORT FOR XXXX, XXXX, XXXX, AND XXXX. I WAS DENIED A MORTGAGE LOAN DUE TO THIS INACCURATE 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 2020-07-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Dear Credit Reporting Agency ( XXXX, XXXX, or XXXX  ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   and Capital One. 
As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
I have also included a copy of my credit report with the accounts I am requesting to have Inquires verified. 
If you are unable to verify the account Inquiries with the original contract, the Inquires should be removed from my credit report within 30 days. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: World Acceptance Corporation
State: TN
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  is has 2 world finance accounts on my credit which is basically the same loan and has 2 different charge offs. This was 1 account and should have stayed under 1 account regardless of it being transferred to another branch. I have 1 account that 45 charge offs then another with 61 charge offs which means the debt was sold 61 times? Now it is also reporting that it is in collections now after being charged off. How is that possible? I have asked for these accounts to removed from credit report numerous times. XXXX just reaches out to the creditor and they write a statement and nothing gets resolved. If XXXX  just took the time to look at my report they will see the information is inaccurate. I am asking that these accounts be deleted and removed from credit report immediately.

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 2020-09-04
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been a fraud victim were someone has rented a property under my name. I don't know where it was, but a collection agency named Hunter Warfield placed the reference on my credit without validation for the amount of {$13.00}, XXXX. I can 100 % assure that this account does not belong to me. Apparently, the account rental was in another state that is not XXXX  where I have been living since XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
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: Was not notified of investigation status or results

Complaint:
This complaint is just to notify you the credit bureaus aren't doing their job. I sent out disputes to all three credit bureaus on XX/XX/20 and I have yet to receive a response from any credit bureau. I'm not the only one either. I've spoken to another friend of mine who was also disputing accounts back in XXXX and she says she has not received anything either. We both looked up how long the disputes were supposed to last and everything I read says its only thirty days. Even XXXX  's own website says " In most cases, disputes are completed within 10-14 business days and quite often within two to three days. The length of time depends on the type of dispute and how quickly the lender or other data furnisher responds. 
While usually completed much faster, the Fair Credit Reporting Act ( FCRA ) requires that XXXX allow 30 days for the dispute process to be completed. '' We are on XX/XX/XXXX and its been TWICE that amount of time and even longer for my friend. What do we need to do to get our disputes processed and completed?

Company response to consumer: Closed with explanation