BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-01
Company: JPMORGAN CHASE & CO.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
JP Morgan Chase is refusing and has refused to answer because it proves a felony has been committed by them and it is in progress. JPMC EMPLOYEES ARE AWARE THEY ARE BREAKING THE LAW. 

THEY VOIDED INTEREST IN THE CONTRACT BY FRAUD. 
The issue is that JP MORGAN CHASE can not explain their actions without incriminating them selves. THE ISSUE HAS NEVER BEEN ANSWERED FOR THAT REASON. 

JPMC employees know that I can prove that they are aware that the breach of contract was to their detriment and liability. 
If they answer with a real answer they will be admitting wrong so they refused to answer because their intent is to steal property. 
JPMC is aware that the law was broken by their actions once that occurred every action since was to ignore their wrong doing as they try to take my home. 
this complaint has never been answered they only deflect and gas light the issue. 
XXXX XXXX mortgage law says that they embezzled money when my money was applied to another property my pdf that I sent proves wrong doing then the lack of corrective action proves criminal intent. 
obviously telling me every month from XX/XX/XXXX-XX/XX/XXXX that I had insurance was fraud because I did not have any insurance. 
the pdfs I send show that there was a checks and balance system that was never used. 
once the contract was broken by them I can not break it because it is voided in XXXX since they voided the contract they refused to do the right thing and own up to it and make restitution. as a result of their actions I was put under so much stress it caused a XXXX XXXX my life was shortened by this event. 
please bring in the FBI. Financial frauds Div. because insurance frauds and MTG fraud are not all that JPMC has done, EXTORTION IS TAKING PLACE RIGHT NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I had open a bank acount with us bank and my acount was close becused I didn't hand money in my bank acount I thought that my funds where sending me a check yo my address but I never open my mas il and I rescued a letter that st and XXXX that my acount was close for not having funds and I disputed my bank acount all I got was a letter stating that all was geting but I believe that us bank close my acount before I had access to my funds

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 2018-10-20
Company: CITIBANK, N.A.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX froze my mothers account 8 weeks ago. When they initially called their questions made me uncomfortable as they sounded like they could be a scammer so I hung up. 2 weeks later I received a letter about it and called them. Our financial and tax advisors helped me submit what was requested and after 3 weeks they contacted me for additional info but also I had to resubmit documents I had already sent. After numerous phone calls to find out the status and more resubmissions its now been under review for a week. They have told me that the only way to know if the freeze has been lifted is by calling in. NO notice will be sent to me. 
This is my mothers primary account, she is XXXX and has XXXX and XXXX needs to be paid! They are now bouncing checks and this includes a {$19000.00} payment. I have also asked how they will help fix the problems they have created ( declined payments ) Their answer has been that thats not their problem.

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 2017-11-04
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This should not be on my credit report and is inaccurate. My personal health insurance company paid for this service, in addition, I made a payment as part of my co-pay. 

I 'm also reading that " Syndicated Office Systems ( file number XXXX ) '' has a history of not handling consumer credit reporting disputes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: DISCOVER BANK
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Discover Miles Card transferred my " Miles Points '' ( last seen on XXXX XXXX statement ) into a credit ( showing on XX/XX/XXXX statement ) without informing me of this transfer. I had accrued XXXX miles-points ; I don't know date I opened the Miles card because the Rep. told me they had no record of my start date. They gave me a money-credit for the miles I had accrued, of {$570.00}. I would have received full market value for points if I'd been able to use my points ( like I had wanted to do ) for actual airline travel. I could have bought a very expensive airline ticket with the XXXX miles, certainly worth more than {$570.00}. That's why I had been saving up my miles-points. Now I have only {$570.00}. They didn't tell me they were doing this. I simply saw a credit on my statement, and my miles-points had disappeared. ( One representative named XXXX in XXXX told me I should get XXXX x 2, so XXXX based on Discover 's system of : every XXXX miles equalled {$100.00}. ) Spoke with another Rep. who explained the correct credit was {$570.00}. I spoke w/ another Rep. XXXX, who said they couldn't change problem, that Discover had changed how they deal with Miles in XXXX & due to inactivity (? ) they credited my account for a lesser value than real travel would buy. They didn't tell me that. The Rep ( XX/XX/XXXX ) said I couldn't get my miles back, which is what I want. I'd been saving for many years. They said they sent me a check. I didn't receive a check. Going through my statements again, I see the credit has been missing for about a year. I spoke w/ a Rep. today ( XX/XX/XXXX ) & asked where my credit was. It was there on the XX/XX/XXXX statement & missing thereafter. Today after my call, they reinstated my credit. ( *Please note, I did change my Miles Card to the Discover it card after all this happened, XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
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: Information belongs to someone else

Complaint:
I regularly check my credit report through a service called XXXX XXXX and it shows that I have a derogatory mark on Equifax 's report. 

I do not recognize the original creditor name, XXXX XXXX XXXX XXXX XXXX, and did not purchase or use any of their services described on their website. Also, neither the original creditor or the collection company, XXXX XXXX XXXX XXXX XXXX, have contacted me nor provided evidence that their reporting is valid. 

I disputed this derogatory mark using Equifax 's online dispute system on XX/XX/2019, and their response on XX/XX/2019, says that the information on my credit report is verified. However, Equifax did not provide any evidence that the collection company 's claim is valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-20
Company: Selene Finance LP
State: OH
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:
QWR Qualified Written Request Notice of Error LOAN XXXX OWNER XXXX XXXX LAST S.S. XXXX PROPERTY ADDRESS : XXXX XXXX XXXX XXXX XXXX, OHIO XXXX IN XX/XX/2012 WHILE THIS PROEPRTY WAS UNDER A FEDERAL STAY THE LOAN SERVICING COMPANY XXXX VIOLATAED MY BANKRUPTCY RIGHTS BY ADDING ON PAYMENTS TO THIS LOAN FOR FORCED PLACED FLOOD INSURANCE AND HAZARD INSURANCE PAYING OFF A TAX PAYMENT CONTRACT THAT IS PART OF THE DEBTORS CONFIRMED BANKRUPTCY PLAN AND ASKING FOR THAT MONEY IN A ESCALATED PAYMENT NOT IN THE PLAN. THE DEBTOR HAS BEEN FORCED TO MAY ATTORNEY FEES AND CHARGES ON THIS LOAN THAT HE SHOULD OF NEVER BEEN CHARGED PER THE BANKRUPTCY PLAN AND FILING. NOW I AM ASKING SELENE TO INVESTIGATE THE HISTORY OF THIS LOAN AND JUSTIFY XXXX XXXX CONCERNS IN THIS CFPB COMPLAINT. SELENE RECEIVED THIS LOAN FROM XXXX   WITH ERRORS AND HAS NOW ADJUSTED THE PAYMENT TO THE CORRECT AMOUNT OF {$260.00} BUT HAS REPORTED TO THE CREDIT BUREAU THAT XXXX XXXX WAS LATE TWICE ON THE PAYMENTS WHEN INFACT XXXX XXXX HAD PAID THE CORRECT AMOUNT ON TIME AND SELENE AT THAT TIME OF PAYMENTS TRIED TO REFUND THOSE PAYMENTS WITH CHECKS XXXX AND XXXX. AS OF TODAY XXXX XXXX HAS NOT CASHED THE CHECKS AND THE ACCOUNT NOW SHOWS A CREDIT. PLEASE ADVISE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I write them a letter but I never get any response back. I believed that the address on file is not correct. I disputed with TransUnion, they refused to remove the inquiry. 
The inquire name is XXXX and it was reported to my TransUnion report on XX/XX/2018.

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 2019-02-20
Company: CL Holdings LLC
State: OH
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:
a XXXX bill would not remove my month in advance payments and did not cancell i took them to court small claims and one got letter from them saying it was off my credit report 2 years later a collection agency wants this money check my credit report it is not on it the agensy is trying to scam me out of money XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-20
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid a mistaken amount {$3800.00} and tried to repay for {$3600.00} after my bank rejected the insufficient funds, and it's been 8 days, and the rejection is still not reflected online. Therefore, I can not make payment and it sabotages my ability to move forward and may have made an issue in the minimum payment.

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 monetary relief
Consumer complaint received 2020-08-24
Company: Ocwen Financial Corporation
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Good Morning, I made a payment on XX/XX/XXXX for the amount of {$1400.00} and then the next day the mortgage company ended up pulling out another amount the next day through their auto pay feature. I called them and let them know and they apologized and said they would get it fixed. I saw that the money was returned to my bank the next day. Following week or two I get a call saying I am late on my payment and explained to them I made the payment and they apologized and saw that the payment was made on XXXX and said they would fix that. I waited a little bit more and was wondering when my request was going to go through and they said that it takes time and they will reach out to me. I wait a 1 week into XXXX and saw that my credit report was hit with a late payment from PHH Mortgage. I asked them about it and they stated I had not made my payment. I explained that I have been working with them on getting this resolved, it took them over a month to let me know that the bank pulled back the check itself and that they actually returned the payment that actually was made. I have been asking them to remove the late payment off the account and they are refusing to do so. 

I also spoke to another associate who said that they will continue to deny my request no matter who is at fault to remove the inquiry. 

Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 Transunion, I checked my personal credit report, which I acquired from your company on XXXX of XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX  XXXX XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. Very XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
2 years ago now I got a pay day loan and when it went through the company put it through twice. They have tried to charge me twice now for one payday loan and because of their mistakes that I should n't have to pay for. It was for 150 or so the collection agency has called my family and friends told them about the debt threatening them that they will be sued or go to jail. Doing the same with me I have many many voicemails saved of them trying to act like the cops and black mail money from me and my family. I have tried to settle but they are rude curse hang up on me and say I 'm being charged with check fraud. I did n't do anything wrong and I have read online about a lot hundreds of others that they have done this too for an extra buck it 's wrong and people that do n't know about fair debt collection act do n't even have a chance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: TD BANK US HOLDING COMPANY
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:
Received phone calls last week on persons trying to open accounts under my name with XXXXt and XXXX.realized only today an account was opened with XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-20
Company: COAST PROFESSIONAL INC
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt has already been paid via my federal tax returns being garnished for the past 15 years, as well as my paychecks being garnished. The initial debt was {$3000.00} for XXXX XXXX training. I am now XXXX years old and retired and this needs to stop!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
TD Bank apparently opened accounts using my name and address without my authorization. I have never had a bank account with TD Bank and do not want one. Now, they are billing me for service fees on accounts I didn't open. This smells of the XXXX XXXX fraud. The accounts are TD Simple Checking # XXXX and TD Growth Money Market # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-20
Company: EQUIFAX, INC.
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:
The inquiry was made by XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. Also by XXXX XXXX on XX/XX/XXXX. I do not recognize these inquiries and it should have been removed from my Equifax consumer report. I contacted the inquirers but they have failed to remove the inquiry from my consumer file yet. I also contacted Equifax regarding these inquiries and they have not removed them yet as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: Experian Information Solutions Inc.
State: ID
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:
I have disputed the late payments on XXXX XXXX XXXX  XXXX account for months with no result. Not only that, Experian and XXXX  also refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2018-10-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am in receipt of a Mortgage Statement dated XX/XX/XXXX which states that as of XX/XX/XXXX, I owe the amount of {$77000.00} on the loan. 
I am disputing this claimed amount for the following reasons : 1. The above stated amount does not take into consideration my ongoing dispute sinceXX/XX/XXXX with XXXX XXXX and then XXXX and now SPS regarding non credited payments which I made on my mortgage account and excessive escrow charges made on my accou8nt in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.  I have sent 196 pages of bank records to XXXX and now to SPS supporting my claim Still the only response I have had from SPS is to send me a payment history from XX/XX/XXXX onward which does not acknowledge my prior claim for the above mentioned years. These bank errors go back to XX/XX/XXXX when XXXX  XXXX made a loan modification on the loan. And now SPS is legally responsible for prior bank errors made on my loan and for mistakes made on prior modifications. And as I have pointed out before I have been disputing these bank errors since XX/XX/XXXX. I have made continual requests for someone from the SPS accounting department to reach out to me to solve this problem. So far no one has contacted me from the accounting. And since they have not addressed or credited my account the accrued interest due to me for excessive escrow charges made to my account or for accrued interest and capitalization charges made to my account, I am hereby disputing the claimed amount of {$77000.00} by SPS.

I view this as an unacceptable business practice and illegal because SPS bought the servicing rights to my loan from XXXX and therefore SPS is responsible for past bank errors on the account. 
The contention of SPS that since I signed a modification agreement in XX/XX/XXXX which brought my account current and therefore that I agreed to the modification terms does not excuse prior bank errors made on my account since XX/XX/XXXX because SPS by acquiring the servicing rights on my loan, acquired the prior liabilities of the prior loan servicer which was XXXX  XXXX and then XXXX. 
In addition to the above issues is the issue of excessive amounts capitalized into my mortgage balance since XX/XX/XXXX which amounts to {$170000.00} since XX/XX/XXXX. I have analyzed this account and have submitted extensive bank records to this effort and have determined that the amount of {$100000.00} is owed to my mortgage account for excessive interest, administrative charges, non-credited payments, excessive escrow and insurance charges plus applicable interest. And the fact that I signed a modification agreement on XX/XX/XXXX does not nullify the fact that errors were made on my mortgage account and does not render my claim as being invalid and the fact that credit is owed to my mortgage account for past bank errors made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation