BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-14
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I am filing this complaint prose where I am not represented by legal counsel in filing this complaint with the Consumer Financial Protection Bureau with anticipation of getting this resolved with your agency. I presently have finalized mediation with JP Morgan Chase in regards to the lease failed requirements with no consideration or compensation. I am presently in a foreclosure suit with JP Morgan Chase Bank NA as the plaintiff, as a defendant I also have a pending counter suit in the same court. In the Circuit Court of XXXX XXXX, Illinois XXXX XXXX, Chancery Division Mortgage Foreclosure/Mechanics Lien Section. Case No. XXXX CH XXXX. 

Product Issue : Breach of terms of the lease with a branch bank of JP Morgan Chase, Chase also subsequently acquired an existing mortgage from another mortgagee to make Chase the lessee and the mortgagee of said property which is now currently in foreclosure due to fraudulent banking procedures of Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I fXXXX my XXXX back in XXXX of this year which resulted in me not being able to work. I called about possibly doing a forbearance and was never told since I was up to date on my payments that I wouldn't qualify, I had been holding off paying on my medical and other bills to save to pay my mortgage at that time. When the company sent me a letter stating I would not be able to get the forbearance due to the payments were up to date they advised my to try again and not pay my mortgage and pay on my other bills, so that's what I did I have sent in my paperwork several times due to they said there wasn't enough information and to follow up each week by calling them. I di everything they had asked however they kept saying they haven't ' received my paperwork, I faxed it I emailed it and was told they had it, up until last week when I called and was told the paperwork needed to be updated and changed. I did all the corrections they wanted and updated all the information they said they needed and sent it in last week, I was told to call this week and follow up and was told that they closed my case on the XXXX because I never sent the paperwork like they requested. The customer service representative said the paperwork was in on the XXXX and they were back logged she said she will send it to them with the date they received it and the date they got it, however they may not take it in to consideration I had beat the dead line they had set even though they never contacted my to let me know they needed more information or what I had to do. Now I am close to being foreclosed on especially if they don't grant me the forbearance. I also made a payment to extend the date, which they advised me to do which happened to be on the XXXX. They claim they want to help me but in no way are they trying to I have lived in my house for 26 years and have always been on time with my payments and since Carrington has been my mortgage holder for the past several years I haven't missed a payment or actually been late I have been paying it before it was due many of times, and this how I have been treated by them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: SYNCHRONY FINANCIAL
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:
Yes they transferred to XXXX. Whom I promptly paid for delete. All other creditors deleted per XXXX   request.

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 2022-08-16
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
lam a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681.

And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacv and I did not aive Eauifax written permission to furnish these accounts. 

Accounts : : 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 2022-08-16
Company: EQUIFAX, INC.
State: AL
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:
I am a narural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because according to 15 USC 1681 : I have the rights to privacy and i did not give Equifax written permission to furnish these accounts. 

accounts-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is not my account, never received anything verifying this is a debt or its relation to me. This is a strict violation of FDCPA and FCRA. Please remove immediately. Also, talked to the company & they themselves lack any info & agreed to remove it. Please delete XXXX XXXX XXXX {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Chase   XXXX   XXXX   Chase   XXXX   XXXX   XXXX    XXXX  Ny  XXXX  No $ Amount.  33   pages   XXXX   XXXX   already has CFPB Case # FOIA Request www.ftc.com. Contact Us   XXXX   XXXX   Account #. With Customer permission by Chase. Send Receipt of # Amounts   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX  Ohio  XXXX   XXXX  Case # `  XXXX   already submitted To :   XXXX   XXXX  . With permission by Chase Customer Slip Direct Deposit. I, m asking For : # Amounts   32   pages FOIA Request   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: Experian Information Solutions Inc.
State: MN
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:
I need to file once again a complaint on Experian for miss use of my credit file I just got an email alert not 10 min ago about someone at Experian had open up a dispute on my XXXX XXXX account. Never have I asked Experian to investigate the XXXX XXXX account and Not sure who would be dealing with an account that I didnt dispute??? This has really got me Puzzled why are you tampering a trade line that I didnt dispute? Please EXPLAIN CFPB could you please look into this matter as well. I have already contacted the MINNESOTA AGS OFFICE AS WELL! 
Experian Get it together Pease! And do your Job!! For the accounts that you are Disputing for the opening Disputes I will exercise my right Under the FCRA 611 ( A ) ( 7 ) for your description of procedure used by your agencies. Providing all Information to be more specific based on the FCRA 611 ( A ) ( 2 ) ( B ) I DONT BELIEVE THAT YOU ARE DOING FULL INVESTIGATION LIKE YOU SHOULD. Please Remove XXXX XXXX from this dispute list AND REPORT IT AS NOTHING WRONG EXPERIAN IF YOU ARE UNABLE TO SEND ME WHAT Im asking for Please DELETE THE ACCOUNTS THAT ARE IN DISPUTE THEY ARE CALLED UNVERIFED ACCOUNTS IF YOU CAN NOT VERIFY ANY ACCOUNTS PER FCRA THEY MUST BE DELETED. Here is a list that I supplied to you I WANT full Proof from what you sent to the creditors what they sent back to you who you spoke even down to employee ID NUMBER TO SHOW THAT YOU ARE DOING YOUR JOB CORRRECTLY. Experian I will tell you right now Im not going any Place until you show me your Full investigation of every dispute that you claimed to have disputed. As for the Other 3 accounts I suggest that you delete those ASAP because I have proof that you DID NOT INVESTIGATE SOME ONE AT YOUR LOCATION CHANGED THOSE ACCOUNTS NOW I WANT THE PROOF I SENT IN A TON OF FACIAL INFORMATION BUT YET YOU STILL VIOLATE MY RIGHT NOW THE TABLE ARE TURN I NEED FACTUAL INFORMATION FROM YOU! Lets play this and lets do this the party has just begun also if you dont play fair I will EXECUTE A LAWSUIT also show me what dispute letter That I sent in asking you to even touch my XXXX XXXX account. Get your XXXX together!

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 2019-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2017-05-13
Company: Receivables Performance Management, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I had an account with the  XXXX   XXXX  that was discharged in a BK. They sold the account to Receivables performance management. RPM now is reporting it as an active collection on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
XXXX has failed to complete the investigation with fdcpa regulations, there are currently disputed accounts still actively showing on my credit report, furthermore, the disputed accounts have been investigated longer than 30 days, no letter has been generated, none of the disputed account creditors have proffered up proof positive of any Information binding XXXX XXXX XXXX to the alleged debt, there are no signatures only personal information that was submitted electronically, additionally there was a police report given in XXXX regarding fraud. And the credit report was locked, since then I have disputed these alleged debts, the alleged creditors have been directly notified of the disputes, initially the disputes were put in XX/XX/XXXX, 30 days ended XX/XX/XXXX, those disputed items still remain on XXXX XXXX XXXX credit report even after being disputed. XXXX has failed to comply with fdcpa, the alleged creditors have failed to provide any corresponding documentation that would constitute ownership of any debt by XXXX XXXX XXXX, XXXX continues to ignore the law. In addition XXXX was sent identifying information about my current address ( XXXX XXXX XXXX XXXX, XXXX WI, XXXX ) my full name as stated on my driver 's license and birth certificate ( XXXX XXXX XXXX ) yet XXXX continues to place incorrect information on my credit file, they updated my address to the home of my brother in Oregon, wisconsin, and have an address ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ), where I done reside nor ever resided my eldest sibling lives there and has lived there for over 15 years, XXXX continues to fraudulently place items in my report and disregard the documents provided to validate my claims. I would like for them to be sanctioned for constantly and consistent misappropriation of my true Information. I have provided all legal documents to substantiate all of my claims, nobody is holding experian accountable for falsely representing my credit profile, it has caused financial hardship, and monetary loss. I view, based on my perception, it to be deliberate in nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 sent in a dispute on XX/XX/2018. I have not heard back from them. The FCRA requires them to respond within 30 days.

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 2021-03-05
Company: Resurgent Capital Services L.P.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
LVNV Funding LLC of XXXX. XXXX XXXX XXXX south Carolina XXXX has been sending me past due payment notices in the amount of {$68.00}. The collectionhas been reported also as a past due balance. I do not know this company. I have had no business with this company. This company could not and does not have a contract with my legal signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: TX
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:
I am a natural person, I am a living human being, and I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX Acct XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: PLANET HOME LENDING, LLC
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Our loan was initially through XXXX XXXX XXXX, opened XX/XX/XXXX. We made payments mostly on time for 6 years, 8 months. We knew there was no way we would be able to make XX/XX/XXXX payment, so we requested, and were granted deferment when we made XX/XX/XXXX payment. 
XX/XX/XXXX we were informed that our loan was sold to Planet Home Lending. Planet Home Lending refused our initial payment, as we were a month behind ( and they did not accept partial payment ). We informed them that we were given a deferment, and our account was current as of XXXX XX/XX/XXXX. They said they did not have to accept the deferment, and their records indicated that we were a month behind. We made arrangements to bring the account current, by making 4 payments, by the end of XX/XX/XXXX. Our final payment was scheduled for XXXX XX/XX/XXXX, and would have brought us current as of the end of the month. 
In XXXX, we were informed that on XXXX XX/XX/XXXX, our loan was sold by Planet Home Lending   to XXXX XXXX XXXX, which is a whole other complaint. We were told that there was no payment history with Planet Home Lending, and that we were in default, dating back to XX/XX/XXXX. We explained that we were in fact brought up to date whilst with Planet Home Lending. XXXX XXXX XXXX told us that we were going to have to get verification from Planet Home Lending. In numerous phone calls to Planet Home Lending, we've only been able to successfully get hold of someone once. The individual stated that they would send the proper documentation to XXXX XXXX XXXX, that day. We called XXXX XXXX XXXX, the following week, and were told that they had not received any documentation. In subsequent follow up calls, we are repeatedly disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have been trying requested needed documents to do an Assumption of mortgage on our loan to transfer it to my mother. I have called shell point mortgage back in XX/XX/2018, then I have called them every moth since, sent multiple emails and I still dont have an assumption package. Shell point is now XXXX, the problem is still the same. no one can help me when i call, I requested multiple times to speak with supervisors and managers and they are always busy. Please help me get my mortgage transferred to my mom as an assumption. 
I dont know how else to obtain the needed paperwork,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/21 I opened a Citi online accelerated savings account. At the beginning of this year I noticed that I was locked out of my account. I attempted to call to resolve the issue since I couldnt reset my password. They informed me that my account had been closed and that I should receive a letter in the mail. I waited a few weeks and still no letter. Called again and was told the same thing. They informed me it could take up to 3 months. Ive called twice since and I get the same run-around. I have a little over {$3000.00} in the account and would just like my money back as I would like to reinvest.

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 2021-03-24
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me getting it back up and going. I am not sure if this is some mistake as I asume it has to be I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my Paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
In accordings What the fair credit reporting act XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account numberXXXX has violated my rights. 

XXXX department of education Account number XXXX Has late payment and I never missed a payment XXXXXXXX XXXX  Account XXXX. 
I tried to change my payment method with gain it took me three emails to let to get a response it charge me a late fee do to the fact they took almost a month to reposed 15 USC 1681 section 602 A states I have the roughy to privacy 15 USC 1681 section 604 A section 2 : It also states a customer reporting Agency can not be furnished a Account without my written instruction

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 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 / XXXXXXXX XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX number XXXX XXXX XXXX  XXXX Account number : XXXX XXXX XXXX Account number : 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 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