BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
MY HOUSE WAS FLOODED IN HURRICANE HARVEY.  CHASE BOUGHT THE FLOOD INSURANCE BUT DID BUY FOR THE CONTENTS. WHEN I CALLED TO ASK THEM WHAT WAS COVERED SO I COULD BUY ADDITIONAL CONTENT INSURANCE. THEY WOULD NOT TALK WITH ME BECAUSE THEY SAID I WAS NOT ON THE LOAN WHICH WAS NOT TRUE I HAD SENT THEM ALL THEM ALL DOCUMENTS WHEN MY MOTHER IN LAW PASSED TO SHOW MY HUSBAND AND I WERE SOLE OWNERS OF THE HOUSE. SO I LOST EVERYTHING IN THE HOUSE BUT SMALL ITEMS AND SOME CLOTHES AND LOTS OF XXXX COLLECTABLES. THEY HAD LOST NUMEROUS PAPERS I FAXED TO THEM SHOWING THIS. IT TOOK FROM XX/XX/XXXX TO XX/XX/XXXX FOR A LADY IN SOLUTIONS TO FINALLY FIND THE RIGHT PAPERS SO I COULD COMUNICATE WITH THEM. I GOT A PAYMENT IN MAIL AND IT HAD GONE DOWN {$300.00} SO I CALLED TO FIND OUT WHY AND WAS TOLD THE LAST GUY THAT CAME OUT THERE SAID THE HOUSE WAS UNINSURABLE. WAS TOLD TO WRITE A LETTER, WHICH I DID TWICE BOTH 3 TO 4 PAGES LONG AND TOLD THEM I WOULD SURRENDER THE HOUSE IF THEY WOULD GIVE {$10000.00} TO HELP COVER SOME OF MY SMALL LOOOSES. THEY KEEP DENING ME AND THEY NEED TO COVER THEM SINCE THEY MADE THE MISTAKE FROM THE START.. THE CHECK IS FOR XXXX AND HAVE IT IN AN ESCROW AND HAVE ADDITIONAL ESCROW OF XXXX. THERE IS A MORTGAGE ON IT WHICH THE HOUSE IS NOT WORTH NOW. MIGHT 20 TO 25,000 NOW WITH THE DAMAGE. THEY CAN GIVE THE XXXX AND STILL BE AHEAD AND MAKE UP THE XXXX, XXXX WHEN THEY SELL PROPERTY AFTER HOUSE IS GONE. I HAVE GOT RUN AROUND AND PASSED FROM ONE TO THE OTHER AND TOLD LIES TO GET ME OFF THE PHONE. MY ORIGINAL ADJUSTER SAID HE WOULD NOTIFY THEM AND ASK THEM TO SEND CHECK BACK TO HIM AND HE WOULD REISSUE THE CHECK TO ME. BUT THEY SAID NO,. WE ARE NOW IN HURRICANE SEASON AND HAVE HAD BAD RAINS AGAIN AND PART OF THE ROOF HAS CAVED IN ALREADY AND IT HAS SEVERE STRUCTURE DAMAGE AND CRACKS INSIDE HOUSE AND HAD WATER ALL THROUGH HOUSE. THERE ARE RATS IN HOUSE NOW THAT HAVE COME IN AND BEES. I HAVE TALKED TO ISURANCE CLAIMS, HAZARD DEPT, AND MORTAGE DEPT AND BEEN ON THE PHONE ALL XXXX WITH THEM TRYING TO GET THIS RESOLVED. CALLED CORPERATE AND GET NO HELP THERE EITHER JUST PASS THE BUCK AGAIN. THEY NO NOTHING ABOUT CUSTOMER SERVICE ALL I WANT IS TO BE TREATED RIGHT AND GET CLOSURE. THEY TELL YOU WHAT TO DO AND WHEN YOU DO YOU FIND OUT YOU HAVE WATED YOUR TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: Experian Information Solutions 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 have contacted Experian as well as each company associated with the inquiries in regards to having the inquires removed because I did not authorize or consent to the inquiries or for my credit report to be ran. Each inquiry is still showing on my credit report I also have completed a fraud affidavit, report number XXXX, with inquiries still reporting on my credit report. 
Inquiries include : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3XXXX XXXX XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX In XX/XX/XXXX 7. XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2021-06-09
Company: TOYOTA MOTOR CREDIT CORPORATION
State: RI
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:
On XX/XX/XXXX at XXXX XXXX  est a payment in the amount of {$1000.00} was made to Toyota Financial and I was hit with a 30 day late payment on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
It all began when I got a check from a friend. She lend me {$8700.00} and gave me a check on XX/XX/2018 which I did deposit it on the XX/XX/18. she didn't had the money but she made a transfer from other of her accounts on XX/XX/18. Unfortunately the check was bounced because she the funds she transferred weren't available. So, I had a bounced check. 
She gave me another check of {$8000.00} on XX/XX/18 showed me that she had the funds available, I deposited the check that same day and the money was pulled from her account the same day, XX/XX/18. Unfortunately Chase which is the bank where I have my account, put a hold on my money from XX/XX/18 until XX/XX/18 and they're saying that it is because they haven't got the money and that because, I had a bounced check from that same person, I have to wait until they get it. 

The money was taken out of my friends account since XX/XX/18, i don't understand why I have to wait 8 days to get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
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:
Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance Not reported Status Paid, Closed. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$3700.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$5700.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXXT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$3800.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXXDetails Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$1900.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$5400.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-22
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I have received a Annual Escrow Account Disclosure Statement, which I normally receive in XX/XX/XXXX of each, it stated I have Escrow shortage. I called Regions as I know I pay monthy and send extra funds to be applied to my Principal and extra to my Escrow account every month to be sure there is always enough money in my account to cover my taxes and Insurance. I have had a shortage in past due to my home value going up. Last XX/XX/XXXX I received a check for {$730.00} from Regions and when I call I was assured that my taxes and insurance were both paid for the year that the {$730.00} was extra funds which they could not keep on my account. 
I spoke to Supervisor XXXX who states there had been a mistake Regions were suppose to make TWO payments to XXXX XXXX but instead only paid the one. I inquired why I was just being notified and she stated she was not sure. I also noted that the extra funds I had been sending in was not being applied to my Principal and Escrow as I requested on their payment coupons they send me monthly. I have been trying to work with Regions to get this resolved but they do not return phone calls when promised and I have to keep calling. Most recently I spoke to a supervisors XXXX, supervisor XXXX on XX/XX/XXXX, and she promised that she would make sure the matter is resolved and my account is corrected and she promised to be in touch with my by XX/XX/XXXX. I have not heard anything back. Except I have received several letter stating that they are still working on the matter and would be back with me soon, signed by XXXX. Those are not attached as I left them at home but I did save them. NOW, I received a Mortgage Statement dated XXXX that shows a supposed {$410.00} Delinquent amount with a threating statement about foreclosure. And it shows where they have been moving funds around on my account. I received another statement the same day, dated XX/XX/XXXX that shows the amount of my payment that is due for XXXX as {$750.00}. I am VERY upset. I have paid more the minimal amount on my statements every month, so how can I be behind. This is Regions error and I feel they are failing to admit their mistake and correct the error on my account and making things worst by not communicating. I have requested a copy of my loan payment and ledger be sent to me and a call or face to face to discuss and resolve the matter, neither which had happened. PLEASE I NEED HELP TO RESOLVE. Lastly, I have excellent credit and I want something in writing from Regions that their false claim of me being delinquent has NOT AND WILL NOT FASLY BE REPORTED TO THE CREDIT BUREAUS. Please see all the attached documents. Feel free to contact me anytime.

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 2018-08-03
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We have had our home mortgage with Wells Fargo for 7 years. We have had no issues in the past. The end of XX/XX/XXXX, we decided to take all of our checking and savings accounts to Wells Fargo. I made my monthly mortgage payment on XX/XX/XXXX. I made the payment through my new online Wells Fargo Bank Account ... thought the bill pay system. The amount of {$1300.00} debited my bank account the following day. 4 days later we received the courtesy call that our mortgage payment was late. I immediately called Wells Fargo. Online banking services could not help me, so I was transferred to mortgage department. The representative I spoke with was extremely nice, and very helpful. I explained the situation, and she even contacted banking services. She told me they could see where the funds were debited, but were not sure why they had not reached the mortgage department. I told her I was a little confused, since they are all Wells Fargo accounts. She said my payment would be applied in usually 5-7 business days and no late fees would be charged. Fast forward to almost 7 days later, and my mortgage had still not been paid. I called again..spoke to two representatives who were of no help. I called again, and then spoke to 4 representatives, until finally someone made a claim on my account and assured me that it would be resolved. 7 days later, on XX/XX/2018, I receive and email that my claim has been resolved, with no description as to how. I call online banking services, she will not help me. I call Mortgage Services. The representative was very helpful, but explained to me that for some reason my payment had still not been applied to my mortgage, but was being refunded to my bank account. I could now make a payment of {$2600.00} to make my mortgage current. I still have not received the funds back in my account, and I will not be making a payment until I do. I will also be going to the closest Wells Fargo location to make a formal complaint. I am also asking for my mortgage account to be credited for the payments of XX/XX/XXXX and XX/XX/XXXX. It does not make me feel very reassured that no one associated with Wells Fargo can tell me where my money is currently located!

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 2018-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a debt in the amount of {$500.00} for a Capital One Credit Card. I was contacted by XXXX XXXX XXXX and I agreed to pay amount owed if {$500.00}. I completed the transaction via my on bill pay. Payment was completed on XX/XX/18. I was contacted by their collections agent again days later saying I still owed that amount. I explained them to how I made payment and provide the transaction ID and trace number confirmed by XXXX XXXX. Over the past 5 days they have contacted me and demanding me to pay them until they complete their research. They insist that I just " Pay me and then it will be done for sure ''. I asked to speak with a manager and I spoke with XXXX XXXX ( XXXX ) and then XXXX XXXX ( XXXX ). I provided the document from my bank again showing proof of payment. XXXX informed that this document wouldn't matter even tho my bank confirmed this is proof of payment. XXXX gave me two different email address when I asked for and when she did get the email on ( confirmed delivery and receipt ) she read my account number and confirmed it was the same on payment form. I have called to try to resolve but, they give me the run around. I paid the debt, I have confirmation of payment but, no honest results from them or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: ERC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I settled this account and I am no longer liable for this account. this was settled in 2014 and they keep reporting this debt every year on my credit file, even though it was settled in 2014.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: Experian Information Solutions Inc.
State: NY
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 returned the equipment for this account this was over 7 years ago I settled with this company, I keep on seeing this on my credit file over and over again even though I am no longer liable for this account have I already settled with this company in 2014.

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 2018-06-22
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX from Receivables Performance Management called about a " financial matter. '' They would not tell me what it was about until I verified my zip code. I refused. He was using my maiden name ( I've been married for 12 years ) and my current residential address. 

I told him to send a certified letter if this matter is truly " verifiable ''. He gave me his address as XXXX. XXXX XXXX XXXX WA XXXX. And a contact phone number of XXXX. 

They have also called XXXX repeatedly ( 3 times on XX/XX/XXXX, 2 times on XX/XX/XXXX ) They have called XXXX repeatedly ( Over 20 times in the past two weeks ). 

I have received no mail regarding this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : CB/VICSCRT Account Number : XXXX Date Opened : XX/XX/2014 Balance : {$0.00} Reason : Identity theft Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I settled this account and I am no longer liable for this account. this was settled in 2014 and they keep reporting this debt every year on my credit file, even though it was settled in 2014.

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 2018-06-22
Company: Williams & Fudge, Inc
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My family members ( Grandmother and Mother ) are consistently receiving collections calls from Williams & Fudge on a debt I do not owe. They are looking for someone with my same name, that has an outstanding debt with a college in the XXXX XXXX area. I have never lived in California and we don't have the same birth date. I repeatedly have to call them and say you are looking for the wrong person, just to have someone call back. This has been happening since 2012!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
a 2 month deferment was approved in XX/XX/2018 and I was instructed to pay {$1700.00} for the two months of escrow that can not be deferred. Navy FCU applied the payment to the principle and not the escrow and has no jacked my mortgage up {$180.00} a month. After 11 days ( XX/XX/2018-XX/XX/2018 ), of being told the correction would take place within 48hrs, its still has not been down and has caused my mortgage payment to be late due to not having an accurate monthly payment to make

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, XXXX XXXX XXXX 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 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. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: Experian Information Solutions Inc.
State: SC
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 3rd party debt collection agency and they keep reporting to my credit report not following the guidelines of reporting every 60days.

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 2021-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.

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 2021-11-27
Company: Chime Financial Inc
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/2021 Chime XXXX XXXX XXXX, put my account in review, I sent them all the information they requested to verify my identity, the continued to closed my account and tell me XXXX not eligible for a refund, Ive been try contact them constantly, and they wont reply or tell me anything or the reason they did what they did, I had {$17000.00} In my checking account, my life had been harsh since they took my money please help me

Company response to consumer: Closed with explanation