BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-08
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX, my 3rd Party User, received a call from XXXX XXXX, Relationship Manager, Mortgage Assistance ReApplication Review Team ( ID # none ) on XX/XX/XXXX @ XXXX XXXX, on phone 19mins regarding the (XX/XX/XXXX) letter restating their decision to which XXXX requested again asked to what SERVICING AND LOSS MITIGATION, FHA Pre-Foreclosure Sale ( PSC ) Handbook 4000.1, Section Guidelines was the decision based on she didnt know put XXXX on hold to come back and said she would call him back.

Previously XXXX called XXXX, on XX/XX/XXXX @ XXXX XXXX, on phone for 92mins to Change in Circumstance Team to XXXX XXXX, Department Review Specialist ( ID # none ) stated the short sale option was continued decline from their ( XX/XX/XXXX ) decision because of the loan delinquency presently ( 152 months ) and the marketability of the property. XXXX asked to speak to a Supervisor, XXXX XXXX, Executive Office Support Group was not a Supervisor XXXX asked to speak to a Supervisor dropped call. XXXX called back at XXXX XXXX, on the phone for 16mins to XXXX XXXX, Escalations Case Manager XXXX. XXXX requested since CHASE, the servicer for the investor Case # XXXX, what were the FHA Guideline Sections pursuant to delinquency and marketability of a property. He did not know yet assured XXXX he would escalate questions that someone would get back to him by email or phone call also stated further communication needed to be forward to, XXXX, Executive Office Research Specialist, Case # XXXX @ XXXX ext.XXXX.

Mr. XXXX forwarded XXXX a copy of their ( XX/XX/XXXX ) 5 pages decision [ exculpatory evidence ] where CHASE continues to violate, Sections III.A.2.l.ii. ( B ) ( 1 ) ; III.A.2.l. ( 2 ) ( a ) ( iii ) and III.A.2.l. ( 3 ), where the ( minimum 31 days delinquency ) period is and marketability has to do with ( condemned ) my property is not condemned. For these reasons, I was compelled to file ( Bankruptcy XXXX  ) because we are not being allowed to short sale our property to avoid a deficiency judgment and/or foreclosure on our credit reports.

UNDER PENALTY OF PERJURY, we have examined the statements of fact presented in this letter with XXXX and to the best of our knowledge and belief is true, correct and complete. All calls were monitored and recorded ( phone transcript ) will verify the conversation with the above said Parties, etc.

Sincerely, XXXX XXXX XXXX and XXXX XXXX XXXX, Homeowners ( Married )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
BEEN FAXING SINCE XXXX SEE PROOF! XXXX XXXX IS LOSS MITIGATION SPECIALIST XXXX DIRECT NUMBER WAS ON THE SO CALLED FOREBEARANCE DIDNT TELL ME THAT I HAD TO PAY BACK! FAXED IN MODIFICATION THEN SAID PAYMENT NOT DROPPING BUT DONT CARE IF THE SAME RATE AND PAYMENT CANT AFFORD 12 MONTHS PAST DUE! THEN XXXX XXXX SAID MAKE 1 PAYMENT WILL PUT REST AT BACK END OF LOAN! NO ONE KNOW WHAT IM TALKING ABOUT SHE NEVER PICKS UP THE PHONE! COMPANY IS THE WORST.!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
CFPB COMPLAINT Recently I was checking my credit and I found these accounts that don't belong to me. My personal information was a part of the XXXX Data Breach in XXXX and I assume that is when my identity was stolen. These accounts are the result of identity theft. None of these fraudulent accounts are related to any of my legit transactions. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. 

These are the fraudulent accounts : XXXX that opened last XX/XX/XXXX, XXXX XXXX that opened last XX/XX/XXXX, CAPITAL ONE opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX OF XXXX opened last XX/XX/XXXX, DEPT OF EDUCATIONXXXX  opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX  opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX  opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX, and DEPT OF EDUCATION/XXXX  opened last XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the account with XXXX XXXX probably four times due to inaccurate information being reported. The company continues to verify the information as accurate. My most recent disputes pointed out that the balance is inaccurate. The company continues to randomly change the balance. The balance is now reporting as {$800.00}, but that could change at any moment. The original charge off balance was {$680.00}, which I pointed out in my dispute letter. There is no added interest to this account. I have attached a document directly from the company sent to me on XX/XX/2021 that shows the balance as {$680.00}. Please look at the document. At the same time, the company continues to report a higher balance to the credit bureaus. This is not right and is against the Fair Credit Reporting Act. Equifax can not allow companies to report inaccurate information after a consumer disputes the information and provides proof. This is my second documentation to Equifax about the balance. The information has not been corrected and the account is still reporting inaccurately on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I'm a joint owner of this account. The account fell pass 30 days, Schoolsfirst never notified me, called or email. Myself and the primary owner are divorced and I dont have any contact with her. Now my credit shows 30days late, I had no idea that account was late. Schoolsfirst will not provide a web login, they wont even let me know the address on file. They never sent my any any invoices to my address. I want the 30 days late removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: Experian Information Solutions Inc.
State: MD
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:
UNAUTHORIZED INQUIRIES XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2021-06-10
Company: CMG MORTGAGE, INC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In the beginning of COVID our mortgage company CMG FInancial reached out to us to offer assistance to defer our mortgage. We agreed to do that. Then when FHA allowed a program for putting the balance at the end of the mortgage loan. A Partial Claim Deed of Trust was signed by us for the amount of XXXX. We resumed making mortgage payments on XX/XX/2020. Even though we were highly discouraged from making them from customer service since they didn't have the signed documents back from the " investors '' of the deferral who was allowing us to do a Partial Claim Dee. We have made payments ever since. I spoke with a loan counselor in XXXX. She and I went over every payment I made which she could see on her end and I could verify through my bank account. She sent emails to her supervisors stating that there is an error. She also requested on my behalf a face to face meeting with CMG since it is an FHA loan. Today, XX/XX/XXXX there is no resolution and I just received my mortgage statement still requesting XXXX and stating that are past due in the amount of XXXX and we are 3 months past due. They are trying to apply current payments to supposedl late payments, but again we have been making payments since XX/XX/2020. I have called them every SINGLE month with them promising resolution and yet here we are. I don't know what else to do other than go outside of them and try to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
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:
I disputed a collection letter from eastern account systems representing XXXX XXXX. I did not receive a formal response to my dispute.

I had internet/ phone service with XXXX from approximately XX/XX/XXXX to XX/XX/XXXX. I NEVER received an accurate monthly bill having been required to call each and every month I had service to dispute the charges. Some months the bills were adjusted, some months they werent.

At the end of my service, I was asked to return there equipment in postage paid boxes which I did. I was billed for that also. All this information was provided to eastern credit which they apparently ignored? I have copies of all my bills with dates, names and resolution each time I called. No one has asked for any of this information! 

Thanks XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: DISCOVER BANK
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
From about XXXX to XXXX Discover bank tranfered money from my other charge cards adn from their charge card to a fake discover card that they or someone ueing their sites> I called them evry month NO help I stop paying these illegal tranferes in XXXX. The amout that they took from me is over {$30000.00}!!!! 
I recieved a Tax form XXXX on XX/XX/XXXX stating that theycancelled a dept of {$6200.00}! That was money on the {$10000.00} that the took from my charge card that I had with them minus the money I payed them brfore I stop payment due to them illgelly taking money from my other charge cards and MY BANK!!!! 
They did take me to courtin XXXX. And they droped the case when I proved that the took money illegally from me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Blackhawk Network Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I was issued a prepaid XXXX debit card by the New York State Department of labor during the pandemic as an essential worker. I only used it to withdraw cash from one particular ATM, the XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX branch, because it did not charge any transaction fees. I was shifting my residence in the last week of XXXX. So, I did not go to the bank. I went to withdraw money on XX/XX/XXXX and noticed a depleted balance. I got suspicious and went online to look at the transactions. To my shock I found 5 fraudulent withdrawals from ATMs of banks, that I never visited in my life. Not once did i leave my debit card unattended, nor did i use it for any online or brick and mortar shopping. I immediately reported it to the debit card company. They send me a dispute form and the list of fraudulent withdrawals and told me to contact the police to file a report. When I visited the nearest police station, they insisted on having an affidavit to even take a complaint. They also asked me whether I was using a XXXX phone. When I replied positively, they said that XXXX XXXX phones were hacked and data was stolen.I plan to download an affidavit form and get it notarized and visit the police station again

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: EVERBANK, NATIONAL ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I received a letter from TIAA Bank stating that my 5 year CD would be set to mature after 1 year on XX/XX/XXXX. I am not agreeing to this unless I can get TIAA Bank to guarantee in writing that they will not charge me any kind of early withdrawal penalties or guarantee that they will not change my interest rate to that of a 1 year CD or add any additional fees at the closing of the account. My online bank access shows that the CD will mature on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hey, I was taken advantage of, due to malpractice, while several laws under the FCA were being broken by your company. This is causing me financial injury, this is causing me defamation of character. I can't get a job, I can't apply for credit. I can't even be approved for pandemic based programs and this is hurting me deeply. Please look into it. Thank you!

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 2021-02-17
Company: BMW Financial Services NA, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
My mother is XXXX years old!! They called her 7 times today alone!! I told them, on a recorded line, to stop harassing my mother yet they persist. My mother is now afraid to answer her telephone. We are in Texas in the mist of one of the worst winter storms on record and they will not stop!! This should be illegal!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: CREDIT ACCEPTANCE CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: EQUIFAX, INC.
State: AR
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:
I am submitting, once again, this CFPB Complaint to request to you to correct the information you report on the following account. When I checked my credit record, the previously disputed erroneous accounts are still reporting inaccurracies on my Credit File. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I called ( who I thought was my loan servicer ) Great Lakes. After spending extensive time on the phone and after providing them with my social security number they asked me for a payment of {$600.00}. I knew something was off, so I made an excuse to get off the phone. I called the REAL Great Lakes and spoke with someone who explained that I was a victim of spam/potential identity theft. I followed their recommendations to keep my loan information safe, but am concerned this spammer will try to use my social security number for malicious intent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I checked my free credit report and there is a credit card ( XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX ) that shows a {$5000.00} balance as of XX/XX/2018 ( from {$130.00} ). I have no recollection of ever making such a huge charge, ever receiving any billing statements showing these charges.

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 2018-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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, I pulled a copy of my XXXX credit report. Accordingly, there are two Capital One Revolving credit accounts listed. However, under each tradeline, Capital One reported my accounts as " 30-day ( s ) late '' from XX/XX/XXXX until XX/XX/XXXX. However, I 've been in an active Chapter XXXX bankruptcy since XX/XX/XXXX. Accordingly, I can not have been late on the Capital One unsecured debt ( s ) since they were included in Chapter XXXX automatic stay from XX/XX/XXXX until XX/XX/XXXX. Also, Capital One is violating the FCRA Direct Dispute provisions and violating the Dodd-Frank Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am XXXX XXXX and i am submitting this compliant myself and there is not third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan is writing today to report and issue. 

I entered a consumer credit transaction with the following companies : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX, CAPITOL ONE BANK, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX BANK XXXX XXXX XXXX, XXXX XXXX, XXXX and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. They are claiming they originated the credit I extended to them in which constitutes fraud. Pursuant to Federal Law, they have committed fraud and several violations of the FDCPA and TILA. 

I pulled my credit report and disputed items on my report to XXXX, XXXX AND XXXX. They have not provided me with any original documents, and they have disregarded the law in saying they have verified the debt. Fair Reporting Act Section 609 ( a ) ( 1 ) ( A ) states you are required by federal law to verify through physical verification of the original signed consumer contract. I asked for verifiable proof ( an original consumer contract with my signature on it on XXXX  occasions : XX/XX/2021 & XX/XX/2021. The failure to positively these accounts has hurt my ability to obtain credit. They have taken advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt. They have not validated anything they have ruined my character and general reputation by reporting erroneous information on the consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. They act as if they are unaware of what I am requesting or that the law does not apply to them. 

In addition, per the Fair Credit Reporting Act they didnt notify me of the investigation results within 30 days. 
I want them to zero out the account with the company or pay {$5000.00} in damages.

Company response to consumer: Closed with explanation