BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-09
Company: JPMORGAN CHASE & CO.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021, my bank ( XXXX XXXX ) made a wire transfer on my behalf to JP Morgan Chase Bank, ABA XXXX, Account Number XXXX. The amount transferred was {$17000.00}, in payment for an antique automobile that I was purchasing. 

On XX/XX/2021, I discovered that I had been scammed by the account holder. The business entity which had solicited my payment could not be contacted by phone or e-mail. 

On XX/XX/2021, XXXX XXXX attempted to recall the wire transfer and was informed by Chase that the funds were unavailable for return. 

I subsequently called Chase Bank to ask for assistance but was told that, since I was not an account holder with Chase myself, they could not help me. 

I filed complaints with the XXXX XXXX XXXX XXXX XXXX ( XXXX ) system as well as the FBI Internet Crime Complaint Center and called the Consumer Financial Protection Bureau. 

The police in XXXX XXXX, Virginia, where I live and the XXXX, Florida police have informed me the bank records of that account would have to be subpoenaed and investigated in order to prosecute for recovery of the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: EQUIFAX, INC.
State: PA
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 requested that this account be verified previously and it was removed from my credit report. I requested validation again and they are ignoring my request. Since when can an account be added back to a credit report with a different name and more inaccurates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: Mr. Cooper Group Inc.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Seterus reported that I was late on my mortgage on XX/XX/XXXX and XX/XX/2018, which was not true. I mailed the cancel checks to them in XX/XX/2018. I spoke with a Rep, XXXX XXXX he stated that he would correct the record and report it the credit bureau. This is did not happen! I called back in XX/XX/2018 and spoke with XXXX XXXX which told me that the letter to the credit bureau was mailed XX/XX/XXXX. This is still on my credit report to date. I just received a email from XXXX that my XXXX payment was not made or late. I called Seterus and spoke a woman named XXXX she told me that my payment for account # XXXX was put on my other account # XXXX, She corrected the payment and said she would again send a letter to the credit bureau. I have requested copies of these letters which I was told that they would be mailed to me. I have not received any letters from Seterus to date. Saturday XX/XX/XXXX I received a another letter stating that I was in default on my mortgage payment ( # XXXX ). Seterus is the worst company I have ever dealt with in my entire Life. Thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
A {$50.00} charge on XXXX/XXXX/2017 was made on my Citibank credit card that I did not make. I filled a dispute with Citibank. After Citibank " investigated, '' Citibank closed their investigation and charged me again. 

The documentation provided to Citibank from the merchant clearly shows a person with a different name made the purchase and mailed the item to a state 500 miles from my home.

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 2019-02-13
Company: Trojan Professional Services, Inc.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have disputed this debt in collections on my credit file several times. I have never received any information as to what this debt is for. I was not given a chance to rectify this before it was reported to my credit file. The credit bureau only updates my credit file stating the debt is accurate however the credit bureau nor the collection company has ever given me any explanation. Also I have no idea what Trojan Professional is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-15
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: Information belongs to someone else

Complaint:
Im am a victim of identity theft and as a result, there are accounts on my credit that I have no knowledge of. Please remove and block these accounts from my report as it is causing stress and hardship.

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 2018-02-01
Company: PENNYMAC LOAN SERVICES, LLC.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our first tax bill, received in XX/XX/XXXX, was due onXX/XX/XXXX. We called XXXX XXXXn late XX/XX/XXXX in order to be sure there were no issues and in an attempt to have the taxes paid inXX/XX/XXXX. They said they had numerous requests and may not be able to get to It inXX/XX/XXXX.

I called XXXX on XX/XX/XXXXand was told they would pay the taxes before the end of XX/XX/XXXX. I reminded them the taxes were due onXX/XX/XXXX and our escrow account had the funds to cover the taxes. I spoke with XXXX on that call.

The next time I called was on XX/XX/XXXX the date the taxes were due. XX/XX/XXXX told me that XXXX  usually wired funds on the due date to the taxing agency along with a list of the property owners. She said she would follow up and let me know on the following day. She did not call back the following day.

OnXX/XX/XXXX I called XXXX and spoke with XXXX  and was told our tax payment had been expedited and our taxes would be paid within the next 5-7 business days. He also told me that they would withdraw {$1600.00} ( the actual tax due ) from our escrow account and XXXX would pay the {$44.00} late fee. In actuality they took the entire amount of {$1700.00} from our escrow funds.

On XX/XX/XXXX XXXX  called me back and told me our Parcel ID was uncertified per XXXX County and that XXXX got the problem solved with XXXX   County. Then she said our Parcel ID number is now certified and XXXX would pay the taxes owed.

I called XXXX  Countys Assessor Office, Auditor and Treasurer. None of them had any idea what Parcel ID Certification meant. I was told by the Treasurers office they had received funds from XXXX in XX/XX/XXXX but our taxes were not included. XX/XX/XXXX County Government address is : XXXX XXXX XXXX XXXX XXXX SC XXXX. Phone : XXXX

We are unhappy with how XXXX this was handled by XXXX. Due to XXXXs failure to uphold their fiduciary responsibilities and causing us to pay for their error, we believe the escrow account requirement should be cancelled free of any charges to us and allow us to handle the taxes and insurance in a timely manner. We paid {$330000.00} for this house and our mortgage balance is {$120000.00}. We have paid the mortgage payment plus additional funds toward the principal each month. XXXX is well protected and would assume no serious risk by cancelling the escrow account requirement.

Attached : XX/XX/XXXXTax Notice XXXX statement Notes from phone calls with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: U.S. BANCORP
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
Paid off a lease with US Bank in approximately XX/XX/XXXX. In XX/XX/XXXX, XXXX more than 6 months later ) I began receiving statements for {$52.00} for " Misc Non-taxable '' with no other explanation. I returned the first one with explanation that car was paid off. The next month I called and XXXX claimed it was a Pennsylvania toll fee from XXXX. The date did not seem to line up with past travel, but so much time had passed that I requested proof ( toll invoice including picture of my vehicle ). They said they would mail but could NOT scan to me. In XX/XX/XXXX, I still had received nothing, so called again. XXXX said file appeared to indicate that it was mailed, but she would try again. Still nothing! Talked to XXXX again in XX/XX/XXXX and she was not sure why mailings had not been sent. In XXXX I wrote a detailed letter and asked that they provide the proof or stop harassing me. 
In XX/XX/XXXX, I talked to XXXX and he claimed details were sent twice but he did not have access to them and again NOBODY could sent them via email ( which is ridiculous ), I requested they try to mail again. About a week later someone who sounded just like XXXX called me and got very nasty and indicated I should pay whether I had the proof or not because it was my leasing company requesting the money. Absurd! I have spent so much time attempting to determine whether this is my bill. First, not sure why they didn't bill it at the time they paid it, second, why it wasn't included in my payoff figure, and third what is so difficult to provide the info I have repeatedly asked for. This has become emotionally draining for me and it needs to stop.

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 2018-02-18
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/2015 a balance of {$0.00} from XXXX XXXX Bank appeared on my XXXX  and Equifax credit report. I am challenging XXXX and Equifax to verify this account Per Section 609 of the Fair Credit Reporting Act. This is a consumer disclosure section which is to provide for the protection of consumers against false or erroneous reporting.This section of the ( FCRA ) places the burden upon the credit bureaus and creditors to provide the credit bureau a copy of the ordinal creditors documentation. Whatever I filled out and signed upon opening the account with the reporting creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: Flagstar Bank, N.A.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, we filed a property loss claim with our insurance company for roof damage. Prior to the property loss our mortgage company changed from XXXX to Flagstar. After filing the claim, we received the insurance check from XXXX XXXX for {$5100.00} for repairs to the roof. However, once we received the check we noticed that the check was written to both me and my husband and to XXXX instead of Flagstar. XXXX XXXX replaced the check with the correct mortgage company and notified Flagstar that the check needed to be endorsed. Flagstar requested information from us and we provided everything requested. Flagstar continues to hold the check for the last 3 months and continue requesting information from us that, again, we provided. When I contacted Flagstar by phone about the check they stated that the check was mailed. After a week, the check had not arrived. I contacted Flagstar several more times and they continued to inform me that the check had been mailed. When I mailed the check to Flagstar for endorsement, I sent a pre-paid envelope with it. I was told that the could not find the pre-paid envelope to mail it. Then I was told they could not read the tracking number on the XXXX label. I called the company over a span of two weeks or more and they continued to tell me the check was mailed. I received an email from Flagstar on XX/XX/XXXX stating that " the claim check has been endorsed and released and sent to you via regular mail to the mailing address on file. '' They had specifically told me last Friday, XX/XX/XXXX that the check was mailed in the XXXX ( prepaid ) envelope sent to them from me. This process has continued for 3 months and when I request to speak with a supervisor, I am always told " no supervisor is available '' or that they can put me on a call back list and the supervisor will contact me in 24 to 48 hours. There has not been a call from a supervisor from that company. We have a contractor that has been waiting for several months to repair the roof and the mortgage company keep holding the check and falsifying the fact that the have not sent the funds. 

I believe this company is committing fraud and should be investigated.

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 2018-06-15
Company: ALLY FINANCIAL INC.
State: HI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Ally Financial is incompetent at getting me a letter so I can put my car on a ship and send it from XXXX to XXXX. The communication is horrible and I am running out of days to ship my car. They already send me the wrong letter! 

After sending me the wrong letter, they asked me for more info to send the right letter, why didn't they ask for the right info in the beginning!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: American Collections Enterprise, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
In XXXX, I was dealing with one person, a guy. I told him my situation and asked if I can settle. He said he will check and came back and said no so I have to pay the full amount. I explained my situation again and told him that I am unable to pay the whole amount at this time at which point he got out of control screaming at me and threatening that he will mark me as refusal to pay just before he hung up on me. 
Around the beginning of XXXX, I started talking to a new lady, XXXX I believe who is always on the edge of aggression and i made a payment with her. On XX/XX/XXXX she called again asking for a second payment in one month. And I told her, if there was a possibility of settling so I can pay the full amount. At this point I was tired of dealing with them in general and their abusive tone. She got mad and screaming, I asked if I can speak with the manager. The manager, XXXX started speaking to me very calmly and I was relived, till I started explaining my self and told her and her response, " well go get a job and pay this ''. All I was asking was, would it be possible for me to send a letter to the creditor explaining my situation to see if they would decrease the amount in at least a {$100.00}. She criticized me, told me how stupid my life decisions was, threatened that she has been doing this for 32 years and that I would see this on my credit report every time I apply for something. and at last Hanged up on me! The fact that the manager is the rudest of all, shows why the rest of the employees are rude too. They are a complete headache and literally affect my health every time I speak with them. It has been the main cause of my anxiety this days. Due to my health issue, I had to deal with different debt collectors who were more than understanding of my situation and what I went through. I paid off debts that are more than double the amount of this fully and this is the last and smallest debt left in my credit report yet the one driving me to another health crisis. All I wanted was to see if I would be able to send a letter to XXXX in XXXX through them and asking for a little lower payment. but what did I get, screaming, abuse and judgment.

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 2018-02-18
Company: Experian Information Solutions Inc.
State: OH
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 was denied an apartment with XXXX XXXX on XX/XX/18 because of my credit score. Upon looking at my Experian report, I noticed several inaccuracies. When I attempted to contact Experian online, I was told my dispute could not be filed.

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 2018-02-18
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was served with paperwork in XX/XX/XXXX that I was being sued by XXXX XXXX XXXX for the amount of {$1300.00} for an old credit card account with XXXX XXXX. I was told I had to contact XXXX XXXX to prevent legal action from being taken. I immediately called and set up payments to them, with post dated checks. I made a payment in the amount of {$320.00} to be debited from my account on XX/XX/XXXX, and then {$150.00} on XX/XX/XXXX, XX/XX/XXXX,  and then set up for a {$150.00} every month until XX/XX/XXXX, and then in XX/XX/XXXX {$100.00} to be debited and the debt paid in full. I received another notice in the mail on XX/XX/XXXX that a default judgement was entered against me in the amount of {$850.00} when the total I owe is only {$700.00} after these 3 payments have been made! I tried to contact them multiple times to find out why they are continually suing me after I set up a payment agreement with post dated checks, because the second judgement was for an amount less than what I owed in XX/XX/XXXX. I left multiple voicemails asking them to return my calls to discuss why they are continually suing me even though I have set up payments and they will not return my calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-29
Company: FC HoldCo LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have found out there are some hard inquiries on my credit report that I do not have knowledge about. The dates for this actins taken was on XX/XX/2020 and the company names are Flagship Cree, and XXXX XXXX. I tried getting in contact with these two companies but still havent heard anything from them.

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 2021-01-26
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
LVNV FUNDING continuously updates the 'date of last activity ' to XXXX . They also report 3 completely different 'date of last activity ' to all 3 credit bureaus. I have disputed directly with LVNV and all 3 credit bureaus. The only responses I have received is " This account is verified ''. How can an account with 3 different DOLA be verified? This proves that there has never been an investigation of this account. 


The reporting of the 'Date of last activity ' is reported as is : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: WELLS FARGO & 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:
Wells Fargo insists on reporting a fraudulent account on my credit report. I wrote the several letters in the past notifying them I never lived in the state of Georgia and I did not open this account they sent me a letter requesting a police report but XXXX Police Department advised me to acquire more information from Wells Fargo that they refuse to send. Afterwards they sent me a letter stating that found no evidence of fraud and re-inserted the account back on to my credit report which I don't understand because I have never lived in Georgia. I am extremely frustrated by the process I have had to go through to remove this fraudulent account from my credit report and I feel like someone has purchased my information because there is one additional fraudulent account reporting which is an account with XXXX XXXX also from the state of Georgia.Credit card companies allow just about anyone to apply without a through verification of their identity. 
They state they determined the account belongs to me but sent me no information in regards to how they went about " verifying '' this is pure financial XXXX  Please see the attached letters I have sent to Well Fargo.

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 2019-02-13
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I called XXXX to initiate the process of having my PMI ( FHA MI ) removed from my account. According to my original loan agreement after 5 years, I am eligible to have my home re-appraised at MY expense to recalculate Loan to Value ratio. If the LTV is at or below 78 %, the mortgage insurance will be removed. So I called XXXX to start the process. I have since called 4 times over 2 months and they refuse to give me any information, refuse to respond to me. I can only speak with customer service, can't speak with a supervisor, nothing! Total lack of information. 
REMOVAL OF MY MORTGAGE INSURANCE IS MY RIGHT under the agreement and they refuse to honor it. 
Here is my telephone history : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX spoke with XXXX XXXX and emailed at XXXX ( no response ). Called XX/XX/XXXX spoke with XXXX XXXX and was only able to read back my email I sent. NO update info at all. No one else to speak with. I have no other option but to seek CFPB 's help!

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