BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Chase is in violation of CA laws barring contribution to 2nd lien holders in short sales. Chase is also in violation of debt collections practices act on a discharged debt. There needs to be an immediate investigation into Chase 's practices of unethically extorting cash from non debtors on debts that have been charged off. 

At issue is a short sale request that submitted to Chase on XX/XX/18. At the time the short sale was submitted we were notified by Chase, ( the 2nd lien holder ), that they were in the process of doing a lien release on the property. Once Chase discovered that the property had an offer they decided to change their mind and remove the debt from lien release. This debt is tied to a debtor who did a Chapter XXXX bankruptcy and there is ZERO equity on the property due to the amount owed to the 1st lien holder and delinquent taxes. The fact that Chase removed the debt from the lien removal process once they discovered there was a pending short sale is unethical however the issue is the fact that Chase is trying to illegally require contributions on this short sale whereby they were they will receive XXXX dollars should the property go to foreclosure auction on XX/XX/18. 

Chase was offered a very generous XXXX from 1st lien holder for their lien that has zero equity. Instead of doing what is ethically required Chase came back and demanded an outrageous amount of {$210000.00}. This obscene and illegal demand is outrageous. Chase has concurred they have ZERO equity on the property. Chase advised they were in the process of doing a lien release for XXXX dollars. Now all of a sudden they are illegally trying to demand outrageous contributions of {$210000.00}. There needs to be a class action suit for this type of egregious extortion tactics. CA law does not allow seller to contribute on short sales and the seller filed Chapter XXXX. The fact that Chase is demanding a contribution is in itself illegal. Demanding that a buyer of a property that has no obligation to another party 's debt pay an outrageous demand is insulting and causes real harm to buyer for which they have the option to seek legal relief. Chase needs to accept what 1st lien holder has offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: Chrysalis Holdings LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX XXXX has constantly sent letters in the mail and harrass me about refinancing my VA Home Loan with them for cash in my bank account after I called their company on numerous occasions that I am not interested in their service. 

I do not want this company contacting me through the mail or phone calls anymore. They are to remove my address and number from their solicitation list and leave me the XXXX alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
WHEN COVID-19 MY MORTAGE SIGN ME UP WITH A LOAN REPAYMENT PLAN NOW THEY REPORTTING ME TO ALL 3 CREDIT OFFICE THIS HURT MY REPORT. THEY SAID I MISS XXXX XXXX XXXX. THANK YOU VERY MUCH

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 2020-08-26
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2020, CashCall Mortgage transferred the servicing of my loan to XXXX XXXX. On XX/XX/2020, CashCall withdrew {$1500.00} ( a mortgage payment ) from my account. I was not sent an email notifying  me of this transaction as was the protocol for all other payment receipts. When I saw my bank statement, I contacted the company and was told that a refund check had been issued. Unfortunately, I was told that it was sent to the property address not my mailing address. The property does not receive mail. I have contacted the company numerous times over the past 3 weeks ( it has been over 7 weeks since withdrawn ) to seek refund. I have spoken with supervisor XXXX XXXX on the last few calls and am promised resolution, but none is forthcoming.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: EQUIFAX, INC.
State: AR
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX   XXXX {$1100.00} XXXX XXXX {$2000.00} XXXX XXXX {$5100.00} XXXX XXXX {$13000.00} XXXX XXXX   XXXX {$23000.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$260.00} XXXX XXXX {$720.00} CHAPTER XXXX BANKRUPTCY  XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: Diversified Consultants, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
My name is XXXX XXXX and I had a past due bill with XXXX XXXX in the amount of {$1000.00} that was sent to collections. The name of the agency is Diversified Consultants. My account number with collection agency is XXXX. I resolved the payment with XXXX XXXX and paid full amount in agreeing to have information reported and retracted from my credit report. XXXX XXXX agreed to have information deleted and forwarded information over to Diversified Consultants. When reaching out to diversified  consultants myself and explaining to them that XXXX XXXX has agreed to delete information from credit report, Diversified Consultants responded they are not able to do anything but report that the payment has been paid in full. I have documentation of agreement between myself and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-29
Company: U.S. BANCORP
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I was in debt with US Bank and it was turned over to XXXX XXXX XXXX to collect the debt, and on XX/XX/XXXX they filed a complaint with the court of XXXX county, in XXXX IL for the amount I owed them {$11000.00}. 
On XX/XX/XXXX I filed for bankruptcy with XXXX XXXX with XXXX   XXXX XXXX XXXX. 
I was granted a discharge on XX/XX/XXXX United States Bankruptcy Court of XXXX Illinois case No. XXXX chapter XXXX. But now 5 1/2 years later I am trying to buy a house and XXXX XXXX tells me that I have an unsatisfied judgement against me that came up on me through court records. Apparently the discharge from my list of collections were all listed and most said NA for balance discharged, but unknown to me the balance for discharge to XXXX XXXX was listed as only {$1000.00}. My attorney has informed me that since this debt was all incurred before I filed for bankruptcy, the balance owed is all discharged, and the balance listed should not matter. XXXX XXXX   says they will not give a loan for a house until this judgement is satisfied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: Harris & Harris, Ltd.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt showed up on my credit reports from Harris & Harris Ltd. I sent a debt validation letter certified mail to them to verify this debt they signed for the letter on XX/XX/2018 and miraculously mailed a bill out to me telling me if I do not notify them within 30days they will consider the alleged debt valid and proceed with it. In the process they added extra debt to this letter on top of the debt they already claim I owe. I have followed the federal and Texas laws as to asking for validation of debts they claim i owe and as they claim it to be medical debt i asked for all supporting documents to validate this debt as mine. I have also checked with the secretary of state website to see if this collection agency is bonded to in the state of Texas and they are not so they are not even allowed to attempt debt collection in the state of Texas. I am concerned as they claim this is medical debt if they possibly are breaking the HIPAA laws in there illegal practices of collecting debts.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The XXXX XXXX XXXX continue to call my job after telling them to decease. 
The dates and times are ( XXXX, XXXX XXXX-XXXX,XXXX ), ( XX/XX/20 - XXXX-XXXX,XXXX ), ( XX/XX/20-XXXX-XXXX, XXXX ), ( XX/XX/20-XXXX-XXXX, XXXX ), ( XX/XX/20, XXXX-XXXX, XXXX ), ( XX/XX/20, XXXX-XXXX, XXXX ), ( XX/XX/20, XXXX-XXXX, XXXX ), ( XX/XX/20, XXXX-XXXX, XXXX ), ( XX/XX/20, XXXX-XXXX, XXXX ), ( XX/XX/20, XXXX-XXXX, XXXX ), ( XX/XX/20, XXXX-XXXX, XXXX.Please cease

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX, believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX Capitol One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ad Astra Recover Services has listed an alleged debt on my three credit reports which I have no firsthand knowledge of and no contract in existence proving the debt reported is legally valid. No solicitation of service was ever performed and no request for the services this organization provides was ever requested by me. I have sent two certified letters dated XX/XX/2018 and XX/XX/2018 requesting verification that the alleged debt is mine, including any documents bearing my signature agreeing to this alleged debt. Ad Astra Recovery Services. has responded to the letter from XX/XX/2018 with a printout of an itemized document ; however, they have not responded at all to my second letter request for signature validation of alleged debt dated XX/XX/2018 which also informed them that according to FTC opinion letter from XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. I have yet to receive any verifiable contract or document bearing my signature or a second response ; however, they are still reporting inaccurate information and have not reported the account as disputed on my credit reports. I am very serious about my credit and their inaccurate reporting has caused damage to my credit, my ability to get credit and my reputation. I am requesting that since they can not provide indisputable proof bearing my signature of the alleged debt that this account be removed from all three credit reports and that this collection agency cease and desist from trying to collect from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We were in debt trouble in 2008. So we apply for this Home Equity loan In XX/XX/2008 with XXXX XXXX Chase. The home estimated value was around {$60000.00} with an first mortgage also around {$40000.00}. They offer us a loan value {$95000.00}. After 14 years of paying on this loan the amount is current at {$85000.00}. We have been trying to find a way out of this loan but the home value has not no where come close to refinance. My question is this loan consider to be an subprime or predatory lending loan? If so is there a way out?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
These are not my accounts. I have sent certified mail requesting Assignment of Debt, Method of Verification and Validation of Debt. I was not looking for a response from e-Oscar system. It's been over 30days with no response. 

Accounts : 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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX violated my rights Under 15 USC 1681 a number XXXX. XXXX assumed this role without permission not only that you did not have my consent. 
Under 15 USC 1681 a number 4. I did not exercise your grave responsibility you were unfair, you were partial and you did not respect my right to privacy.

already filed a CFPB report and an attorney general 's complaint. I can give you the CFPB report. ( File the CFPB report a few minutes before calling ). 
You never had a permissible purpose Under 1681 b number 2. I never instructed you to furnish this report or to create this report. I never consented to this report in the first place.

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 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
This is NOT a duplicate complaint. I am representing myself. I am NOT a third party. I have also attached a photo of a utility bill and a photo of my social security card for PROOF of identity along with a report from XXXX to show EVIDENCE that this creditor is violating my rights. In accordance with the fair credit reporting act *XXXX XXXX XXXX account number # XXXX has violated my rights and 15 USC 1681 section 602A. States I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I am not a third party I am representing myself. Every piece of information on this account is NOT reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % ACCURATE! I have attached a report from XXXX to show PROOF that this creditor is in direct violation in accordance with the Fair Credit Reporting Act ( FCRA ). The dates of last payment and the dates last active are DIFFERENT with all three credit bureaus. The account status is DIFFERENT with all three credit bureaus. The dates for " Date Opened '' are DIFFERENT with all three credit bureaus. And again... all of this is PROVEN in the file attached to this complaint.

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 2018-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
On XX/XX/2018 I notified Transunion of a dispute involving two bankruptcies reporting on my credit report. I requested an investigation and verification of the public record information in the report. On XX/XX/2018 Transunion submitted the results of their investigation and stated that the matter had been investigated and came back verified. They went on to state that the verification had been performed and that the name and contact information of the furnisher of information was on the report. The report listed the two public records and the bankruptcy court as the furnisher of information. The bankruptcy court for the XXXX XXXX of Louisiana has informed in writing that the court neither verifies, confirms or reports information to credit reporting bureaus. Moreover, prior to initiating the dispute, I placed a security freeze on all information contained in my XXXX XXXX files. That security freeze became effective on XX/XX/2018. At the time of the investigation and verification, the security freeze was in place and also prevented the verification of the public record which Transunion claims to have verified. Transunion has failed to verify the information as accurate and therefore the records should be deleted. 
After receiving the verification from Transunion, I contacted XXXX XXXX to inquire whether any request had been made for information in the XXXX XXXX files and if so, who were the recipients of the information. I was informed by XXXX XXXX that as long as the security freeze remained in effect, no information from my files could be dessiminated. Transunion 's assertion that the public records were verified is dishonest.

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 2019-04-15
Company: Credit Counsel, 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: Account information incorrect

Complaint:
I had received a Refund check for my Gap Insurance on my car for XXXX on XX/XX/2018 months later this company sent me a request to refund the money back they said they sent the check by error, how was this by error when I canceled my gap insurance with this company I had sign all the paperwork for the cancellations, I called my lawyer and he sent paperwork requesting proof of the error. So they put this on my credit report, so I disputed it and it came off my report but its still on XXXX  which it shouldnt be so this is the reason why I filing this claim

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was billed for XXXX from XXXX. The bill was late and sent to a collection agency. I made arrangements with USCB agency and successfully completed payments. The arrangement was made that if payments were made timely no collection acct would be put on my credit report. This was done over a year and half ago and was all successfully paid and completed then out of nowhere USCB places a collection on my account last month and shows it still owing. I contacted USCB and they said to contact XXXX. I contacted XXXX and they said to contact USCB. Neither party is helping but both parties acknowledge acct is satisfied and there is no amount owing. Please help me in getting the attention of USCB to remove this from credit and to not be erroneously placing collections on my credit report. How can I pay it almost two years ago be fully satisfied as agreed upon and then they out-of-nowhere put an erroneous collection on my credit? please help. XXXX

Company response to consumer: Closed with explanation