BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-13
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a loan through Chase Bank that was heading into foreclosure in XXXX but I sold my home ( for more than what I owed ) before that happened. I recently learned ( while applying for a loan ) that my previous mortgage is being reported by both Chase Bank and XXXX XXXX under two different loan numbers, which to potential lenders appears as two bad past mortgages instead of just one. XXXX XXXX was handling the foreclosure and I let them know in XX/XX/XXXX that I had accepted an offer on my house with an XX/XX/XXXX closing date. On Chase Bank 's behalf, XXXX XXXX provided instructions ( dated XX/XX/XXXX ) to issue the payoff to Chase Bank in the amount of {$680000.00} which included additional interest ( in the amount of {$4400.00} ) calculated through the end of XXXX. The property closed as expected on XX/XX/XXXX and XXXX XXXX says they sent the funds via XXXX XXXX  next day delivery. <P/>I 've attached an eleven page complaint that I filed with Chase Bank on XX/XX/XXXX. Today, XXXX XXXX ( Chase escalations ) called and told me that since Chase can not find where they received the funds, there was nothing he could do to help and suggested I reach out again to XXXX or XXXX XXXX  XXXX. <P/>I learned that sometime between XXXX XXXX and XX/XX/XXXX Chase transferred my loan in the amount of {$680000.00} to XXXX XXXX after it had been sold, closed and funded. I also reached out to XXXX  XXXX XXXX and learned ( for the first time ) that on XX/XX/XXXX XXXX XXXX returned the XXXX XXXX check ( made payable to Chase Bank ) and requested a new one to be issued to XXXX, almost two weeks after the closing date. I 've attached copies of the XX/XX/XXXX correspondence from XXXX XXXX 's. On previous telephone conversations with Chase Escalations, I was told that their notes indicated an XXXX XXXX letter informing me of the loan transfer but they could n't find a copy. Today, mysteriously they were able to find a " Goodbye '' letter dated XXXX XXXX. I do n't have a record or recollection of receiving that letter and it 's apparent Chase did not inform XXXX XXXX prior to the XX/XX/XXXX closing date either. Additionally, the " Goodbye '' letter advises payments made after XXXX XXXX be sent to XXXX but the property closed on XXXX XXXX. <P/>I realize that loan servicing transfer 's are common practice but it 's not my fault that Chase Bank and XXXX XXXX failed to communicate with one another. This loan never should have been transferred to XXXX since both Chase and XXXX XXXX was made aware of the sale in XX/XX/XXXX. It 's obvious that someone sat on the payoff check for almost two weeks. I called XXXX today but the agent could barely speak English and was no help, nor could she offer advice for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: EQUIFAX, INC.
State: NJ
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: Was not notified of investigation status or results

Complaint:
I am submitting this complaint because there have been multiple violations against me and I have heard nothing from the credit bureaus and it has been over 45 days. 
As the original creditor only I can validate any debt and I did not validate any debt, nor did I validate any lat payments. Therefore I demand that all violations in dispute on my report must be deleted due to violation of over 45 days and 15 U.S.C. 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for an American Express card and they sent me a letter in the mail stating that i was denied at this time because of fraudulent information they received from my consumer report, this is unauthorized use as defined under TILA 15 usc 1602 ( p ) i received no benefit from this consumer credit transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent my letter off on XXXX, XXXX XXXX. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also I attached the letter I sent out and here is the tracking number # XXXX XXXX XXXX XXXX XXXX. 

According to the FRCA The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing multiple inaccuracies. 

Accounts listed Name : XXXX XXXX  Account # XXXX Name : XXXXXXXX XXXX XXXXXXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax leaked my private information and has been me susceptible to identity theft. I now need to proactively monitor my credit. The type of information leaked included my drivers license, dob, and social security number + more. This has affected me as I am currently trying to close on a house and have had to take steps to guard my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
Nationstar Mortgage LLC D/B/A Champion Mortgage Company file suite XXXX in XXXX XXXX on a reverse mortgage XXXX never took on a property I never owned on a mortgage I never signed. 
The law firm of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in XXXX XXXX, Fl. 
The demanding I pay or file a response with the court. 
Filing date XXXX2022 amount is XXXX I have contacted a lawyer. 
This is not my obligation it is not my debt. 
I also understand reverse mortgage are not the responsibility of any heirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: EQUIFAX, INC.
State: MN
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:
XXXX Equifax XXXX please review and remove XXXX XXXX XXXX from the credit report in its entirety Equifax your report is incomplete because there is no Date of last active. 
Your date of last payment is incomplete!! 

XXXX  date of last active is inconsistent of what XXXX is saying you are reporting XX/XX/XXXX of date of last active!! 

XXXX you are reporting XX/XX/XXXX as date of last active!! 
Also XXXX your dote of last payment is incomplete. 

Guys the account number is all the same how is it possible for so much inconsistencies and missed information on one account I urge you all to remove the young entire trade line from all credit reports and send me an updated credit report showing the reflection of the deletion

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: The Outsource Group, Inc
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX indicated that it was suspending collection activity, however, I am attaching the information for their review as it pertains to their client and how many other claims are to be processed with the insurance and their client ( s ) have already been informed that all is due is a copayment and that copayment may have already been paid. In addition to these expenses, there are corresponding laboratory expenses that have not been billed properly through insurance. Virginia XXXX XXXX  XXXX has also been paid the full balance of {$540.00} or is pending receipt. I have attached the most recent receipt with all prior money order ( s ) numbers. All medical expenses were covered by insurance and none were elective treatment ( s ) but were medically necessary. XXXX will also be notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Ocwen Financial Corporation
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH purchased my mortgage, setup escrow and now refuses to pay hazard insurance on the property. I have called/emailed multiple times, and they tell me it's getting paid. Then they say it's been refunded to them within XXXX days of payment. It's not possible to get a check mailed back that quickly. My insurance lapsed as of today. I now have the insurance company emailing me saying insurance has lapsed. I also have the mortgage company calling asking for new proof of insurance because it's lapsed. My home is now not covered. The PHH phone numbers don't lead to humans, every time I email its a XXXX day response. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: EQUIFAX, INC.
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: Public record information inaccurate

Complaint:
I have contact Equifax on XXXX XXXX regarding some Inquires that are not mines. I have sent a FTC report as well regarding these unauthorized inquiries. The Inquiries are listed below. 

XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXXXX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXXXXXX XXXX XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: HW Holding, Inc
State: OH
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 a debt from hunter warfield for the amount of {$2000.00} and XXXX XXXXXXXX XXXX XXXX for {$250.00} that reported again on my credit report, I have disputed these inquiries with my XXXX, it was removed and re-added without notifying me within 5 days prior to adding this inquiries back on my credit report. I have contacted transunion as a good faith attempt. And asked them to remove the inquiry since it was illegally re-added, and they was unable to assist.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: WELLS FARGO & COMPANY
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Wells Fargo closed 4 bank accounts of mine. they have never sent me the funds. I have called the number I was instructed to and everyday I it rings for 30 minutes before I give up

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 2022-02-11
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
CREDIT MANAGEMENT LP repeatedly calls asking for my personal information. I'm not going to give or verify my personal information to a stranger. I have repeatedly told them to stop calling me. I have never opened an account with this company. This company reports in a legend that I owe a total of {$1.00}, XXXX for XXXX separate accounts ( $ XXXX ). Email the last representative I spoke to, I asked him why do I need to verify information if I don't even know who he is and why he's asking for the information. He never disclosed the reason for the car. He only stated that's what she says her world fell apart the company name and then asked me to verify my address. Subsequently, my credit score has dropped significantly. I don't want my address shared with CREDIT MANAGEMENT LP. There was no address/email to link to this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I first tried to obtail my free annual credit report online at XXXX. I answered every question that was asked including giving my Social Security number. The online response was that they could not identify me and gave me a phone number to call XXXX. 

I called the number and answered all the questions asked including my Social Security number. in late XXXX I received a letter informing me that they were unable to honor my request for a free annual credit report because I had not provided sufficient information for them to verify my identity. 

I followed the save procedure for XXXX and they were able to send my free annual credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: Experian Information Solutions Inc.
State: TX
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:
On XXXX XXXX, 2017, XXXX XXXX XXXX. working on behalf of XXXX XXXX XXXX, signed for a certified letter of official dispute of their information of a collection account in the amount of {$19000.00} on my and my husband 's credit reports. The letter informed them that I was requesting validation of this debt pursuant to FDCPA and FCRA and corresponding local state laws. Competent evidence bearing my signature and showing contractual obligation to pay was requested as well. I also informed them that I was aware of the law and that they had 30 days to validate the debt, or the law required that they request that all reporting agencies delete the entry. After not hearing from them after 30 days and noticing that no notification of dispute was indicated on my credit report I sent a follow-up certified letter which they signed for on XXXX XXXX, 2017. This letter notified them that they were in violation of ( but not limited to ) FDCPA Section 807-8 and FCRA Section 623-b, and therefore I was demanding that the item be removed from my credit report, as required by law. I finally received information from them on XXXX XXXX, 2017, a full 55 days beyond what is allowed by law. In the letter, they informed me that I had 30 days from date of notification by them that the account had been placed with them to dispute the debt. However, I have never received such notice, they have failed to provide proof of such, and I was only aware of the issue when checking my credit report. On that same note, FDCPA states : " 809. Validation of debts ( c ) the failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer '' which does not excuse their legal responsibility to abide by the law in their reporting and validation when informed of formal dispute and request for validation evidence. I am also reporting them to the BBB today, as well as the Texas Attorney General before filing a small claims action.

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 2019-10-07
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:
On XXXX XXXX. I received a credit monitoring for a inquiry on my credit with Experian from a company I NEVER heard of XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX for an installment loan. This was on a Sunday. I called them Monday morning and the rep. pretended he could not locate my name in their system. I informed him I had the printout from Experian showing it was their company & to remove the inquiry. The 1st rep hung up on me, the 2nd rep did nothing. I NEVER applied for an installment loan. I kept asking them where did they get my information from, no response. My credit file was obtained illegally by this company.

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 2019-10-07
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We were with Ocwen financial they were being sued by the government for faulty mortgage loans they sold our loan 2 PHH and at the time we had a modification approved with Ocwen when the loan was transferred to the new mortgage company we kept getting letters that there was no modification in place, and therefore we needed to take care of our loan by doing a modification application or other options we tried contacting this new company to get a modification package and at the same time we were out of work we never got the modification PKG. We never could get the option to modify the loan then we receive a letter stating that we hadn't paid the modification therefore we were in pre-foreclosure. When we received the letter regarding to foreclosure we did send notification that we disagreed with information and this was done before they even set up the sell date. We never received any other documents we were looking online at our address and it showed there was a auction date we knew nothing about this. We contacted the mortgage company and they told us that they were planning on sending out a letter giving us the auction date however we never received even anything by the sheriff 's office regarding to any sell date. This mortgage company for what we are seeing is also being sued by the government at this moment for faulty loans also. We should buy legal means should have received a letter before now possibly with a pre-foreclosure meeting at the courthouse or even giving us more time then three weeks due to the fact that we did file complaint with the company letting them know that we did disagree with the decision it did state in their formation that as long as we filed this complaint within 30 days of the information that that would halt it and we did we have proof of that and still they set up a foreclosure date without our knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Experian Information Solutions Inc.
State: MI
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2019-10-07
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Chase Bank froze my account illegally and returned all items I had out against the funds in account when they decided to " no longer do business with me ''. Chase Bank replied to my previous complaints and stated that they did not freeze my account. I am resubmitting my complaint with evidence and proof that they did in fact freeze my account illegally, and refuse to honor and pay items that I had performed in good faith with funds in the account. I find it very interesting that Chase Bank responded to your complaints and said they " did not freeze my account ''. That's not what they told my credit union, my mortgage company, my stock brokers, and my creditors. Evidence attached.

Company response to consumer: Closed with explanation