BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-15
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PHH LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX The short sale package was faxed to PHH on XX/XX/XXXX/20. On XX/XX/XXXX they confirmed receipt of the package and said it was under review. We have called many times since then and have been told there were no updates. It has been over a month since they received the package. PHH is claiming they are having issues due to COVID. However, they have DONE NOTHING AT ALL IN OVER A MONTH. This is NOT acceptable.

I understand the impact COVID-19 has had, however, the reset of the real estate industry has figured out a way to move forward, as have the rest of the servicers. At this point This is not a COVID issue we have been having these same issues on every file with PHH since last fall. PHH is just grasping at yet another excuse to not work on their files. This is a violation of their servicing guidelines. 

I want the short sale reviewed and moved forward in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Mr. Cooper Group Inc.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had trouble with Mr. Cooper in the past. I made my payment on the XXXX of last month and and when I got my bank statement they had took my payment out four times, they did redeposit but it cost me check charges n just messed my account up I am on a fixed income so do not have any extra money to play with. Last time it was paying my taxes then saying they would be three times as high next years and raised my payment from XXXX to over a XXXX it took six month to get that fixed now this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: First Financial Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have had this debt on my account for 5 years,11 months. Over the years I have requested a record of the bill but never received anything proving I owe XXXX XXXX money. I dispute this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
My wife and I have a XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( EIN XXXX ) specializing in art prints, room decor and melamine plates for children - all our products are 100 % Made in the USA. We have been in business since XXXX. 

Due to COVID-19 XXXX XXXX has seen a significant disruption and drop in orders and revenue combined with a loss of a Texas-based supplier of melamine plates. 

XXXX XXXX has 2 credit cards with Chase since approximately XXXX, and we never missed a payment ; in fact we always pay all our bills on time. In XX/XX/XXXX, I reached out to Chase regarding their advertised " COVID-19 support for XXXX XXXX  '' campaign that promised : " ... We're committed to supporting you during these challenging times ... ''. We did not have a minimum payment due on both cards between XXXX - XX/XX/XXXX. However, we have been charged exorbitant interest fees of {$1000.00} ( between XXXX - XXXX at 15.99 % ) on one card, and {$640.00} ( between XXXX - XXXX at 13.24 % ) on the other card. The interest rates continued to accrue during this COVID " assistance '' period. On XX/XX/XXXX I contacted Chase customer service explaining that we continue to face significant disruptions in our business due to COVID and requesting ( 1 ) a reduction in interest rates going forward ( so that we will pay off the cards ) and ( 2 ) a waiving of interest fees for XXXX - XXXX period. Ideally we would need a reduction in principal as well but we have not asked for that since the interest rates were according to Chase " non-negotiable ''. Chase 's hard-line approach and unwillingness to work with a XXXX XXXX  such as ours so as to allow us to stay in business and continue to XXXX here in USA is counter to the words and promises that Chase makes every day in the media and to government agencies and in the end will cause our and so many other XXXX XXXX to go out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I wasn't near a computer to check my account as I was out of town. {$1000.00} in overdraft fees in 35 days. Starting from XX/XX/2018 thru XX/XX/2018. 
I went to Chase Bank branch on XXXX and XXXX in XXXX XXXX, CA on XX/XX/2018. 
Sat down and the gentleman reversed 4 of the charges and said more were getting reversed as it processes. This was an obvious mistake on my part and Chase is taking advantage over me by shoeing me out the door. Also I didnt want overdraft protection but when I opened my account She said its mandatory but as soon as I opened an online account I can switch it off. I was NEVER given the opt out option. Also never informed about debit card coverage that I didn't know existed but says I'm opted in? Please help!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-09
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have had multiple accounts populate on my credit report and have tried contacting all companies and each on is passing me along to the other and is not giving any information on the collection. XXXX XXXX is also report multiple late payments however no bill was ever received and I have no knowledge of missed payments

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX, I was on board a XXXX XXXX flight and was told by the flight attendants of a credit card offer. If I applied in-flight for the XXXX XXXX XXXX Credit Card, I was eligible to receive XXXX miles, which is valid for 7 round-trip flights. I filled out a paper application, which included my social security number, income, address, birthday, and more, and gave the application to the flight attendant. 

It has now been approximately 2.5 weeks since this application. Because of the delay, I tried checking the status of my application both over the phone and online, through Bank of America. I was told that no application existed with my information. 

Following this, I called Bank of America and spoke to two representatives on XX/XX/2018, who transferred me to various departments because they could not find an application, either. Finally, the third representative I spoke with told me that the offer of which I was speaking was valid only from XX/XX/2018 through XX/XX/2018. There is another offer, the representative told me, for the XXXX XXXX XXXX XXXX credit card, but this is not the card for which I applied, and I was not told at any point that this world credit card was the " Elite '' card. This representative suggested that I contact XXXX XXXXs, the Federal Trade Commission, and the Identity Theft hotline. 

I called XXXX XXXX on XX/XX/2018, and was directed to file a complaint online. I did this on XX/XX/2018.

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 2018-12-09
Company: DISCOVER BANK
State: MO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was solicited by XXXX, which I have a credit card in which they provide my FICO score monthly. They sent me an offer for HELOC as low as 4.99 % I responded by phone. My XXXX is about 51 % FICO is excellent with no derogatory info. I asked for {$35000.00} HELOC and was quoted 8.99 % after a hard inquiry on my Credit report. And even though I rejected the offer I have been notified by XXXX that I would need to contact my insurance provider to remove the loss payee standing by XXXX even though I never went through beyond application. I was informed by the loan officer that the rate was because the loan amount was too low suggesting I should borrow at least {$60000.00} to get a better rate although they had another parameter that the XXXX would have to be less than 59 %. Kind of a catch 22 when the parameters fluctuate. I would say that when a financial institution offers Loans with rates as low as 4.99 % and yet set parameters that make it less than likely a consumer will qualify is predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: National Credit Adjusters, LLC
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: Their investigation did not fix an error on your report

Complaint:
On XXXX, I submitted an investigation to all three credit reporting agencies ( XXXX, XXXX, and XXXX  ) for the National Credit Adjusters. On XX/XX/XXXX, National Credit Adjusters sent a letter stating that they are not able to comply with FCRA and CFPB laws that were in place for validating the debt and cease collection activities. On XXXX, the bureaus verified that the debt was mine. On XX/XX/XXXX, I resubmitted the investigation request and a method of validation. On XXXX, XXXX  removed the account. To this day, XXXX and XXXX  both have continued to state that the debt has been verified. The debt has not been validated and XXXX advised filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Complaint Complaint - To help us get the investigation process started, provide a brief description of the complaint including dates and the names of those you dealt with. 
Do NOT include any personal information such as account numbers or Social Security numbers. 


We would like to advise you of the many problems we have had with Bank of America since XX/XX/2018 trying to negotiate a short sale on our house.When our financial situation changed due to our HELOC loan ballooning from less than 200 /month to over $ 700/ month, we could not afford it. The bank put us through a loan modification which was denied because our house was underwater. After a failed attempt to sell with a realtor, we asked Bank of America for permission for a short sale. We were told it was up to the bank 's Short Sale Department, and if we had an offer, we would receive paperwork.We received a complete package from a person at the short sale department, which we gave to our realtor, who found a very good cash offer for our home.She was unsuccessful reaching her contact at Bank of America over a period of 5 months. Documents lost, resent ; promised calls and conference calls never happened ; holding times exceeded an hour ; the bank never heard of our realtor ; the bank account manager XXXX XXXX never heard of the bank short sale contact ; we never received promised copies of bank emails, etc. We finally pleaded with our loan manager to see what she could do. She asked her manager to look into this. Now our realtor and we have a new contact, who tells us the loan modification was only on primary loan, when we thought it was also on the HELOC, which we stated we could not pay at the new rate at the beginning.We have been in circles from XXXX until now, XXXX. We have exhausted our savings trying to keep current until now. We have even asked our children for help, which they did, until they can no longer. We feel Bank of America has needlessly caused severe delays, and we fear our cash offer will withdraw, now that six months has been wasted.

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 2021-02-23
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
Hey Listen, This is getting ridiculous. I have sent many complaints about this and I just am getting tired. I am trying to get a home and this inaccurate and non compliant information is making my endeavors tough. I am trying 1 last attempt before i file an FTC report and with my attonery general. I have alos asked a counsel to help me with this and they told me to try this one more time before they say we go to litigation. 

XXXX XXXX IS MY ONLY NAME XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX IS MY ONLY ADDRESS. 

XXXX, XXXX  & Equifax is reporting bogus and innaccurate information. I know XXXX hit all of us but this is reckless and we cant utilzie that as an excuse to not fix information. 


I have copied all these innaccurate addresses below that are innaccuarate, do not exist. REMOVE ALL IMMEDIATELY. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX XXXX, UT XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, FL XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: MoneyLion Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
This app is supposed to give advances when I pay on time it doesnt allow me to get the loan back once paid back! The make excuses!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
Company: Central States Recovery, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In the past, multiple complaints have been registered against this company for not following through in correcting false information being filed with XXXX. 

CSR has been reporting to XXXX, that one of my addresses has been XXXX XXXX XXXX XXXX in XXXX, KS. This is false. Also, that I have lived at XXXX XXXX XXXX XXXX in XXXX, KS less than two years. Also false. I have lived at XXXX XXXX XXXX XXXX in XXXX, KS since XXXX/2014, and never XXXX XXXX XXXX XXXX in XXXX, KS. This mess is a result of the incompetency of XXXX at XXXX XXXX in XXXX, KS, in conjunction with CSR of XXXX, KS. Both parties have been given countless opportunities to correct their screw-ups, but did not. I had to pay to get my reports to see what was wrong. Again, because XXXX XXXX and CSR refused to fulfill their legal obligations. As a result, and at the request of the FTC, a formal affidavit has been filed against both parties with the FTC. 

CSR is to immediately remove the XXXX XXXX XXXX XXXX, XXXX, KS address entry from my XXXX  credit report, and to indicate that I have lived at XXXX XXXX XXXX XXXX, XXXX, KS since XXXX/2014. If XXXX at XXXX XXXX in XXXX, KS did her job, none of this would have ever happened. Her corporate office in OK is going to be sent a copy of all complaints related to this matter. 

This discrepancy is negatively affecting my mortgage application process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: Selene Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ive tried contacting Selene on numerous occasions to no avail. Youre simply just carted from one ill -advised customer service representative to the next. 

1. On XX/XX/XXXX and going forward I've been charged a {$15.00} late fee. I paid initially, but noticed it kept resurfacing on my mortgage bill. I've called Selene to ask why Im incurring a {$15.00} fee each month on my mortgage, and I was told by XXXX, one of the representatives that he believed it was an inspection fee. '' Inspection fee for what, when, why and where was the inspection done are my questions? He didnt know and would look into it and get back to me by correspondence. That was 4 months ago. Ive made sure to send all payments via wire transfer or XXXX XXXX w/signature to ensure payment since Selene conveniently misplaces payments by mail. 

2. I contacted Selene by email on XX/XX/XXXX to obtain the months that I've been late on my mortgage, as it was reported to a refinance company that I've been late 8 times. I'd like to know the EXACT DATES AND MONTHS those payments were late. I received correspondence from Selene saying it would take 30 days, it's been over 6 weeks. 

3. Also, my escrow amount increased and therefore my payment. Id like the paperwork confirming the additional escrow amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I send XXXX XXXX XXXX in 2nd weeks XX/XX/2018 and I didn't get any respond I send my 2nd letter certified mail on the XX/XX/2018 to same address then they respond. I asked for a list of information and to validate the debt with my signature, electronic recording etc. that they claim is mine ( reference ID XXXX amount {$1200.00} ) and they refuse to provide those information and ignoring my request but yet still they still reporting to the credit agency which also as long as there's an investigation all reporting and collection should stop which they didn't comply which any FCRA laws and violate my rights as a consumer. I can't get no funding or any kind of approvals to help better my life due to fact they have ruin my credit and still is at this present time. if they can't abide by FCRA laws I demand they remove it and all negative remarks to be removed from my credit profile which have been destroying my life. I will include copy of the 1st and 2nd letter that was sent without my personal info on it. looking forward hearing from you, thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: LAKEVIEW LOAN SERVICING, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The loan servicer failed to make timely property taxes payment for me, I am facing late fees and potential tax lien on the property.

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 2021-10-04
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, I filed a dispute with Chime bank. I had paid XXXX for a teen driving services and the services was never provided through XXXX XXXX XXXX in XXXX, Oh. Due to the fact they never had any sessions available. When I called and asked about it, I was told that I would just have to keep trying to find open sessions. I could not. I also emailed the company to receive a refund and never heard back. I was told by Chime bank that my dispute would be settled no later than XX/XX/2021.. Once that date came they stopped answering my messages concerning the status of my dispute. I have to call and I am told that it is still being investigated. As of today XX/XX/2021 I have no update on the status of my dispute They refuse to let me speak to the investigative team to see what is taking so long and wont give me any information about the status of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 have attempted to have an account from XXXX XXXX removed from my credit reports. I contacted each of the 3 major credit bureaus explaining that I do not have an account with neither of the companies listed on my credit report ( XXXX XXXX   or XXXX XXXX XXXX XXXX ). I was told I can enter a dispute which takes 30 days to complete. Each time I put in a dispute I literally received an alert within 24 saying my dispute has been resolved with know change. In mid XXXX I contacted each bureau again asking what is the method for verifying this is my account considering I'm reporting it does not belong to me. I was told they contact the creditor and if I want more information to contact the creditor directly. 

Starting back in XXXX I've reached out to the company XXXX XXXX XXXX XXXX collecting on behalf of XXXX XXXX. The first couple of times I called ( only verifying my named, I was told I took out a loan online in XX/XX/XXXX. I explained I don't know who this company is nor have I taken out a loan with them. I've also asked for documentation with my identity information ( SS, address, DOB, dates, times and my signature on it ). To this date I have not received anything from either company. I also made a point to ask why I never received any calls or delinquent letters of collection. Neither rep could answer my questions. When I did a check on XXXX XXXX through XXXX  XXXX XXXX XXXX, I see that XXXX XXXX XXXX  is dissolved. I mentioned this to XXXX XXXX and basically that was brushed off and they still asked me to pay them. 

I need immediate help from CFPB, my identity has been stolen 4 times within the last 7 years. This is not my debt and I would like it removed from my credit report immediately. Trying to resolve the issue with XXXX XXXX has been frustrating and time consuming to say the least. This is literally the only bill on my report and it is damaging my credit.

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