BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-29
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On XX/XX/XXXX I went to the XXXX XXXX branch of chase bank located at XXXX XXXX XXXX XXXX, XXXX XXXX ga.XXXX, to handle my mounthly banking business..I went to cashbox # 6 and was taken care of by a cashier named XXXX.there were two transations that took place.first I transferred {$2100.00} from one account ( XXXX ) to account # XXXX, the second transation was a cash deposit of $ XXXX.on the XX/XX/XXXX I received notification from the bank of checks being returned for insufficient funds.On the XX/XX/XXXX I met with the branch manager,  XXXX XXXX where it was discovered that the {$280.00} was not deposited The manager made several calls after whuch she informed me of the procedures which had to be followed i.e tracking deposit slips etc ... I was recently informed that no further actions have been taken to rectify the mistake.in reviewing the receipts it was found that the cashier deposited {$20.00} instead of the {$280.00} ( which I am attaching to this compliant.In order to cover their mistake I had to deposit additional funds to cover the checks and fines

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: Ameritech Financial
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received an letter in the mail on XX/XX/2018 from the FTC about a lawsuit against Ameritech Financial. The company is a fraud. 
Ameritech has been withdrawing around {$200.00} on the XXXX of every month for the past for few months. I'm uncertain of how long, I have lost track, but it has only been since XX/XX/2018. 

I called Ameritech today ( XX/XX/2018 ) to cancel my subscription and rquest my money back. I was told that because the lawsuit has only been filed, and that it hasn't been ruled on by a judge, that they can not issue me or anyone else a refund. Ameritech did claim to cancel my subscription. 

I contacted my credit union today ( XX/XX/2018 ) to make sure that Ameritech can no longer withdraw money from my account once a month. If they continue to do so this week, I'm having my credit union dispute Ameritech.

Company response to consumer: Untimely response
Consumer complaint received 2018-07-18
Company: Diversified Consultants, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an updated copy of my credit report to find out that Diversified Consultants Inc. reported that I owe {$140.00} for XXXX when this account has already been proven that I do not owe it. I do not owe XXXX and the account was removed not once but three times by all credit bureaus in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This account was sold to two ( 2 ) different collection agencies and none of them had proven the debt. XXXX then resold the debt to Diversified Consultants who assumed the new right to collect. Diversified Consultants posted a collection to all three credit bureaus for a debt of {$140.00}. The posting states that this is an active collection opened XX/XX/XXXX. Prior to this account appearing on my report, I did not receive a 30-day notice of my right to dispute. By reporting this debt on my report without providing this notice, Diversified has violated my federal right, as protected under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-01
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX credit protection associations LP is trying to collect {$370.00} from me for a collection I do not owe. It is showing negative on my credit report. It has already been removed from XXXX  and XXXX  however for some reason XXXX is choosing to continue to keep this collection on my account.

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 2020-11-06
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX my identity was stolen. I noticed late XXXX that someone rented 2 apartments, had an XXXX XXXX XXXX and XXXX account opened in my name and did not pay any of these bills. At first I never noticed the charges until I needed to apply for credit. Once I saw them I began trying to get them off my credit but did not know how to go about doing so. I disputed the charges but they kept coming back. I was then told I needed to file a police report which I did. 

The company that I am have an issue with is National Credit Systems. I have submitted in writing to have the original signed lease agreements to be sent to me and have not received any as of yet. I then contacted National Credit Systems by phone and requested that they send me those items and still have yet to see them even though they stated they have electronic signatures and IP addresses. My next step was to contact the apartment complex and they could not send me any documentation they stated they do not have any originals or electronic signatures. 

National Credit Systems are trying to take me to court and garnish my wages even thought they have not provided any original paperwork showing my signature, or electronic IP addresses. I need this taking off my credit and not have my wages garnished as these are not my charges. I have provided information that I lived in my home for 11 years and never rented any apartments during the time they were rented. I had electric bills, water bills, established and can show they were paid via my banks accounts during those rental times. 

I am at a stand still as to what to do next. Thanks Deflated Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: Dovenmuehle Mortgage, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid off my mortgage in XX/XX/2021. The mortgage processing company ( Dovenmuehle Mortgage ) sent me a letter confirming that my mortgage had been paid in full. Recently I put my home ( a small mixed use building ) up for sale and discovered that the mortgage company had not sent this information to my municipality. For more than a month I pleaded with the mortgage company to send the information to the municipality. 
The buyer of my property had concerns about this issue and walked away. I now have a new buyer and again have worked for several weeks attempting to have the mortgage processing company submit the documents. I have been told repeatedly that all paperwork is complete and simply needs the signature of the VP at the mortgage company. Out of desperation I have even written to the CEO ( XXXX XXXX ) of the company, but have gotten nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: Navient Solutions, LLC.
State: MD
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
My sister in law was contacted by Navient regarding my student loans. She was informed that my student loans were past due. This is illegal and in violation of FDCPA, Section 15 USC 1692c, Section 805b. I have not given permission for Navient to provide information about my debt to a third party. KC is my sister in law ( not my parent, or spouse ).

Navient has continuously called an harassed me also in violation of FDCPA, [ 15 USC 1692d ] 806 ( 5 ).

These are two violations of the FDCPA. 

I seek immediate and swift legal action in accordance with the law and the aforementioned statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: GUARANTEED RATE INC.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We entered into an agreement w/Guaranteed rate, inc. to refinance our home in XX/XX/XXXX. We were upfront with our issues, a Bankruptcy ( discharge XX/XX/XXXX ) and bad credit.. They pulled our credit on XX/XX/XXXX. said they could go forward knowing this situation, to get us refinanced. We paid {$620.00} for an appraisal of the property on XX/XX/XXXX to guaranteed rate, inc. The appraiser didnt have cards so I didnt get his name. We have never received a copy of this appraisal. we were told it was good to proceed. They proceeded to have us jumping thru hoops for another 6 months, resubmitting documents, negotiating with XXXX regarding the settlement of HELOC acct that was discharged in bankruptcy. 
I negotiated with XXXX our mortgage holder to settle that acct. 3 times they let this offer expire, with increases in penalty fees from XXXX. So now XXXX will not honor the settlement agreed to with them. I called KYHC to get their account to subordinate, to the new loan. I did all the aspects of getting our situation in order. Including another appraisal, that guaranteed rate were going to cover ( probably added into the closing costs at the end ). We received a copy of the 2nd appraisal cause I asked appraiser to send it to me. When they let the last offer from XXXX and the appraisal expire, I called all the contacts at the XXXX office to get info. I was ignored for more than a week. Finally, my calls were answered, and said they couldnt do the loan, because our lack of good credit and bankruptcy. So I asked them to explain, they said, that XXXX was reporting the HELOC as late, not on time, this is the acct that was discharged. Plus our 1st mortgage also with XXXX isnt reporting as paid as agreed, on time. because it also was discharged in the bankruptcy. Which they knew up front from us, & from the first pulled credit report on XX/XX/XXXX. yet they took money from us for appraisal, and jerked us around for 6mos. If they had denied us then, there would not be a problem. but someone took our money. jerked   us around for 6mos.

I would like to get a refund of the original appraisal fee of {$620.00}. Loan #

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Constant and annoying calls that don't stop if you don't answer and if you do answer they try to manipulate you into a promise, happens all hours of the day and night, during hours I am at my place of employment, On the weekends. I have asked the company to cease phone communication and that their correspondence can be via XXXX or email. They told me that I would have to send them a letter requesting the calls stop. I sent them a letter even though I verbally told them to stop calling. They said they never received the letter. I once again asked them for the final time to quit calling and that they could communicate via email or XXXX as long as that didn't become to a harassing level as well. I have not been past 30 days and still get these calls nonstop.

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 2018-04-28
Company: CITIBANK, N.A.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
My problems is the illegal discrimination that citigroup and it's ceo XXXX XXXX are using against XXXX companies and XXXX owners. Why would you bow to a few and not allow legal XXXX transactions from law abiding citizens and XXXX companies? You are forcing your views on me and other XXXX owner. You are infringing upon my rights as a legal XXXX owner to make legal purchases. This does not do anything to curb XXXX problems in this country. Your institution was bailed by people like me. I guess we can put you under by not patronizing your company and others like XXXX XXXX XXXX. We as XXXX owners can have our voice heard by hurting your pocketbook.

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 2018-10-18
Company: Collection Bureau Services, Inc.
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I'm trying to get the flowing removed off my credit report. I called Collection Bureau Services and asked them if I had a balance on XX/XX/XXXX and they stated no that all accounts were paid in full. I asked why they were still on my credit report and they stated they are reported with a XXXX balance. I asked why there were not closed and she stated they are reported with a XXXX balance again. 

Can you please remove from my experian report the following since there is not a balance and they obviously have not closed it and think that because it has a XXXX balance that it shouldn't matter. 

COLLECTION BUREAU SERV XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX ( XXXX ) XXXX COLLECTION BUREAU SERV XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: TD BANK US HOLDING COMPANY
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:
I have contacted them repeatedly to get negative past 30-60 days late off my credit report. I have paid on-time and have never gone past 30 days. They will not look at it or help me with anything. I was also part of the XXXX  scam and I had charges on my credit card that were not mine and so I had balance that was not mine and they did not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is reporting five ( 13 ) missed or late payments on my credit report ; XX/XX/XXXX - XX/XX/XXXX. I've disputed these late payments with XXXX on multiple occasions including phone, email and certified mail. XXXX has failed to respond to direct disputes and fell short of doing thorough investigations when asked to by the CRAs. Its completely unsatisfactory that these mid to large companies violate FCRA violations such as notices informing consumers they are reporting negative information -- every consumer does not review their credit monthly. In my case, I went nearly a year and half until I noticed the negative reporting by this time there has been instrumental damage to my credit worthiness. What is equally alarming, when the CRAs fail to conduct a independent investigations and the outcomes turn out to be " certified '' without surveilling the full scope. After disputing the reporting, there has been multiple times where XXXX has not left a " dispute remark '' on my profile which I have attached documents validating this incompliance. I've exhausted all options at this point with both XXXX and all three ( 3 ) CRAs to no available. 

Compliance violations 1. 623 ( 5 ) ( a ) -- Duty to Provide Notice of Delinquency of Accounts 2. 623 ( 7 ) ( a ) -- Notice to consumer require reporting Negative information 3. 623 ( 7 ) ( b ) -- Time of notice reporting Negative information 4. 623 ( a ) ( 3 ) : Duty of furnishers to provide notice of dispute to CRAs ( No remark on credit file ) 5. 12 CFR XXXX - Direct disputes Tracking numbers ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
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 am victims of identity theft i made numerous attempts to rectify these fraudulent accounts that was opened in my name I sent police reports, FTC report still nothing please publish this and show people that if you are a victim of identity theft. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: Coinbase, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
At the beginning of XX/XX/2021 I bought {$1800.00} of Bitcoin at Coin Base Pro when Bitcoin was {$31000.00} per bit coin. A week later I went to transfer the Bitcoin to XXXX, because they have lower commissions. When I requested a transfer of my bitcoin to XXXX Coin Base refused to do it and froze me out of my account. For the last 3 months I've sent in my driver 's license and a selfie as requested about every week now for 3 months and they do nothing, but do admit each time that they've received my drivers ' license. I keep emailing them to ask why they insist on stealing my money, but they keep responding week after week that they're looking into to it, and it's been over 3 months now. I've been finding out that Coin Base a public company has done this to many people to steal their money. A lawyer recommended that I get all of these people and start a class action law suit. Please don't allow Coin Base to steal my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: MONEY SOURCE, INC., THE
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX my hardship due to covid 19 has affected my work life. 

To avoid missed payments a claim was filled with my mortgage servicer of my loan, The Money Source Inc. for forebearance as allowed per the CARES Act. 

A return email letter states I have to provide finance information, which is NOT required and a violation according to the CARES Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Ocwen Financial Corporation
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My grievance is with PHH Mortgage ; they are responsible for servicing my mortgage. As such, they are supposed to provide me with monthly statements, year-end tax documents, escrow analysis statements and other information related to my mortgage. Unfortunately, their website, https : //www.mortgagequestions.com/ is not configured properly and can not be accessed from overseas. I am on a temporary work assignment and providing essential services overseas, but I still need to access information about my mortgage in the USA. 

Unfortunately this issue has been unresolved for over 6 months. I have called them several times to try to get this issue resolved, but their IT team has not been able to make their website accessible. They also will not mail documents overseas. Currently PHH Mortgage is completely unable to provide me with mortgage statements via any delivery method.

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 2021-11-05
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent out numerous disputes trying to remove inaccurate names, addresses, and accounts from my credit profile. 
This request has been denied and I would like these inaccurate information to be REMOVED : DATE DISPUTED XXXX IN XXXX, EQUIFAX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECT IN XXXX AND XXXX XXXX XXXX XXXX XXXXXXXX XXXX IN EQUIFAX XXXXXXXX XXXX XXXXXXXX Untitled { Collection/Chargeoff , Medical Subject has not satisfied debt. }

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing today in regards to my account with XXXX XXXX Account # XXXX. I have reached out to XXXX in regards to a late pay XX/XX/XXXX. I got a response from XXXX Dated XXXX XXXX which says that my account will be be updated. Yet no updates have been completed based on my report dated XX/XX/XXXX it still remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My name is XXXX XXXX XXXX Chase bank ended there relationship with me for no reason I didn't do anything wrong i have never did Anything fradulant they didn't inform me ahead of time no account closure letter in mail no letter at all i don't think it's right I'm XXXX so something has got to be done please help me out there was no account closure letters

Company response to consumer: Closed with explanation