BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-20
Company: JPMORGAN CHASE & CO.
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My hardship started in XX/XX/XXXX. I was injured at work by making a wrong movement pulling a heavy object. I underwent XXXX immediately after and went without work for many months, which caused me to fall behind in all of my bills including my mortgage payment. When I came back to work I encountered earning s reduction and decreased in working hours. I had been searching for a 2nd job to supplement the loss. I reached out to JP Morgan Chase, the servicer of my loan to request for a loan modification. My first attempt was XX/XX/XXXX. They cancelled my application stating that I did not supply all the documentation they needed, when I have evidence I did. The single point of contact was XXXX XXXX. The second time I reapplied was XX/XX/XXXX. I submitted a complete package to Chase and from there on I've been given the running around with respect to my income. I utilized my wife 's income as she is a contributor to the family budget, which Chase neglected to recognized so they declined my application again. Meanwhile, I was able to secure income by start working for myself. I presented the Chase, with my bank statements reflecting the necessary income to qualify. Now Chase, more particularly XXXX XXXX who acknowledged the reapplication out of XXXX, TX stated that short after that the modification was declined due to the fact that they will not take in consideration my self employment income because is not reflected in my XXXX tax returns, knowing that I have been XXXX XXXX only in XXXX. 
Per representative the only time they can use the XXXX XXXX to apply for assistance is when said income is on the tax returns for 1 year, which contradict FHA Guidelines. I have an FHA LOAN. 

SUPERVISOR XXXX IS THE SUPERVISOR VP MANAGER AND XXXX IS THE REP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been battling this issue for a whole year now and finally decided to just pay it off. On XX/XX/2018 I sent a letter to the credit to settle this account in the amount of {$140.00} with the following terms : All negative information relating to this debt must be removed from my credit report from all three credit bureaus ( i.e. charge-off, late payments ). 
You will not list this debt as a settled account, but paid in full and closed with no balance due. 
Your company will accept this payment to satisfy the debt IN FULL. 
Your company will not attempt to sell or transfer this debt to another creditor. 
You will make no mention of this agreement to any outside third parties. 
On XX/XX/2018 ; the creditor responded with a counter offer of {$200.00} to be paid by XX/XX/18. On XX/XX/18 I paid the money order in the amount of {$200.00} and again sent the terms that were on the original note and added " In addition cashing of the money order is an agreement of the above terms. '' I never received a response but on XX/XX/18 the money order was cashed. When I checked my email a few days later, I noticed an email from the account manager on XX/XX/18 stating the following " unless you email me a signed letter that you are willing to agree to everything else but the first request, I will have the payment department return your money order. '' Well the money order was cashed and although I understand it has not been 90 days, the creditor has flagged the account as settled and all other terms that were listed in the letter were violated. They received payment, the money order was cashed and I still have negative remarks on my account. 
***SEE ATTACHED DOCUMENTS***

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 2018-09-20
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: Account status incorrect

Complaint:
I have been battling this issue for a whole year now and finally decided to just pay it off. On XX/XX/2018 I sent a letter to the credit to settle this account in the amount of {$140.00} with the following terms : All negative information relating to this debt must be removed from my credit report from all three credit bureaus ( i.e. charge-off, late payments ). 
You will not list this debt as a settled account, but paid in full and closed with no balance due. 
Your company will accept this payment to satisfy the debt IN FULL. 
Your company will not attempt to sell or transfer this debt to another creditor. 
You will make no mention of this agreement to any outside third parties. 
On XX/XX/2018 ; the creditor responded with a counter offer of {$200.00} to be paid by XX/XX/18. On XX/XX/18 I paid the money order in the amount of {$200.00} and again sent the terms that were on the original note and added " In addition cashing of the money order is an agreement of the above terms. '' I never received a response but on XX/XX/18 the money order was cashed. When I checked my email a few days later, I noticed an email from the account manager on XX/XX/18 stating the following " unless you email me a signed letter that you are willing to agree to everything else but the first request, I will have the payment department return your money order. '' Well the money order was cashed and although I understand it has not been 90 days, the creditor has flagged the account as settled and all other terms that were listed in the letter were violated. They received payment, the money order was cashed and I still have negative remarks on my account. 
***SEE ATTACHED DOCUMENTS***

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This HORRIBLE company has repeatedly tried to contact me on a debt that is not mine for {$1300.00} I've sent them a letter via CERTIFIED MAIL/RETURN RECEIPT they received on XX/XX/19 asking them to stop calling me and to prove the debt is mine. They have failed to provide me with a signed contract with my signature that shows I entered into any contractual agreement. They have sent me a very graphic and threatening text message to try to scare me, to my phone, with continued phone calls, false reporting on my credit reports, contacting my relatives, and other third parties. including getting robocalls. 
You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
I intend to follow through with the suit if I do not hear back from you within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Navient Solutions, LLC.
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Reached out to the company concerning my loans and the only thing they want to do is continue to put my loan in forbearance so therefore these loans are still having interest added and there are several loans instead of one loan one interest rate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
1. On XX/XX/2020 Mr. XXXX XXXX NMLS XXXX contacted me to offer a reduction on my interest rate without a credit inquiry or documentation. I complete some information and signed what it was sent to me after I received documents to sign from XXXX XXXX XXXX title company. I was instructed not to pay XXXX and save it because like half of my monthly payment will be use towards closing. Time passes by an no words from the company. I called several times and Finally I spoke with XXXX XXXX.I explained to her and she told that the file expired but she can take a new application, I accepted and she offered a better interest rate actually 3.00 %, completed everything and to the same title company, time Past by and then I received a letter saying that I was past due on my payment. 
I called, explained and the Associate told me that in order to proceed and set up the closing I have to pay so I pay immediately two months XXXX that it was already late and XXXX. After Ms XXXX XXXX contacted me and ask me for a copy of my bank account statement and then a letter explained why my ex-wife was on my account, I did that immediately. Here was XXXX and a complete silent. Early on XXXX someone called me and told me that the closing was on XX/XX/XXXX XXXX : XXXX in my residences de that a notary will contact me with the amount I need to bring for the closing.Here is XX/XX/XXXX no body reach me so I called the notary person and he told me dont know the figures yeah. I called again near XXXX : XXXX and the notary told that just got the closing package and the amount to the closing over {$4000.00}. It was a huge surprise to me because I was told something about {$1700.00}. Obviously I wasnt prepare for that amount. So the title company contacted me and told me that the will send an urgent note to the Freedom Mortgage to contact me ASAP and never happened. I had been calling several times waiting for hours and the people I finally speak with the seems to not know nothing and not help at all. I doy know what happened with that Loan process, I have a late fee and most important I was reported to the credit bureau for late payment. I am asking the company to remove that late payment from the credit bureau as well to reimburse me the last late fee because I never asked to refinando I follow the instruya de not to pay. I need your help becau I Dont know to who I can talk in that company that gave some kind of understandable answer. The company again is Freedom Mortgage and my loan number is 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 2021-02-06
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Opened my discover secured account in XX/XX/XXXX. Called discover week of XX/XX/XXXX to discuss my credit availability on a secured account because even though payment was taken from bank account it was showing XXXX credit available. After speaking with agent for about 20 min I was informed the reason that I was having this issue is because I was making so many payments in a month and discover just wanted to make sure the payments would actually post. Under the advisement of the agent I increased my secured amount from {$800.00} to {$2000.00} so that moving forward the same issue wouldnt occur. The additional XXXX is taken from my bank account and by the XX/XX/XXXX my discover account reflects the increase but then something strange happens on the 25 my account access gets restricted and my card begins to decline everywhere. I contact discover they send over a form for me to sign and say once this is handled my card access will be restored. Well two weeks later and many phone calls with agents telling me they can not discuss account discover closes my account with no heads up and nobody can tell me why or when my security deposit will be returned this is blatant theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: CITIBANK, N.A.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Hello-I am in the process of obtaining a mortgage. The credit card debt was paid in XX/XX/XXXX through a wage garnishment but the attorney ( XXXX and Associates XXXX XXXX XXXX XXXX OK XXXX ) has not provided me a Satisfaction of Judgement to me after my request in mid-XX/XX/2019 nor provided the XXXX XXXX MO XXXX XXXX a release of debt. I am in danger of losing this mortgage due to this matter.

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 2019-08-09
Company: CCS Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have submitted multiple disputes to this company to validate my debt. Every time i submit a dispute it comes back as verified but not with the supporting documents. I have used different methods to stop the illegal reporting of this account to the bureaus.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: Navient Solutions, LLC.
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:
Fraud scams using radio station show using XXXX and XXXX   Fraud scams using XXXX XXXX Fraud scams using XXXX XXXX XXXX XXXX workers using XXXX and cooking class XXXX XXXX XXXX. Federal not authorized and federal not authorized. They frauded my grandma of XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Frauding scams using colleges lectures in XXXX frauding my grandma Fraud scams using my documents in XXXX XXXX XXXX XXXX Illinois frauding scams using XXXX XXXX scams using XXXX XXXX XXXX XXXX XXXX in XXXX Illinois Federal not interested in the state of Illinois and federally refused to marry into Illinois State family Illinoise states also pulled XXXX business permits scams Frauding scams using XXXX XXXX Frauding scams using using XXXX advertising using my documents in XXXX Illinois frauding scams scams using using media scripts and media groups federal not authorized Fraud scams using XXXX University students frauding my documents and text books and text books credit Frauding scams using American XXXX colleges students Frauding scams using XXXX XXXX and XXXX and XXXX scams Fraud scams using XXXX XXXX in Florida Frauding scams using professor XXXX using XXXX pages frauding scams frauding my documents Frauding scams using colleges leacture using my documents, federal not interested

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later. I have not received a response yet I feel like Im being take advantage of and being ignored of my disputes. Section 611 ( a ) It plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I bought a product for {$110.00} at XXXX XXXX on XX/XX/19 and returned defective 3 months ago as it always was defective. They confirmed item was received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I am a co-borrower on a car loan, my husband is the primary. The vehicle was awarded to me in a divorce settlement which I had previously made Capital one aware of and updated the address for the vehicle to my address. When the loan was paid off I was due a refund. I contacted Capital one prior to them issuing the refund check to verify that the check will be issued to me and mailed to my current address. Capital one assured me that this will be done. However, Capital One later issued the check to the primary holder and mailed the check to his address. I was told that no one had changed the address in the system even though I was told that this was done. I have not been able to get clear answers from Capital One despite several attempts to contact them regarding this matter

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-22
Company: EQUIFAX, INC.
State: TN
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX. XXXX XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
n accordance with the Fair Credit Reporting act -XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX Account number XXXX, -XXXX XXXX  Account number XXXXXXXX XXXX Account number XXXX, XXXX XXXX Account number XXXX, -XXXX XXXX, Account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-10
Company: Experian Information Solutions Inc.
State: GA
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:
in accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 1 ) XXXX XXXX XXXX XXXXY XXXX XXXX account # # # # # # # XXXX has violated my rights Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All account above have violate my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions,

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 2020-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
Bank of America approved my auto loan based on the information I provided them. The details of the sales contract with the dealer did not differ from what BofA approval letter. Their salesperson misled me that they would be able to finance by car purchase ( 85 % LTV ) but it was later denied due to another loan metric ( Maximum Advance 70 % ) that was not explained to me.

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