BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-26
Company: DISCOVER BANK
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These account does not belong to me. It was was opened XX/XX/2020. 

Discover Account number unknown. 

XXXX  was made aware over 60 days ago

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-05
Company: General Motors Financial Company, 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: Credit inquiries on your report that you don't recognize

Complaint:
Pull a hard inquiry when I did not get approved for the car I wanted. Yet it is still on my credit report. This is stopping me from applying and getting approved for an apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
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 complaint against Chase Bank to unethically closed my account without any notice.I receive an email from my credit card company on XX/XX/XXXX that my payment was declined. So i call them to ask what had happened since I scheduled the payment before hand. They told me that my bank is froze. I call my bank and ask them about the issue, I was on call for 3+ hours and they shuffle me through department to department. No one want to tell me whats wrong. I treated horribly by them, I kept on asking the reason they said they cant tell me why did they close my account. After the call i went to the branch to inquire further but they declined to give me a reasonable answer. I am freaking out since they close my years old account without letting me know. Let me tell you that I have not receive any notice or email regarding this matter earlier, and when i explain this to them they said they are not suppose to let me know and they are authorize to close the account without giving any further information to the client. when i confront them on this they said its their policy. They are unprofessional and very unorganized. I am extremely upset with their rude and ruthless behavior. I had so many payments scheduled, which are cancelled and caused me late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: Convergent Resources, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received notification that my credit score had gone down and there is some unknown XXXX XXXX CHARGE THAT IS NOT MINE FOR {$510.00}!!!!!!! I DO NOT AND HAVE NOT HAD XXXX XXXX!!! THEY HAVE TRIED THIS BEFORE ONE TWO AND THREE YEARS AGO AND I FOUGHT THIS XXXX OFF WITH CINVERGENT!!!! I TURNED THE EQUIPMENT IN AND HAVE NOT HAD XXXX  SINCE 2015!!!!! 
GET THIS XXXX OFF OF MY CREDIT REPORT NOW BEFORE I SUE CONVERGENT AGAIN

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 2018-05-01
Company: CITIBANK, N.A.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX I had just got on my feet again, when I encountered an interest in a man unbeknownst to me was suffering from XXXX. Not only did he begin to rob me every payday but everytime I used my credit card to help myself. Eventually, In XX/XX/XXXX he was XXXX XXXX by my baby brother here in my yard. At the time I owed the XXXX but had no way to pay it after I lost my jobs, church affiliation and everything else it seemed. 
There was no victim assistance for the domestic violence I suffered and I have no way to pay this bill now. There is a judgement against in in this matter in the XXXX County Clerk 's office. As a tax preparer I know that the US allows for bad debt write offs, uncollectible debt tax credits and all other assistance. Please can you help me tell them.

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 2018-03-31
Company: JPMORGAN CHASE & CO.
State: NJ
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 XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX CHASE placed inquirys on my XXXX and XXXX  reports even while there is a fraud report and police in place I have contact chase thru mail and was sent a letter saying they were to be removed, to date none have been removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$22000.00}, {$20000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not 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 2019-01-06
Company: EQUIFAX, INC.
State: IN
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: Other problem getting your report or credit score

Complaint:
I submitted disputes via equifax.com and after receiving emails stating they have been completed, I am no longer able to access any information about my credit. I receive notices claiming my information doesnt match theirs so i can not access my account. A month ago i contacted Equifax via telephone and they ( in very broken english ) claimed their dispute program wasnt currently working. I STILL cant access my information at all. I feel like a victim of their scam. The other two reporting agencies allow me access just fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Me and my husband opened in XXXX a checking and savings account in JP Morgan Chase. I'm a U.S. Citizen and my husband a XXXX XXXX. On XX/XX/XXXX, we were informed by Chase that they were closing our joint account because " we are no longer offer personal and business banking accounts to current or former non US officials, their immediate families or close associates ''. Same thing with our credit cards. Chase gave us a 10 days notice. 

It's my belief that as a result of Chase 's new policy there is an evident discriminatory action against myself solely because I'm married to a " non - U.S. official ''. It's also evident that is my marital status the alleged cause to terminate with very short notice the banking and credit card services in the middle of the COVID-19 emergency. When establishing this policy, Chase is refusing beforehand to provide me with banking services not only in the present but in the future, when my husband retires from the Foreign Service and becomes a " former non -U.S. officials ''. 

By the way, I was a client in good standing and my two personal credit card accounts have been always properly managed. So please, take action and make Chase stop this discriminatory practice against US married to foreign diplomats.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: CN Collections, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2018 and many prior dates Ive been getting Robo calls ( automated calls ) repeatedly that instructs me to callback with threats about incarceration for a debt that I do not owe. I have called back the numbers and told them to stop calling repeatedly.

Company response to consumer: Untimely response
Consumer complaint received 2020-08-22
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I signed a Home affordable modification agreement with XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX, XXXX, NJ and the agreement is stated my term of eligibility and what my deferred price of a balance due of maturity and the agreement it states that the principal reduction feature which may reduce the deferred price of a balance in three equal installments of XXXX In accordance with section 3C of the agreement provided that the bar remains eligible for the principal reduction for the time. Specified a section 3 of the agreement Ocwen Loan Servicing LLC-Payoff fail to old up the end of the bargain now the pivot is such XXXX XXXX to XXXX XXXX the principal balance was $ XXXXNo adjustment will be made says this was the trial phase from XX/XX/XXXX to XX/XX/XXXX, {$58000.00} will be deducted and that will leave me a balance of {$110000.00} ( 1st deductible ) The 2nd deductible of XXXX us from XX/XX/XXXX to XX/XX/XXXX and the balance would be XXXX and the 3rd installment {$58000.00} from XX/XX/XXXX to XXXX/XXXX/XXXX the balance is {$000.00}. 
Ocwen Loan Servicing, LLC has failed to hold up their end of the bargain and refused to credit My account. I filed a complaint before regarding this matter. 
Ocwen Loan Servicing LLC then transfer the loan to PHH Mortgage Services akaXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX NJ XXXX on XX/XX/XXXX 2020

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: Shellpoint Partners, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied to refinance my home XX/XX/XXXX, company collected documentation and approved the loan application, but has refused to move to closing as of XX/XX/XXXX. Actively solicited my business for the refinance, but failed on their end. They strung me along by promising to resolve the issues. Rates rose while they strung me along, denying me the opportunity to go through another company to take advantage of historically low interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: AmeriHome Mortgage Company, LLC
State: GA
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 a XXXX in the XXXX XXXX whom was deployed from XX/XX/XXXX to XX/XX/XXXX. In XX/XX/XXXX, my mortgage was sold from XXXX XXXX  to AmeriHome Mortgage while I was still deployed to an austere environment. The only notification of this action was sent via the Postal Service which I was not home to receive. I had selected auto payments for the mortage with XXXX XXXX and that information was not relayed to AmeriHome upon sale of the mortgage. Subsequently, AmeriHome did not receive any mortgage payments from me for 3 months until I returned home from deployment and collected the notification in my mail. Without receiving payments, AmeriHome began to report my account as delinquent which negatively impacted my credit score ( from XXXX down to XXXX XXXX. I am a Single XXXX ( no dependents ) and the rapid nature of the deployment did not allow time to set up any mail forwarding. I contacted AmeriHome immediately to sort out this situation. At first, it seemed AmeriHome was going to help to fix the problem as they requested I send in my deployment orders to verify I was indeed deployed during the time they took over my mortgage. AmeriHome verified I was deployed and waived the late fees as I made a lump sum payment to get my account current in XX/XX/XXXX. However, AmeriHome was not willing to retract their negative credit reporting on my account with the company. AmeriHome maintained that their reporting was accurate and my inquiries with XXXX XXXX, and XXXX had the same response. It wasn't that I didn't have the monetary means to make the payments. The problem is that I was deployed, notification of the mortgage sale was sent in a manner that was impossible for me to receive in a timely fashion, and my payment information was not conveyed between the old mortgage holder ( XXXX ) and the new mortgage holder ( AmeriHome ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: McCarthy, Burgess & Wolff, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter in the mail XX/XX/XXXX, when I opened the letter, the first give away was the letter was dated XX/XX/XXXX. The letter stated that McCarthy, Burgess & Wolfe collection agency were trying to collect a debt for XXXX XXXX  XXXX for {$210.00}. Within 5 minutes of starting to read the letter, i get a phone call from this company saying it was a recorded line and they were trying to collect this debt, I explained to him that there was no debt owed and that I was going to call XXXX XXXX right then, he then proceeded to tell me that they will not talk to me about this matter since it was turned over to them, he kept pressuring me to pay this amount. After about 15 to 20 minutes of him pressuring me I hung up the phone and called XXXX XXXX which confirmed that there was no debt owed to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Purchased two tickets to fly to XXXX in XX/XX/XXXX at XXXX XXXX XXXX, for myself and my wife Tickets purchased on XX/XX/XXXX Used miles to purchase tickets, XXXX miles per ticket Paid taxes by Chase XXXX XXXX XXXX XXXX credit card XXXX, for myself : {$140.00} Pais taxes by Chase XXXX XXXX XXXX credit card XXXX for my wife : {$93.00} XXXX XXXX XXXX offered free cancellation and full refund ( per their website ) I closed Chase XXXX Mileage Plus credit card XXXX around XX/XX/XXXX Cancelled tickets in XX/XX/XXXX, and XXXX miles posted back to our XXXX Mileage Plus accounts. Also received refund of {$93.00} back to Chase credit card XXXX According to XXXX XXXX XXXX, all taxes were refunded back to XXXX credit card XXXX on XX/XX/XXXX. They said since the credit card was closed, I should have received check from the Chase bank Contacted Chase bank regarding refund, they said they did not receive any refund from XXXX XXXX XXXX XXXX XXXX insisted they did process refund successfully on XX/XX/XXXX, opened a complaint with CPFB ( XXXX ), asking Chase to issue refund. 
The Chase final response ( attached ) was that even though XXXX XXXX XXXX attempted to issue refund, it was rejected on XX/XX/XXXX Since then, has contacted XXXX XXXX XXXX multiple times, and has received two responses alternatively : Refund was issued on XX/XX/XXXX, and I should contact my bank An itinerary change was made by XXXX, and that XXXX no longer has access to the itinerary, and that I should contact XXXX regarding refund Did contact XXXX, and they were unable to locate my itinerary, and also stated that since the original purchase was made with XXXX, only XXXX can issue any refunds

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: JPMORGAN CHASE & CO.
State: CA
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:
I have had the XXXX XXXX XXXX for over 17 years and chase just closed it in XXXX for no reason at all and never contacted me about it. 

I am currently looking to purchase a home and my credit has dropped by 30 points for no valid reason except that they closed my account. 

I have never been late to make a payment for 17 years and the card has been in good standing and this action by a big bank is hindering my homeownership dreams. 


The reason I have not been using the card in the past year is in order to reduce my debt to income ratio so I can purchase a home. Otherwise I have always used the card. 

I want chase to reinstate my card at the original terms ASAP so I can continue be able to purchase my house with good credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-22
Company: EQUIFAX, INC.
State: FL
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:
REQUEST FOR FREE XXXX XXXX XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the  automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX  score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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