BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-24
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I had a chase checking account that I have upgraded to Premier Platinum Checking in XX/XX/2018 and at the same time with the same banker opened a total business checking account as with the Premier Platinum Checking, it will have no monthly service fee on this account. It was confirmed with the banker when I open this account but yet a $ XXXX monthly service fee and Chase ACH Monthly Payment Fee $ XXXX/month was applied to this account when no ACH Payment was ever made with the account. 

No matter what I do after discovering this overdraft and NSF, I have had transfer funds between my personal and business account and try to cover purchase but as I am not able to log in every day to monitor or meeting the cut off time at times and once the overdraft started i.e it was 3 {$20.00} transaction overdraft 1st day being charged {$34.00} ( standard NSF fee ) *3 the max chase have set {$100.00}, even when I have covered the amount of the purchase by depositing {$60.00}, but because of the NSF fee, my account continues to overdraft, and many times I have deposited more than the amount to cover the purchases but because of the continue in debt of overdraft fee which many will not trigger if it wasn't for the unnecessary fee charged that supposed to be waived, it ultimately troubles me financially. Even on an item that was not paid, I was charged for returning the item? 

In this past year, I have been charged in total over {$1200.00} which in my opinion over {$1000.00} of these fees are problematic. and over {$800.00} just from XX/XX/XXXX to today alone in my personal account. in the newly open business account, it had in total resulted in a loss in my account of over {$800.00} solely in fees. Some of these fees were refunded when I contact but many are not and I still continue to be charged this fee despite I was told ACH Payment service will no longer be active as I did not activate it. When the fees were refunded, they were not back dated as it was charged in error as otherwise some of these NSF would no longer even had been triggered that put me in this fee debt trap I am in right now

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-18
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY
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:
On XX/XX/XXXX, I started an online chat with XXXX XXXX regarding some confusing messages I'd received about my Perkins student loans. Their website says my account is in forbearance till XX/XX/2018 ; but I received a bill showing a balance due next month. 

When I applied for the forbearance, it was my understanding that interest will continue to accumulate on the account, but you don't have to pay it till the forbearance is done. I spoke to XXXX via chat and she said that my account was actually past due and that I needed to pay. While chatting, I XXXX  the terms of a Perkins Loan forbearance and found three sites [ plus the Perkins Loan forbearance form itself ] which say that while interest will continue to accumulate, you can wait till the forbearance is done before paying it off. 

I confronted XXXX with these facts. She then said that was what she said. I copied and pasted what she ACTUALLY said. She proceeded to apologize, confirmed that I was right, that my account was in good standing, and kept telling me that she was in training. I demanded the name of her supervisor ( XXXX XXXX ) and was told that I could call to make a complaint. I attempted to call XXXX and was on hold for 7 minutes before I gave up and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: PENTAGON FEDERAL CREDIT UNION
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Multiple Hard Inquiries were made without my consent or incorrect dates and followed credit bureau instructions to reach the lenders but they havent been able to help.

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 2021-05-25
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Nationstar, dba Mr. Cooper did not post my XXXX mortgage payment to my account even though they cashed the check and it cleared my bank. 

I notified them and they still did not fix the problem. 

They then applied an autopayment for XXXX to the open XXXX payment. 

They then reported me to the credit agencies and my credit score plunged from XXXX plus to XXXX. 

I was not notified and did not find this out until I was applying for a car loan on XX/XX/XXXX and denied credit. 

When I contacted the Mr. Cooper again they told me if I did not pay over the phone they would be taking further action. I paid over the phone along with a penalty. 

Now they are telling me they did not cash the check? 

Even though customer service has the cancelled check - they can't fix the problem. It gets referred to XXXX  - they will not talk to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: Experian Information Solutions Inc.
State: MO
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:
I disputed with Experian about an address that is not correct. It says XXXX XXXX on XXXX XXXX XXXX in XXXX, Missouri XXXX. Because of that address it is affected me getting future credit. I live on XXXX XXXX XXXX XXXX, Missouri XXXX. Any and all incorrect information on my report should be removed. I asked if you would step in and tell them to remove that address on my report. If it is not accurate then I have the right to have it removed. Thank you very much

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 2022-01-05
Company: EQUIFAX, INC.
State: VA
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, XXXX alerted XXXX Inquiries on credit. XXXX, I called companies with inquires. Found an unknown suspect used my name, SSN and addresses to make injuries to obtain goods-services, left suspect info not my own : XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX. Additional fraud soft inquires via XXXX ( XXXX XXXX, On the XXXX XXXX ). XXXX suspect ( XXXX ) made additional fraudulent hard and soft inquires with credit bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Network XXXX XXXX XXXX XXXX ) ; Equifax ( XXXX XXXX, XXXX XXXX ). Additional suspect information was supplied by the businesses that the suspect used email XXXX and phone XXXX. 
XX/XX/2021, I made a police report with the XXXX VA Police, report number XXXX. 
XX/XX/2021, I updated an FTC Report XXXX : XXXX In contacting all XXXX credit bureaus they wanted me to do the investing and have the companies that requested the credit retract the inquires. 
Some have corrected the hard inquires but, XX/XX/2021 XXXX I called XXXX and per first name - XXXX XXXX XXXX ID XXXX, file # XXXX to reference this call. XXXX will not remove soft inquiries from my report even though I told him it was fraud and have made reports with PD and FTC. Will have a supervisor call me back within XXXX days, but they can not remove them. No one called and no one corrected my credit report. I continue to get emails from the credit company saying my credit score could be better if I paid money to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: MIDFIRST BANK
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Midland Mortgage. I am being charged extra fees on the account monthly. I am not late on the payment, paid well in advance. It is a modification loan from XXXX. I have requested several time for a reason for the fees and a history of the account as well. I get transferred from person to person, they tell me they are going to mail to me in 7 to 10 days. I have yet to receive the documents from them. I also made a large payment on account back in XXXX  and have called to find out what happened to the payment and to provide how it was applied, no documents provided. 
I have emailed the VP of Midland, as well. Have not received any responds, as well. I am finally had a place in my life, that i can deal with the stress and try to get answers from them. I was over paying my mortgage each month as they estimated my escrow account by almost {$100.00} a month. Then they created these extra fees and started applying the over payment each month to the fees instead of principal on the loan. 
When ask to speak to a supervisor, they transfer to another co worker instead. I have looked online and several other people are having the same issue. They prey on people when they are at the weakest and take advantage of them with this so called fees. I have made several attempts to work this out with Midland Mortgage with no results. 

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 explanation
Consumer complaint received 2018-06-18
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I contacted NCB Management Service to get my account number. I wanted to send them a letter of validation. I noticed on my XXXX credit report that a had a negative entry from NCB Management Service dated on XX/XX/XXXX. I never had an account with NCB. The customer rep stated on the phone that they no longer have my account and it has been sold to XXXX XXXX. I asked them to please remove the unauthorize entry. The rep stated that nobody there had the power to remove it out and rudely hung up the phone. I would like to ask NCB to validate this account or delete it immediately. Please have NCB to provide : 1. Proof that you either own or were assigned the debt from the creditor.

2. Proof that you have the right to collect this debt in my state.

3. Proof that your company carries a bond.

4. Proof that the Statute of Limitations has not expired.

5. Complete payment history on this account along with an accounting of all additional charges being assessed.

6. Copy of the original contract bearing my signature.

7. Your license numbers and Registered Agent 8. Name and address from the original creditor.

Please do not send a computer printout itemizing your outstanding debt, as this is not sufficient proof according to the Fair Trade Commission opinion letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Credit bureaus have not responded to my letter of I accuracies on my credit file with their company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Convergent Resources, Inc.
State: FL
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:
In XX/XX/2020, I was contacted by XXXX XXXX at Convergent Outsourcing regarding an open collections account with XXXX XXXX XXXX. The representative gave me a settlement amount on which I was lead to believe by her I would have this account deleted off of my credit reports. I asked repeatedly if this account would " fall off '' and just kept saying hmm hmm. I went ahead and paid the settlement amount for about half of the account amount. After a few months, I realized the account was still reporting to the bureaus and I called the collector to speak to a supervisor. 

XX/XX/2020 XXXX Convergent Outsourcing XXXX Spoke w/ supervisor Spoke with Mr. XXXX, who identified himself as supervisor for Convergent Outsourcing. I explained to XXXX that during my conversation with a Convergent outsourcing Representative XXXX XXXX in XX/XX/2020, I worked out a settlement agreement in which I was lead to believe this settlement would result in a deletion of this account on my credit report. Mr. XXXX advised he would listen to the said phone call and would contact me back at my personal cell phone number within the hour. 

XX/XX/2020 XXXX Called Convergent Outsourcing due to not hearing from Mr. XXXX yesterday. Spoke with representative who stated she will ask supervisor to call me as soon as possible. 

XX/XX/2020 XXXX Mr. XXXX called me back and stated he listened to the phone call from XX/XX/2020 using my phone number and that Ms. XXXX neve

r used deleted and I explained she never clarified and explained after I asked repeatedly if the accounts would fall off my reports and then he stated that they have absolutely no reason to explain anything to me and they do not have to explain anything to me they just need to collect. I advised him I would report this to the bureaus and CFPB and he said to go right ahead. I have disputed this account with all 3 major credit bureaus an
d XXXX XXXX then updated the account to Charge Off. They refuse to remove this 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 2018-07-02
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: Account information incorrect

Complaint:
I never hired or authorized this medical doctor to do anything. Any services that may have been requested was done by another doctor or hospital. I never agreed to make payment or be responsible for payment. I also have XXXX  XXXX XXXX with a 100 % coverage and no deductible even if I authorized the medical services ( which I did not ) I would have been covered by my health insurance provider. Furthermore I have no judgement in a court of law stating I owe this balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: The CMI Group, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company includes XXXX  and CREDIT MANAGEMENT, I was living in XXXX XXXX XXXX mi with XXXX  services. I called many times to complain about internet not working on area after a few months I canceled my internet due to lack of connectivity the XXXX  representative wouldnt even work with me but was extremely rude and she said theres nothing that I can do its just going to go to collections I said why would I pay for service that I can not use? she said that is not my problem. I mailed back XXXX  and didnt get any notice after that of me owing. Until it was in my credit report. Also if you look at the months from the time I started service and the first collections date is inaccurate how would I go into collections the month after I had service turned on? As for credit management the amount of phone calls and the way they speak to people is wrong you can not shame me into paying for something I do not owe

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-29
Company: EQUIFAX, INC.
State: MO
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 received a credit score disclosure from XXXX XXXX The information on the disclosure that they claim to have received from the three credit reporting agencies is incorrect. Equifax XXXX XXXX XXXX   show erroneous information. I have included in this correspondence a copy of credit report from XXXX   that I obtain today.As you can see by the correspondence that I have included I have paid my bills on time every month without failure.And the credit score that this company shows is quite different than what XXXX  has on their report. XXXX XXXX and Equifax show no late or delinquent accounts or collectionAccounts which those companies shows on the reported information that was received from XXXX. The information is incorrect on all three and I want the false information removed and corrected please see the supporting documentation uploaded

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with SELECT PORTFOLIO SER. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and SELECT PORTFOLIO SER with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XXXX - XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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 was shocked when I reviewed my credit report and found late payment on the following accounts and dates below : XXXX not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my statement got merged with someone else 's account did not get to me. 

CAPITAL ONE XX/XX/XXXX CAPITAL ONE XX/XX/XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-29
Company: CAINE & WEINER COMPANY, INC.
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: Account information incorrect

Complaint:
An original letter dated XX/XX/2019 requesting the inaccurate entry being reported under, I have recently been informed that there is negative information reported by Public Records - USBK Court New Jersey Docket # XXXX in the file you maintain under my social Security number. Upon reviewing a copy of my credit report, I see an entry : XXXX XXXX  XXXX. # XXXX {$500.00} Caine & Werner # XXXX. {$380.00} XXXX XXXX  XXXX XXXX  # XXXX {$1200.00} XXXX # XXXX Please feel free if you should need any additional information. I can be reach via e-mail : XXXX or mail XXXX XXXX XXXX XXXX, NJ. XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: BARCLAYS BANK DELAWARE
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: Account information incorrect

Complaint:
An original letter dated XX/XX/2019 requesting the inaccurate entry being reported under, I have recently been informed that there is negative information reported by XXXX XXXX - XXXX Court New Jersey Docket # XXXX in the file you maintain under my social Security number. Upon reviewing a copy of my credit report, I see an entry : Barclays Bank Delaware. # XXXX {$500.00} XXXX XXXX XXXX # XXXX. {$380.00} XXXX XXXX  XXXX credit # XXXX {$1200.00} XXXX # XXXX Please feel free if you should need any additional information. I can be reach via e-mail : XXXX or mail XXXX XXXX XXXX XXXX, NJ. XXXX. 

Sincerely, 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 2018-06-13
Company: Statebridge Company
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
company has responded with ... 
Thank you for submitting the requested documents. Please submit pages 1 & 2 of bank statements for XX/XX/2018 -XX/XX/2018. 

Please note we must receive the requested documents in order to have a complete package and be review for a modification. 

then they responded with another email to disreguard the previous email. I had the impression that the documents i submitted was enough to satisfy them. 
i have not heard back from them at all. 
i submitted all that they required me to submit. A hardship letter. Tax returns. income. divorce decree. And more. they had me fax all the paperwork to them. they have not responded back to me Statebridge Loss Mitigation Mailbox Loss Mitigation Statebridge Company XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX CO XXXX ( p ) | ( f ) ( XXXX ) XXXX ( Toll Free ) XXXX XXXX statebridgecompany.com

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Shellpoint Partners, LLC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have submitted a dispute with XXXX, this company got my information, I never provided consent for any information or have had an account with them. On numerous times Ive spoken to them and they have refused to provide any details. Now they have reported collection to credit agencies for the amounts of XXXX that is owed and claim 180 days past due. I have never applied for credit for this mortgage as well. No record found.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation