BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-09
Company: JPMORGAN CHASE & CO.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is an amendment to my prior CFPB complaint submitted against this unethical comany. Complaint # XXXX. 

Last week I discovered that Chase failed to pay my home owners insurance annual premium, FROM THE ESCROW ACCOUNT THAT IS AT ISSUE IN MY PRIOR COMPLAINT, when I got a text from my insurance company telling me that my policy would lapse at XXXX that night if not paid. 

When I called Chase, I was asked to confirm that XXXX was my current carrier. I advised them that there had been no change and was puzzled as to why it was not PAID if they KNEW who the insurance carrier was. I was not given any type of answer. I was however advised that it was likely not paid because the insurance company had the WRONG ADDRESS. When in fact, Chase had the wrong address. Chase has the mailing and property address FOR THE PROPERTY THAT IT IS THE MORTGAGE HOLDER ON. Chase has XXXX XXXX XXXX XXXX, XXXX XXXX NEVADA XXXX. When in fact the property address is XXXX XXXX XXXX XXXX, XXXX, NV XXXX. How is this? I was then advised that this was likely " the address that was on the original loan documents. '' I advised that was incorrect. My prior mortgage holder had the correct address on file and the documents would never have recorded correctly to transfer ownership. I was then transferred at least 4 times wherein the representatives could not understand that Chase has the wrong address. I was asked to send in tax documentation to confirm the property address and the parcel ID #. I refused - it is not my problem. I have attached a PDF print out of the XXXX County Assessors office supporting my assertion that Chase has no idea what they are doing. 

This has got me believing that Chase likely does not have a correct or accurate copy of my loan documents. I mean, if they did, they would know the correct property address, right? 

Lastly, I continue to get calls in response to my prior CFPB complaint which seem to miss the point. My concern is not regarding the payment of my special district taxes - DESPITE THE FACT THAT IT NOT PART OF MY ORIGINAL LOAN AGREEMENT. My problem is that Chase is apparently unwilling to allow me to make a deposit into my escrow account ( WHICH IS VOLUNTARY AND MY MONEY TO BEGIN WITH ) and the reassess or re-evaluate my escrow account as to any " projected shortage '' that may occur over the next year ... so that once that is done, my monthly payment will not increase. Chase apparently does not care what is in my original loan documents, what would be a " Courtesy '' for its customers ( I have never asked for a courtesy revaluation of my escrow account with Chase and I believe that I am entitled to ask for that, in writing, in the event that I do not agree with the projection. ) This is not rocket science, but common courtesy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 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, XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX   XXXX/XXXX  XXXX, XXXX XXXX/XXXX, XXXX, MEDICAL Company Inquiries : XXXX/XXXX  XXXX XXXX/XXXX  XXXX/XXXX XXXX   XXXX/XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: EQUIFAX, INC.
State: NV
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:
Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX Opened Date XX/XX/2017 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX  XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX of XXXX I closed on a streamlined mortgage refinance with Lakeview with a representative, XXXX XXXX. After my closing, I received a call saying that the payoff for my original loan was shorted. XXXX did whatever needed to be done to get this resolved. When I signed the refinance documents, the note said that my first payment due was XX/XX/XXXX. After the payoff was shorted and that was resolved. I was told over the phone that my new payment was on XX/XX/XXXX. I emailed XXXX immediately and she confirmed and sent me a screenshot showing the new payment date. In the mail, I received my welcome letter from the loan servicing company XXXX XXXX, with my account number, servicing information and the first payment due on that letter also said XX/XX/XXXX. Even if I was supposed to make the payment on XXXX I would have never been able to because I had no access to do so until XXXX. In XXXX, I made my payment and noticed that the new due date did not change. I looked at the history of my payments and they reversed my payments to reflect a first payment was due on XX/XX/XXXX without even notifying me. I have called and emailed them for the last 4 months trying to get this resolved. Every representative Ispoke to said they will take care of it and nothing has been resolved. I called XXXX, XXXX had her boss reach out to someone and it was still not fixed. This is destroying my credit, I have accrued late feed and I've had enough. Please help me get this resolved and report them in whatever way you can.

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 2019-01-26
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have listed all the problems on the attached documents. It includes wrong interests and fees, discriminations with APR changes, no notices of change when appropriate, breach of contract due to privacy, and credit reporting. The company has accepted responsibility for the errors, but they are not ready to take responsible for my recovery from the damages I have suffered as a result. I feel very discriminated against and harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: EQUIFAX, INC.
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 had an account on my credit report by the name of XXXX XXXX XXXX. That account was bought out by XXXX XXXX XXXX. XXXX sent me a letter saying they have closed the file and terminated collection action which means the entire account should have been removed from my credit report. XXXX no longer shows on my report, but XXXX still appears. If XXXX bought the account and removed it, the entire account should have been removed. Also, they will not send me proof of my signature on the account or any type of verifiable proof like I requested from them in my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX XXXX - FINAL PAYMENT {$2000.00} ON XX/XX/2019 Creditor closed the account with a Cancellation of debt/settlement Creditor ensured they would removed this negative item from my credit/consumer file report.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Overdraft fees were high and they and always took place when balance was low

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 2019-01-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The company has 2 files they are reporting to their clients. One report with no changes and one with some changes. 
I'm sending the incorrect balances showing on my reports as attachments. In results of the errors is showing incorrect fico scores to all that views my report!

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 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I sent letters to Transunion Credit Bureau last XX/XX/XXXX, And now we are in the month of XX/XX/XXXX and have not received any response from them. That means Transunion 's failure to respond will result in the complete deletion of all items on the reports. Credit Bureau failed to comply with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  Balance {$13000.00} Opened Date XX/XX/XXXX XXXX XXXX Balance {$710.00} Opened Date XX/XX/XXXX XXXX XXXX  XXXX Balance {$10000.00} Opened Date XX/XX/XXXX XXXX Balance {$440.00} Opened Date XX/XX/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 2019-01-26
Company: EQUIFAX, INC.
State: NY
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:
Hi my name is XXXX XXXX XXXX residing at XXXX XXXX XXXX XXXX ny XXXX phone number XXXX and I am contacting you because Equifax is continuously reporting items on my credit reports that are fraudulent and do not belong to me and I have made them aware of this problem several times and have also sent them police reports to back up what I am stating, but yet this company still reports things that arent mine. This is causing serious XXXX related issues due to stress XXXX XXXX and the list goes on I can also provide my medical records if needed because my next step is seeking legal help if this issue isnt fixed as I am XXXX and also have a XXXX yr old XXXX child to take care of and this is all unneeded stress that could be avoided. Let me explain what this company does and maybe if you look at prior credit reports of mine you will understand what I have been going threw with this company. Everytime my credit score raises they add fraudulent accounts to make my score drop or delete accounts in good standing its a shame how these companies get away with the fraudulent activity they do but I have been studying Equifax for almost 2yrs now and I will be filing a lawsuit this time if this issue isnt fixed. The items that should be removed because they are fraudulent and do not belong to me are {$290.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/2015 + {$320.00} Original creditor : XXXX XXXX XXXX XXXX  these are fraud and I want them removed at once from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: ORG GC GP Buyer, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I don't know why I must spend so many countless hours trying to get GC Services to repsond to my authroized represenatives letter ( s ). GC Services will not stop calling me even after I asked them stop calling on my cellular telephone. 

PLEASE CONTACT XXXX XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good day, This makes my 2nd complaint with you all against Portfolio Recovery. I've reached out to them on several occasions and no success. I've repeatedly asked them to provide me with a signed contract by me to validate business between me and themselves or a signed contract by me to validate the subject debt/account. To date, I've only received an explanation from them on how they acquired the account along with a billing statement which VALIDATES nothing. Again I point out to you that I also checked my states licensing site and see that you are currently licensed until XX/XX/XXXX which was effective as of XX/XX/XXXX however I see that my credit file was updated prior to XXXX ( XX/XX/XXXX ). Attached you'll find my initial complaint ref #, my comments, their response which I assume was accepted by yourselves as you closed out the complaint and again my response to that. After that was closed I received yet another letter from them stating they've requested additional information which I've not provided and I won't as I do not have any additional information to give. Also, I did also contact XXXX XXXX directly ( as I'm a current customer of theirs ) for assistance as the subject at hand is listed as one of their accounts but they advised this wasn't something they could help with. As I seem to have no luck I'm again filing my complaint with you and will also file with the Federal Trade Commission, the XXXX  and the Florida Attorney General. 

Your assistance in this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, INC.
State: UT
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX {$51.00} XXXX XXXX {$14000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$0.00} XXXX Amount : $ XXXX Filed/Reported : XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: Experian Information Solutions 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:
regarding XXXX/XXXX  account no.XXXX appearing wrongfully on my XXXX   and experian reports . 
I NEVER ORDERED THIS CARD. 
I NEVER ORDERED ANY MERCHANDISE. 
ALL OF THE CHARGES ON THIS CARD ARE RETURN OR RESTOCKING FEES AND THE INTEREST ASSOCIATED WITH THOSE FEES. 
DELETE THIS FRAUDSTER 'S ACCOUNT FROM ALL CREDIT BUREAUS.

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 2019-01-26
Company: Resurgent Capital Services L.P.
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:
LVNV FUNDING LLC ACCOUNT NUMBER XXXX is wrongfully appearing on my XXXX  credit file.The collector is attempting to collect a debt for XXXX , XXXX, THE ORIGINAL CREDITOR. 
HOWEVER 1-I NEVER ORDERED A XXXX CARD 2-I NEVER ORDERED ANY XXXX MERCHANDISE 3-ALL OF THE MONEY LVNV FUNDING WANTS is for return, restocking fees, the interest associated with that and any fees the collector added. 
4-SO THE ORIGINAL CREDITOR AND THEIR COLLECTOR ARE SCAMMING AND EXTORTING USING CREDIT REPORTING TO DO THAT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/2020 I called to inquire about the promotional period on the credit card. I was informed that the promotional period was to expire on XX/XX/2020 ; I would have sworn it was for 18 months. Anyway with Covid my business has taken a hit so I entered into their Covid relief program. No payment for two months ; and I was told that the promotion that I was currently under would also be extended. I spoke to two different people that day and asked several times to make sure that it also extended the promotion of zero percent interest. I received my XXXX bill and it had interest on it so I called, explained the situation and he reversed the interest fee. Never did he tell me that it was a one time courtesy. I received my XXXX bill and again there was interest. I called today explaining the same thing and they were very rude and no way they would remove the interest because it didn't extent the promotional terms. I did a little research and this is what was on XXXX : What relief can I get? 
Citi puts it this way : We will waive late fees and the requirement to make the minimum payment due shown on your billing statement for two consecutive billing periods, starting with any minimum payment that is currently due but not yet paid. 
This issuer also notes that during the payment assistance period, the amount due on promotional plan balances will also be deferred for two billing periods and the promotional period will be extended. This could be useful if you're currently using Citi Flex Pay to pay off a larger purchase in fixed monthly amounts, for example. 
Cards may be ineligible for relief if they're already in an active hardship or forbearance program or if they're already more than 60 days past due, the issuer notes on its website. I spoke to four different people with zero help. When you call CITI it tells you that you are being recorded so I even asked that they please listen to their recording to find what I was told and it was dismissed. I would never recommend CITI Card to anyone.

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 2018-04-12
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On XX/XX/XXXX, US Bank, a banking institution, domiciled in Minnesota, received a money transfer for me through electronic transfer, ( ach ). They proceeded to tell me the funds were not in their possession, even though, XXXX XXXX, confirmed to me, the funds left their possession, and they did not have them anymore. US Bank then told me they would be available, potentially in 2-3 days, once they confirmed they had them, even though I was told by the distributing company, XXXX, that they were transferred. 
At the same time, I wrote a check to The XXXX XXXX Tax Collector, dated XX/XX/XXXX, postmarked that same day, and mailed at the US Post Office, located in XXXX XXXX, CA. on that same day, XX/XX/XXXX. 
US Bank cleared and reduced my checking account by the amount of that check on XX/XX/XXXX. That is not physically possible to receive and clear a check in one day, at the same time they are telling me my funds are not available. 
When I called them, to ask them about this behavior, I was put on hold indefinitely, then told I could talk to a manager, which they then transferred me to another rep, not a manager. I was told I would be called back in three hours, which never occurred. When I called them back the following day, XX/XX/XXXX, after I saw online what happened. I was rudely talked to by a manager, and told that she was recording the call without my permission, and if I did the same, she would hang up. I hung up at that time. I believe the bank is using " float '' to deceive the consumer, without their knowledge, or agreement.

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