BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened both checking ( ending with XXXX ) and savings ( ending with XXXX ) account at XXXX XXXX XXXX Chase branch around the beginning of XX/XX/2020. However, after I attempted to make a transfer of {$15000.00} to initially fund the account on XX/XX/XXXX, the transfer was cancelled on XX/XX/XXXX ( Attachment # 1 ). I also got a letter date XX/XX/XXXX that state that there is an unusual activity on my account ( Attachment # 2 ),  which I tried to contact Chase  promptly on XX/XX/XXXX 1 ) via phone to the call center with extremely long wait time of more than an hour 2 ) via phone to a banker at local branch and 3 ) via secure message ( Attachment # 3 ). However, both of my accounts were still closed by Chase due to the transfer on the same day, XX/XX/XXXX, state that " you didn't provide information we requested '' ( Attachment # 4 ), which would be impossible to response since the notice is issue the same day as the closure. This made it clear that the closure of these accounts are not my fault. 

Today ( XX/XX/XXXX ), I tried to reopen both checking and savings account at Chase branch with {$600.00} coupon offer code XXXX XXXX XXXX XXXX ( Attachment # 5 ) at the same local branch. The banker informed me that the system does not accept the coupon because of the accounts there were opened on XXXX and closed by Chase shortly afterwards and I will have to wait for two years if I want to get an opening bonus again. 

However, the coupon wording clearly that You can receive only one new checking and one new savings account opening related bonus every two years from the last enrollment date and only one bonus per account. Since I have never received any bonus from Chase. It is clear that I should be able to use the coupon, especially since the past closure of both of my accounts were clearly not due to my fault. 

As such, I request that Chase modify the system to allow me to use the {$600.00} coupon or provide any other means that would allow me to open both checking and savings account and receive {$600.00} opening bonus in the same way as with using the coupon. 

To be clear, I would like to say that all the bankers at local branch are very helpful, treat me very nicely and I would like to thanks them for all the help so far. However, the process of opening the accounts at Chase overall is extremely frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Caliber Home Loans, Inc.
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX I was approved for a loan modification after exiting the XXXX special forbearance. With the assistance of the CFPB and VA mortgage helpline, Caliber offered a loan modification. Some of the terms of the modification were that Caliber would submit to the VA a request for a partial claim payment, and offer an interest rate of 4.375 %. Despite processing the loan modification, Caliber has continued to refuse to accept online payments, and " lost '' several checks I sent in as payment. I have previously documented these issues with the CFPB, yet Caliber continues to refuse to offer an efficient and modern way to pay my mortgage. 
In XX/XX/2022, servicing of my loan was transferred to XXXX. When the loan was transferred, Caliber failed to notify the new servicer of the partial claim payments, or any payments I had made on the mortgage, resulting in XXXX calculating an alleged debt of {$88000.00} as of this writing. I received a notice from a XXXX XXXX threatening foreclosure, despite the fact that I had requested XXXX and Caliber update the data regarding my mortgage in their respective systems. 
Caliber has a long history of improper communication and failing to process payments and other loan documents as shown by my previous complaints, and Caliber 's responses, or rather lack thereof. I am pleased that my mortgage is no longer being serviced by them, but this final mistake may cost me my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: CBM Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Over a year ago i never received a bill for medical services. XXXX threw there gross incompetence and error used a false fake address of XXXX XXXX XXXX bayonet point fl XXXX. I never lived there and never received a bill from XXXX imaging service and i never received a debt bill or debt notice whatsoever! I spoke with XXXX and CBM Services Inc and they made up a false address and never sent me any bills and notice to collect a debt to my correct address of XXXX XXXX XXXX XXXX fl XXXX. Both refused to help me today and remove this charge i have had no idea what it was for from my credit report that was the ONLY one to notify me of this debt. Both XXXX and CBM Services Inc are in violation of they law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: TD BANK US HOLDING COMPANY
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: Account status incorrect

Complaint:
Issue : My mortgage with TD Bank was under COVID forbearance from XX/XX/XXXX, to XX/XX/XXXX, but charged late fees and reported to credit bureaus as late payments during the forbearance months. 

Facts : -Approved on XX/XX/XXXX to enter Forbearance for 3 months ( XX/XX/XXXX to XX/XX/XXXX ) -Called XX/XX/XXXX to get taken off forbearance as I was setting up a payment to settle deferred amounts from XXXX - XXXX -Made payment for the deferred amounts under forbearance on XX/XX/XXXX -Late fees charged for the 3 months in forbearance in early XX/XX/XXXX and reported to credit agencies as late even though under the CARES ACT, deferred payments made under the forbearance agreement can not be reported as late and affect credit Remediation taken with TD Bank : -Called Loss Mitigation Department ( XXXX XXXX ) on XXXXand spoke to XXXX and requested her to remove late fees and update credit information that the mortgage was not late -On XX/XX/XXXX received notice that credit score was impacted - TD bank reported to credit bureaus XXXX was late -On XX/XX/XXXX : 1 )  Called Loss Mitigation Department again ( XXXX ) to request removal of late payment remarks and removal of fees, but directed to the loan servicing department ( XXXX ) to remove fees and to submit this form to address credit report mistakes. 
2 ) Sent by USPS certified mail to TD Bank to address late fees and remove late payment remarks to credit agencies. 
3 ) Called loan servicing department ( XXXX ) and she submitted to payment research team to remove late fees and rescind negative late payment marks on credit bureaus -As of XX/XX/XXXX, TD bank removed late fees, but credit agencies have not been updated to remove late payment remarks on the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-03
Company: Ocwen Financial Corporation
State: PA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Just because the company responds does not indicate the problem was addressed. Complaint # XXXX is not a duplicate but a continuation of my household goods being confiscated immediately after foreclosure as payment for the debt discharged in bankruptcy. XXXX XXXX instructed XXXX to secure the property I was residing in. They auctioned my contents and I need to be reimbursed or the contents returned. I believe a response is not a resolution!

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 2020-12-01
Company: National Credit Systems,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: Investigation took more than 30 days

Complaint:
I sent in letters to the credit bureaus stating that i had invalid and unverified information on my credit report and I have not heard anything back from the credit bureaus. Please remove the accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
I have requested to verify through the physical verification of the original signed consumer contract. XXXX XXXX has not send me a copy of the original signed consumer contract nor have they deleted the accounts. I have provided a list of the accounts in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-21
Company: American Credit Acceptance, LLC
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Paid my bill 2 days earlier from my due date. I was saying ok i should have more money add to the principle. I look at the account only XXXX dollars was applied to my principal. I called ask how only XXXX dollars was applied. They told my after i made my payment last month. The next day it start collecting interest again. I told the lady thats illegal. They interest isnt supposed to start again until the new billing she told me no it start over the next.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

I XXXX XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

I XXXX XXXX XXXX  XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

I didn't authorize this inquiries on my report. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/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 2021-01-26
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:
information that does not belongs to me was added to my credit report file, despite several unsuccessful attempts via telephone calls, trying to have the error fixed, removed from my credit file, it seems it was not going to be resolved. I have decided to try different revenues as such. please remove and block the listed negative report from my credit file as they don't belong to me, and should not be effecting 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
Consumer complaint received 2018-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have called XXXX XXXX to please take this paid in full account off my credit 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 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, This item ( XXXX XXXX ) is inaccurate ; my credit limit is not {$0.00}. I am requesting that this item be deleted, as it is in violation of the FCRA. 

Enclosed is documentation supporting my request ( a copy of my most recent credit report ). 

Please investigate this matter and delete the disputed item as soon as possible. 

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
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: GA
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 sent in a complaint in XXXX of 2021 about some accounts on my credit that are not mine. I received a response back from the bureaus stating they was looking into and would get back to me within 60 days but as you can see we at almost 2 years and still nothing. Can you all please remove XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX There is also an account who doesnt have a name for the company but it do have an account number XXXX. Please have this one removed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
On XX/XX/2020 I sent a dispute letter for those accounts that I found unknown and inaccurate on my credit report it was almost 30 Days today but I haven't received any response. I was a victim of XXXX Data Breach. I demand to Remove ASAP those accounts or I will file a litigation.

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 2017-08-09
Company: Diversified Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I filed a dispute with XXXX in reference to a debt collection company called Diversified Consultants and the results of the dispute stated that the debt was verified. In the dispute letter that I sent to XXXX I speciaffically stated the following : " Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately ''. According to letter I sent and the law they are to provide me with a original contract and I have not recived it. XXXX reported that is was verified and that the company was not required to send them any documentation verifiying the debt. I then contacted Diversisfied Consultants and they said that they did not have an original contract and that they did not have to provide the contract to me or the credit bureau. According to the FCRA it is required by law by the collection agency and XXXX to provide the original signed doucuments proving that this is my debt. All I want is the proof and if they can not prove this is my debt I would like it to be deleted from my credit file immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Received a letter through XXXX stating I would be sued for payment on a " debt ''. I have never heard from this company before, so the option for verification of said debt has not been allowed. The envelope also had " do not return to sender ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Late XXXX, I was notified that my Mortgage Servicer was being transferred from XXXX XXXX to Select Portfolio Servicing. I tried to pay my mortgage on XX/XX/XXXX to XXXX XXXX, but they stopped accepting payments on XX/XX/XXXX. I called Select Portfolio Servicing because I had not received any communications from them at that point. I needed to know that this transfer was valid, and not a scam. I asked them to send me documentation and a bill. They provided me with a new account number at that time. I did receive documentation, but still no bill. I was told that there would be no late fees within the first thirty days after the transfer. 

I started receiving phone calls ( but no message left ) around the XXXX from XXXX XXXX XXXX. Finally, they left a message idenifying themselves as Select Portfolio Servicing. I decided to log into their website and make a payment. When I logged in, I noticed on my dashboard a message indicating that I had opted for paperless billing, which is not true. I also noticed a statement that 'all online payments are subject to a {$15.00} 'processing fee '. 

I called them back the next day, and a woman insisted that I make the payment over the phone by check. She said that she would waive the {$15.00} fee for telephone payment. She claimed that I was not set up for paperless billing, despite the website advising me otherwise. I asked her, if this was so, why had no one sent me a bill for 19 days? How was I supposed to pay a bill I had not received. She explained that I could use telephone or online payment. 

I already have finincial problems due to COVID-19, and an extra {$15.00} is not acceptable ( and would still not be if I did not have financial concerns ). I pay all my bills online with no servicing fees, including the last 6 or 7 years with XXXX XXXX. 

This is unacceptable proce gouging i the best of times, but expecially now. Online bill payment is a modern convenience. I did receive a bill for my XXXX payment on XX/XX/XXXX, meaning it is impossible that I can get a payment to them via US Mail by XX/XX/XXXX. 

The fee is absordinate, simply put, and Select Portfolio Servicing has done a terrible job transitioning. How can you trust a company like that?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: Experian Information Solutions Inc.
State: IL
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 am a federal protected consumer and the following adverse actions have been committed IN accordance with 15 USC 1681 by the consumer reporting agencies : 15 USC 1681b ( a ) ( 2 ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

EXPERIAN did not receive written instructions form the consumer ( me ) to furnish any of my information to creditors or debt collects or allow any corporation to put anything on my Consumer report.

I sent an affidavit of truth the the CEO of EXPERIAN requesting a sworn affidavit by me the consumer given Transunion written permission to furnish any information from my consumer reports to any corporation or allow any corporation to furnish any information to my consumer report. Transunion did not respond properly. AN affidavit can only be rebutted by an another affidavit line by line.

15 USC 1681a ( d ) ( 2 ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card ( SSN card ) or similar device ; Experian has allowed corporations to furnish inquiries on my consumer report which is looked at as an authorization and the law clearly states that authorizations are an exclusion. A credit transactions and or experience between the consumer ( me ) and the person ( corporation ) are an exclusion as well EXPERIAN has committed these actions against me, the consumer and this has caused financial injury and ruined my reputation and my credit worthiness. EXPERIAN is civilly liable for each action committed against 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
Consumer complaint received 2021-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was forcibly charge on my card I had replaced and the amount was doubled. I contacted the sources a refund was issued. And not it is showing on the statement 4 times as adjusted but never returned as credit. It becomes confusing and I do not want to be take advantage of assuming the professionals are going to handle this occurrence.

Company response to consumer: Closed with explanation