BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-18
Company: JAMES B. NUTTER & COMPANY
State: ID
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have paid XX/XX/XXXX 's mortgage but have been unable to pay for XX/XX/XXXX and XX/XX/XXXX does n't look good either. The problem is my credit union ( XXXX ) they charge me {$25.00} each time I am overdrawn which averages about {$250.00} to {$500.00} per month and that is the reason I have been unable to afford the mortgage,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
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 information incorrect

Complaint:
I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon.

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 2020-06-03
Company: The CBE Group, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was reviewing my account and seen THE CBE GROUP # XXXX collection inserted on my credit report. I never received any information about this bill and never had a chance to dispute the information. This has impacted my credit report and score and I'm not very happy. They should be sue

d as they are i n violation of my rights and causing me issues. Please provide the Validation of Debt and Method of Verification for t his account. This does not make sense how companies are allowed to as such and effect you in negative way. I have no idea of what this account came from ... 

The dates do even make sense. Opened on XX/XX/XXXX, but opened on XX/XX/XXXX. That sounds a little backwards to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: CORELOGIC INC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

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 2021-03-31
Company: Consumer Portfolio Services, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: JPMORGAN CHASE & CO.
State: IL
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:
Hello, I would like to request assistance in overdraft fees in my account ending in XXXX. I contacted the bank to see if the fees could be waived. I attempted to transfer the funds using my cell phone using my phone. I was not aware that there was a issue and the funds were not transferred from XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-04
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
To Whom it May Concern : I am filing a complaint with you about PHH Mortgage company. Our mortgage was sold to them about 4 months ago from XXXX XXXX. 
We decided to refinance with our local credit union with whom we do all our banking. We closed the new loan and paid the balance of loan with PHH Mortgage off on XX/XX/XXXX. After the loan was paid in full we were informed there was a balance of over {$700.00} in our escrow account that would be returned to us by PHH. As of today, XX/XX/XXXX, we have not received our payment. I have contacted them by phone at least 5 times asking them what was the delay in receiving our payment. I was told the check was issued on XX/XX/XXXX. 20 days after our closing. So, as of today it is nearly two weeks since the check was, supposedly, issued and we have not received it. I have informed several people at the company, in my many phone calls, that if my mortagage payment was as late as the check they are supposed to be sending us, they would have charged me a huge late fee of XXXX to XXXX dollars. It should also be noted that every person I talked to was obviously someone from out of the country due to their strong accents. So not only is the this company holding on to my monye they are also outsourcing our jobs. This behavior is outrageous and something should be done to prevent these financail institutions from taking advantage of consumers. As it says in the song " the rich get rich and the poor get children ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: CORELOGIC 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:
I check my credit score today and noticed 5 credit inquiries were made under my name on XX/XX/XXXX from XXXX XXXX without my consent or authorization. This is the 1st time my credit is impacted by identy theft, this happened to me XX/XX/XXXX when an unknown person/s took 2 vehicles out in my name, from 2 different banks at 2 different dealerships.

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 2019-10-04
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am a customer of Chase bank. On XX/XX/XXXX I entered the bank branch located at XXXX XXXX XXXX XXXX illinois. Approx XXXX I conducted my transactions on the inside of the bank. I utilized the inner lobby ATM. I attempted to withdraw {$600.00}. My money was not dispensed. I immediately notified the bank staff. Initially I was told by the banker my money would be credited back to my account because the ATM would recognize that it failed to dispense the money. 
However the money was deducted from my account. The money was not dispensed Chase bank has failed to credit my account accordingly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-18
Company: Aargon Agency, Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Aargon Agency Inc, collection agency, is listed on my credit report and has been not deleted. I was told once debt is paid, credit bureaus will delete information. I confirm with debtor, XXXX XXXX, that debt was paid this year. However, collection remains with credit bureaus. Also, I disputed many times and still nothing is removed.

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 2018-03-16
Company: SQUARETWO FINANCIAL CORPORATION
State: IL
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 recently checked my credit report and saw that I had a {$7200.00} collection with a company called XXXX XXXX. I have never had any accounts with this company and I feel they are fraudulently trying to collect this money from me. I do not owe this money and it must be some kind of mistake or fraud. In addition to this balance being removed from my credit report, I want this account discharged from XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2019-10-04
Company: WELLS FARGO & COMPANY
State: ID
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Wells Fargo is trying to collect on a debt that twice as old as it legally able to collect on. The debt is 14 years old and they have no legal right to collect on it any more. 

well forgo auto XXXX XXXX XXXX XXXX OR 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 2019-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I had filed a complaint against Bank of America. Part of the resolution of that complaint was they agreed and stated in a letter to me dated XX/XX/19 that I was not being reported ( derogatory ) to both XXXX, XXXX and XXXX XXXX XXXX , XXXX. On XXXX, I attempted to set up a checking and savings account at XXXX XXXX XXXX in XXXX, FL. XXXX XXXX XXXX refused to approve these accounts because of derogatory information being reported about me with XXXX and XXXX XXXX. I asked Bank of America to confirm that the information in that XX/XX/19 letter is accurate and they refused to help in any way possible. Neither XXXX or XXXX XXXX will provide any information. They said they are sending a report which may take as long as 2 weeks to get to me. They both said I could dispute the information but that process takes as long as 8 weeks and still may not clear up the matter as it is up to each individual bank to decide if they want to update their data regarding me. I have separately filed a complaint against XXXX XXXX XXXX because they have refused to provide specifics on why I was declined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-30
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
To whom it may concern : I have a collection account on my file from a collection agency named LVNV Funding LLC, my account number ends in XXXX. Please be advised that I am disputing this collection due to the fact that LVNV Funding LLC C/O resurgent Capital services P.O. XXXX XXXX, SC XXXX does not currently have a valid license in Illinois to collect on debts. This information is being stated on the XXXX website along with the Illinois XXXX XXXX XXXX website. I am requesting that you investigate this matter and delete this account from my credit file immediately or provide me with physical proof that LVNV Funding LLC is licensed in Illinois to collect debt. Your immediate response will be greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: EQUIFAX, INC.
State: TX
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 sent multiple letters to this credit reporting agency to remove/delete accounts and inquiries in their systems that they did not get my written, oral or verbal consent to report this is information. They are in complete violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 USC 1681. Congress also makes it clear that the banking system is dependent upon my consumer report being fair and accurate to me. Pursuant to 15 USC 1681 ( a ) ( 1 ). Which is not because they are reporting things that is not accurate to me at all. In fact, in 15 USC 1681 ( a ) ( 3 ) they were not given this role. They assumed this vital role and because of their assumption they have negatively affected my life and those around me causing me severe hardship, XXXX XXXX, and XXXX because of you assuming this role. Pursuant to 15 USC 1681 ( a ) ( 4 ) they are unfair in reporting this erroneous information without first consulting with me the actual consumer!!!!

This documentation was sent this credit reporting agency on XX/XX/2022 with a delivery date via certified mail & received on XX/XX/2022. 
certified mail tracking # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: TD BANK US HOLDING COMPANY
State: KY
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:
Unauthorized credit inquiry on my XXXX  credit report.

I was a victim of identity theft.

XXXX data hack. My information was compromised. Some was using my identity..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX XXXX three withdrawals were made from my USAA checking account using an ATM card. Others were attempted, but refused as my daily limit had been reached. USAA reached out to me by text, automated phone call, and internal messaging inquiring about these withdrawals. In all cases I stated the withdrawals were fraud. I had not visited the state where the withdrawals occurred, and had my debit card in my possession. No one is authorized to use my card officially or otherwise, and I only use the card for foreign transactions. I have never provided anyone outside USAA my PIN. 

Since my declaration that these transactions were fraudulent, I have tried on numerous occasions using the USAA App or phone to officially dispute the charges, to trigger an investigation and ultimately funds restored to my account. The App could not process the disputed withdrawals. When I talked to banking personnel beginning XXXX XXXX, and approximately five subsequent phone calls, they said they could not dispute the transactions within the USAA system either. They then transfered me to the USAA Fraud section. I reached the Fraud section once ( XXXX or XXXX XXXX ), and they noted that no fraud case had been opened for my transactions. After XXXX minutes, my call dropped. The XXXX other times I called, I was referred to Fraud, but the call would drop before I was able to talk to them. At least two times my waits were for more than XXXX minutes. On XXXX XXXX, I asked that my issue be elevated. I was put in touch with an Executive Resolution Specialist. She said my transactions had never been noted as fraudulent, and no investigation had been opened. She said she marked the three withdrawals as fraudulent, and that by XXXX XXXX, my funds should be restored. I pressed, based on past experience, for some documentation or other assurance that USAA had actually acknowledged my dispute of these fraudulent transactions. She said she would call back after confirming with Fraud. After about an hour, I received a call that hung up before I could answer. I called back to the Executive Resolution section. The new specialist read me the notes, saying USAA COULD NOT RECORD MY DISPUTE. They had an IT issue, and it would take until XXXX or XXXX XXXX before they could record that I disputed these fraudulent charges. I said this was unacceptable. I requested to speak to the next level of supervision, preferably an officer of the bank. The Executive Resolution Specialist said no Managers were currently available, but one would call me back by the close of business XXXX XXXX No one called or left any trace of trying to contact me by phone, text, or internal messaging. 

Withdrawals were for {$50.00}, {$50.00} and {$500.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: Pacific Union Financial, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
My wife and I were in the process of selling our home at XXXX XXXX XXXX XXXX, PA XXXX to the new buyers and kept getting pushed back on closing for no justifiable reasons. Our initial closing date was XX/XX/2018, on XX/XX/18 after we moved out of the property preparing to close we were told closing was going to be pushed back 7 to 10 days. That time came and went without a reason and run around from the company. They refused to process paperwork sent to them or give an accurate reason on why we were delayed. Closing was then pushed back to XX/XX/18, then XX/XX/18. then XX/XX/18 and then finally today we actually had our closing which was over a month past the original closing date. The originator for the loan completely drug their feet which put us out of our house for over a month more than necessary and gave us 2 days notice that the closing would be delayed. This cause an extreme amount of stress on my family due to being cramped into my parents basement which was only supposed to be for a week initially since we were unable to purchase our new house until the closing on the old house was complete. This also caused us to lose thousands of dollars worth of our belongings and personal items because my parents garage flooded with all the rains we had which happens, but ultimately our belongings should never of had to sit in their garage for over a months time while people were lying to us and not doing their jobs.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Payoff process

Complaint:
XXXX XXXX I paid off a Chase Visa balance in full and closed the account. I told the rep to make sure the balance was paid in full and I was assured there would be no revolving interest charges. On XXXX XXXX I received another statement with another balance. I think Chase Visa needs to train their people better and/or be a little more honest. The representative seemed more interested in keeping me as a customer and offered to lower the interest rate on the card. I insisted they close the account completely but still was pushed by the representative not to cancel my account. I had to be persistant against the preditory representative at Chase Visa.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: EOS Holdings, Inc.
State: VA
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:
Greetings, I have recently XXXX  from XXXX outside of the United States. Unfortunately, somebody has most likely used all my information and got into debt because during the dates which the debt has occurred, I was in XXXX  in XXXX and I can prove that I have been an active XXXX  in XXXX for the past 6 years and was not in the United States to get in debt. This may be a mistake or an identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: JPMORGAN CHASE & CO.
State: CT
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 year old Private client of XXXX for over 26 years. I previously put five of my personally own companies accounts through CB in XXXX, CT XXXX. For 26 years I have had a Chase slate Credit Card. I have never been late one day on payments for 26 years. In XXXX of XXXX, per Chase suggestion, I switched to paperless billing. Up until XX/XX/XXXX I was paying off the Chase card monthly, a very small ballance. In XXXX I was notified that the account was slightly past due. I called Chase cards to pay the bill immediately. It was suggested that I pay from a checking account so I gave Chase a checking account number and a bank routing number to pay the credit card bills. On XX/XX/XXXX I got a notification that my credit rating had dropped from XXXX to XXXX. When I inquired, I found that JPMCB har reported me 60 past due on my Credit card and closed the 26 year old account for {$51.00}. I called Chase Automatic Credit Card number and the system asked me if I wanted to pay from my Checking Account on file ending in XXXX I said " yes '' and paid the bill. I assumed that Chase would pay the credit card from this account whenever it was due. They didn't, they tried to get intouch with me on a four year old disconnected phone number, even though I have a checking account with them with over {$22000.00} in the account. They have ruined my perfect credit rating over 45 years over a misunderstanding and a miscommunication. This is neither FAIR or JUST. It implies I was either unable or unwilling to pay the Credit Card payment when a 26 year history indicates otherwise. They had an account number from my checking account to pay the card. Whatever happened I NEVER RECEIVED a communication from Chase about the card. I want the incorrect implication in my credit files removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: EQUIFAX, INC.
State: MD
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:
XXXX XXXX XXXX claim that I owe a mortgage amount of {$120000.00} within my credit report. XXXX XXXX is in violation of Fair Credit Reporting Act and Fair Debt Collection Practices Act. I have disputed the account several times with all major bureaus because it is reporting as OPEN. This account has been CLOSED and CHARGED OFF since XX/XX/XXXX which XXXX XXXX reported back in XX/XX/XXXX within my Equifax credit report. However, they changed from the correct reporting as years have passed. I printed and kept my XX/XX/XXXX Equifax correct documents when XXXX  XXXX reported it CLOSED/CO. XXXX XXXX started to INCORRECTLY report the debt as open again starting in XX/XX/XXXX. PLEASE make them report fair and correct within my credit reports. They are adversely affecting my life and I can not get permanent employment due to them incorrectly reporting a charge off as open. XXXX XXXX is engaging in unfair and outrageous methods to collect a Closed and Charged debt and other illegal financial manipulations which are apparent to be intentional.

Company response to consumer: Closed with explanation