BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-28
Company: JPMORGAN CHASE & CO.
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a mortgage with JP Morgan Chase Bank. On XX/XX/2020 the mortgage was sold to XXXX XXXX. I feel that my mortgage should not have been sold during the Covid19 quarantine. I had no way to refinance with another company as I do not want my mortgage with an inferior company that charges fees to pay your mortgage online or by phone, which is what I have done for years with Chase. I was also in the middle of refinancing with chase for a lower interest rate. I am filing a complaint against Chase for the following reasons. 

*Selling my mortgage during a pandemic where I am left no choice but to comply due to the fact that I can not walk into a bank and apply for a refinance. So, now I am stuck with a company that has a XXXX star rating. 

*Transferring the mortgage to a company that clearly has a bad reputation with regards to fraud and poor customer service ( see XXXX   XXXX XXXX groups, and class-action lawsuits ) Transferring the mortgage company that charges fees for electronic transactions, phone pay.. ( I even called them and they would not wave the fees ) Selling my mortgage while I was trying to refinance at a lower interest rate with them. ( I had already started the application process ) If the original agreement in the loan says that they can sell the mortgage at any time, It should be to a reputable company with good service. I feel that I am a victim of another company that takes advantage of people, especially during these hard times with the current pandemic. It should not have been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: Freedom Mortgage Company
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My loan had been sold to Freedom Mortgage in XXXX. Since XX/XX/2020, I have been receiving harassing calls to refinance several times a day, 6 days a week. I have requested they stop calling me, placed my number on the go kit call list, and outright stopped answering their calls. They continue to call and its annoying and harassing at this point.

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 2019-11-09
Company: EQUIFAX, 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:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OF OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
according to sunoco rewards card there saying on my account that im just making mimium payments WHICH im not and that my account is XXXX plus change I honestly believe believe this is wrong Ive been paying XXXX amonth never later or miss this was there reply Our record reflects that your account has revolving balance of {$1000.00}. which requires minimum payments each month as noted on your statement. Furthermore, Interest charges begin the day a charge is this was mine reply First of all I make more then just minimum payments and second my account showing more then XXXX it showing close to XXXX so your telling me i have XXXX in INTEREST no way I dont have any promations Ive never been LATE OR MISS ANY PAYMENTS I WANT THIS STRAIGHTEN OUT

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 2019-03-14
Company: ORG GC GP Buyer, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
This GC Services calls late after XXXX and I'm XXXX and on medication, and they wake me and this is disturbing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I contact Wells Fargo Mortgage Modification department on XX/XX/2019 to request assistance due to hardship experienced by my family ( separation ; loss of employment ; medical health scare ; loss of my newborn grandson ). I was instructed to submit documentation through the portal. During the process I was informed I needed to include my estranged husband on the loan modification ( due to our existing status, he is currently not available to me ). I was then informed that we could eliminate the need for him to submit documents by providing a Quit Claim Deed. I finally had someone contact him and got the Quit Claim Deed signed and recorded. I noticed online that they were still requesting a Separation Agreement. During this process I continued to send emails to XXXX XXXX to advise of each step that I had taken to get the documents to her. I also requested that she acknowledge receipt of my communications and documents. I contacted Wells Fargo via telephone and was informed that I would require either the Quit Claim Deed OR the Separation Agreement. I was specifically informed that I did not need both via telephone conversation on XXXX when I called to report I had attached Deed. Today I called Wells Fargo and was informed that my case was being closed ( although the deadline to submit this Divorce Decree requested by Wells Fargo is XX/XX/2019 ). Wells Fargo did not provide a good faith effort to do a Loan Modification. I can pay the mortgage, I just need assistance with the arrears. 
Initial Contact ( Ms. XXXX " XXXX '' ) XX/XX/19 ; Documents uploaded onto portal XX/XX/XXXX ; Email from XXXX XX/XX/XXXX requesting additional documents ; Email to XXXX   attaching W2 and advising re Divorce Decree request ( no response back from XXXX   ) ; Email to XXXX XX/XX/XXXX advising husband willing to sign Deed and requesting an acknowledgement from XXXX of my communication ( no response ) ; Email XXXX attaching executed Deed and requesting acknowledgement of document and whether other documents are required ( no response ) ; email XX/XX/XXXX forwarding time-stamped copy.

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 2018-02-03
Company: ACS Education Services
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I had a student loan through ACS and it was recently ( XX/XX/XXXX ) sold to another company. I have not received my interest paid in 2017 for tax purposes from ACS and I cant get through via telephone to someone to speak to. When I put in my account number the system tells me ACS no longer services my loan and then it gives me no options of speaking to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
LOAN # XXXX BORROWER : XXXX XXXX PROPERTY ADDRESS : XXXX XXXX XXXX XXXX XXXX, WA # XXXX XXXX ** We are trying to negotiate a short sale on the above referenced property I was advised the investor is countering the offer that is currently price at $ XXXXto increase to {$160000.00}. I am disputing this and feel the dispute is warranted because the XXXX that SPS currently has on file values the property at {$140000.00}. Which is in line with our current offer is and should be approved since the offer on the short sale is fair market value. The investors expecting to receive above fair market value according to their counter is unethical and no up to distressed homeowner protection laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I've sent dispute to the credit agencies and the lender which I do not recognize.

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 2018-07-13
Company: Receivables Management Partners, LLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have several collection accounts with this agency and it should be from XX/XX/XXXX. However it was reaged to XX/XX/XXXX ... When the creditor took it over. This account has been illegally reaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: Experian Information Solutions 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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 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 XXXX XXXX XXXX XXXX, XXXX SOC SEC  # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2020-08-29
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint:
What is this complaint about? 
In compliance with the Fair Credit Information Act ( FCRA ), I submit a complaint to the collection entity ARS ACCOUNT RESOLUTION, who has a medical account in the collection value of {$1700.00}. 
What kind of problem do you have? 
They sent me a debt collector for medical concept knowing I have XXXX XXXX process demands the whole issue of health and medical expenses due to an accident involving labor suffered in the month of XX/XX/2017 ( received an electric shock ) and even me they keep seeing medical specialists. The entire issue is defendant in XXXX XXXX XXXX XXXX under case XXXX. Therefore, this entity continues to send me bills and affect my credit score, which did not allow me for XX/XX/XXXX to obtain a credit that the state granted for help for this pandemic, What happened? 
I communicate again with ARS to the number of phone XXXX, because it was reported and because I received a letter ( copy attached ), talk to a person named XXXX who answered my call espa ol and who will reiterate what and he told them in other lla m ADAS about my case in court and told me to c omo had a court case could not speak more with me, I asked then explain to me because then continued with the collection, calls and why to send me to collection and he told me that he could not answer anything else. 
What company is this complaint about? 
ARS Account Resolution Service a division of HRRG, LLC XXXX XXXX  XXXXXXXX XXXX XXXX  FL XXXX Or to XXXX XXXX XXXXXXXX XXXX XXXX OH XXXX More information about it : Send a letter ( copy attached ) to appeal the situation because they have not paid attention, they do not give me an answer and now they evade me saying that they can not talk to me. 
In addition, requesting the c that and desist as a collections agency and demand that they remove me from the collection. 
Creditor : XXXX XXXX  XXXX Reference # XXXX Account XXXX SERV Date XX/XX/17

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 2017-08-03
Company: VW Credit
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I moved to Oregon and needed to register my car in that state. Oregon requires you to process registration through the lean holder ( VW Credit ). You send paperwork and payment to the lean holder, and they forward it to DMV with Title information. I mailed paperwork to VW Credit on X/XX/2017 They have record of receiving it on X/XX/2017 I was charged a {$45.00} title fee on my XX/XX/XXXX invoice. I waited the allotted 6 weeks for my registration to arrive in the mail - but nothing came. I tracked the problem down to VW Credit - they never processed the paperwork. I have been following up with them continually - trying to move the process along. I asked to have the {$45.00} fee waived - and they refuse.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-03
Company: EQUIFAX, INC.
State: WA
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 have sent numerous letters with no response requesting investigations and verifications of information on my credit report. This bureau has ignored my requests on the following occasions : Letters sent dated : XX/XX/2020, XX/XX/2020, XX/XX/2020, including a complaint warning letter dated XX/XX/2020. 

I have been more than generous with allowing the bureau more time than allowed by law to investigate and update my credit reports, but these incorrect accounts listed below have been negatively affecting my credit and I have had no luck in them doing what is right to fix this. The items listed below have been disputed with no response for over 6 months. This is ridiculous. 

1. Validate Account Chapter XXXX Bankruptcy Case Number : XXXX Please supply information on how you have verified this item. 

2. This Account was not 30 days late. 
XX/XX/XXXXXX/XX/XXXXAccount Number : XXXX Please supply information on how you have verified this item. 

3. This Account was not 30 days late. 
XXXX Account Number : XXXX Please supply information on how you have verified this item. 

4. This account was never 30 days late. 
XXXX Account Number : XXXX Please supply information on how you have verified this item. 

5. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

6. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item.

7. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
This matter is regarding a fraud we had on our account. A total purchases of {$4500.00} for XXXX. XXXX confirms it is a fraud. During COVID-19,  we noticed immediately that our account had non stop purchases, we tried calling Chase over and over again and were waiting on the line for more than 2 hours every time while trying to call simultaneously to XXXX to check those charges. XXXX was closed and we could not get a hold on anyone and to get a hold on the bank was impossible, after 10 straight days of trying, we got a hold on XXXX that confirmed it was indeed a fraud and got a hold on chase too to report a claim, XXXX our debit card and issue a refund. Chase gave us a refund in the beginning but than after 30 days they charged us again claiming : lack of care! We can submit all paper work you need, we will also file a police report too. It seems like Chase does not intend to cover this matter, and its their obligation to do so, thats the basis on banking that no one card use our account wrongfully and we will be the ones to pay for something that was under their responsibility. They should protect our money, otherwise why would I have my money in a bank account if everyone case use it and its not protected. Please help us. 
The amount and the date of the transactions as they occurred : XXXX 6 Transaction XXXX 4 Transaction XX/XX/2020 - 2 Transaction XXXX 11 Transaction XXXX 4 Transaction XXXX 9 Transaction XXXX 10 Transaction XXXX 20 Transaction It seems like Chase had a glitch or something had occurred that revealed our account information. How could they allow for something like that to happen without blocking the account immediately? The amount of transactions is beyond normal. And after all of that, no customer care, that needs to protect our money and keep it save. This is a disaster.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-02
Company: Ocwen Financial Corporation
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:
From Januart of XX/XX/XXXXuntil XX/XX/XXXX XXXX XXXX XXXX XXXX reported my account as late when I was trying to catch up on payments. 

I attempted on many occasions to complete there mortgage adjustment process and apply for government assistance process and was consistently met with artificial obsticles and unhelpful support staff at Ocwen. They were never able to successfully qualify my account for assistance because of all of the red tape and obstacles created by their process. Additionally, in 49 states they have reached a settlement because of this abuse of customers. 

I have contacted Ocwen multiple times both in writing and by phone and inly get an automated response. I believe given their universally observed negligient behavior these late payment marks should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have account with coinbase, my account was close for few days I couldn't access my account I contacted coinbase to try to fixe the probleme for 5 days without results after that they send me a message that my account was hacked and I lost all my crypto it was more than XXXX dollars in crypto.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: PNC Bank N.A.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
Tried numerous attempts but PNC bank will not let XXXX connect to my account to give the payday loan on XX/XX/20 at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: SUNTRUST BANKS, INC.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
We are selling a property and have been under contract for over two months with buyers who were using XXXX XXXX at SunTrust Mortgage in XXXX, NC. The buyer has been in jeopardy of breaching the contract twice, due to the total incompetence on the part of this loan officer and the processing department at this bank. The buyer is now homeless and we are broke because we were told weeks ago that we would be closing and we haven't. We have had to make mortgage payments in addition to hotel costs and storage fees because we were falsely informed that we could close. We were given the clear to close yesterday and told we would be closing this morning and now the loan officer and all parties involved in the transaction have stopped responding to the buyers agent and we have had to rush to contact a different lender. This loan officer, as well as everyone else in the mortgage department, needs to be held accountable and both sides feel as though we have no recourse in this matter.

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 2020-12-03
Company: DISCOVER BANK
State: MA
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:
This account is reported so inaccurately! One bureau is reporting all good payments yet the other is all charged off. I am asking for your help to investigate and remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
American Express would call me all the time and mail me all the time. I have disputed the debt amount but they persisted The man was always the same but with a thick unintelligible XXXX accent. 
Then I decided to hear him out. 
He proposed a settlement. I decided to take it. 
I sent the check. They cashed the check but then put it in XXXX that I owe the entire amount. I have repeatedly disputed this debt but got tired of the man calling me so I accepted the settlement

Company response to consumer: Closed with explanation