BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020, I attempted to transfer XXXX XXXX dollars ( {$1000.00} ) from Chase bank through XXXX, the money was never received into the account in which it was supposed to be deposited into, my joint account with XXXX  XXXX XXXX. I have used this service many times with smaller amounts and the transfer has always been successful. I have contacted every institution that has connection with this issue ( Chase, XXXX, XXXX XXXX XXXX and XXXX XXXX  ). My visit to XXXX  XXXX XXXX, information disclosed that the money was sent to XXXX XXXX. We have never had an account with XXXX XXXX, so we tried to reach out to XXXX XXXX  and I was redirected to the XXXX for service. I spoke with XXXX who said there is nothing she can do without an account. I explained to her the situation and she refused to help. I asked if I could speak to manager, she stated that the manager would tell me the same thing and refuse to allow me to speak to manger and this took place on XX/XX/XXXX early morning. I contacted Chase and claim was filed three time and they denied each time. Chase disclosed that XXXX XXXX  was involved but could not and would not give me any information regarding the money being sent to XXXX XXXX. I asked if they could investigate the account that it was sent to and they refused to help. I spoke with one XXXX who is the claims supervisor who was very rude stating its not their problems and basically do what I need to do without there assistance. I cant believe they would have someone representing Chase bank in that matter. All of the claim agents from Chase Bank was insensitive to the {$1000.00} dollars in limbo through this murky banking triangle. I have been speaking to Chase daily since XX/XX/XXXX regarding this matter and no one as of today has been able to help me. I would like to officially file a charge with the employees of this department and do whats necessary so that no one else will ever be subjected to this rude and insensitive behavior and lose money this way. PLEASE HELP ME RESOLVE THIS MATTER DUE TO THE LACK OF FUND TO SUPPORT MY MEANS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My credit report does not reflect the true nature of my credit file. My identity was stolen and fraudulent accounts has been opened in my name, while I was XXXX. Here are the unknown accounts and I would like them blocked from my credit file. Account # 1 ( XXXX XXXX {$6000.00}, Account # 2 ( XXXX XXXX XXXX {$530.00}, Account # 3 ( XXXX XXXX {$290.00}, Account # 4 ( XXXX XXXX ) {$250.00}. I would like to be provided with the orginal signed agreements / contracts supporting these claims. But they are not mines, please remove.

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 2018-04-26
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: Credit inquiries on your report that you don't recognize

Complaint:
several hard credit checks within a short period of time without my authorization. XXXX XXXX and car financing institutions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: CCS Financial Services, Inc.
State: AL
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:
Credit Collection Service is reporting an account from XXXX XXXX that is not mine. This is the same account that they were recently reporting on my dad 's credit report with the same account number, same balance, same open date, same last active date, etc. All information is the same. This account is not mine. The company can not move an account from one person to another person. Note, my dad and I have the same name. However, the suffix at the end of our name is different and all other identifying information such as SSN and date of birth are different. This company needs to get their records straight or be sued!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: Home Point Financial Corporation
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Home point financial purchased my mortgage in the middle of XX/XX/XXXX, they then charged me for insurance at a rate triple of what my current insurance was I was not contacted and did not find out until I was looking at my online statement in early XX/XX/XXXX.

They had opened up an escrow account without my knowledge or permission, I asked them to provide documentation of when I gave permission for them to open escrow and they can not provide it.

After charging me for insurance when I had already had insurance, I called and emailed proof of insurance on XX/XX/XXXX.

Several weeks later they still had not corrected and refunded my account. I sent additional information and after over a month they credited my account for the insurance.

However, They have increased my mortgage payment by {$100.00} a month and have not closed the escrow account. I have emailed over 10 times. In addition, they charged late fees when I refused to pay the increased mortgage payment.

I BELIVE THEY ARE BUYING Mortgages WITH THE INTENTION OF MAKING MONEY BY CHARGING FOR LENDER PLACED INSURACE. With little research I was able to see the lending company is affiliated with the insurance company writing the lender played policies. I can not think of any other reason they would have purchased my loan as it has a very low APR and is only a few years from being payed? They would have made more money underwriting a new loan at current rates? Also when they purchased my loan they must have inquired if the property was currently insured? PLEASE LOOK INTO THIS!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
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: Their investigation did not fix an error on your report

Complaint:
Credit Bureau Equifax. 
XXXX hard inquiries affecting my credit report are : XXXX XXXX-XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX-XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX-XX/XX/XXXX Did n't want to remove my inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-26
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
As POA for my father ( who suffers from XXXX XXXX XXXX ), I am attempting to pay and close his overdue account at Citi. 
I've been given multiple fax numbers and mailing addresses, and after sending my POA docs a total of SIX different times, I am still not listed on the account, nobody will speak to me, and I can not get a final invoice to pay. 
Citi is making it impossible to pay a bill.

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 monetary relief
Consumer complaint received 2019-03-22
Company: Experian Information Solutions 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 have submitted multiple requests to remove inaccurate account information, unauthorized inquires and incomplete personal data from my credit reports to All 3 bureaus. They have not removed them and have not responded within the 30day time frame of the law.

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 2020-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I recently incorporated and started a XXXX, XXXX XXXX. I transferred {$2000.00} from my personal checking to the XXXX  acount. The money was debited, then it disappeared. It was never moved to the XXXX  account. I have spoken with bank of america, and they say the money is gone, and they don't know where it is. I was also told that if I don't put money into the business account, I will be fined. No one can tell me what happened. The person I spoke with said don't worry, {$2000.00} isn't that much.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: Ocwen Financial Corporation
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I XXXX XXXX XXXX had a Mortgage with Ocwen Loan Serving, LLC the last payment received from XXXX XXXX was on XX/XX/17 this payment didnt include a debt withdrawal of XXXX onXX/XX/2017 .. this payment was never made to Ocwen or has it been returned .. Ocwen failed to provide pay- off information to equity accelerator or stop these payments.. I myself had to stop payment with my financial institution too stop these unauthorized payments.. after loan should have been paid in full.. we were required to pay ahead a month before the first month of starting this program..so in XXXX XXXX we meet those requirements.. not XXXX or XXXX ..My wife XXXX XXXX was authorized to talk on my be-half on these time frame with both of these companies.. I already authorized her to do so ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: CAVALRY INVESTMENTS, LLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I asked for the company to validate the debt and proper validation was not given. Instead in XX/XX/2017 some kind of statement was sent and not an actual contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Experian Information Solutions Inc.
State: OH
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:
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXXwas required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. 

failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account 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 2020-11-04
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
RE : Santander Bank XXXX XXXX XXXX XXXX N.Y. XXXX Checking Acct. Number ... ... XXXX My name is XXXX XXXX .... I have been banking with Santander Bank for about 20 years ; actually, I have this account number over 30 years with other banks that preceded Santander Bank.

About five ( 5 ) years ago there was an incident that the bank wanted to investigate a deposit of {$5000.00} Dollars ( amount is not exact ). The amount that held back showed up in my statements as unavailable. Each time I inquired about it I was told dont worry you have plenty of money ( looking at some past balances, on XXXX my balance was {$660000.00} ) we will let you know. 
Last week I questioned my bank for the overdraft fees, I also questioned {$30.00} monthly fee that i was never charged before, I was told that the bank wants me to close my account, although I never had any problems with, insufficient funds or bouncing checks, the bank refused to extend my account until I open a different account in another bank. 
The bank refuses to give me my full balance.

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 2019-04-16
Company: LJ Ross Associates
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
LJ Ross will not remove from my credit. I spoke to both LJ Ross and XXXX XXXX XXXX XXXX. They both tell me that neither one of their company 's can remove this debt that has been paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: Experian Information Solutions Inc.
State: WA
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:
A repeated issue with Experian. They have been showing an account as 'failure to pay ' status, damaging my credit score, where in reality the account has been paid in full and closed for years. They are completely inept, and have repeatedly lied to me about contacting the original debtor, claiming that the original owner of the debt verified their information. Not only do I know the information to be false as a simple matter of fact ( and, by the way, the other two major credit bureaus have the correct information ), I called the original debt owner myself and validated that their records are accurate. So it is XXXX  % solely an Experian problem and they are outright lying to me claiming it isn't. They have falsely claimed to have 'addressed ' my problem nearly a dozen times over the past 4-5 months and have made very little progress toward fixing it. The last complaint I filed resulted in them changing the status from 'collections ' to 'failure to pay ' which I suppose is progress ( maybe? ) but is still completely inaccurate. Again, this is an account which was PAID IN FULL and CLOSED YEARS AGO. So, Experian ( you paying attention? ) ANY STATUS WHICH SHOWS A BALANCE OWED IS INCORRECT.

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 2018-10-17
Company: Atlantic Credit & Finance, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/18, Atlantic Credit and Finance called me today trying collect a debt. I told her to remove this number ( my work number ) from their list and provided my correct cell phone number. She proceeded to say that the last time they called me at this number ending in XXXX ( my work number ) you told us the same thing. I cut her off by saying yet you called me again and you know that's wrong. I disconnected the call.

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 2019-04-16
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: Public record information inaccurate

Complaint:
I checked my credit report cause I am a vitim of faurd and see that even though I know for a fact that this information is correct and isn't correct. The credit beaure stated that they verified the information with XXXX I was told via telephone that they get their information from a third party by the name of a XXXX. I am well informed that the information has to come from original person such as the bankruptcy court. I went to the court and they assured me that even if I had filed bankruptcy or proceedings that they do not share or communicate with third parties or this business called XXXX I was informed by XXXX, Transunion, XXXX that it was a, informed that this information is verified, or has been provided by a third party information collector. with these findings I Also contacted the Bankruptcy Court of record again and was informed by the court clerks office that there was NO known attempt to verify or confirm the erroneous information or correct the error. The clerks office strongly suggested that I contact your offices with this problem. These are not Corrcet

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 2019-04-16
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Around the end of XX/XX/XXXX I received a letter from a 3rd party collection agency, Rausch Sturm stating  I had 30 days to dispute the charged off debt. 
On the XX/XX/XXXX I sent a Debt Validation letter to them per FDCPA section 15 USC 1692g Sec 809 ( b ) ( see attached ) Two months later and not 30 days as required by FDCPA I received a letter where they cited a case XXXX v XXXX from XX/XX/XXXX where all they had to produce was the last four of my SS #, the amount that was charged off and the current creditor, again which was incorrect because XXXX XXXX had already charged off this allegded debt in XX/XX/XXXX. I Should also state XXXX XXXX was not the orginal creditor and I have asked them several times to provide that to me. In researching the case they referenced I found that in XXXX v XXXX, XXXX, XXXX XXXX XXXX, XXXX in XX/XX/XXXX the court had established new guidelines for debt validation which included an itemized accounting. They also referred to the case from the letter sent to me where the court was quick to point out in that case and in another case the debt collector went beyone the standard verification and sent an itemized accounting from the date the account was opened with every transaction. I sent another letter to this 3rd party collection agency stating the case law they had reference they did not fully disclose the true findings of the court. I also informed them that they bought this charged off debt for pennies on the dollar and any monies paid to them would be a direct profit and would not clear the charged off debt. They then sent me a letter stating they were collecting this debt now under Texas Finance Code 392.202. I informed them that the orginal letter they sent in which I replied to was under FDCPA regulations and now they are changing it over to state which is way outside of the 30 day requirement. They produced nothing with my name on it or how the debt was incurred and as I stated they were way past the 30 day requirement in sending me this information as they stated in their orginal letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had some late fees and interest on the card and I called XXXX XXXX, the issuer of the XXXX XXXX  XXXX store card. They have agreed to remove the late fee and told me I was only obligated to pay the interest of {$12.00} which I did right away. The call took place on XX/XX/XXXX and the credit card billing cycle ended on XX/XX/XXXX. Instead of removing the late fees right on that date, XXXX waited till XX/XX/XXXX to remove the fees which resulted in accruing another late fee of {$26.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
i purchased my home in XXXX of XXXX, at the time the lender and servicer was XXXX Mortgage. several months later i received notice that wells Fargo would be taking over as the servicer of the loan. i am very concerned as my monthly mortgage payment has gone up twice claiming that we did not pay enough in Escrow and another claiming we have not paid enough in taxes. i am concerned that they are making up charges and taking my money. i have no recourse as i have to pay for the roof over my head. i also read today that wells Fargo was not supposed to take on any more assets after 2018 and it worries me that they are now the owners of my mortgage. since i purchased the house my mortgage payment has almost doubled and no one on the banks end can give me any real explanation as too why other than to tell me that i have to pay it

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