BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-06
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage has been with Chase for 15 years. Ive been paying my own real estate taxes for approximately 8 years. I do not escrow my real estate taxes. I do escrow for home owners insurance, about {$98.00} per month. 
I have never missed or been late with a mortgage payment or a real estate tax payment. I pay my mortgage through direct withdrawal from my checking account. My credit history is stellar. 
I received an email from Chase on XX/XX/XXXX stating that Chase had performed an escrow review and that my monthly payment would be increasing from {$1600.00} to {$2700.00} per month on XX/XX/XXXX. I logged into my account and found Chase had paid my real estate taxes, without notifying me, for two quarters in advance and was charging me for that paymentplus estimating my taxes for the rest of the year. I called Chase and spoke to a rep who said Chase received a notice from the XXXX of XXXX that said I was delinquent. When I asked for a copy of the notice, she said it was public record. I uploaded three years of proof of tax payments, cancelled checks, to the Chase website. I again asked for a copy of anything Chase used to decide I was delinquent on my taxes. 
I went to the XXXX XXXX Treasurer 's office on Monday, XX/XX/XXXX. The clerk told me that this issue was happening to a lot of residents. She gave me a copy of my payments showing that my account is overpaid. I uploaded that to the Chase site also and again asked for their process of declaring me delinquent on my real estate taxes. Ive been told that my request is being escalated. 
I think that this is a money grab by Chase hoping that I wouldnt notice until the payment came out of my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Paypal credit is confusing consumers with debits and credits due to the linkage between A- PAY PAL ACCOUNT and B-PAY PAL CREDIT ACCOUNT. I have attached a copy of a {$15.00} payment to my credit account ; however, shows as a debit on the ledger. There response is " wait till you get your statement, it will be more clear, '' the transparency is lacking and laws are being overlooked or broken due to oversight in regulation in payment and credit account technology ( PAYPAL ). 

Blatant violations of the CARD ACT of XXXX in consumer 's access to viable, accurate online ledgers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After trying in vain by telephone and on-line to prevail upon Experian to implement a security freeze, on XXXX XXXX XXXX my wife and I sent separate letters ( certified mail ) to Experian requesting the freeze. Each letter contained all of the information and documentation Experian 's web site says is required. I received a response dated XXXX XXXX XXXX XXXX Experian Report XXXX. XXXX ), refusing my request because I had n't paid a fee, notwithstanding that our letters and documentation clearly showed that both my wife and I are in our XXXX and exempt from the fees. Experian failed to respond to my wife 's letter. On XXXX XXXX XXXX, my wife and I sent a letter ( certified mail ) to Experian, reiterating our requests and referring them to the information contained in our earlier letters. On XXXX XXXX XXXX, Experian responded to my wife and me individually ( Exp. XXXX XXXX. XXXX and XXXX, respectively ) saying that they were unable to honor our requests because we failed to provide sufficient information for them to verify our identity. I should note that we had no trouble getting XXXX and XXXX to implement the requested freezes. I am astounded at the incompetence demonstrated by Experian and hope CFPB can help us.

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 2022-03-06
Company: Financial Recovery Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear XXXX XXXX XXXX, and Financial Recovery Services , INC . 

I received your letter at my address dated on XX/XX/2022.

However,

I have two simple questions, you have my account, which means you have my social security number. How did you get my social security number/information? And are you licensed in the state of Florida as a Debt collector? Keep in mind this debt is alleged. Best regards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 I sent a debt validation letter to fox collections center requesting them to verify that the debt they have to reported on my credit is mine in the amount of {$6600.00} and they did not verify that the debt was mine. I sent another letter on XX/XX/2021, today is XX/XX/2021 and I did not receive a response at all from their company within 30 days. Both letters were sent certified the 1st one was received by their company on XX/XX/2021 and the second one was received on XX/XX/2021 by their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: Experian Information Solutions Inc.
State: NC
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 disputed via mail certain accounts and inquires that appeared to be erroneous reported on my credit report. I am a victim of identity theft and I am in desperate need of these items being reviewed and blocked.

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 2021-04-16
Company: CNC MORTGAGE, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
CNC Mortgage LLC ( NMLS ID : XXXX ) pulled my credit as a hard inquiry without my consent. I never completed an application with them. I started an application on XX/XX/2021 and filled in some of the information before deciding to not continue with the application. I received an email on the XX/XX/XXXX asking me to finish my application, which I did not do. I received an email again on the XX/XX/XXXX asking me to finish my application, which I did not do. I never fully completed the application, nor did I ever click the button on their site that provides authorization for them to access my credit report. On the XX/XX/XXXX I received notification of a hard inquiry for my XXXX credit report and an email of pre-approval. All communication was sent by XXXX XXXX ( NMLS ID : XXXX ) from XXXX. I never submitted pay stubs, or bank financial information, no proof of income. I now also received a hard inquiry from XXXX on the XX/XX/XXXX. The actions of this company were predatory and extremely unprofessional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: Debt Recovery Solutions, LLC
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:
I received an alert from a credit monitoring service that an account labeled " XXXX XXXX XXXXXXXX '' with a balance of {$660.00} was opened on XX/XX/22 and reported on XX/XX/22. I have no knowledge of this account and it is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
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 is missing that should be on the report

Complaint:
Greetings, I have reached out to Equifax and have asked them could they report missing credit cards to my report and have not gotten a response. By adding these credit card accounts would greatly help my credit score that will enable me to purchase my first house. I really do appreciate the hard work that comes from the employees at Equifax and from the CFPB. I really look forward to getting this small but impactful issue resolved. Thank you very much for your love and consideration. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have another charge on my chase account for XXXX, I have notified chase for over 1 week of fraud activity, they have not stopped any of the charges while they are pending authorizations and then they allow them to be paid, chase is not refunding the charges and I have provided them with details on who is doing the fraud, yet they still havent done anything. I want my refunds today and them to do their job and stop this person from using my card. 

XXXX XXXX XXXX XXXX XXXX. debit {XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This letter shall serve as file a Complaint with the FTC, due to your blatant and objectionable disregard of the law. Since XXXX of 2015 I have been going sending certified mail letters to you guys regrading XXXX XXXX XXXX. I have kept a heathy record of all of my tracking numbers. You guys have verified all my Disputes. I am in disbelief that you guys can verify an account that is not mines. You guys have violated my right and filing this complaint with the FTC was my only options. I have been denied credit cards, Mortgages, and etc. Due to your guys lack of knowledge on the law made my life a living XXXX. You guys have ignored a number of written request to investigate my claim. Furthermore, I did my own investigation and found that XXXX XXXX XXXX have questionable bill Practice and is running a scheme not a business. PLEASE UPDATE MY FILES AND REMOVE XXXX XXXX XXXX OFF MY CREDIT FILES!

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 2017-11-08
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Over the last five years, I have received a lot of misinformation from Navient regarding my loan repayment. Initially, when I would request information about income sensitive repayment or forgiveness they would instead suggest deferment and forbearance. Which added years to my loan and thousands of dollars. Once finally entered into these programs I have been given consistently changing information about my status, sometimes I am told, like when I called in XXXX, that I needed to refinance completely, sometimes I am told I am part of the program, other times the dates of forgiveness are different. I have been told both 20 and 25 years, then after being in the program for 15 months that I do not qualify at all and will need to refinance. 

Much of their staff is from the XXXX and have no experience with American student loans, other times like this past XXXX the person is an American and still give totally inaccurate information. In the end, my student loans are already over twenty years old, the income sensitive and 25 year and 20 year forgiveness programs have existed since XXXX yet time and again staff has discouraged my entrance, telling me my loans where not qualified and once entered in XXXX that I was no longer a participant or was never part of loan forgiveness. This misinformation has kept me from a forgiveness program that I was qualified for all while adding thousands to my repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried to contact debt collector to receive proper debt validation several times to no avail. i have also sent several letters by certified mail to receive proper and accurate validation from original creditor. never received proper validation by timeframe allowed legally

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: RoundPoint Mortgage Servicing LLC
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
RoundPoint Mortgage has shared my location information to a third party without my consent. Additionally, RoundPoint has received multiple cease and desist from the consumer and debt validation request with no response. The third party is now attempting to collect the alleged debt and threatening the consumer with foreclosure.

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 2017-11-08
Company: Equitable Acceptance Corp
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XXXX XXXX, I signed up for student loan forgiveness with XXXX XXXX. I did not realise that Equitable Acceptance Corporation was not affiliated with XXXX. XXXX took all of my information, claiming to be a third party dealer to help consolidate my loans and accept small monthly payments down the road to help pay off my loans. This is a scam. According to my research, they take these monthly payments and do not apply them to your student debt. They withdrew an unauthorized transaction yesterday and on XXXX XXXX from my bank account. I receive emails stating this payment and a link to access a login. I have no username or password for this. I have been trying to get a hold of them to cancel my account with them. How convenient for them that my call on hold went to their voicemail. Do not accept any offers from this third party vender. They are very sneaky with this scam!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: CITIBANK, N.A.
State: MA
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:
Pursuant to 15 usc 1681 ( a ) ( b ) You did not comply with any reasonable procedures to meet the needs of commerce. This report is not fair, nor equitable to me. My information was not Confidential proof of this is I have been receiving pre-qualification offers from different companies, and I have soft inquiries from companies I never agreed to do business with This information is not relevant, nor accurate and it was improperly used, and does not comply with this subchapter of the FCRA ( Fair Credit Reporting Act ) to remedy the injuries you have caused to me, and to save us both time and money in court I am demanding that you do the following : delete following accounts

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 2022-03-06
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Hi, I am making a complaint against the three Consumer Credit Reporting Companies Equifax, XXXX, XXXX XXXX XXXX for credit reporting description and for reporting my credit report low because I am a XXXX XXXX American Female and a XXXX. I have all exceptional payment history and my credit score never increased. I paid my bills in a timely manner and was limit in the amount of credit I could borrow at under {$100000.00} when {$64000.00} of the credit is deferred student loans. I went through a job and needed to obtain a loan and my credit was continuously score low for ( 3 ) years and credit limit lack or ( XXXX ) so that when I got in a financial pinch I would be able to obtain any credit. I wont my credit score increased to its place. ( In the XXXX ) If I was a XXXX XXXX based on my exceptional payment history on multiple accounts my credit score would have been much higher at least in the XXXX. This is abuse of Credit Reporting for the Free Market and I want my credit score fixed by all three reporting agencies or I may sue them for abuse and XXXX XXXX against XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/XXXX while writing out bills, I noticed that Home Depot was not applying any monies to the deferred interest accounts that we have with them. Since XX/XX/XXXX I have been making payments, assuming that the deferred accounts were being paid down. I now have over {$1500.00} that has never had one dollar applied to the account.

I called Home Depot on XX/XX/XXXX and spoke with a representative and a supervisor that told me they do n't have to do that and I would have to call them each month and tell them where to apply the monies I paid. I told them there is nothing that I could find on the bill that indicated I would have to do any such thing. I told them it was unethical and it was obvious that they offered the no-interest as a way to get more money from their customers.

I am an authorized user on the card and I then tried to re-direct the XX/XX/XXXX payment to pay part of the no-interest accounts, at that time they would not allow me to make the changes and would have to have my husband make those changes.

Unethical, lying cheats!!!

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 2021-04-16
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
After months on a forbearance due to covid 19 crisis, I applied for a loan modification to my lender in XX/XX/2020. After months of letters and requested documents back and forward with them ( I sent 68 set of documents requested ) I got a letter for them, giving me me only 2 options. Fist, sell my house immediately, second deed in lieu. 
No other option. I have more than 50 % loan to value in my house and a good credit score. I was told by their customer service that they are going to add my pending payments to the principal and I have to start making my regular payments

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 2019-08-06
Company: Experian Information Solutions Inc.
State: IL
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 have tried to contact debt collector to receive proper debt validation several times to no avail. i have also sent several letters by certified mail to receive proper and accurate validation from original creditor. never received proper validation by timeframe allowed legally

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